| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.espoir.org.ec/ |
| Year established | 2002 |
| Head of Institution | Dr. Guillero José Francisco Moreno Oleas |
| Regions active | |
| # Branches | 6 |
| Total Portfolio (nat'l) | USD 21,264,263 |
| Total Portfolio (USD) | USD 21,264,263 |
| Active clients with loans | 56,896 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito de Banca Comunal | USD 350 - 1,800 | 4 - 6 | 80% - 100% | 40% - 60% | Business | Women, Men, Hombres solo si representan el 20% del total de miembros de grupo | Credit Educ, Group Mtgs, Business Training, Other Training | |||||||
| Crédito Emergente | USD 100 - 500 | 2 - 6 | 80% - 100% | 40% - 60% | Business, Other | Women, Men, Have business | Credit Ins | |||||||
| Crédito Empresarial | USD 1,000 - 8,000 | 12 - 36 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business, Specific age group | ||||||||
| Crédito Vivamos Mejor | USD 200 - 1,000 | 2 - 12 | 80% - 100% | 40% - 60% | Housing | Women, Men, Have business, Have home or land | ||||||||
| Microcrédito Individual Minorista | USD 1,000 - 8,000 | 12 - 36 | 60% - 80% | 20% - 40% | Business, Education | Women, Men, Have business | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito de Banca Comunal | 24.3%-26.8% annual, Flat | 0 Fees | 0 Ins | None | 10.0% upfront | 24.7% - 27.6% | 30.1% - 34% | 73 | ||||||||
| Crédito Emergente | 26.9% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 26.7% - 26.9% | 26.7% - 26.9% | 100 | ||||||||
| Crédito Empresarial | 24.5% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 24.5% - 28.9% | 24.5% - 28.9% | 90 | ||||||||
| Crédito Vivamos Mejor | 26.9% annual, Flat | 0 Fees | 0 Ins | None | N/A | 26.7% - 26.8% | 26.7% - 26.8% | 100 | ||||||||
| Microcrédito Individual Minorista | 24.5%-26.9% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 26.9% - 28.9% | 26.9% - 28.9% | 88 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Banco Solidario | 79,700 | 221,716,000 | 1 | 157 |
| CEPESIU | 2,000 | 939,000 | 4 | 157 |
| COAC 4 Octubre | 2,200 | 5,771,000 | 2 | 157 |
| COAC Ambato | 1,300 | 16,415,000 | 2 | 157 |
| COAC FondVida | 2,500 | 4,200,000 | 4 | 157 |
| COAC LaBenefica | 2,500 | 8,482,000 | 6 | 157 |
| COAC MCCH | 5,300 | 10,020,000 | 2 | 157 |
| COAC Nacional | 30,700 | 27,129,000 | 2 | 157 |
| COAC San José | 10,400 | 29,133,000 | 5 | 157 |
| COAC SanAntonio | 1,000 | 2,384,000 | 3 | 157 |
| COAC SantaAnita | 2,000 | 2,532,000 | 6 | 157 |
| Codesarrollo | 14,400 | 40,328,000 | 7 | 157 |
| Coop San Miguel | 1,800 | 4,754,000 | 5 | 154 |
| CooP VPR | 700 | 1,052,000 | 4 | 157 |
| Cooprogreso | 7,900 | 32,244,000 | 4 | 157 |
| Credi Fe | 100,900 | 380,039,000 | 4 | 157 |
| D^Miro | 36,900 | 27,692,000 | 9 | 150 |
| DECOF | 2,200 | 705,000 | 2 | 157 |
| Espoir | 62,100 | 21,036,000 | 5 | 157 |
| FODEMI | 28,200 | 12,924,000 | 3 | 157 |
| Fundacion Alternativa | 4,300 | 5,545,000 | 2 | 157 |
| FUNDAMIC | 2,000 | 1,468,000 | 2 | 157 |
| INSOTEC | 7,000 | 6,047,000 | 4 | 157 |
| Luz del Valle | 6,400 | 11,300,000 | 3 | 157 |
| ProCredit | 43,800 | 211,941,000 | 2 | 157 |
| PS Ambato | 5,600 | 2,771,000 | 1 | 157 |
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| % Products with compulsory deposits |
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