2. D^Miro
Please note that the information you are viewing is 163 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: 163 months

Product

Microcrédito Preferencial Product 6 of 9 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,463,939.66
Portfolio (USD)USD 1,463,939.66
Active Clients with Loans322
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Es todo crédito concedido a un prestatario, destinado a financiar actividades de pequeña escala de producción, comercialización o servicios.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 5,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average18.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest21.00%
Highest quoted nominal interest24.54%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionServicio de proteccio familiar en caso de fallecimiento del titular o conyuge, incapacidad total y permanente
% of loan amount - min15.00%
% of loan amount - max15.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
La tasa que cobramos por el servicio de protección familiar es de .15% mensual sobre el monto original del préstamo

Full Pricing Data

Microcrédito Preferencial samples
Sample 1Sample 2Sample 3
Loan AmountUSD 7,500USD 8,000USD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-10-252010-10-202010-10-27
Loan Term (Months)20.0 months20.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component23.3%23.3%21.3%
Insurance Component3.2%3.6%3.3%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)26.5%26.9%24.6%
Transparency Index797885
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Microcrédito Preferencial Price Graphs


Click to view Price Analysis Tool
  2. Adok Timo
Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Adok Timo KisumuKenyaP.O. Box 3650
Data approved: 2010-09-12
Data version: 1
Age of data: 172 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.adoktimo.com/
Year established2005
Head of InstitutionMr. Samuel Okelo Deya
Regions active
# Branches22

Total Portfolio (nat'l)KES 48,695,870
Total Portfolio (USD)USD 588,114.37
Active clients with loans4,325
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

Agribusiness
260 Borrowers
USD 29,405.72 Portfolio
Active Product
Asset
865 Borrowers
USD 176,434.31 Portfolio
Active Product
Business
2,984 Borrowers
USD 352,868.62 Portfolio
Active Product
School Fee
173 Borrowers
USD 11,762.29 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agribusiness Loan KES 10,000 - 100,000 1 - 12 40% - 60% 0% - 20% Business Women, Men, Must be active in agricultural activities Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Asset Financing Loan KES 20,000 - 300,000 12 20% - 40% 20% - 40% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Business Loan KES 6,400 - 500,000 1 - 12 60% - 80% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
School Fees Loan KES 20,000 - 100,000 1 - 12 20% - 40% 20% - 40% Education Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agribusiness Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins None 25.0% upfront 29.4% - 31.4% 38.3% - 40.9% 49
Asset Financing Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins None 25.0% upfront 48.4% - 53% 79.9% - 87.8% 23
Business Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins None 25.0% upfront 46.2% - 55.3% 75.8% - 91.9% 23
School Fees Loan 19.2%-24.0% annual, Flat 1 Fee 1 Ins None 25.0% upfront 48.6% - 49.3% 80.6% - 81.4% 24
Institution Price Graph
Click to view Price Analysis Tool
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