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

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 Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.bancosol.com.bo/
Year established1992
Head of InstitutionRaul Cabrera
Regions activeBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
# Branches95

Total Portfolio (nat'l)BOB 5,819,300,002
Total Portfolio (USD)USD 862,118,518.80
Active clients with loans215,313
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsASOFIN (Asociación de Entidades Financieras Especializadas en Micro Finanzas de Bolivia), ASOBAN (Asociación de Bancos Privados de Bolivia )
Funders

Loan Products » Summary

1000 TF BOB
8,775 Borrowers
USD 7,127,396.91 Portfolio
Active Product
DPF TF BOB
339 Borrowers
USD 675,156.97 Portfolio
Active Product
SolEf TF BOB
24,958 Borrowers
USD 87,466,688.74 Portfolio
Active Product
SolEF TF USD
84 Borrowers
USD 173,698.23 Portfolio
Active Product
Soliv TF BOB
107,618 Borrowers
USD 371,215,221.60 Portfolio
Active Product
Soliv TF USD
1,157 Borrowers
USD 3,262,772.23 Portfolio
Active Product
Soliv TV BOB
5,329 Borrowers
USD 79,521,656.33 Portfolio
Active Product
Soliv TV USD
1,416 Borrowers
USD 20,578,441.48 Portfolio
Active Product
Veh TV USD
50 Borrowers
USD 612,841.02 Portfolio
Active Product
Viv TF BOB
16,804 Borrowers
USD 61,573,163.69 Portfolio
Active Product
Viv TF USD
319 Borrowers
USD 974,891.51 Portfolio
Active Product
Viv TV USD
932 Borrowers
USD 15,323,772.46 Portfolio
Active Product
Viv TV BOB
1,084 Borrowers
USD 17,135,541.88 Portfolio
Active Product
Veh TV BOB
76 Borrowers
USD 1,169,598.22 Portfolio
Active Product
Prod TF BOB
40,631 Borrowers
USD 146,862,815.70 Portfolio
Active Product
Prod TF USD
61 Borrowers
USD 266,721.72 Portfolio
Active Product
Prod TV BOB
1,315 Borrowers
USD 19,760,309.99 Portfolio
Active Product
Prod TV USD
80 Borrowers
USD 1,255,840.63 Portfolio
Active Product
Agro TF BOB
3,480 Borrowers
USD 16,581,077.04 Portfolio
Active Product
Agro TV BOB
172 Borrowers
USD 2,694,541.22 Portfolio
Active Product
Effe TV BOB
502 Borrowers
USD 6,220,263.68 Portfolio
Active Product
1000 TF USD
17 Borrowers
USD 16,346.55 Portfolio
Low Volume Product
DPF TF USD
19 Borrowers
USD 65,508.65 Portfolio
Low Volume Product
SolEF TV USD
21 Borrowers
USD 126,708.56 Portfolio
Low Volume Product
Veh TF BOB
17 Borrowers
USD 132,410.82 Portfolio
Low Volume Product
Veh TF USD
1 Borrowers
USD 16,451.37 Portfolio
Low Volume Product
Agro TF USD
14 Borrowers
USD 81,226.55 Portfolio
Low Volume Product
Agro TV USD
11 Borrowers
USD 162,279.72 Portfolio
Low Volume Product
DPF TV BOB
26 Borrowers
USD 316,194.24 Portfolio
Low Volume Product
DPF TV USD
5 Borrowers
USD 48,789.70 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
Sol 1000 (Tasa Fija) BOB 400 - 16,000 3 - 24 60% - 80% 80% - 100% Business Women, Men, Have business Credit Ins
Sol DPF (Tasa Fija, BOB) BOB 400 - 80,000 3 - 36 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker, Clientes con DPFs propios del Banco Credit Ins
Sol Efectivo (Tasa Fija) BOB 400 - 80,000 3 - 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker Credit Ins
Sol Efectivo (Tasa Fija, USD) USD 50 - 10,000 3 - 36 40% - 60% 60% - 80% Any Purpose Women, Men, Have business, Salaried worker Credit Ins
Sol Individual (Tasa Fija) BOB 400 - 95,000 3 - 60 40% - 60% 80% - 100% Business Women, Men, Have business Credit Ins
Sol Individual (Tasa Fija, USD) USD 50 - 10,000 3 - 36 40% - 60% 60% - 80% Business Women, Men, Have business Credit Ins
Sol Individual (Tasa Variable) BOB 400 - 2,000,000 37 - 120 20% - 40% 80% - 100% Business Women, Men, Have business Credit Ins
Sol Individual (Tasa Variable, USD) USD 50 - 250,000 37 - 120 20% - 40% 80% - 100% Business Women, Men, Have business Credit Ins
Sol Vehículo (Tasa Variable, USD) USD 6,000 - 50,000 37 - 60 20% - 40% 80% - 100% Activo Fijo Women, Men, Have business, Salaried worker Credit Ins
Sol Vivienda (Tasa Fija, BOB) BOB 400 - 200,000 3 - 60 40% - 60% 80% - 100% Housing, Compra de vivienda, terreno, construcción, Refacción, remodelación, ampliación, etc. Women, Men, Have business, Salaried worker Credit Ins
