| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AB Bank | 300 | 307,000 | 2 | 156 |
| AMZ | 4,900 | 651,000 | 2 | 156 |
| CETZAM | 6,700 | 2,210,000 | 4 | 156 |
| Eclof Zambia | 200 | 111,000 | 4 | 156 |
| Empowerment | 1,500 | 447,000 | 5 | 156 |
| FINCA Zambia | 43,700 | 16,420,000 | 4 | 114 |
| Harmos | 9,800 | 1,398,000 | 3 | 156 |
| Kungoma | 43 | 18,000 | 2 | 156 |
| MBT | 13,900 | 1,563,000 | 5 | 156 |
| Meanwood | 2,000 | 1,766,000 | 5 | 156 |
| PFSL | 1,300 | 3,506,000 | 3 | 156 |
| Zambia CRC | 30 | 1,000 | 1 | 156 |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://coopsanjose.fin.ec/ |
| Year established | 1964 |
| Head of Institution | José Guillen Sierra |
| Regions active | |
| # Branches | 6 |
| Total Portfolio (nat'l) | USD 30,756,404.80 |
| Total Portfolio (USD) | USD 30,756,404.80 |
| Active clients with loans | 10,594 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders |
| 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 |
| 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 |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
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