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: 156 months

Institution

ESAF Microfinance & Investments (P) LTD No 5A 5th FloorPurasawalkamChennai, Tamil Nadu600084
Data approved: 2013-01-10
Data version: 3
Age of data: 131 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

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.emfil.org/
Year established1996
Head of InstitutionK. Paul Thomas
Regions activeChhattisgarh, Kerala, Madhya Pradesh, Maharashtra, Tamil Nadu
# Branches151

Total Portfolio (nat'l)INR 2,301,636,906
Total Portfolio (USD)USD 43,427,111.43
Active clients with loans352,627
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMFIN

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 » Summary

GL
34,589 Borrowers
USD 2,048,910.59 Portfolio
Active Product
IGL
272,854 Borrowers
USD 26,462,628.72 Portfolio
Active Product
1,612 Borrowers
USD 109,380.39 Portfolio
Active Product
1,106 Borrowers
USD 141,045.49 Portfolio
Active Product
44,043 Borrowers
USD 14,738,249.03 Portfolio
Active Product

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
General Loan INR 5,000 - 8,000 12 80% - 100% 0% - 20% Any Purpose Women, Men, Low HH Inc Credit Educ, Group Mtgs, Business Training
Income Generation Loan INR 8,000 - 15,000 12 80% - 100% 0% - 20% Business Women, Men, Low HH Inc Credit Educ, Group Mtgs, Business Training, Financial education
Jeevandhara INR 3,000 - 12,000 12 - 24 80% - 100% 0% - 20% For installing water connection Women, Men, Low HH Inc Credit Educ, Group Mtgs, Tech Asst Visits
Nirmal INR 6,000 - 12,000 12 - 24 80% - 100% 0% - 20% Sanitation Purposes Women, Men, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Tech Asst Visits
Income Generation Loan 2+ INR 16,000 - 30,000 24 80% - 100% 0% - 20% Business Women, Men, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Business Training

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

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
General Loan 27% - 27.9% 29.3% - 30.2% 29.6% - 30.5% Yes Yes Yes 95
Income Generation Loan 27% - 27.9% 29.3% - 30.2% 29.6% - 30.5% Yes Yes Yes 95
Jeevandhara 21.5% - 23.6% 23.8% - 25.5% 24.1% - 25.8% Yes Yes Yes 99
Nirmal 22% - 22.2% 23.2% - 23.4% 23.4% - 23.6% Yes Yes Yes 100
Income Generation Loan 2+ 26.7% - 27.2% 28.2% - 28.7% 28.3% - 28.9% Yes Yes Yes 97

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loan 26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 29.3% - 30.2% 29.6% - 30.5% 86
Income Generation Loan 26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 29.3% - 30.2% 29.6% - 30.5% 86
Jeevandhara 22.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 23.8% - 25.5% 24.1% - 25.8% 89
Nirmal 22.0%-26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 23.2% - 23.4% 23.4% - 23.6% 93
Income Generation Loan 2+ 26.0% annual, Decl Bal 1 Fee 0 Ins 12.36% fees N/A 28.2% - 28.7% 28.3% - 28.9% 90

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 Ins None N/A 15.4% 28.2% - 29.3% 53
Grupo Solidario 26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.3% 40.2% - 41.6% 65
Jovénes Emprendedores 26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.3% 39.4% - 40.5% 67
Microcrédito Individual 22.9%-26.9% annual, Decl Bal 1 Fee 0 Ins 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 Ins None N/A 27.3% 27.3% 84
Microcrédito Preferencial 21.0%-24.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 21.3% - 23.3% 24.6% - 26.9% 80
Microcrédito Triangular 26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.3% 39.5% - 41.6% 66
Microcrédito Vivienda 22.9%-26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.3% 39.2% - 40.1% 57

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
General Loan 27% - 27.9% 29.3% - 30.2% 29.6% - 30.5% Yes Yes Yes 95
Income Generation Loan 27% - 27.9% 29.3% - 30.2% 29.6% - 30.5% Yes Yes Yes 95
Jeevandhara 21.5% - 23.6% 23.8% - 25.5% 24.1% - 25.8% Yes Yes Yes 99
Nirmal 22% - 22.2% 23.2% - 23.4% 23.4% - 23.6% Yes Yes Yes 100
Income Generation Loan 2+ 26.7% - 27.2% 28.2% - 28.7% 28.3% - 28.9% Yes Yes Yes 97

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loan 26.0% annual, Decl Bal 1 Fee 0 Ins Ins 12.36% fees N/A 29.3% - 30.2% 29.6% - 30.5% 86
Income Generation Loan 26.0% annual, Decl Bal 1 Fee 0 Ins Ins 12.36% fees N/A 29.3% - 30.2% 29.6% - 30.5% 86
Jeevandhara 22.0% annual, Decl Bal 1 Fee 0 Ins Ins 12.36% fees N/A 23.8% - 25.5% 24.1% - 25.8% 89
Nirmal 22.0%-26.0% annual, Decl Bal 1 Fee 0 Ins Ins 12.36% fees N/A 23.2% - 23.4% 23.4% - 23.6% 93
Income Generation Loan 2+ 26.0% annual, Decl Bal 1 Fee 0 Ins Ins 12.36% fees N/A 28.2% - 28.7% 28.3% - 28.9% 90
Institution Price Graph
Institution Price Graph
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Key Statistics
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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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