2. Hluvuku-ADSEMA
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. COAC San José
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

HLUVUKU-ADSEMA Rua Principal, Bela Vista Parcela 33Bela Vista, Maputo
Data approved: 2012-01-21
Data version: 1
Age of data: -   months 
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Institution

COAC San José San Jose de Chimbo, calle Chimborazo 536 y 3 de MarzoCanton Chimbo, Provincia Bolivar
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2001
Head of InstitutionBernardo Lu?s Tembe
Regions active0
# Branches6

Total Portfolio (nat'l)MT 69,146,163
Total Portfolio (USD)USD 2,230,521.39
Active clients with loans5,106
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAMOMIF
FundersFord Foundation, DNPDR/UNCDF, FARE, Oxfam/Novib

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://coopsanjose.fin.ec/
Year established1964
Head of InstitutionJosé Guillen Sierra
Regions active
# Branches6

Total Portfolio (nat'l)USD 30,756,404.80
Total Portfolio (USD)USD 30,756,404.80
Active clients with loans10,594
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

Com & Serv
1,429 Borrowers
USD 624,546 Portfolio
Active Product
Agro
614 Borrowers
USD 267,663 Portfolio
Active Product
Habit & Cons
3,063 Borrowers
USD 1,338,313 Portfolio
Active Product

Loan Products » Summary

Sueldo
932 Borrowers
USD 175,901 Portfolio
Active Product
Consumo
2,724 Borrowers
USD 12,223,241.28 Portfolio
Active Product
Vencimiento
1,945 Borrowers
USD 1,531,514.57 Portfolio
Active Product
Mensual
397 Borrowers
USD 132,380.51 Portfolio
Active Product
Individual
4,498 Borrowers
USD 15,070,871.05 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Comercio & Servicos MZN 5,000 - 350,000 4 - 18 60% - 80% 0% - 20% Business Women Credit Educ, Group Mtgs, Business Training
Credito Agro-pecuaria/ Agro-negocios MZN 5,000 - 200,000 6 - 18 40% - 60% 0% - 20% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Credito Habitacao e Bens de consumo MZN 5,000 - 200,000 6 - 18 40% - 60% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Anticipo de Sueldo USD 20 - 305 3 0% - 20% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Consumo USD 100 - 20,000 3 - 84 40% - 60% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Microcredito Grupal Pago al Vencimiento USD 600 - 1,600 6 - 12 40% - 60% 0% - 20% Business, Capital de Trabajo Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Microcredito Grupal Pago Mensual USD 400 - 4,000 6 - 24 40% - 60% 0% - 20% Business, Capital de Trabajo Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Microcredito Individual USD 100 - 20,000 3 - 72 0% - 20% 40% - 60% Business Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercio & Servicos 55.2% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Credito Agro-pecuaria/ Agro-negocios 34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 0% 0% N/A
Credito Habitacao e Bens de consumo 50.4% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Anticipo de Sueldo 12.9% annual, Decl Bal 1 Fee 0 Ins None 1.00% ongoing 2.00 ongoing 13.1% 13.6% 95
Consumo 12.9% annual, Decl Bal 1 Fee 0 Ins None 1.00% ongoing 2.00 ongoing 13.1% 13.6% - 13.8% 94
Microcredito Grupal Pago al Vencimiento 18.0% annual, Decl Bal 1 Fee 0 Ins None 12.00 ongoing 18.3% - 18.5% 18.9% 95
Microcredito Grupal Pago Mensual 18.0% annual, Decl Bal 1 Fee 0 Ins None 1.00% ongoing 2.00 ongoing 18.2% - 18.3% 18.9% - 19.1% 94
Microcredito Individual 18.0% annual, Decl Bal 1 Fee 0 Ins None 6.7% upfront 1.00% ongoing 2.00 ongoing 18.2% - 18.3% 20.7% - 21.5% 85

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercio & Servicos 55.2% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 0% 0% N/A
Credito Agro-pecuaria/ Agro-negocios 34.8% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 0% 0% N/A
Credito Habitacao e Bens de consumo 50.4% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Anticipo de Sueldo 12.9% annual, Decl Bal 1 Fee 0 Ins Ins None 1.00% ongoing 2.00 ongoing 13.1% 13.6% 95
Consumo 12.9% annual, Decl Bal 1 Fee 0 Ins Ins None 1.00% ongoing 2.00 ongoing 13.1% 13.6% - 13.8% 94
Microcredito Grupal Pago al Vencimiento 18.0% annual, Decl Bal 1 Fee 0 Ins Ins None 12.00 ongoing 18.3% - 18.5% 18.9% 95
Microcredito Grupal Pago Mensual 18.0% annual, Decl Bal 1 Fee 0 Ins Ins None 1.00% ongoing 2.00 ongoing 18.2% - 18.3% 18.9% - 19.1% 94
Microcredito Individual 18.0% annual, Decl Bal 1 Fee 0 Ins Ins None 6.7% upfront 1.00% ongoing 2.00 ongoing 18.2% - 18.3% 20.7% - 21.5% 85
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