BANCO D-MIRO S.A. - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 137 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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

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Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda

Data approved: 2012-11-14

Data version: 2

Age of data: 137 months

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Institution Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.d-miro.org/
Year established	2010
Head of Institution	Carlos Egas Guerra
Regions active
# Branches	14

Total Portfolio (nat'l)	USD 33,162,498
Total Portfolio (USD)	USD 33,162,498
Active clients with loans	37,455
Approximate % female clients	40% - 60%
Approximate % urban clients	80% - 100%
Network affiliations	Red Financiera Rural
Funders	Pettelaar Effectenbewaarbedrijf N.V. - SNS, Triple Jump, Microvest Fund, Credit Suisse Microfinance Fund Management Company

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	Yes
Website address	http://www.ugafode.co.ug/
Year established	1995
Head of Institution	Twamuhabwa Wilson
Regions active	Central, Western
# Branches	12

Total Portfolio (nat'l)	UGX 11,801,115,327
Total Portfolio (USD)	USD 4,720,446.13
Active clients with loans	8,197
Approximate % female clients	20% - 40%
Approximate % urban clients	0% - 20%
Network affiliations	AMFIU
Funders	Oikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust

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 » Summary

Agric Ln

1,452 Borrowers

USD 809,842 Portfolio

Active Product

Asset Acq

358 Borrowers

USD 308,906 Portfolio

Active Product

Flex Housing

274 Borrowers

USD 148,296 Portfolio

Active Product

McroBus. Idv

2,929 Borrowers

USD 1,264,046 Portfolio

Active Product

Mcro Mrtg

202 Borrowers

USD 311,664 Portfolio

Active Product

SME Ln

205 Borrowers

USD 1,004,977 Portfolio

Active Product

Smll Bsns

158 Borrowers

USD 309,496 Portfolio

Active Product

School Fees

126 Borrowers

USD 38,589 Portfolio

Active Product

McroBus. Grp

2,360 Borrowers

USD 340,558 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
Agricultural Loan	UGX 100,000 - 23,000,000	3 - 36	0% - 20%	0% - 20%	Business, Other, Agricultural production, marketing, processing, trading, cattle trading, poultry, etc.	Women, Men, Have business, Specific age group, Collateral like land, motor vehicle, cattle required	Credit Ins
Asset Acquisition Loan	UGX 100,000 - 10,000,000	3 - 36	0% - 20%	40% - 60%	Consumer, Other, Acquire Business or Personal Assets	Women, Men, Have business, Salaried worker, Must have reliable source of income., The asset becomes part of loan security	Credit Ins
Flexible Housing Loan	UGX 200,000 - 3,000,000	3 - 24	0% - 20%	20% - 40%	Housing	Women, Men, Have business, Have home or land, Salaried worker	Credit Ins
Micro Business Individual Loan	UGX 100,000 - 5,000,000	3 - 24	20% - 40%	20% - 40%	Business	Women, Men, Have business, Business must least 3 months old, Must have security.	Credit Ins
Micro Mortgage Loan	UGX 500,000 - 23,000,000	3 - 36	20% - 40%	20% - 40%	Housing, Other, Land acquisition	Women, Men, Have business, Salaried worker	Credit Ins
Small & Medium Enterprise Loan	UGX 10,000,000 - 23,000,000	3 - 36	20% - 40%	40% - 60%	Business, Other, Business Assets, Construction	Women, Men, Have business, Have home or land, Must have a registered security, e.g. land title	Credit Ins
Small Business Loan	UGX 5,000,000 - 10,000,000	3 - 24	20% - 40%	40% - 60%	Business, Other, Acquire Business Assets	Women, Men, Have business, Fixed Security, i.e. land required	Credit Ins
School Fees Loan	UGX 100,000 - 5,000,000	3 - 24	40% - 60%	20% - 40%	Education	Women, Men, Have business, Salaried worker	Credit Ins
Micro Business Group Loan	UGX 100,000 - 5,000,000	3 - 24	40% - 60%	0% - 20%	Business	Women, Men, Have business	Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Crédito Asalariado	15.2% annual, Decl Bal	1 Fee	None	N/A	15.4%	28.2% - 29.3%	53
Grupo Solidario	26.9% annual, Decl Bal	1 Fee	None	N/A	27.3%	40.2% - 41.6%	65
Jovénes Emprendedores	26.9% annual, Decl Bal	1 Fee	None	N/A	27.3%	39.4% - 40.5%	67
Microcrédito Individual	22.9%-26.9% annual, Decl Bal	1 Fee	None	N/A	24.9% - 27.3%	37.5% - 39.7%	59
Microcrédito Individual Vida	22.9%-26.9% annual, Decl Bal	0 Fees	None	N/A	27.3%	27.3%	84
Microcrédito Preferencial	21.0%-24.5% annual, Decl Bal	1 Fee	None	N/A	21.3% - 23.3%	24.6% - 26.9%	80
Microcrédito Triangular	26.9% annual, Decl Bal	1 Fee	None	N/A	27.3%	39.5% - 41.6%	66
Microcrédito Vivienda	22.9%-26.9% annual, Decl Bal	1 Fee	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
Agricultural Loan	30.00% annual, Decl Bal	2 Fees	1 Ins	None	N/A	40.5% - 46.5%	42.2% - 49.7%	65
Asset Acquisition Loan	30.00% annual, Flat	2 Fees	1 Ins	None	N/A	54.9% - 65%	56.7% - 68.7%	50
Flexible Housing Loan	24.00% annual, Flat	2 Fees	1 Ins	None	N/A	59.6% - 63.9%	60.8% - 65.9%	37
Micro Business Individual Loan	36.00% annual, Flat	2 Fees	1 Ins	None	N/A	63.1% - 69.9%	65.2% - 73.1%	52
Micro Mortgage Loan	30.00% annual, Decl Bal	2 Fees	1 Ins	None	N/A	31.1% - 35.5%	32.3% - 37.9%	86
Small & Medium Enterprise Loan	30.00% annual, Decl Bal	2 Fees	1 Ins	None	N/A	28.3% - 33.8%	31.3% - 35.5%	88
Small Business Loan	30.00% annual, Flat	2 Fees	1 Ins	None	N/A	55% - 55.1%	56.7% - 56.9%	52
School Fees Loan	30.00% annual, Flat	2 Fees	1 Ins	None	N/A	57.7% - 73.5%	60.8% - 78%	45
Micro Business Group Loan	36.00% annual, Flat	2 Fees	1 Ins	None	10.00% upfront	65.7% - 80.6%	80.2% - 99.8%	41

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 » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan	30.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	40.5% - 46.5%	42.2% - 49.7%	65
Asset Acquisition Loan	30.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	54.9% - 65%	56.7% - 68.7%	50
Flexible Housing Loan	24.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	59.6% - 63.9%	60.8% - 65.9%	37
Micro Business Individual Loan	36.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	63.1% - 69.9%	65.2% - 73.1%	52
Micro Mortgage Loan	30.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	31.1% - 35.5%	32.3% - 37.9%	86
Small & Medium Enterprise Loan	30.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	28.3% - 33.8%	31.3% - 35.5%	88
Small Business Loan	30.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	55% - 55.1%	56.7% - 56.9%	52
School Fees Loan	30.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	57.7% - 73.5%	60.8% - 78%	45
Micro Business Group Loan	36.00% annual, Flat	2 Fees	1 Ins Ins	None	10.00% upfront	65.7% - 80.6%	80.2% - 99.8%	41

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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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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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