2. Wisigara
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. D^Miro
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Union des CLECAM Wisigara RubavuGisenyi, Western RwandaPO Box 588
Data approved: 2012-11-07
Data version: 2
Age of data: 136 months
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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: 157 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressn/a
Year established2003
Head of InstitutionFlorent Majyambere
Regions activeBurera, Gakenke, Musanze, Ngororero, Nyabihu, Rubavu
# Branches11

Total Portfolio (nat'l)RWF 579,013,264
Total Portfolio (USD)USD 904,708.23
Active clients with loans2,177
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAMIR
FundersTerrafina, Banque Rwandaise Developpement, AQUADEV, RaboBank

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

Agriculture
1,039 Borrowers
USD 529,287.62 Portfolio
Active Product
Commerce
1,062 Borrowers
USD 189,401.16 Portfolio
Active Product
Other
76 Borrowers
USD 186,019.45 Portfolio
Active Product

Loan Products » Summary

Asalariado
1,848 Borrowers
USD 1,535,932.83 Portfolio
Active Product
Solidario
536 Borrowers
USD 98,301.18 Portfolio
Active Product
Emprended.
274 Borrowers
USD 186,658.07 Portfolio
Active Product
Individual
30,054 Borrowers
USD 21,578,604.36 Portfolio
Active Product
Indiv. Vida
233 Borrowers
USD 82,092.15 Portfolio
Active Product
Preferencial
322 Borrowers
USD 1,463,939.66 Portfolio
Active Product
Triangular
1,556 Borrowers
USD 1,157,907.63 Portfolio
Active Product
Vivienda
2,043 Borrowers
USD 1,563,054.44 Portfolio
Active Product
Creer
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
Agriculture Loan RWF 20,000 - 1,000,000 3 - 24 0% - 20% 0% - 20% Business Women, Men Credit Educ, Business Training, Other Training
Commerce Loan RWF 20,000 - 2,000,000 3 - 12 20% - 40% 0% - 20% Business, Housing, Consumer, Education Women, Men, Have business Credit Educ, Business Training, Other Training
Others Loan RWF 100,000 - 2,000,000 3 - 12 0% - 20% 0% - 20% Any Purpose Women, Men Credit Educ, Business Training, Education Finance

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
Agriculture Loan 24.00% annual, Decl Bal 2 Fees 1 Ins None 20.00% upfront 19.7% - 29.3% 29.9% - 42.4% 63
Commerce Loan 24.00% annual, Decl Bal 2 Fees 1 Ins None 20.00% upfront 27.8% - 78.1% 40.8% - 110.7% 39
Others Loan 24.00%-60.00% annual, Decl Bal 2 Fees 1 Ins None 20.00% upfront 27.3% - 78.1% 42.5% - 110.7% 35

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 24.00% annual, Decl Bal 2 Fees 1 Ins Ins None 20.00% upfront 19.7% - 29.3% 29.9% - 42.4% 63
Commerce Loan 24.00% annual, Decl Bal 2 Fees 1 Ins Ins None 20.00% upfront 27.8% - 78.1% 40.8% - 110.7% 39
Others Loan 24.00%-60.00% annual, Decl Bal 2 Fees 1 Ins Ins None 20.00% upfront 27.3% - 78.1% 42.5% - 110.7% 35

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
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Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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