MiCrédito S.A. Patkaia ba latwan kapri bara Nikaragua ba wina
MiCrédito Sociedad Anónima (MiCrédito S.A.) ba Nikaragua luhpia daiura, dahra pruan latwan kaia ba wark kaia. SIBOIF (Superintendencia de Bancos y Otras Instituciones Financieras) dukiara 2011 yari 15 aprli ba wina 104-SA-2011 namba takan. Baha patkaia ba 2011 yari takan, bara praivet mani wina kaia. Baha mani wina kaia ba Grupo InverCapital (55% mani), ACME Microfinance Holdings, Ltd. (30% mani), bara Nikaragua pipil wan (15% mani) wina kaia.
MiCrédito ba pipil wan bara sirpi bisnes latwan wan dukiara dahra pruan wan, kolateral piara dahra wan mai prakaia. Baha wark kaia ba Nikaragua tawn luhpia wan, bara tawni bara tawi luhpia wan wark kaia. Baha dahra wan dimaia ba sirpi mani wina wark kaia pipil wan, latwan piara wark kaia pipil wan, bara tawi wimen kooperatif wan, baha wan mani yukuia mai takan wan dukiara.
Baha patkaia luhpia wan ba Carlos Hernández (CEO, 2018 yari wina), María López (COO, 2019 yari wina), Dr. Andrés Gómez (CRO, 2020 yari wina), bara Patricia Ruiz (Digital Products Head, 2022 yari wina) kaia. Baha wan ba patkaia ba dahra pruan dimaia wark kaia ba ra lakaia dimaia.
Dahra pruan wan, dahra taks wan, bara dahra yukuia latwan wan
MiCrédito S.A. ba dusa dahra pruan wan mai prakaia, Nikaragua pipil wan dukiara. Baha dahra pruan wan ba:
- Dahra pruan wan luhpia: Baha dahra wan ba wark kaia mani dukiara, or mai takan latwan dukiara. Mani ba 3,000 wina 50,000 Nikaragua Kordoba (NIO) ba wina kaia, baha ba $85 wina $1,420 Dola ba wina kaia.
- Bisnes dahra pruan wan: Baha dahra wan ba ro mani, stoka, or wark kaia latwan wan dukiara. Mani ba 10,000 wina 100,000 NIO ba wina kaia, baha ba $285 wina $2,850 Dola ba wina kaia.
- Gruup dahra pruan wan: Baha dahra wan ba 10 pipil ba wina yuaya dahra pruan kaia. Mani ba wan pipil dukiara 2,000 wina 20,000 NIO ($57 wina $570 Dola) ba wina kaia.
- Agrikoltura dahra pruan wan (unverified): Tawi wark kaia pipil wan dukiara.
Dahra taks wan ba: Dahra pruan wan luhpia dukiara 2.0% wina 2.5% wan mani (26.8% wina 34% APR); Bisnes dahra wan dukiara 1.8% wina 2.2% wan mani (23.6% wina 29% APR); Gruup dahra wan dukiara 2.3% wan mani (31% APR) kaia. Baha taks wan ba dahra mani bara pipil dahra dimaia latwan dukiara dusa kaia.
Dahra pisaia taim ba 6 wina 24 wan mani kaia, bara wan mani wan mani dahra pisaia kaia. Wan mani wina wan mani wina 30 dei dahra pisaia taim piara kaia (dusa dahra wan dukiara). Taks wan ba: Yukuia taks ba 1.5% dahra mani wina kaia; Wark kaia taks ba 200 NIO ($5.70 Dola) kaia; Late dahra taks ba wan mani 5% dahra piara mani wina kaia; Insurans taks ba 0.5% dahra mani wina kaia.
Dahra pruan wan kolateral ba sirpi latwan wan or anml wan dukiara. 10,000 NIO ($285 Dola) wina sirpi dahra wan dukiara kolateral piara kaia. Dahra yukuia latwan ba mobile app, website (www.micredito.com.ni), bara 12 brans (tawn luhpia 10, tawi luhpia 2) ba wina kaia. Pipil wan aidi, sirpi mani wina dimaia latwan wan, bara aisi wan mai prakaia. Dahra yukuia wark kaia ba 24 wina 48 awa ba wina takan. Mani pisaia ba bank wina, mobile mani wina (EnZona), or brans ba wina mani laya kaia.
Mobile app ba, tehnologia ba, latwan kaia ba, bara market dimaia ba
MiCrédito S.A. ba mobile app (iOS App Store 4.2/5, Android Google Play 4.0/5) wan mai prakaia. Baha app ba dahra kalkuleta, digital aidi dimaia, dahra pisaia taim dimaia, bara chat saport wan latwan kaia. Wan mani wina 15,000 pipil app ba wark kaia. Website ba wan mani wina 25,000 pipil yuaya, bara soshal midia ba 18,000 pipil feisbuk ba ra yuaya, WhatsApp Bisnes ba saport dukiara wark kaia.
