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. Y-SAVE
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

BancoSol S.A. Calle Nicolás Acosta Nº 289La Paz13176
Data approved: 2010-11-08
Data version: 1
Age of data: -   months 
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Institution

Y-Save Cooperative Savings and Credit Society Ltd. Block 661 Flat EBuganda Road FlatsKampala, CentralPO Box 37191
Data approved: 2012-11-06
Data version: 2
Age of data: 144 months
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Product

Sol Vehículo (Tasa Variable, USD) Product 14 of 17 « Prev | Next »

Product

Developmental Loan Product 1 of 1 « Prev | Next »

Product Summary

Number borrowers53
Loan Amount (range)USD 500 - 50,000
Loan Term (range)3 - 60
Other Services (text summary)Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen.
Annual Interest & Method10.3%-16.3% annual, Decl Bal
FeesNone
InsuranceNone
Tax15.00% Principal
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component0 (Int+Fee)
Insurance Component0
Tax Component Range0 - 3.0%
Full APR (int fee ins tax dep)0
Transparency Index (min/max)-159 - N/A
Transparency Index (average)N/A

Product Summary

208
UGX 200,000 - 30,000,000
1 - 60
Credit Educ, Tech Asst Visits, Business Training, Other Training, Financial management training
18.00% annual, Decl Bal
50,000 upfront
0.00%-1.00% upfront
None
N/A
 
17.8% - 17.9%
0.7% - 51.2%
1.0% - 5.5%
0
19.8% - 74.5%
24 - 91
56

Product Details

Key Statistics
Outstanding portfolio (USD)USD 619,497
Portfolio (USD)USD 619,497
Active Clients with Loans53
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Producto diseñado para financiar la compra de vehículos nuevos o usados de uso pàºblico o privado.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherSolo para Activo Fijo
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherLa tasa cobrada al cliente le permite gozar de un seguro de desgravamen.
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
OtherPuede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 4,216,212,589
Portfolio (USD)USD 1,686,485
Active Clients with Loans208
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
These loans are given to members who want to develop themselves in the area of enhancing educational level, acquiring assets and improving existing businesses
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherFinancial management training
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 institution1
# Regions for this product1
Regions ActiveCentral

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 500
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term60.0 months
Approx average58.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 200,000
Maximum loan size30,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00010%
UGX 1,000,000-5,000,00010%
UGX 5,000,000-7,500,00010%
UGX 7,500,000-10,000,00010%
UGX 10,000,000-13,000,00010%
Greater than UGX 13,000,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term60.0 months
Approx average36.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months20%
Between 13 and 18 months40%
Longer than 18 months40%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest10.28%
Highest quoted nominal interest16.28%
Reason(s) why interest rate variesLoan Size, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
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?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
Fee 1
DescriptionLoan Application Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50,000
Fixed amount - max50,000
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationApplies to loans between 500,000 - 20,000,000
Appears on Repayment Sched?No
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

Full Pricing Data

Sol Vehículo (Tasa Variable, USD) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 7,500USD 8,100USD 8,400USD 20,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-04-232010-01-292010-01-292010-03-09
Loan Term (Months)60.0 months60.0 months60.0 months60.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component12.1%10.6%10.6%12.5%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.1%0.1%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)12.2%10.6%10.6%12.6%
Transparency Index84979782
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Developmental Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 500,000UGX 694,923UGX 2,999,996UGX 3,700,000UGX 5,400,000UGX 9,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-03-122012-06-122012-03-122012-08-122012-03-122012-06-12
Loan Term (Months)4.1 months12.0 months11.0 months22.0 months24.0 months18.0 months
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditUGX 73,890UGX 126,552.23UGX 356,695.96UGX 758,450UGX 1,174,164UGX 1,476,537
True Price by Comp           
Interest price component17.8%17.8%17.8%17.9%17.8%17.9%
Fee Component51.2%14.4%3.4%1.5%1.0%0.7%
Insurance Component5.5%2.1%2.1%1.1%1.0%1.3%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)74.5%34.3%23.3%20.5%19.8%19.9%
Transparency Index245377889190
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Sol Vehículo (Tasa Variable, USD) Price Graphs


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Developmental 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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