Sol Vivienda (Tasa Fija, USD) USD 50 - 25,000 3 - 60 40% - 60% 80% - 100% Housing, Compra de vivienda, terreno, construcción, Refacción, remodelación, ampliación, etc. Women, Men, Have business, Salaried worker Credit Ins
Sol Vivienda (Tasa Variable, USD) USD 50 - 150,000 37 - 180 40% - 60% 80% - 100% Housing, Compra de vivienda, terreno, construcción, Refacción, remodelación, ampliación, etc. Women, Men, Have business, Salaried worker Credit Ins
Sol Vivienda (Tasa Variable, BOB) BOB 400 - 1,200,000 37 - 180 20% - 40% 80% - 100% Housing, Compra de vivienda, terreno, construcción, Refacción, remodelación, ampliación, etc. Women, Men, Have business, Salaried worker Credit Ins
Sol Vehiculo (Tasa Variable, BOB) BOB 48,000 - 400,000 37 - 60 20% - 40% 80% - 100% Activo Fijo Women, Men, Have business, Salaried worker Credit Ins
Sol Productivo (Tasa Fija, BOB) BOB 400 - 80,000 3 - 60 20% - 40% 80% - 100% Business Women, Men, Have business Credit Ins
Sol Productivo (Tasa Fija, USD) USD 50 - 10,000 3 - 36 20% - 40% 60% - 80% Business Women, Men, Have business Credit Ins
Sol Productivo (Tasa Variable, BOB) BOB 400 - 2,000,000 37 - 120 20% - 40% 80% - 100% Business Women, Men, Have business Credit Ins
Sol Productivo (Tasa Variable, USD) USD 50 - 250,000 37 - 120 20% - 40% 60% - 80% Business Women, Men, Have business Credit Ins
Sol Agropecuario (Tasa Fija, BOB) BOB 400 - 80,000 3 - 60 20% - 40% 40% - 60% Agriculture Women, Men, Have business Credit Ins
Sol Agropecuario (Tasa Variable, BOB) BOB 400 - 2,000,000 37 - 120 20% - 40% 40% - 60% Agriculture Women, Men, Have business Credit Ins
Sol Effectivo (Tasa Variable, BOB) BOB 400 - 160,000 37 - 60 20% - 40% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Sol 1000 (Tasa Fija) 23.0% annual, Decl Bal 0 Fees 0 Ins None N/A 22.9% - 23.1% 22.9% - 23.1% 100
Sol DPF (Tasa Fija, BOB) 5.3%-8.0% annual, Decl Bal 0 Fees 0 Ins None 100.0% upfront 7.8% 0% 100
Sol Efectivo (Tasa Fija) 18.0%-18.5% annual, Decl Bal 0 Fees 0 Ins None N/A 18% - 18.1% 18% - 18.1% 99
Sol Efectivo (Tasa Fija, USD) 21.0%-28.5% annual, Decl Bal 0 Fees 0 Ins None N/A 21% - 28% 21% - 28% 84
Sol Individual (Tasa Fija) 17.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 17.1% - 21.1% 17.1% - 21.1% 90
Sol Individual (Tasa Fija, USD) 18.0%-24.5% annual, Decl Bal 0 Fees 0 Ins None N/A 18.6% - 24.5% 18.6% - 24.5% 83
Sol Individual (Tasa Variable) 10.0%-17.0% annual, Decl Bal 0 Fees 0 Ins None N/A 12.9% - 17.1% 12.9% - 17.1% 70
Sol Individual (Tasa Variable, USD) 11.0%-18.5% annual, Decl Bal 0 Fees 0 Ins None N/A 12.3% - 17.8% 12.3% - 17.8% 74
Sol Vehículo (Tasa Variable, USD) 8.0%-10.0% annual, Decl Bal 0 Fees 0 Ins None N/A 8.7% - 9.5% 8.7% - 9.5% 88
Sol Vivienda (Tasa Fija, BOB) 17.0%-24.5% annual, Decl Bal 0 Fees 0 Ins None N/A 17.1% - 23.1% 17.1% - 23.1% 82
Sol Vivienda (Tasa Fija, USD) 18.0%-25.5% annual, Decl Bal 0 Fees 0 Ins None N/A 18.4% - 24.5% 18.4% - 24.5% 87
Sol Vivienda (Tasa Variable, USD) 10.0%-18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 11.3% - 17.6% 11.3% - 17.6% 77
Sol Vivienda (Tasa Variable, BOB) 10.0%-17.0% annual, Decl Bal 0 Fees 0 Ins None N/A 10.9% - 16.2% 10.9% - 16.2% 73
Sol Vehiculo (Tasa Variable, BOB) 8.0%-10.0% annual, Decl Bal 0 Fees 0 Ins None N/A 8% - 9.9% 8% - 9.9% 87
Sol Productivo (Tasa Fija, BOB) 14.5%-21.5% annual, Decl Bal 0 Fees 0 Ins None N/A 14.4% - 19.1% 14.4% - 19.1% 85
Sol Productivo (Tasa Fija, USD) 15.5%-22.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16.6% - 21.8% 16.6% - 21.8% 84
Sol Productivo (Tasa Variable, BOB) 8.5%-15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 10.8% - 13.1% 10.8% - 13.1% 70
Sol Productivo (Tasa Variable, USD) 9.5%-16.5% annual, Decl Bal 0 Fees 0 Ins None N/A 11.3% - 16.4% 11.3% - 16.4% 72
Sol Agropecuario (Tasa Fija, BOB) 13.0%-20.0% annual, Decl Bal 0 Fees 0 Ins None N/A 13.1% - 19.6% 13.1% - 19.6% 81
Sol Agropecuario (Tasa Variable, BOB) 7.0%-13.5% annual, Decl Bal 0 Fees 0 Ins None N/A 8% - 13.4% 8% - 13.4% 66
Sol Effectivo (Tasa Variable, BOB) 12.0%-18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 15.3% - 17.8% 15.3% - 17.8% 74
Institution Price Graph
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  2. Hofokam
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

