2. BancoSol
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  2. GOF
Please note that the information you are viewing is 175 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

Growing Opportunity Finance (India) Pvt. Ltd. No.12, Ramasamy Street, I FloorT. NagarChennai, Tamil Nadu600017
Data approved: 2011-01-01
Data version: 1
Age of data: 175 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.bancosol.com.bo/
Year established1992
Head of InstitutionRaul Cabrera
Regions active0
# Branches60

Total Portfolio (nat'l)BOB 2,668,351,825
Total Portfolio (USD)USD 389,540,412.40
Active clients with loans135,842
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliations
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.gopportunity.net/
Year established2006
Head of InstitutionMr. James. A. Reiff
Regions active
# Branches13

Total Portfolio (nat'l)INR 280,000,000
Total Portfolio (USD)USD 5,283,018.87
Active clients with loans65,000
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations

Loan Products » Summary

1000-TF
10,945 Borrowers
USD 4,791,711.83 Portfolio
Active Product
1000-TF USD
757 Borrowers
USD 253,259 Portfolio
Active Product
DPF-TF
158 Borrowers
USD 252,403.21 Portfolio
Active Product
DPF-TF USD
64 Borrowers
USD 184,453 Portfolio
Active Product
SolEf-TF
9,963 Borrowers
USD 10,851,340.88 Portfolio
Active Product
SolEf-TF USD
1,762 Borrowers
USD 2,346,089 Portfolio
Active Product
SolIdv-TF
60,623 Borrowers
USD 163,513,707.90 Portfolio
Active Product
SolIdv-TF US
23,803 Borrowers
USD 72,275,179.50 Portfolio
Active Product
SolIdv-TV
268 Borrowers
USD 3,764,484.56 Portfolio
Active Product
SolIdv-TV US
2,343 Borrowers
USD 29,880,847 Portfolio
Active Product
Veh TF USD
54 Borrowers
USD 132,323 Portfolio
Active Product
Veh TV USD
53 Borrowers
USD 619,497 Portfolio
Active Product
Viv TF
16,568 Borrowers
USD 51,008,874.10 Portfolio
Active Product
Viv TF USD
6,274 Borrowers
USD 17,784,803.35 Portfolio
Active Product
Viv TV USD
2,143 Borrowers
USD 28,864,765 Portfolio
Active Product
SolEf-TV USD
20 Borrowers
USD 118,203 Portfolio
Low Volume Product
Veh TF
35 Borrowers
USD 128,968.47 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 » Summary

