BancoSol S.A. - Sol Vivienda (Tasa Fija, BOB) - MFTransparency.org Truth In Lending Tables

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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: 125 months

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Product

Sol Vivienda (Tasa Fija, BOB) Product 15 of 30 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (BOB)	BOB 415,618,854.90
Portfolio (USD)	USD 61,573,163.69
Active Clients with Loans	16,804
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 la compra, construcción, refacción, remodelación, ampliación, mejora, anticrético, vivienda productiva y/o legalización de la vivienda

Loan Purpose

Any purpose
Income generation
Mortgage/housing	x
Consumer loan
Agriculture
Education
Other household finance
Other	Compra de vivienda, terreno, construcción
Other (2)	Refacción, remodelación, ampliación, etc.

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	x
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	9
# Regions for this product	9
Regions Active	Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount

Currency	BOB
Minimum loan size	BOB 400
Maximum loan size	200,000

Distribution at Disbursement (Est.)

Loans less than BOB 10,000	5%
BOB 10,000-40,000	60%
BOB 40,000-70,000	30%
BOB 70,000-100,000	5%
BOB 100,000-125,000	0
Greater than BOB 125,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	60.0 months
Approx average	40.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	5%
Between 13 and 18 months	5%
Longer than 18 months	90%

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	x
Quarterly	x
Every 6 months	x
Every 12 months	x
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	17.00%
Highest quoted nominal interest	24.50%
Reason(s) why interest rate varies	Loan Size, Collateral, Plazo
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

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 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?

Full Pricing Data

Sol Vivienda (Tasa Fija, BOB) samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	BOB 4,000	BOB 24,450	BOB 48,000	BOB 73,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-12-17	2013-06-25	2013-12-06	2013-08-23
Loan Term (Months)	7.0 months	38.0 months	17.0 months	25.0 months
Grace Period (Months)	0.5 months	0.3 months	0.2 months	0.3 months
Total Cost of Credit	BOB 307.52	BOB 7,360.27	BOB 8,999.54	BOB 17,788.78
True Price by Comp
Interest price component	22.6%	17.1%	23.1%	21.1%
Fee Component	0.0%	0.0%	0.0%	0.0%
Insurance Component	0.0%	0.0%	0.0%	0.0%
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)	22.6%	17.1%	23.1%	21.1%
Transparency Index	75	99	74	81

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

Sol Vivienda (Tasa Fija, BOB) Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	135
AMPL	0	0	0	135
Arman	41,500	529,107,000	1	135
Arohan	43,500	8,091,000	2	135
ASA INDIA	164,000	15,380,000	1	135
Asirvad	113,500	19,328,000	1	135
Asmitha	1,114,800	217,867,000	1	135
Bandhan	4,048,600	674,564,000	5	135
Belstar	123,000	23,945,000	2	113
BSFL	275,200	31,590,000	3	135
Chaitanya	20,700	3,748,000	3	135
Disha Microfin	69,000	14,332,000	2	135
Equitas	1,220,000	186,415,000	4	135
ESAF	354,200	43,500,000	5	135
FFSL	150,600	35,719,000	2	135
Fusion	66,800	9,820,000	2	135
Grama Vidiyal	738,200	102,101,000	1	135
Grameen Koota	586,600	83,555,000	15	137
Janalakshmi	506,000	119,077,000	2	135
L & T Finance	399,800	37,199,000	1	135
MFL	331,800	49,083,000	1	135
MMFL	175,000	23,752,000	2	135
Mpower	13,600	2,263,000	2	135
Sahayata	0	0	0	135
Saija	24,700	4,682,000	2	135
Samasta	45,500	4,809,000	2	135
Satin	405,600	90,174,000	2	135
SCCI	115,600	15,910,000	2	135
Share	2,195,400	376,727,000	1	135
SKS	3,409,000	355,029,000	2	135
SMILE	360,200	56,927,000	1	135
SNFL	9,400	1,779,000	1	135
Sonata Finance	158,200	22,724,000	3	137
Spandana	533,400	147,240,000	2	135
Suryoday	78,600	14,713,000	3	135
SVCL	118,200	18,886,000	1	135
Swadhaar	92,800	17,166,000	3	135
Trident	68,700	8,852,000	1	135
Ujjivan	913,300	160,848,000	5	135
Utkarsh	168,600	25,915,000	3	135
VFS	175,400	19,264,000	2	135
Asomi	50,300	4,743,000	2	167
AES India	3,600	286,000	1	167
Arth	2,900	611,000	2	167
Asomi	50,300	4,743,000	2	167
Barasat GS	1,100	99,508.02	1	167
BJS	6,000	468,000	1	167
Cashpor	417,000	50,452,000	1	166
Credible	10,000	1,669,540.36	2	167
DIBAKAR	1,800	145,000	1	166
GOF	65,200	5,388,000	4	166
Hope	62,600	4,407,000	1	164
Jaago	2,700	237,000	1	165
LOK	4,900	573,000	1	166
Nano	25,600	3,660,000	2	167
NBSAAVS	28,100	2,821,000	1	164
Nirantara	8,200	917,000	2	166
Parama	7,100	482,000	1	166
Pragathi	26,200	4,579,000	6	166
PWMACS	36,500	5,946,000	1	166
Saadhana	90,900	12,046,000	2	166
Sambhav	1,500	183,000	3	166
Seba Rahara	6,700	468,000	1	166
SU	61,100	5,498,000	1	166
Swayanshree	7,900	918,000	2	166
Vikas Samiti	1,600	168,000	1	166
Vistaar	4,300	1,157,000	2	164
We The People	1,100	244,000	2	166
WEMCS	1,100	85,000	1	166
Yukti	1,100	99,000	2	166

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
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Sol Vivienda (Tasa Fija, BOB) samples

Sol Vivienda (Tasa Fija, BOB) Price Graphs

Total Borrowers of Samples

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