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Country Information

Capital: Quito

Lenguage: Spanish

Population 13,663,642

Geography:  Extending 283.561 km2, Ecuador’s geography has been shaped by the presence of the Andes Mountain range, which crosses the country from north to south.  In the Western Mountains, the maximum elevation is Mt. Chimborazo at 6.272 meters. In the Eastern Mountains, there are also impressive views, including Antisana, Cayambé and Cotopaxi, which at 5.943 meters, is the world’s highest volcano.

Climate: The climate is warm in the west, with marked aridity in the meridional sector, warm climate in the altiplanic lowlands (15°C, on average), which decreases noticeably in the Andean highlands, which in addition have abundant rainfall (4.000 mm annually);  and a humid and rainy climate in the East.

Currency: Dólar Americano 

Change Type: 1 USD = 1 USD en Ecuador

Financial Information*

Características de las Instituciones.


Number of MFIs


Total Assets


Sample size of group.


Total assets, adjusted for inflation and standardized loan portfolio provisioning and write-offs.





Estructura de Financiamiento.


Capital / Assets Ratio


Commercial Funding



Debt / Equity Ratio


Gross Loan Portfolio / Total Assets

Total Equity, adjusted/ Total Assets, adjusted.

All liabilities with “market” price/ Average Gross Loan Portfolio

Total liabilities, adjusted/ Total Equity, adjusted.

Gross Loan Portfolio, adjusted/ Total Assets, adjusted










Indicadores de Escala.


Number of Active Borrowers


% of Women Borrowers


Number of outstanding loans



Gross Loan Portfolio


Number of Borrowers with loans outstanding, adjusted for standardized write-offs.


Number of active women borrowers/ Number of Active Borrowers adjusted.


Number of outstanding loans, adjusted for standardized write-offs.


Gross Loan Portfolio, adjusted for standardized write-offss












Indicadores Macro Económicos


GNP per capita

GDP Growth Rate


Deposit Rate  


Inflation Rate


Financial Penetration


US $


Annual Average






M3 / GIP











Desempeño Financiero General.


Adjusted Return on Assets



Adjusted Return on Equito



Operational Self-Sufficiency



Financial Self-Sufficiency


Net Operating Income, adjusted and net of taxes/ Average Total Assets adjusted.


Net Operating Income, adjusted and net of taxes/ Average Total Equity adjusted.


Financial Revenue/ (Financial Expense + Net Loan Loss Provision Expense + Operating Expense).

Financial Revenue, adjusted/ (Financial Expense + Net Loan Loss Provision Expense + Operating Expense), adjusted.












* The data used in this section forms parts of a study by the MIX Society, Latin America, regarding the state of micro finances in the Latin America and the Caribbean region, as of December, 2006.  The information is part of a statistical sample of all the microfinance institutions in Peru, Bolivia and Ecuador.

Information taken from:  “Latin America and the Caribbean”, Microfinance Information eXchange (MIX), in Regional Benchmarks, MIX Latin America, December, 2006, Lima, , Peru.  Available in:

  Ruta de Aprendizaje® PROCASUR / Paths to Learning® PROCASUR  
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