2. BancoSol
Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. VF^Tanzania
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

BancoSol S.A. Calle Nicolás Acosta No. 289 esq. Cañada Strongest, MurilloLa Paz, Bolivia13176
Data approved: 2013-09-05
Data version: 2
Age of data: 131 months
Choose version

Institution

Vision Fund - Tanzania P.o.box 1546,Arusha TanzaniaArusha255
Data approved: 2014-04-01
Data version: 1
Age of data: 130 months

Product

Sol Individual (Tasa Variable) Product 10 of 30 « Prev | Next »

Product

Biashara Product 1 of 5 « Prev | Next »

Product Summary

Number borrowers5,329
Loan Amount (range)BOB 400 - 2,000,000
Loan Term (range)37 - 120
Other Services (text summary)Credit Ins
Annual Interest & Method10.0%-17.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component7.8% - 28.0%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)12.9% - 17.1%
Transparency Index (min/max)52 - 101
Transparency Index (average)70

Product Summary

27,425
TZS 50,000 - 10,000,000
6 - 12
Other Training
36.0% annual, Flat
2.00% upfront
0.50% upfront
None
10.0% upfront
 
45.2% - 59.1%
2.0% - 16.9%
1.8% - 7.5%
0
78.9% - 81.1%
32 - 86
45

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 536,771,180.20
Portfolio (USD)USD 79,521,656.33
Active Clients with Loans5,329
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos destinado al financiamiento de las necesidades de capital de inversión o capital de operación para actividades industriales, comerciales y de 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 institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 7,654,678,324
Portfolio (USD)USD 4,814,263.10
Active Clients with Loans27,425
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Biashara loan is a business loan provided to a group of six members and above. Loans are disbursed on in the range of TZS 50,000 to 400,000.
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 insurance
Workplace visits
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product12
Regions ActiveArusha, Dar es Salaam, Dodoma, Kagera, Kilimanjaro, Manyara, Morogoro, Mwanza, ShinyangaSingida, Tabora, Tanga

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 400
Maximum loan size2,000,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,0000
BOB 10,000-40,0005%
BOB 40,000-70,00010%
BOB 70,000-100,00030%
BOB 100,000-125,00030%
Greater than BOB 125,00030%
Loan Term and Grace Period
Shortest loan term37.0 months
Longest loan term120.0 months
Approx average56.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 monthsx
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 50,000
Maximum loan size10,000,000
Distribution at Disbursement (Est.)
Loans less than TZS 350,00060%
TZS 350,000-1,250,00015%
TZS 1,250,000-2,000,0005%
TZS 2,000,000-3,000,0005%
TZS 3,000,000-4,000,00010%
Greater than TZS 4,000,00010%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months60%
Between 7 and 9 months20%
Between 10 and 12 months20%
Between 13 and 18 months0
Longer than 18 months0
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 interest10.00%
Highest quoted nominal interest17.00%
Reason(s) why interest rate variesLoan Size, Collateral, Plazo
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
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

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesNo Variation
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionApplication Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsuarance
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
62% of Vision Fund Tanzania clients are female and 52% lives in urban areas.

Full Pricing Data

Sol Individual (Tasa Variable) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 45,000BOB 80,500BOB 102,900BOB 137,200
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-162013-10-282013-06-202013-11-22
Loan Term (Months)48.0 months58.0 months61.0 months61.0 months
Grace Period (Months)0.0 months0.2 months-0.2 months0.4 months
Total Cost of CreditBOB 11,710.26BOB 25,844.41BOB 37,227.42BOB 69,160.31
True Price by Comp       
Interest price component12.9%13.2%14.2%17.1%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)12.9%13.2%14.2%17.1%
Transparency Index77767059
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Biashara samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountTZS 2,000,000TZS 400,000TZS 1,100,000TZS 1,500,000TZS 1,300,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-02-182014-03-062014-03-072014-03-072014-03-17
Loan Term (Months)6.0 months6.0 months6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditTZS 410,000TZS 82,000TZS 225,500TZS 307,500TZS 266,500
True Price by Comp         
Interest price component59.1%57.6%57.6%57.6%57.6%
Fee Component7.4%7.2%7.2%7.2%7.2%
Insurance Component1.9%1.8%1.8%1.8%1.8%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component12.7%12.3%12.3%12.3%12.3%
Full APR (int fee ins tax dep)81.1%78.9%78.9%78.9%78.9%
Transparency Index4446464646
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Sol Individual (Tasa Variable) Price Graphs


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Biashara 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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