| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | http://WWW.COACSANMIGUEL.FIN.EC/ |
| Year established | 1995 |
| Head of Institution | SULEMA PIZARRO CANDO |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | USD 4,602,402.64 |
| Total Portfolio (USD) | USD 4,602,402.64 |
| Active clients with loans | 1,953 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito de Consumo | USD 250 - 8,000 | 4 - 30 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
| Credito de Vivienda | USD 8,001 - 17,000 | 38 - 58 | 20% - 40% | 60% - 80% | Housing, Compra de terreno, casa, apartamentos, Construccion y mejora de casa | Women, Men, Have business, Have home or land, Salaried worker | Credit Ins | |||||||
| Micro Juanita Individual | USD 250 - 17,000 | 4 - 56 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DE UN BIEN INMUEBLE. | Credit Ins | |||||||
| Microcreditos | USD 250 - 17,000 | 4 - 56 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DEL BIEN INMUEBLE. | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito de Consumo | 15.2% annual, Decl Bal | 0 Fees | 1 Ins | None | 9.0% upfront | 15.4% | 18.7% - 19.2% | 79 | ||||||||
| Credito de Vivienda | 10.8% annual, Decl Bal | 1 Fee | 0 Ins | None | 9.0% upfront | 10.9% | 13.8% | 78 | ||||||||
| Micro Juanita Individual | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 20.3% | 21% | 95 | ||||||||
| Microcreditos | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.3% - 27.3% | 23.1% - 28% | 80 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACSI | 682,200 | 103,172,000 | 5 | 139 |
| ADCSI | 176,100 | 30,846,000 | 2 | 140 |
| BG | 47,000 | 4,048,000 | 4 | 139 |
| DECSI | 361,000 | 96,304,000 | 7 | 139 |
| Dire | 4,900 | 828,000 | 4 | 139 |
| DMCPSC | 1,200 | 69,000 | 1 | 139 |
| Eshet | 18,800 | 2,392,000 | 3 | 139 |
| Harbu | 22,400 | 1,757,000 | 2 | 139 |
| Meklit | 12,200 | 1,395,000 | 4 | 139 |
| Metemamen | 10,500 | 650,000 | 6 | 139 |
| OCSSCO | 502,700 | 69,565,000 | 3 | 139 |
| OMO | 323,600 | 31,385,000 | 4 | 139 |
| PEACE | 17,200 | 2,462,000 | 3 | 139 |
| SFPI | 33,600 | 2,750,000 | 3 | 139 |
| Sidama | 53,400 | 1,162,000 | 6 | 139 |
| Wasasa | 49,300 | 5,798,000 | 4 | 139 |
| Wisdom MFI | 45,300 | 5,500,000 | 6 | 136 |
| Key Statistics | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
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