Institution

Hofokam Ltd Head OfficeFort Portal, Western UgandaPO Box 228
Data approved: 2012-07-24
Data version: 2
Age of data: 144 months
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Product

Solidarity Group Loan Product 5 of 6 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 350,329,877
Portfolio (USD)USD 138,744.51
Active Clients with Loans1,278
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group consists of 5-10 members. Loan given to individual members managed by the group all guranteeing each other
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loanx
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other training
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 group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveWestern

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 200,000
Maximum loan size500,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,000100%
UGX 1,000,000-5,000,0000
UGX 5,000,000-7,500,0000
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months40%
Between 7 and 9 months50%
Between 10 and 12 months10%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
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
DescriptionLife Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20,000
Fixed amount - max20,000
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?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
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

Full Pricing Data

Solidarity Group Loan samples
Sample 1Sample 2Sample 3
Loan AmountUGX 300,000UGX 450,000UGX 500,000
Loan Cycle (1, 2, 3, etc)147
Disbursement Date2012-09-172012-09-172012-07-23
Loan Term (Months)6.0 months6.0 months4.1 months
Grace Period (Months)1.0 month1.0 month1.0 month
Total Cost of CreditUGX 80,000UGX 110,000UGX 90,000
True Price by Comp     
Interest price component58.0%58.0%54.4%
Fee Component7.3%7.3%9.8%
Insurance Component25.6%16.8%20.4%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)90.9%82.1%84.6%
Transparency Index404443
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Solidarity Group Loan Price Graphs


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# Countries
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Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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