Please note that the information you are viewing is 122 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
Please note that the information you are viewing is 150 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: 122 months

Institution

Associacao Zambeziana Para o Desenvolvimento Rural Rua dos Trabalhadores,Edificio da OTM,QuelimaneRua Joaquim ChissanoGurue, Zambezia
Data approved: 2012-01-21
Data version: 1
Age of data: 150 months

Product

Sol Individual (Tasa Fija) Product 8 of 30 « Prev | Next »

Product

Credito a Agricultura Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers107,618
Loan Amount (range)BOB 400 - 95,000
Loan Term (range)3 - 60
Other Services (text summary)Credit Ins
Annual Interest & Method17.0%-24.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component7.8% - 28.0%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)17.1% - 21.1%
Transparency Index (min/max)52 - 101
Transparency Index (average)90

Product Summary

120
MZN 5,000 - 10,000
3 - 12
Tech Asst Visits
30.0% annual, Decl Bal
250.00 upfront
1.00% upfront
None
N/A
 
N/A
62.0% - 86.0% (Int+Fee)
3.3% - 8.4%
0
65.9% - 92.9%
27 - 94
40

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 2,505,702,746
Portfolio (USD)USD 371,215,221.60
Active Clients with Loans107,618
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos destinado al financiamiento de las necesidades de capital de inversión o capital de operación para actividades industriales, comerciales y de servicios
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
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 institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 400
Portfolio (USD)USD 13.16
Active Clients with Loans120
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credito fornecido aos clientes para produccao agricola
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visitsx
Business training
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 400
Maximum loan size95,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,00020%
BOB 10,000-40,00050%
BOB 40,000-70,00030%
BOB 70,000-100,0000
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term60.0 months
Approx average32.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months10%
Longer than 18 months80%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 monthsx
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 5,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
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 interest17.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesLoan Size, Collateral, Plazo
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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?No

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Reason(s) why interest rate variesBranch, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionPara cobertura de despesas administrativas
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min250
Fixed amount - max250
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionPara cobertura do credito vigente em caso de falecimento
% 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?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 Individual (Tasa Fija) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 4,600BOB 16,400BOB 40,000BOB 95,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-08-152013-01-252013-06-062013-10-30
Loan Term (Months)18.0 months19.0 months15.0 months22.0 months
Grace Period (Months)-0.4 months0.4 months0.1 months0.3 months
Total Cost of CreditBOB 623.16BOB 3,051.32BOB 4,841.46BOB 19,610.88
True Price by Comp       
Interest price component17.1%21.1%17.1%20.6%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)17.1%21.1%17.1%20.6%
Transparency Index99819982
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Credito a Agricultura samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountMZN 5,000MZN 7,000MZN 9,500MZN 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-04-272011-11-152011-11-152011-11-16
Loan Term (Months)3.0 months6.0 months6.0 months6.0 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 Component86.0%67.7%64.1%62.0%
Insurance Component6.9%4.0%3.9%3.9%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)92.9%71.7%68.0%65.9%
Transparency Index32424446
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Sol Individual (Tasa Fija) Price Graphs


Credito a Agricultura 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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