2. OISL
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. D^Miro
Please note that the information you are viewing is 168 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Opportunity International Savings & Loans Ltd. P.O Box JT 323, Accra, GhanaNo. D765/3 Kwame Nkrumah AvenueAccra, Greater Accra233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
Choose version

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: 168 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.opportunityghana.com/
Year established2004
Head of InstitutionCosmus Juma Kowuoche
Regions active0
# Branches20

Total Portfolio (nat'l)GHS 24,784,265
Total Portfolio (USD)USD 16,522,843.33
Active clients with loans41,836
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsOpportunity International USA
FundersOpportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

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

Agriculture
536 Borrowers
USD 79,274 Portfolio
Active Product
Family
59 Borrowers
USD 40,122 Portfolio
Active Product
Group
37,299 Borrowers
USD 11,763,077 Portfolio
Active Product
Individual
2,711 Borrowers
USD 3,000,532 Portfolio
Active Product
ISME
74 Borrowers
USD 337,021 Portfolio
Active Product
Susu
791 Borrowers
USD 685,319 Portfolio
Active Product

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
Agriculture Loan GHS 2,422 - 7,063 4 - 8 20% - 40% 0% - 20% Business, Farming Women, Men, Specific age group, Farmers Credit Educ
Salary Loan GHS 200 - 7,808 6 - 24 20% - 40% 0% - 20% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Group Loan GHS 145 - 4,000 3 - 12 80% - 100% 60% - 80% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan GHS 500 - 30,300 2 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins
ISME / Edufinance GHS 2,000 - 101,000 10 - 37 20% - 40% 80% - 100% Business, Education Women, Men, Have business Tech Asst Visits, Business Training
Susu Loan GHS 151 - 10,700 3 - 12 40% - 60% 0% - 20% Business Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training

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
Agriculture Loan 36.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 44.3% - 44.4% 52% - 52.1% 69
Salary Loan 0.0%-42.0% annual, Decl Bal 2 Fees 0 Ins None 10.0% upfront 45.5% - 49.1% 54.9% - 61.5% 0
Group Loan 41.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 56.7% - 122% 76.9% - 161.4% 32
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 73.7% - 77.5% 88.7% - 97.2% 45
ISME / Edufinance 33.2%-51.0% annual, Decl Bal 2 Fees 1 Ins None N/A 44.6% - 67.3% 46.3% - 69.4% 57
Susu Loan 33.2%-39.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 63.6% - 71.7% 77.8% - 89.1% 39

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 44.3% - 44.4% 52% - 52.1% 69
Salary Loan 0.0%-42.0% annual, Decl Bal 2 Fees 0 Ins Ins None 10.0% upfront 45.5% - 49.1% 54.9% - 61.5% 0
Group Loan 41.0% annual, Flat 2 Fees 1 Ins Ins None 15.0% upfront 56.7% - 122% 76.9% - 161.4% 32
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 73.7% - 77.5% 88.7% - 97.2% 45
ISME / Edufinance 33.2%-51.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 44.6% - 67.3% 46.3% - 69.4% 57
Susu Loan 33.2%-39.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 63.6% - 71.7% 77.8% - 89.1% 39

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
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeAnyBusinessMultipleLoan PurposeOISLInstitutionGH-036-V01-P01GH-036-V01-P03GH-036-V01-P04GH-036-V01-P05GH-036-V01-P06GH-036-V01-P07ProductGHCountry2011YearRange Number1Institution Data Version02,0004,0006,0008,00010,00012,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 11,0008,3005,5002,700300Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeAnyBusinessMultipleLoan PurposeD^MiroInstitutionEC-001-V01-P01EC-001-V01-P02EC-001-V01-P03EC-001-V01-P04EC-001-V01-P05EC-001-V01-P06EC-001-V01-P07EC-001-V01-P08ProductECCountry2011YearRange Number1Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 6,0004,5003,0001,500100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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 ∞