Livestock
1,205 Borrowers
USD 37,735.85 Portfolio
Active Product
Rural
31,727 Borrowers
USD 2,376,169.81 Portfolio
Active Product
Student
800 Borrowers
USD 37,735.85 Portfolio
Active Product
Urban
31,539 Borrowers
USD 2,936,358.49 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Sol 1000 (Tasa Fija) BOB 349 - 6,970 3 - 18 60% - 80% 80% - 100% Business Women, Men, Have business Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen.
Sol 1000 (Tasa Fija, USD) USD 50 - 1,000 3 - 18 40% - 60% 80% - 100% Business Women, Men, Have business Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen.
Sol DPF (Tasa Fija, BOB) BOB 349 - 1,742,500 3 - 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker, Puede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados., Clientes con DPFs propios del Banco Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen.
Sol DPF (Tasa Fija, USD) USD 50 - 250,000 3 - 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker, Puede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados., Clientes con DPFs propios del Banco Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen.
Sol Efectivo (Tasa Fija) BOB 1,394 - 69,700 3 - 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker, Puede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados. Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen.
Sol Efectivo (Tasa Fija, USD) USD 200 - 10,000 3 - 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker, Puede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados. Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen.
Sol Individual (Tasa Fija) BOB 348.50 - 1,742,500 3 - 96 40% - 60% 80% - 100% Business Women, Men, Have business Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen. , BANCOSOL paga la prima correspondiente, sin que la misma sea reembolsada por el cliente.
Sol Individual (Tasa Fija, USD) USD 50 - 250,000 3 - 96 40% - 60% 80% - 100% Business Women, Men, Have business Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen., BANCOSOL paga la prima correspondiente, sin que la misma sea reembolsada por el cliente.
Sol Individual (Tasa Variable) BOB 348.50 - 1,742,500 3 - 96 20% - 40% 80% - 100% Business Women, Men, Have business Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen., BANCOSOL paga la prima correspondiente, sin que la misma sea reembolsada por el cliente.
Sol Individual (Tasa Variable, USD) USD 50 - 250,000 3 - 96 20% - 40% 80% - 100% Business Women, Men, Have business Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen., BANCOSOL paga la prima correspondiente, sin que la misma sea reembolsada por el cliente.
Sol Vehículo (Tasa Fija, USD) USD 500 - 50,000 3 - 60 20% - 40% 80% - 100% Solo para Activo Fijo Women, Men, Have business, Salaried worker, Puede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados. Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen.
Sol Vehículo (Tasa Variable, USD) USD 500 - 50,000 3 - 60 20% - 40% 60% - 80% Solo para Activo Fijo Women, Men, Have business, Salaried worker, Puede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados. Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen.
Sol Vivienda (Tasa Fija, BOB) BOB 1,394 - 1,045,500 3 - 180 40% - 60% 80% - 100% Housing, Compra de vivienda, terreno, construcción, Refacción, remodelación, apliación, etc. Women, Men, Have business, Salaried worker, Puede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen., BANCOSOL paga la prima correspondiente, sin que la misma sea reembolsada por el cliente.
Sol Vivienda (Tasa Fija, USD) USD 200 - 150,000 3 - 180 40% - 60% 80% - 100% Housing, Compra de vivienda, terreno, construcción, Refacción, remodelación, apliación, etc. Women, Men, Have business, Salaried worker, Puede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen., BANCOSOL paga la prima correspondiente, sin que la misma sea reembolsada por el cliente.
Sol Vivienda (Tasa Variable, USD) USD 200 - 150,000 3 - 180 20% - 40% 80% - 100% Housing, Compra de vivienda, terreno, construcción Women, Men, Have business, Salaried worker, Puede ser otorgado tanto a Clientes propietarios de un Negocio como a Clientes Asalariados Credit Ins, La tasa cobrada al cliente le permite gozar de un seguro de desgravamen.

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Livestock Loan INR 12,000 - 20,000 12 - 24 80% - 100% 0% - 20% Business, Only for purchase of farm animals Women Group Mtgs, Other Training, Training from veterinarian, Health / Social Issue Training
Rural Trust Bank INR 3,000 - 15,000 6 - 12 80% - 100% 0% - 20% Business Women, Have business Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health / Social Issue Training
Student Loan INR 3,000 - 5,000 12 80% - 100% 60% - 80% Business, Education Women, Must have children of a qualified age in school, Must have completed one loan cycle with the MFI Other Training, Scholarships are available, some reserved for top scorers and others reserved for female students
Urban Trust Bank INR 3,000 - 25,000 6 - 12 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Health / Social Issue Training

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) 24.5% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Sol 1000 (Tasa Fija, USD) 24.5% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Sol DPF (Tasa Fija, BOB) 5.1%-7.8% annual, Decl Bal 0 Fees 0 Ins None 100.0% upfront 0% 0% N/A
Sol DPF (Tasa Fija, USD) 5.8%-7.2% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal 100.0% upfront 0% 0% N/A
Sol Efectivo (Tasa Fija) 21.0%-28.5% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Sol Efectivo (Tasa Fija, USD) 21.0%-28.5% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Sol Individual (Tasa Fija) 17.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Sol Individual (Tasa Fija, USD) 18.0%-24.5% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Sol Individual (Tasa Variable) 11.0%-18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Sol Individual (Tasa Variable, USD) 11.3%-18.8% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Sol Vehículo (Tasa Fija, USD) 14.5%-23.5% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Sol Vehículo (Tasa Variable, USD) 10.3%-16.3% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Sol Vivienda (Tasa Fija, BOB) 17.0%-24.5% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Sol Vivienda (Tasa Fija, USD) 20.0%-25.5% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Sol Vivienda (Tasa Variable, USD) 10.3%-18.3% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Livestock Loan 0% 25.5% - 25.7% 25.5% - 25.7% N/A
Rural Trust Bank 0% 30.4% - 39.3% 30.4% - 39.3% N/A
Student Loan 0% 28.3% - 28.6% 28.3% - 28.6% N/A
Urban Trust Bank 0% 29.2% - 42.3% 29.2% - 42.3% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livestock Loan 12.0% annual, Flat 1 Fee 0 Ins None N/A 25.5% - 25.7% 25.5% - 25.7% 47
Rural Trust Bank 12.0%-15.0% annual, Flat 1 Fee 1 Ins None N/A 30.4% - 39.3% 30.4% - 39.3% 34
Student Loan 15.0% annual, Flat 1 Fee 0 Ins None N/A 28.3% - 28.6% 28.3% - 28.6% 52
Urban Trust Bank 12.0%-15.5% annual, Flat 1 Fee 1 Ins None N/A 29.2% - 42.3% 29.2% - 42.3% 33