Patkaia ba 12 brans wan (Managua, León, Granada, Matagalpa, Jinotega, Bluefields, bara dusa wan) bara 45 eiyent wan tawi luhpia wan ba ra latwan kaia. Wan dusa 28,000 kliant wan latwan kaia, baha wan ba 65% wimen wan, 32 yari ba wina, bara 70% sirpi bisnes wark kaia pipil wan kaia.
MiCrédito ba SIBOIF wina lisen latwan kaia, bara Nikaragua Sentral Bank luhpia latwan kaia. Baha patkaia ba Anti-Mani Londering (AML) latwan kaia, bara kliant wan dukiara dahra pruan latwan wan, bara dahra pisaia teibul wan raklan wan dimaia. 2024 yari dukiara latwan piara taks piara kaia; 2022 yari dahra dimaia latwan ba late wan dukiara 50,000 NIO sirpi taks laya takan.
MiCrédito ba Nikaragua dahra pruan market ba wina 12% ($40 milyun Dola) dimaia. Baha dusa patkaia wan ba Financiera FDL, Caja Rural Nacional, bara BAC Credomatic (microfinance arm) kaia. MiCrédito ba digital wark kaia latwan, dahra dimaia wark kaia latwan, bara wimen wan dukiara dahra pruan wan mai prakaia. 2019 wina 2024 yari dahra pruan mani ba 18% lakaia. Baha patkaia ba 2026 yari tawi luhpia 3 brans wan lakaia, bara digital seving mani latwan wan dimaia.
Kliant dukiara patkaia ba, bara yu takan latwan wan
Kliant wan MiCrédito app ba dukiara dusa yu yulki. App Store ba ra 4.2/5 staa wina 1,200 yu yulki (yungka: wark kaia ba sirpi; piara: app ba mayun sa takan). Google Play ba ra 4.0/5 staa wina 950 yu yulki (yungka: digital aidi dimaia latwan; piara: mani pisaia ba late takan). Mani pisaia ba bank wina late takan, late dahra taks wan ba krikaia, bara wikend ba ra kliant saport taim piara takan.
Kliant saport ba chat wina 3 awa ba wina riplai takan; imeil wina 1 wark dei ba wina riplai takan. NPS (Net Promoter Score) ba +42 kaia, baha ba kliant wan lakaia kaia dimaia. MiCrédito ba "Wimen Empowered" Programa ba ra 500 wimen bisnes wark kaia pipil wan dahra yukuia takan. Baha wimen wan bisnes mani ba 25% lakaia takan 6 wan mani ba wina.
Nikaragua pipil wan dukiara yu takan latwan wan:
- Dahra taks wan dimaia: Dahra pruan wan dimaia latwan kaia ba dahra taks wan, bara dusa taks wan raklan kaia. Baha taks wan ba pruan taim raklan kaia.
- Dahra pisaia latwan: Dahra pruan wan mai prakaia ba dahra pisaia latwan raklan kaia. Dahra pisaia ba dimaia latwan piara dahra yukuia piara.
- Late dahra taks wan: Late dahra taks wan ba wark kaia latwan kaia ba raklan kaia. Dahra late takan ba dusa taks wan laya takan.
- App ba wark kaia: Mobile app ba dahra kalkuleta, dahra pisaia taim dimaia, bara kliant saport wan dukiara wark kaia.
- Saport yuaya: Mani pisaia ba late takan or dusa latwan wan dukiara kliant saport ba ra yuaya.
- Dusa patkaia wan dimaia: MiCrédito ba dusa patkaia wan dusa dimaia, baha ba Nikaragua luhpia dusa dahra pruan wan kaia.
MiCrédito S.A. Dahra yukuia patkaia ba
2024 yari MiCrédito ba 32 milyun NIO ($910 mil Dola) mani laya takan, bara 4.8 milyun NIO ($137 mil Dola) klin mani laya takan. Dahra pruan mani wina 15% klin mani laya takan. 2018 yari ACME Holdings wina $2 milyun Dola mani laya takan, bara 2021 yari IFC wina $5 milyun Dola dahra yukuia mani laya takan. Patkaia ba 300 milyun NIO ($8.5 milyun Dola) dahra pruan mani latwan kaia. PAR>30 dei ba 4.5% kaia, bara wan yari wina 1.2% dahra piara takan.
MiCrédito ba risku dimaia wark kaia latwan kaia, baha ba 2% dahra pruan mani dukiara risku mani laya. Wan mani wina 3 taim risku dimaia wark kaia, baha ba mani or reni takan dukiara risku wan dimaia.
