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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: 140 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
Adhikar35,3002,674,0001115
AMPL000115
Arman41,500529,107,0001115
Arohan43,5008,091,0002115
ASA INDIA164,00015,380,0001115
Asirvad113,50019,328,0001115
Asmitha1,114,800217,867,0001115
Bandhan4,048,600674,564,0005115
Belstar123,00023,945,000294
BSFL275,20031,590,0003115
Chaitanya20,7003,748,0003115
Disha Microfin69,00014,332,0002115
Equitas1,220,000186,415,0004115
ESAF354,20043,500,0005115
FFSL150,60035,719,0002115
Fusion66,8009,820,0002115
Grama Vidiyal738,200102,101,0001115
Grameen Koota586,60083,555,00015117
Janalakshmi506,000119,077,0002115
L & T Finance399,80037,199,0001115
MFL331,80049,083,0001115
MMFL175,00023,752,0002115
Mpower13,6002,263,0002115
Sahayata000115
Saija24,7004,682,0002115
Samasta45,5004,809,0002115
Satin405,60090,174,0002115
SCCI115,60015,910,0002115
Share2,195,400376,727,0001115
SKS3,409,000355,029,0002115
SMILE360,20056,927,0001115
SNFL9,4001,779,0001115
Sonata Finance158,20022,724,0003117
Spandana533,400147,240,0002115
Suryoday78,60014,713,0003115
SVCL118,20018,886,0001115
Swadhaar92,80017,166,0003115
Trident68,7008,852,0001115
Ujjivan913,300160,848,0005115
Utkarsh168,60025,915,0003115
VFS175,40019,264,0002115
Asomi50,3004,743,0002148
AES India3,600286,0001148
Arth2,900611,0002148
Asomi50,3004,743,0002148
Barasat GS1,10099,508.021148
BJS6,000468,0001148
Cashpor417,00050,452,0001147
Credible10,0001,669,540.362148
DIBAKAR1,800145,0001147
GOF65,2005,388,0004147
Hope62,6004,407,0001145
Jaago2,700237,0001146
LOK4,900573,0001147
Nano25,6003,660,0002148
NBSAAVS28,1002,821,0001145
Nirantara8,200917,0002147
Parama7,100482,0001147
Pragathi26,2004,579,0006147
PWMACS36,5005,946,0001147
Saadhana90,90012,046,0002147
Sambhav1,500183,0003147
Seba Rahara6,700468,0001147
SU61,1005,498,0001147
Swayanshree7,900918,0002147
Vikas Samiti1,600168,0001147
Vistaar4,3001,157,0002145
We The People1,100244,0002147
WEMCS1,10085,0001147
Yukti1,10099,0002147
Caps / Zoom options
Key Statistics
# Samples:
# 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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