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) 24.5% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Sol 1000 (Tasa Fija, USD) 24.5% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Sol DPF (Tasa Fija, BOB) 5.1%-7.8% annual, Decl Bal 0 Fees 0 Ins Ins None 100.0% upfront 0% 0% N/A
Sol DPF (Tasa Fija, USD) 5.8%-7.2% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal 100.0% upfront 0% 0% N/A
Sol Efectivo (Tasa Fija) 21.0%-28.5% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Sol Efectivo (Tasa Fija, USD) 21.0%-28.5% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Sol Individual (Tasa Fija) 17.0%-24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Sol Individual (Tasa Fija, USD) 18.0%-24.5% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Sol Individual (Tasa Variable) 11.0%-18.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Sol Individual (Tasa Variable, USD) 11.3%-18.8% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Sol Vehículo (Tasa Fija, USD) 14.5%-23.5% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Sol Vehículo (Tasa Variable, USD) 10.3%-16.3% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Sol Vivienda (Tasa Fija, BOB) 17.0%-24.5% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Sol Vivienda (Tasa Fija, USD) 20.0%-25.5% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Sol Vivienda (Tasa Variable, USD) 10.3%-18.3% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Livestock Loan 0% 25.5% - 25.7% 25.5% - 25.7% N/A
Rural Trust Bank 0% 30.4% - 39.3% 30.4% - 39.3% N/A
Student Loan 0% 28.3% - 28.6% 28.3% - 28.6% N/A
Urban Trust Bank 0% 29.2% - 42.3% 29.2% - 42.3% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livestock Loan 12.0% annual, Flat 1 Fee 0 Ins Ins None N/A 25.5% - 25.7% 25.5% - 25.7% 47
Rural Trust Bank 12.0%-15.0% annual, Flat 1 Fee 1 Ins Ins None N/A 30.4% - 39.3% 30.4% - 39.3% 34
Student Loan 15.0% annual, Flat 1 Fee 0 Ins Ins None N/A 28.3% - 28.6% 28.3% - 28.6% 52
Urban Trust Bank 12.0%-15.5% annual, Flat 1 Fee 1 Ins Ins None N/A 29.2% - 42.3% 29.2% - 42.3% 33
Institution Price Graph
Microloan Products offered in BOB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeAnyBusinessHousingLoan PurposeBancoSolInstitutionBO-005-V01-P01BO-005-V01-P03BO-005-V01-P05BO-005-V01-P08BO-005-V01-P10BO-005-V01-P15ProductBOCountry2010YearRange Number1Institution Data Version020,00040,00060,00080,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 12,0009,0006,0003,000300Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeAnyBusinessHousingOtherLoan PurposeBancoSolInstitutionBO-005-V01-P02BO-005-V01-P04BO-005-V01-P06BO-005-V01-P09BO-005-V01-P11BO-005-V01-P13BO-005-V01-P14BO-005-V01-P16BO-005-V01-P17ProductBOCountry2010YearRange Number1Institution Data Version05,00010,00015,00020,000Loan Size (all)0%200000%400000%600000%800000%1000000%Full APR (int fee ins tax dep)> 4,7003,5002,3001,100100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessMultipleLoan PurposeGOFInstitutionIN-030-V01-P01IN-030-V01-P02IN-030-V01-P03IN-030-V01-P04ProductINCountry2011YearRange Number1Institution Data Version05,00010,00015,00020,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 9,5007,1004,7002,300200Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
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Key Statistics
# Samples:
# Products
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# 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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