2. BancoSol
Please note that the information you are viewing is 135 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 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

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 » 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 » 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
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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  2. Utkarsh
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

Utkarsh Micro Finance Pvt. Ltd. S-2/639-56, Varuna Vihar ColonyNear J Mehta Inter Collect Cantt.Varanasi, Uttar Pradesh221002
Data approved: 2013-02-20
Data version: 2
Age of data: 144 months
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Product

Utkarsh Pragati Product 1 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (INR)INR 1,134,408,127
Portfolio (USD)USD 21,403,926.92
Active Clients with Loans154,956
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Income Generation Loan is provided to women borrowers. The loan size ranges between INR 6,000 to 15,000 under joint liability structure.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
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 areax
Must lives in urban areax
OtherClient age must be between 21 to 55.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product4
Regions ActiveBihar, Madhya Pradesh, Uttar Pradesh, Uttarakhand

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 6,000
Maximum loan size15,000
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 term14.0 months
Approx average14.0 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 months100%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
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 interest25.94%
Highest quoted nominal interest25.94%
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 - min0.88%
% of loan amount - max0.88%
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 - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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 taxedSome

Full Pricing Data

Utkarsh Pragati samples
Sample 1Sample 2Sample 3
Loan AmountINR 10,000INR 10,000INR 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-02-122013-04-232013-02-04
Loan Term (Months)14.0 months12.0 months14.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditINR 1,770.36INR 1,720.36INR 2,655.54
True Price by Comp     
Interest price component25.9%25.6%25.9%
Fee Component1.6%1.7%1.6%
Insurance Component1.9%1.8%1.9%
Tax Component0.2%0.3%0.2%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)29.6%29.4%29.6%
MFIN MFI Earning (Annualised)27.5%27.3%27.5%
MFIN Cost to Borrower (Annualised)29.6%29.4%29.6%
Transparency Index888888
MFIN Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Utkarsh Pragati Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeUtkarshInstitutionIN-079-V02-P01ProductINCountry2013YearRange Number2Institution Data Version05,00010,00015,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 150,000110,00077,00038,0004,300Number of Borrowers
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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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