2. Sidama
Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. CEPESIU
Please note that the information you are viewing is 164 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sidama MFI Head OfficeHawassaPO Box 565
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Institution

CEPESIU Veintimilla E10-50 y Av. 12 de OctubreEdificio Quito 12 El Giron Torre W, PenthouseQuito, Pichincha
Data approved: 2010-11-22
Data version: 1
Age of data: 164 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionMr Tarekegn Bache
Regions active
# Branches20

Total Portfolio (nat'l)ETB 37,000,000
Total Portfolio (USD)USD 2,010,869.57
Active clients with loans52,914
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, MAIN
FundersIrish Aid (initially), Care Ethiopia

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cepesiu.org.ec/
Year established1983
Head of InstitutionCecilia Padilla
Regions active
# Branches3

Total Portfolio (nat'l)USD 939,466.31
Total Portfolio (USD)USD 939,466.31
Active clients with loans2,011
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

Agriculture
15,345 Borrowers
USD 703,804.35 Portfolio
Active Product
General
6,350 Borrowers
USD 36,195.65 Portfolio
Active Product
Housing
8,465 Borrowers
USD 30,163.04 Portfolio
Active Product
Enterprise
6,350 Borrowers
USD 28,152.17 Portfolio
Active Product
Petty Trade
16,403 Borrowers
USD 361,956.52 Portfolio
Active Product
Service Loan
530 Borrowers
USD 2,010.87 Portfolio
Active Product

Loan Products » Summary

Directo
166 Borrowers
USD 66,556.84 Portfolio
Active Product
Individual
176 Borrowers
USD 157,302.20 Portfolio
Active Product
Solidario
1,612 Borrowers
USD 589,823 Portfolio
Active Product
SPI
57 Borrowers
USD 125,784.24 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan ETB 300 - 50,000 3 - 24 0% - 20% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
General Loan ETB 300 - 10,000 12 40% - 60% 20% - 40% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Credit Ins
Housing Loan ETB 10,000 - 100,000 12 - 24 0% - 20% 80% - 100% Housing Women, Men, Have home or land Credit Ins
Micro and Small Enterprise Loan ETB 300 - 50,000 3 - 24 0% - 20% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Petty Trade Loan ETB 300 - 100,000 3 - 24 20% - 40% 40% - 60% Business Women, Men, Have home or land Credit Educ, Group Mtgs, Credit Ins
Service Loan ETB 300 - 100,000 12 - 24 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Programa de Crédito Directo USD 500 - 1,500 4 - 8 20% - 40% 0% - 20% Business Women, Men, Have business, Asociacion debe haber firmado convenio con Cepesiu, Producto dirigido a produccion agricola de ciclo corto Tech Asst Visits
Programa de Crédito Individual (PCI) USD 500 - 3,000 6 - 18 40% - 60% 80% - 100% Business Women, Men, Have business, Buena calificacion en la Central de Riesgos, Negocios establecidos un año Tech Asst Visits
Programa Grupo Solidario USD 200 - 1,500 4 - 18 60% - 80% 60% - 80% Business Women, Men, Have business, Buena calificacion en central de riesgos., Negocio funcionando 1 año. Tech Asst Visits
Sociedad Popular de Inversión SPI USD 300 - 10,000 4 - 24 40% - 60% 20% - 40% Business Women, Men, Estructuras financieras locales autogestionadas de credito, Minimo 4 meses de funcionamiento Tech Asst Visits, Cepesiu brinda asistencia tecnica con recursos no reembolsables

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 12.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 35.6% - 40.4% 41.9% - 48.8% 27
General Loan 18.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 35.6% - 35.7% 42.8% - 46.9% 40
Housing Loan 15.0%-18.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 28.7% - 35.6% 34.5% - 44.2% 41
Micro and Small Enterprise Loan 18.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 28.6% - 35.5% 32.9% - 41.8% 51
Petty Trade Loan 18.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 28.7% - 35.7% 32.9% - 43.7% 48
Service Loan 18.0% annual, Flat 1 Fee 1 Ins None 6.0% upfront 20.00 ongoing 28.7% - 28.8% 32.9% - 33.1% 54

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 19% - 24.8% 19% - 24.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 12.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 35.6% - 40.4% 41.9% - 48.8% 27
General Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 35.6% - 35.7% 42.8% - 46.9% 40
Housing Loan 15.0%-18.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 28.7% - 35.6% 34.5% - 44.2% 41
Micro and Small Enterprise Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 28.6% - 35.5% 32.9% - 41.8% 51
Petty Trade Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 28.7% - 35.7% 32.9% - 43.7% 48
Service Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 6.0% upfront 20.00 ongoing 28.7% - 28.8% 32.9% - 33.1% 54

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 19% - 24.8% 19% - 24.8% 100
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% Products with one or more insurances
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