- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
KBL	468,300	120,082,000	16	111
KF	233,600	41,416,000	4	110
NRSP	399,900	70,157,000	3	111
ASA	230,400	29,637,000	3	111
TMFB	221,200	85,449,000	7	111
FMFB	163,544	38,481,323	9	129
TRDP	100,000	13,817,000	3	111
PRSP	75,656	9,907,176	3	129
BRAC^P	57,300	11,869,000	3	111
SRSO	51,100	7,775,000	3	111
SSF	46,000	4,776,000	3	111
FINCA	82,000	43,559,000	9	111
JWS	36,000	6,545,000	2	111
RCDS	35,552	4,856,122	4	129
DAMEN	35,185	7,150,864	1	129
FFO	22,400	3,335,000	3	111
OLP	21,400	3,510,000	3	111
CSC	17,600	3,147,000	1	111
AMRDO	13,800	1,206,000	5	111
WMBL	13,800	6,105,000	3	111
Mojaz	13,400	2,415,000	2	111
SDF	11,500	1,041,000	4	111
POMFB	8,500	2,795,000	4	111
OPD	7,500	918,000	2	111
AGAHE	7,300	797,000	2	111
NRDP	6,184	1,521,972	3	129
GBTI	6,100	669,000	3	129
WASIL	4,300	1,135,000	2	111
Micro Options	4,000	768,000	5	111
VDO	3,900	489,000	3	129
SVDP	3,900	811,000	13	129
SRDO	3,500	766,000	4	111
OSDI	2,000	923,000	3	111
APMBL	1,800	1,401,000	3	111
BEDF	1,400	209,000	3	129
KCDO	800	94,000	1	129

Please note that the information you are viewing is 161 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: 161 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (USD)	USD 1,535,932.83
Portfolio (USD)	USD 1,535,932.83
Active Clients with Loans	1,848
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Crédito destinado a trabajadores en relación de dependencia, para Capital de trabajo, adquisición de activo fijos, construcción y reparación cuya fuente principal de pago la constituye el salario que recibe el solicitante para respaldar el crédito\r

Loan Purpose

Any purpose	x
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance	x
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business
Must own a home or land
Must be a salaried worker	x
Must be specific age group
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 600
Maximum loan size	2,000

Loan Term and Grace Period

Shortest loan term	10.0 months
Longest loan term	12.0 months
Approx average	12.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	15.20%
Highest quoted nominal interest	15.20%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

This product has no upfront fees

Ongoing Fees

	Fee 1
Description	Servicio de proteccio familiar en caso de fallecimiento del titular o conyuge, incapacidad total y permanente
% of loan amount - min	0.60%
% of loan amount - max	0.60%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Additional Comments

La tasa que cobramos por el servicio de protección familiar es de .595% mensual sobre el monto original del préstamo

Full Pricing Data

Crédito Asalariado samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	USD 999.79	USD 1,096.01	USD 1,884.43	USD 2,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2010-10-06	2010-10-21	2010-10-08	2010-10-30
Loan Term (Months)	12.0 months	12.0 months	18.0 months	15.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	15.4%	15.4%	15.4%	15.4%
Insurance Component	13.9%	12.8%	13.2%	13.3%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	29.3%	28.2%	28.6%	28.7%
Transparency Index	52	54	53	53

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

Crédito Asalariado Price Graphs

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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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
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By Inst Type


By Country

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