2. BancoSol
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
  2. Belstar
Please note that the information you are viewing is 118 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: 130 months
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Institution

Belstar Investment and Finance Private Limited 11 C, Rathinammal Street , Rangarajapuram, KodambakkamChennai, Tamilnadu600024
Data approved: 2014-09-22
Data version: 4
Age of data: 118 months
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Product

Sol Vehículo (Tasa Variable, USD) Product 14 of 30 « Prev | Next »

Product

Educational Loan Product 2 of 2 « Prev | Next »

Product Summary

Number borrowers50
Loan Amount (range)USD 6,000 - 50,000
Loan Term (range)37 - 60
Other Services (text summary)Credit Ins
Annual Interest & Method8.0%-10.0% 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)8.7% - 9.5%
Transparency Index (min/max)52 - 101
Transparency Index (average)88

Product Summary

5,485
INR 11,000 - 11,000
12
Credit Ins
25.0% annual, Decl Bal
1.00% upfront
63.00 upfront
12.36% fees
N/A
 
24.7% - 26.4%
1.0% - 1.8%
0.6% - 1.1%
0.2% - 0.4%
28.0%
84 - 94
89

Product Details

Key Statistics
Outstanding portfolio (USD)USD 612,841.02
Portfolio (USD)USD 612,841.02
Active Clients with Loans50
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito diseñado para financiar la compra de vehículos nuevos o usados para uso privado (personal).
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherActivo Fijo
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 workerx
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 (INR)INR 55,670,000
Portfolio (USD)USD 1,050,377.36
Active Clients with Loans5,485
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
Education Loan is provided to meet the Education expenses such as Tution Fees, Books, Uniform, Transportation Fees and other expenses of the childern of SHG Members
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
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
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Household income <60,000 INRx
Household income <120,000 INRx
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveKarnataka, Tamil Nadu, Puducherry

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 6,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5000
USD 1,500-5,0000
USD 5,000-10,00020%
USD 10,000-15,00030%
USD 15,000-18,00015%
Greater than USD 18,00015%
Loan Term and Grace Period
Shortest loan term37.0 months
Longest loan term60.0 months
Approx average59.0 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 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 11,000
Maximum loan size11,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,000100%
INR 15,000-25,0000
INR 25,000-35,0000
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
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 interest8.00%
Highest quoted nominal interest10.00%
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 interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN / A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min63
Fixed amount - max63
Reason for variationInsurance Premium varies depending on loan size & term.
Appears on Repayment Sched?Yes
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?Yes
Percentage of fees12.4%
All or some fees taxedAll

Full Pricing Data

Sol Vehículo (Tasa Variable, USD) samples
Sample 1Sample 2
Loan AmountUSD 13,520USD 18,500
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2013-05-152014-04-07
Loan Term (Months)61.0 months24.0 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditUSD 3,222.74USD 1,830.73
True Price by Comp   
Interest price component8.7%9.5%
Fee Component0.0%0.0%
Insurance Component0.0%0.0%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)8.7%9.5%
Transparency Index9285
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF

Full Pricing Data

Educational Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
MFIN MFI Earning (Annualised)
MFIN Cost to Borrower (Annualised)
Transparency Index
MFIN Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
INR 11,000 Generated 2015-03-01 12.0 months N/A INR 1,795.75 28.0% 24.7% 1.8% 1.1% 0.4% 0.0% 26.5% 28.0% 89 100 - PDF
INR 11,000 Generated 2015-03-01 12.0 months N/A INR 1,795.75 28.0% 24.7% 1.8% 1.1% 0.4% 0.0% 26.5% 28.0% 89 100 - PDF
INR 11,000 Generated 2015-03-01 12.0 months N/A INR 1,795.75 28.0% 24.7% 1.8% 1.1% 0.4% 0.0% 26.5% 28.0% 89 100 - PDF
INR 11,000 Generated 2015-03-01 12.0 months N/A INR 1,795.75 28.0% 24.7% 1.8% 1.1% 0.4% 0.0% 26.5% 28.0% 89 100 - PDF
* The APR stated here is an MFTransparency term, definition and formula
Sol Vehículo (Tasa Variable, USD) Price Graphs


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Educational Loan 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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