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Cooperativa de Ahorro y Crédito "Fernando Daquilema" Ltda - Mikrofinanz für Betriebskapital, Sozialwohnungen und Landerwerb

Cooperativa de Ahorro y Crédito "Fernando Daquilema" Ltda

Microfinance for working capital, social housing, and the purchase of land

Ecuador

Cooperativa de Ahorro y Crédito “Fernando Daquilema” Ltda, Ecuador  (Daquilema) is a savings and credit cooperative founded in 1985 in a rural town in the province of Chimborazo to provide financial and non-financial services to local people.

Daquilema offers a number of financial products for people with low and middle incomes living in both urban and rural areas. Its products are used for various purposes, related to improving the borrower's living standards.

By way of example, microcredit is offered as working capital or a means of acquiring fixed assets. Mortgaged loans are offered as loans for social housing or the purchase of lands. Consumption loans are offered for personal expenses such as education, healthcare, etc. Daquilema also offers life insurance which covers the loan in the event of death.

The cooperative offers payment services, including the payment of foreign remittances and the payment of public utilities such as water, electricity and telephone bills at no extra cost.

Daquilema has been using Oikocredit's loans to meet the local demand for more financial services.

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