2. MWIMPC
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. Espoir
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

Maranding Women Investors Multipurpose Cooperative 2nd Floor, Fabian Flores Cultural CenterMarandingLala, Lanao del Norte/Region X9211
Data approved: 2011-12-07
Data version: 1
Age of data: 150 months

Institution

Fundación para el Desarrollo Integral Espoir Iñaquito No. 1261 y Naciones Unidas Edficio Comandato Torre Iñaquito PenthouseQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionMARILOU BANDING
Regions active
# Branches10

Total Portfolio (nat'l)PhP 79,034,409.97
Total Portfolio (USD)USD 1,890,775.36
Active clients with loans12,093
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsLZMCN, Philippine Federation of Credit Coopertives, Philippine Federation of Women In Coopertaives, COOP LIFE Assurance Society of the Philippines
FundersOikocredit, Seedfinance, Landbank of the Philippines (LBP), NLDC

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.espoir.org.ec/
Year established2002
Head of InstitutionDr. Guillero José Francisco Moreno Oleas
Regions active
# Branches6

Total Portfolio (nat'l)USD 21,264,263
Total Portfolio (USD)USD 21,264,263
Active clients with loans56,896
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Individual
5,000 Borrowers
USD 972,776.16 Portfolio
Active Product
KAPA
104 Borrowers
USD 12,775.12 Portfolio
Active Product
Life Protect
2,400 Borrowers
USD 44,569.38 Portfolio
Active Product
Trinity
4,364 Borrowers
USD 710,271.15 Portfolio
Active Product

Loan Products » Summary

Comunal
52,471 Borrowers
USD 13,907,941 Portfolio
Active Product
Emergente
6,175 Borrowers
USD 1,687,779 Portfolio
Active Product
Empresarial
1,635 Borrowers
USD 2,414,152 Portfolio
Active Product
Mejor
773 Borrowers
USD 404,805 Portfolio
Active Product
Minorista
1,094 Borrowers
USD 2,621,383 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual Loan PHP 5,000 - 300,000 6 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Salaried worker, Specific age group, 18-69 y.o., CI/BI Credit Educ, Credit Ins, Tech Asst Visits, Business Training
KAPA Loan PHP 10,000 - 40,000 3 - 6 80% - 100% 0% - 20% Agriculture Women, Men, Have business, Have home or land, Specific age group, 18-69 y.o., CI/BI Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Life Protection Loan PHP 1,380 - 1,380 4 - 8 80% - 100% 0% - 20% Life Insurance Women, Men, Specific age group, 18-64 y.o, CI/BI Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Trinity Loan PHP 6,200 - 12,400 2 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group, 18-69 y.o. , CI/BI Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito de Banca Comunal USD 350 - 1,800 4 - 6 80% - 100% 40% - 60% Business Women, Men, Hombres solo si representan el 20% del total de miembros de grupo Credit Educ, Group Mtgs, Business Training, Other Training
Crédito Emergente USD 100 - 500 2 - 6 80% - 100% 40% - 60% Business, Other Women, Men, Have business Credit Ins
Crédito Empresarial USD 1,000 - 8,000 12 - 36 60% - 80% 40% - 60% Business Women, Men, Have business, Specific age group
Crédito Vivamos Mejor USD 200 - 1,000 2 - 12 80% - 100% 40% - 60% Housing Women, Men, Have business, Have home or land
Microcrédito Individual Minorista USD 1,000 - 8,000 12 - 36 60% - 80% 20% - 40% Business, Education 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
Individual Loan 36.0% annual, Flat 2 Fees 1 Ins None 20.0% upfront 80.00 ongoing 41% - 69.2% 40.8% - 121.3% 47
KAPA Loan 36.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 90.00 ongoing 37% - 53.6% 45.5% - 69% 63
Life Protection Loan 18.0% annual, Flat 2 Fees 0 Ins None 100.00 upfront 34.1% 45.2% 40
Trinity Loan 21.0%-60.0% annual, Flat 2 Fees 1 Ins None 20.0% upfront 80.00 ongoing 49.7% 104.4% 20

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito de Banca Comunal 24.3%-26.8% annual, Flat 0 Fees 0 Ins None 10.0% upfront 24.7% - 27.6% 30.1% - 34% 73
Crédito Emergente 26.9% annual, Decl Bal 0 Fees 0 Ins None N/A 26.7% - 26.9% 26.7% - 26.9% 100
Crédito Empresarial 24.5% annual, Decl Bal 0 Fees 0 Ins None N/A 24.5% - 28.9% 24.5% - 28.9% 90
Crédito Vivamos Mejor 26.9% annual, Flat 0 Fees 0 Ins None N/A 26.7% - 26.8% 26.7% - 26.8% 100
Microcrédito Individual Minorista 24.5%-26.9% annual, Decl Bal 0 Fees 0 Ins None N/A 26.9% - 28.9% 26.9% - 28.9% 88

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Loan 36.0% annual, Flat 2 Fees 1 Ins Ins None 20.0% upfront 80.00 ongoing 41% - 69.2% 40.8% - 121.3% 47
KAPA Loan 36.0% annual, Flat 2 Fees 1 Ins Ins None 5.0% upfront 90.00 ongoing 37% - 53.6% 45.5% - 69% 63
Life Protection Loan 18.0% annual, Flat 2 Fees 0 Ins Ins None 100.00 upfront 34.1% 45.2% 40
Trinity Loan 21.0%-60.0% annual, Flat 2 Fees 1 Ins Ins None 20.0% upfront 80.00 ongoing 49.7% 104.4% 20

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito de Banca Comunal 24.3%-26.8% annual, Flat 0 Fees 0 Ins Ins None 10.0% upfront 24.7% - 27.6% 30.1% - 34% 73
Crédito Emergente 26.9% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 26.7% - 26.9% 26.7% - 26.9% 100
Crédito Empresarial 24.5% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 24.5% - 28.9% 24.5% - 28.9% 90
Crédito Vivamos Mejor 26.9% annual, Flat 0 Fees 0 Ins Ins None N/A 26.7% - 26.8% 26.7% - 26.8% 100
Microcrédito Individual Minorista 24.5%-26.9% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 26.9% - 28.9% 26.9% - 28.9% 88
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