Institution

INSOTEC Juan León Mera N24-12 y WilsonQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 143 months

Institution

Cooperativa de Ahorra y Credito San Antonio Ltda San Antonio de Ibarra, Hermanos Mideros 6-33 y 27 de NoviembreIbarra, Imbabadura
Data approved: 2010-11-08
Data version: 1
Age of data: 143 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.insotec-ec.com/
Year established1980
Head of InstitutionJosé Lanusse
Regions active
# Branches4

Total Portfolio (nat'l)USD 6,252,818
Total Portfolio (USD)USD 6,252,818
Active clients with loans7,244
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsRed Financiera Rural
FundersSISTEMA NACIONAL MICROFINANZAS, SYMBIOTICS, TRIODOS, ETIMOS

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addresshttp://www.coopsanantonio.com/
Year established1960
Head of InstitutionING. NORMA VASQUEZ
Regions active
# Branches1

Total Portfolio (nat'l)USD 2,384,754
Total Portfolio (USD)USD 2,384,754
Active clients with loans1,087
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsRed Financiera Rural, Uncacnor, Financoop, Fecoac
Funders

Loan Products » Summary

3,966 Borrowers
USD 3,443,769.36 Portfolio
Active Product
2,808 Borrowers
USD 2,504,087.79 Portfolio
Active Product
58 Borrowers
USD 26,695.01 Portfolio
Active Product
172 Borrowers
USD 73,328.71 Portfolio
Active Product

Loan Products » Summary

250 Borrowers
USD 577,488 Portfolio
Active Product
812 Borrowers
USD 1,726,538 Portfolio
Active Product
15 Borrowers
USD 80,727 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
CrediAgro USD 300 - 10,000 4 - 30 40% - 60% 0% - 20% Business, Mejora Local Women, Men, Have business Credit Ins
CrediSimple USD 300 - 10,000 4 - 30 40% - 60% 60% - 80% Business, Solo para capital de Trabajo, Activo Fijo,Mejora Local Women, Men, Have business Credit Ins
Emergente USD 250 - 1,800 3 - 5 20% - 40% 0% - 20% Business, Other, Usar solo para capital de trabajo Women, Men, Have business, Have home or land Credit Ins
SINCO USD 300 - 1,000 3 - 8 40% - 60% 20% - 40% Business, Usar solo para capital de trabajo Women, Men, Have business, Have home or land, Propietario de Terreno Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo USD 100 - 10,000 1 - 48 40% - 60% 0% - 20% Any Purpose Women, Men, Salaried worker Credit Ins
Microcredito USD 100 - 10,000 1 - 48 40% - 60% 0% - 20% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CrediAgro 22.3%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 24.8% - 27.3% 28% - 30.5% 75
CrediSimple 24.5%-29.9% annual, Decl Bal 0 Fees 1 Ins None N/A 24.8% - 27.3% 28.1% - 30.4% 83
Emergente 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 27.2% - 27.3% 30% - 30.3% 81
SINCO 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 27.2% - 27.3% 30.3% - 30.4% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 15.1% annual, Decl Bal 0 Fees 1 Ins None 10.0% upfront 5.00 ongoing 15.3% 18.2% - 18.8% 81
Microcredito 15.0%-26.0% annual, Decl Bal 0 Fees 1 Ins None 10.0% upfront 5.00 ongoing 19.3% 22.8% - 23.7% 64

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CrediAgro 22.3%-26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 24.8% - 27.3% 28% - 30.5% 75
CrediSimple 24.5%-29.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 24.8% - 27.3% 28.1% - 30.4% 83
Emergente 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.2% - 27.3% 30% - 30.3% 81
SINCO 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.2% - 27.3% 30.3% - 30.4% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 15.1% annual, Decl Bal 0 Fees 1 Ins Ins None 10.0% upfront 5.00 ongoing 15.3% 18.2% - 18.8% 81
Microcredito 15.0%-26.0% annual, Decl Bal 0 Fees 1 Ins Ins None 10.0% upfront 5.00 ongoing 19.3% 22.8% - 23.7% 64
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Loan Portfolio (USD)
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% Products with one or more fee
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