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

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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: 162 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

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
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	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

Institution Price Graph

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Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	137
AMPL	0	0	0	137
Arman	41,500	529,107,000	1	137
Arohan	43,500	8,091,000	2	137
ASA INDIA	164,000	15,380,000	1	137
Asirvad	113,500	19,328,000	1	137
Asmitha	1,114,800	217,867,000	1	137
Bandhan	4,048,600	674,564,000	5	137
Belstar	123,000	23,945,000	2	116
BSFL	275,200	31,590,000	3	137
Chaitanya	20,700	3,748,000	3	137
Disha Microfin	69,000	14,332,000	2	137
Equitas	1,220,000	186,415,000	4	137
ESAF	354,200	43,500,000	5	137
FFSL	150,600	35,719,000	2	137
Fusion	66,800	9,820,000	2	137
Grama Vidiyal	738,200	102,101,000	1	137
Grameen Koota	586,600	83,555,000	15	139
Janalakshmi	506,000	119,077,000	2	137
L & T Finance	399,800	37,199,000	1	137
MFL	331,800	49,083,000	1	137
MMFL	175,000	23,752,000	2	137
Mpower	13,600	2,263,000	2	137
Sahayata	0	0	0	137
Saija	24,700	4,682,000	2	137
Samasta	45,500	4,809,000	2	137
Satin	405,600	90,174,000	2	137
SCCI	115,600	15,910,000	2	137
Share	2,195,400	376,727,000	1	137
SKS	3,409,000	355,029,000	2	137
SMILE	360,200	56,927,000	1	137
SNFL	9,400	1,779,000	1	137
Sonata Finance	158,200	22,724,000	3	139
Spandana	533,400	147,240,000	2	137
Suryoday	78,600	14,713,000	3	137
SVCL	118,200	18,886,000	1	137
Swadhaar	92,800	17,166,000	3	137
Trident	68,700	8,852,000	1	137
Ujjivan	913,300	160,848,000	5	137
Utkarsh	168,600	25,915,000	3	137
VFS	175,400	19,264,000	2	137
Asomi	50,300	4,743,000	2	170
AES India	3,600	286,000	1	170
Arth	2,900	611,000	2	170
Asomi	50,300	4,743,000	2	170
Barasat GS	1,100	99,508.02	1	170
BJS	6,000	468,000	1	170
Cashpor	417,000	50,452,000	1	169
Credible	10,000	1,669,540.36	2	170
DIBAKAR	1,800	145,000	1	169
GOF	65,200	5,388,000	4	169
Hope	62,600	4,407,000	1	167
Jaago	2,700	237,000	1	168
LOK	4,900	573,000	1	169
Nano	25,600	3,660,000	2	170
NBSAAVS	28,100	2,821,000	1	167
Nirantara	8,200	917,000	2	169
Parama	7,100	482,000	1	169
Pragathi	26,200	4,579,000	6	169
PWMACS	36,500	5,946,000	1	169
Saadhana	90,900	12,046,000	2	169
Sambhav	1,500	183,000	3	169
Seba Rahara	6,700	468,000	1	169
SU	61,100	5,498,000	1	169
Swayanshree	7,900	918,000	2	169
Vikas Samiti	1,600	168,000	1	169
Vistaar	4,300	1,157,000	2	167
We The People	1,100	244,000	2	169
WEMCS	1,100	85,000	1	169
Yukti	1,100	99,000	2	169

Key Statistics
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# 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 Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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