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Institution

BANCO D-MIRO S.A. Cooperativa Americo Vespucio II Manzana A Solar 8Guayaquil, GuayasN/A
Data approved: 2011-06-27
Data version: 1
Age of data: 114 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.d-miro.org/
Year established2010
Head of InstitutionCarlos Egas Guerra
Regions active
# Branches14

Total Portfolio (nat'l)USD 33,162,498
Total Portfolio (USD)USD 33,162,498
Active clients with loans37,455
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsRed Financiera Rural
FundersPettelaar Effectenbewaarbedrijf N.V. - SNS, Triple Jump, Microvest Fund, Credit Suisse Microfinance Fund Management Company

Loan Products » Summary

1,848 Borrowers
USD 1,535,932.83 Portfolio
Active Product
536 Borrowers
USD 98,301.18 Portfolio
Active Product
274 Borrowers
USD 186,658.07 Portfolio
Active Product
30,054 Borrowers
USD 21,578,604.36 Portfolio
Active Product
233 Borrowers
USD 82,092.15 Portfolio
Active Product
322 Borrowers
USD 1,463,939.66 Portfolio
Active Product
1,556 Borrowers
USD 1,157,907.63 Portfolio
Active Product
2,043 Borrowers
USD 1,563,054.44 Portfolio
Active Product
46 Borrowers
USD 26,206.86 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito Asalariado USD 600 - 2,000 10 - 12 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Ins
Grupo Solidario USD 400 - 800 6 - 12 80% - 100% 80% - 100% Business Women, Men, Have business Credit Ins
Jovénes Emprendedores USD 600 - 1,000 6 - 36 40% - 60% 80% - 100% Business Women, Men, Specific age group Credit Ins
Microcrédito Individual USD 400 - 20,000 10 - 36 60% - 80% 60% - 80% Business Women, Men, Have business Credit Ins
Microcrédito Individual Vida USD 400 - 20,000 6 - 36 40% - 60% 80% - 100% Business Women, Men, Have business, Specific age group Credit Ins, Servicio de protección familiar en caso de fallecimiento del titular o conyuge, incapacidad total y permanente
Microcrédito Preferencial USD 5,000 - 20,000 12 - 36 40% - 60% 80% - 100% Business Women, Men, Have business Credit Ins
Microcrédito Triangular USD 800 - 2,000 6 - 36 40% - 60% 80% - 100% Business Women, Men, Have business Credit Ins
Microcrédito Vivienda USD 1,000 - 20,000 6 - 36 40% - 60% 80% - 100% Business, Housing Women, Men, Have business, Have home or land Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Asalariado 15.2% annual, Decl Bal 1 Fee 0 Ins None N/A 15.4% 28.2% - 29.3% 53
Grupo Solidario 26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 27.3% 40.2% - 41.6% 65
Jovénes Emprendedores 26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 27.3% 39.4% - 40.5% 67
Microcrédito Individual 22.9%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 24.9% - 27.3% 37.5% - 39.7% 59
Microcrédito Individual Vida 22.9%-26.9% annual, Decl Bal 0 Fees 0 Ins None N/A 27.3% 27.3% 84
Microcrédito Preferencial 21.0%-24.5% annual, Decl Bal 1 Fee 0 Ins None N/A 21.3% - 23.3% 24.6% - 26.9% 80
Microcrédito Triangular 26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 27.3% 39.5% - 41.6% 66
Microcrédito Vivienda 22.9%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 27.3% 39.2% - 40.1% 57
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,000190
AMPL00090
Arman41,500529,107,000190
Arohan43,5008,091,000290
ASA INDIA164,00015,380,000190
Asirvad113,50019,328,000190
Asmitha1,114,800217,867,000190
Bandhan4,048,600674,564,000590
Belstar123,00023,945,000268
BSFL275,20031,590,000390
Chaitanya20,7003,748,000390
Disha Microfin69,00014,332,000290
Equitas1,220,000186,415,000490
ESAF354,20043,500,000590
FFSL150,60035,719,000290
Fusion66,8009,820,000290
Grama Vidiyal738,200102,101,000190
Grameen Koota586,60083,555,0001592
Janalakshmi506,000119,077,000290
L & T Finance399,80037,199,000190
MFL331,80049,083,000190
MMFL175,00023,752,000290
Mpower13,6002,263,000290
Sahayata00090
Saija24,7004,682,000290
Samasta45,5004,809,000290
Satin405,60090,174,000290
SCCI115,60015,910,000290
Share2,195,400376,727,000190
SKS3,409,000355,029,000290
SMILE360,20056,927,000190
SNFL9,4001,779,000190
Sonata Finance158,20022,724,000392
Spandana533,400147,240,000290
Suryoday78,60014,713,000390
SVCL118,20018,886,000190
Swadhaar92,80017,166,000390
Trident68,7008,852,000190
Ujjivan913,300160,848,000590
Utkarsh168,60025,915,000390
VFS175,40019,264,000290
Asomi50,3004,743,0002122
AES India3,600286,0001122
Arth2,900611,0002122
Asomi50,3004,743,0002122
Barasat GS1,10099,508.021122
BJS6,000468,0001122
Cashpor417,00050,452,0001121
Credible10,0001,669,540.362122
DIBAKAR1,800145,0001121
GOF65,2005,388,0004121
Hope62,6004,407,0001119
Jaago2,700237,0001120
LOK4,900573,0001121
Nano25,6003,660,0002122
NBSAAVS28,1002,821,0001119
Nirantara8,200917,0002121
Parama7,100482,0001121
Pragathi26,2004,579,0006121
PWMACS36,5005,946,0001121
Saadhana90,90012,046,0002121
Sambhav1,500183,0003121
Seba Rahara6,700468,0001121
SU61,1005,498,0001121
Swayanshree7,900918,0002121
Vikas Samiti1,600168,0001121
Vistaar4,3001,157,0002119
We The People1,100244,0002121
WEMCS1,10085,0001121
Yukti1,10099,0002121
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Key Statistics
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# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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