| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1998 |
| Head of Institution | Worku Tsega |
| Regions active | |
| # Branches | 51 |
| Total Portfolio (nat'l) | ETB 119,816,176 |
| Total Portfolio (USD) | USD 6,511,748.70 |
| Active clients with loans | 45,331 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | AEMFI, Vision Fund International |
| Funders | World Vision |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.coopfatima.com/ |
| Year established | 1962 |
| Head of Institution | OSCAR MANUEL CORONADO ESPINOZA |
| Regions active | |
| # Branches | 5 |
| Total Portfolio (nat'l) | BOB 259,281,693 |
| Total Portfolio (USD) | USD 38,412,102.67 |
| Active clients with loans | 5,240 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Nacional |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agri-business Loan | ETB 3,000 - 5,000 | 6 - 12 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Agricultural Loan | ETB 2,500 - 4,500 | 6 - 12 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men, 75% of group members has to be women | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Business Loan | ETB 3,000 - 5,000 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Consumption Loan | ETB 3,000 - 5,000 | 10 - 24 | 60% - 80% | 20% - 40% | Any Purpose | Men, Salaried worker | Credit Educ, Group Mtgs | |||||||
| Enterprise loan | ETB 4,500 - 8,000 | 9 - 12 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business, Must have at least one employee, Must have at least a certain minimum capital limit. | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Individual Loan | ETB 4,000 - 50,000 | 9 - 24 | 60% - 80% | 80% - 100% | Business | Women, Men | Credit Educ, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | BOB 70,000 - 70,000 | 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| CREDITO A SOLA FIRMA | BOB 35,000 - 75,000 | 36 - 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | BOB 7,000 - 63,000 | 36 - 60 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | USD 1,000 - 50,000 | 24 - 96 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| Diamante - USD | USD 1,001 - 15,000 | 60 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| Garantía Cruzada (Bs.) | BOB 7,000 - 35,000 | 36 - 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Specific age group | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| HIPOTECARIO DE VIVIENDA | USD 10,000 - 140,000 | 120 - 180 | 0% - 20% | 80% - 100% | Business, Housing | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agri-business Loan | 17.5% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront 10.00 ongoing | 38.7% | 55.6% | 31 | ||||||||
| Agricultural Loan | 19.5% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront 10.00 ongoing | 22.1% | 28.1% | 69 | ||||||||
| Business Loan | 15.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront 10.00 ongoing | 33.2% | 47.3% | 32 | ||||||||
| Consumption Loan | 17.5% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 38.7% | 56.2% | 31 | ||||||||
| Enterprise loan | 15.0% annual, Flat | 1 Fee | 0 Ins | None | 10.0% upfront 10.00 ongoing | 22.9% - 31.9% | 30.1% - 76.9% | 35 | ||||||||
| Individual Loan | 15.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 31.6% - 32.9% | 35.8% - 38.8% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | 16.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 16.9% | 17.6% | 91 | ||||||||
| CREDITO A SOLA FIRMA | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 19% - 19.3% | 19.7% - 20.5% | 90 | ||||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | 16.0%-18.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 16.9% - 19% | 17.7% - 25.9% | 74 | ||||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | 13.0%-15.0% annual, Decl Bal | 2 Fees | 0 Ins | 3.00 fixed | 10.00 upfront | 13.9% - 15.9% | 14.4% - 22.5% | 75 | ||||||||
| Diamante - USD | 16.0% annual, Decl Bal | 1 Fee | 0 Ins | 3.00 fixed | 10.0% upfront | 16.9% - 17% | 17.3% - 17.4% | 92 | ||||||||
| Garantía Cruzada (Bs.) | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 20.7% - 21% | 23.9% - 27.8% | 71 | ||||||||
| HIPOTECARIO DE VIVIENDA | 10.0%-13.0% annual, Decl Bal | 2 Fees | 0 Ins | 3.00 fixed | N/A | 13.2% - 13.9% | 14.2% - 14.4% | 70 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agri-business Loan | 17.5% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront 10.00 ongoing | 38.7% | 55.6% | 31 | ||||||||
| Agricultural Loan | 19.5% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront 10.00 ongoing | 22.1% | 28.1% | 69 | ||||||||
| Business Loan | 15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront 10.00 ongoing | 33.2% | 47.3% | 32 | ||||||||
| Consumption Loan | 17.5% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 38.7% | 56.2% | 31 | ||||||||
| Enterprise loan | 15.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.0% upfront 10.00 ongoing | 22.9% - 31.9% | 30.1% - 76.9% | 35 | ||||||||
| Individual Loan | 15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 31.6% - 32.9% | 35.8% - 38.8% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | 16.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 16.9% | 17.6% | 91 | ||||||||
| CREDITO A SOLA FIRMA | 18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 19% - 19.3% | 19.7% - 20.5% | 90 | ||||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | 16.0%-18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 16.9% - 19% | 17.7% - 25.9% | 74 | ||||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | 13.0%-15.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 3.00 fixed | 10.00 upfront | 13.9% - 15.9% | 14.4% - 22.5% | 75 | ||||||||
| Diamante - USD | 16.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 3.00 fixed | 10.0% upfront | 16.9% - 17% | 17.3% - 17.4% | 92 | ||||||||
| Garantía Cruzada (Bs.) | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 20.7% - 21% | 23.9% - 27.8% | 71 | ||||||||
| HIPOTECARIO DE VIVIENDA | 10.0%-13.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 3.00 fixed | N/A | 13.2% - 13.9% | 14.2% - 14.4% | 70 |
| Key Statistics | |
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| % Products using declining balance | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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