INSOTEC - MFTransparency.org Truth In Lending Tables

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Institution

INSOTEC Juan León Mera N24-12 y WilsonQuito, Pichincha

Data approved: 2010-11-08

Data version: 1

Age of data: 159 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.insotec-ec.com/
Year established	1980
Head of Institution	José Lanusse
Regions active
# Branches	4

Total Portfolio (nat'l)	USD 6,252,818
Total Portfolio (USD)	USD 6,252,818
Active clients with loans	7,244
Approximate % female clients	40% - 60%
Approximate % urban clients	40% - 60%
Network affiliations	Red Financiera Rural
Funders	SISTEMA NACIONAL MICROFINANZAS, SYMBIOTICS, TRIODOS, ETIMOS

Loan Products » Summary

CrediAgro

3,966 Borrowers

USD 3,443,769.36 Portfolio

Active Product

CrediSimple

2,808 Borrowers

USD 2,504,087.79 Portfolio

Active Product

Emergente

58 Borrowers

USD 26,695.01 Portfolio

Active Product

SINCO

172 Borrowers

USD 73,328.71 Portfolio

Active Product

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 » 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

Institution Price Graph

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Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	128
AMPL	0	0	0	128
Arman	41,500	529,107,000	1	128
Arohan	43,500	8,091,000	2	128
ASA INDIA	164,000	15,380,000	1	128
Asirvad	113,500	19,328,000	1	128
Asmitha	1,114,800	217,867,000	1	128
Bandhan	4,048,600	674,564,000	5	128
Belstar	123,000	23,945,000	2	106
BSFL	275,200	31,590,000	3	128
Chaitanya	20,700	3,748,000	3	128
Disha Microfin	69,000	14,332,000	2	128
Equitas	1,220,000	186,415,000	4	128
ESAF	354,200	43,500,000	5	128
FFSL	150,600	35,719,000	2	128
Fusion	66,800	9,820,000	2	128
Grama Vidiyal	738,200	102,101,000	1	128
Grameen Koota	586,600	83,555,000	15	130
Janalakshmi	506,000	119,077,000	2	128
L & T Finance	399,800	37,199,000	1	128
MFL	331,800	49,083,000	1	128
MMFL	175,000	23,752,000	2	128
Mpower	13,600	2,263,000	2	128
Sahayata	0	0	0	128
Saija	24,700	4,682,000	2	128
Samasta	45,500	4,809,000	2	128
Satin	405,600	90,174,000	2	128
SCCI	115,600	15,910,000	2	128
Share	2,195,400	376,727,000	1	128
SKS	3,409,000	355,029,000	2	128
SMILE	360,200	56,927,000	1	128
SNFL	9,400	1,779,000	1	128
Sonata Finance	158,200	22,724,000	3	130
Spandana	533,400	147,240,000	2	128
Suryoday	78,600	14,713,000	3	128
SVCL	118,200	18,886,000	1	128
Swadhaar	92,800	17,166,000	3	128
Trident	68,700	8,852,000	1	128
Ujjivan	913,300	160,848,000	5	128
Utkarsh	168,600	25,915,000	3	128
VFS	175,400	19,264,000	2	128
Asomi	50,300	4,743,000	2	160
AES India	3,600	286,000	1	160
Arth	2,900	611,000	2	160
Asomi	50,300	4,743,000	2	160
Barasat GS	1,100	99,508.02	1	160
BJS	6,000	468,000	1	160
Cashpor	417,000	50,452,000	1	159
Credible	10,000	1,669,540.36	2	160
DIBAKAR	1,800	145,000	1	159
GOF	65,200	5,388,000	4	159
Hope	62,600	4,407,000	1	157
Jaago	2,700	237,000	1	158
LOK	4,900	573,000	1	159
Nano	25,600	3,660,000	2	160
NBSAAVS	28,100	2,821,000	1	157
Nirantara	8,200	917,000	2	159
Parama	7,100	482,000	1	159
Pragathi	26,200	4,579,000	6	159
PWMACS	36,500	5,946,000	1	159
Saadhana	90,900	12,046,000	2	159
Sambhav	1,500	183,000	3	159
Seba Rahara	6,700	468,000	1	159
SU	61,100	5,498,000	1	159
Swayanshree	7,900	918,000	2	159
Vikas Samiti	1,600	168,000	1	159
Vistaar	4,300	1,157,000	2	157
We The People	1,100	244,000	2	159
WEMCS	1,100	85,000	1	159
Yukti	1,100	99,000	2	159

Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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