| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2004 |
| Head of Institution | Akaare Emmanuel |
| Regions active | Northern Region |
| # Branches | 1 |
| Total Portfolio (nat'l) | GHS 64,800 |
| Total Portfolio (USD) | USD 32,893.40 |
| Active clients with loans | 145 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | CUA, GHAMFIN |
| Funders | SENDFINCO (SEND Ghana) |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.bancoprocredit.com.ec/ |
| Year established | 2001 |
| Head of Institution | Janet Pacheco |
| Regions active | Azuay, Carchi, Chimborazo, Cotopaxi, El Oro, GuayasImbabura, Loja, Manabí, PichinchaSanto Domingo de los Tsáchilas, Tungurahua |
| # Branches | 35 |
| Total Portfolio (nat'l) | USD 299,411,925 |
| Total Portfolio (USD) | USD 299,411,925 |
| Active clients with loans | 46,176 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | ProCredit Holding, Red Financiera Rural del Ecuador |
| Funders | Grupo ProCredit Holding |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | GHS 150 - 10,000 | 1 - 18 | 40% - 60% | 20% - 40% | Business | Women, Men, Have business | Group Mtgs | |||||||
| Microfinance Loan | GHS 120 - 250 | 4 | 80% - 100% | 0% - 20% | Business | Women, must be in a group and in the community | Credit Educ, Group Mtgs |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito agropecuario | USD 2,000 - 30,000 | 1 - 48 | 20% - 40% | 40% - 60% | Business, Housing, Education | Women, Men, Have business | Credit Ins | |||||||
| Crédito para microempresa | USD 2,000 - 20,000 | 1 - 48 | 20% - 40% | 80% - 100% | Any Purpose | Women, Men, Have business | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 36.00% annual, Decl Bal | 1 Fee | 1 Ins | None | 50.00% upfront | 38.1% - 40.2% | 162.3% - 175.1% | 21 | ||||||||
| Microfinance Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | N/A- upfront | 60.9% - 63.6% | 63% - 69.5% | 45 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito agropecuario | 22.6%-26.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Crédito para microempresa | 22.6%-26.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 36.00% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 50.00% upfront | 38.1% - 40.2% | 162.3% - 175.1% | 21 | ||||||||
| Microfinance Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A- upfront | 60.9% - 63.6% | 63% - 69.5% | 45 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito agropecuario | 22.6%-26.5% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Crédito para microempresa | 22.6%-26.5% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 0% | 0% | N/A |
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