BancoSol S.A. - MFTransparency.org Truth In Lending Tables

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Please note that the information you are viewing is 151 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 NÂº 289La Paz13176

Data approved: 2010-11-08

Data version: 1

Age of data: - months

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Institution

CCT Credit Cooperative 5/F Joshua Center1428 Taft Avenue, ErmitaManila, NCR1000

Data approved: 2011-11-15

Data version: 1

Age of data: 151 months

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Institution Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.bancosol.com.bo/
Year established	1992
Head of Institution	Raul Cabrera
Regions active	0
# Branches	60

Total Portfolio (nat'l)	BOB 2,668,351,825
Total Portfolio (USD)	USD 389,540,412.40
Active clients with loans	135,842
Approximate % female clients	40% - 60%
Approximate % urban clients	80% - 100%
Network affiliations
Funders

Institution Details

Institution Type	Credit Union / Cooperative
Is this institution regulated?	Yes
Website address	http://www.cct.org.ph/
Year established	2003
Head of Institution	Ruth S. Callanta
Regions active
# Branches	132

Total Portfolio (nat'l)	PhP 387,176,016
Total Portfolio (USD)	USD 9,262,584.12
Active clients with loans	76,168
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations	NATTCO, MCPI, Hope International, Peer Servants
Funders	Five Talents USA, United Kingdom, Tear Fund, New Zealand, Cross International, USA, End Poverty

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

Enterprise

100 Borrowers

USD 167,552.11 Portfolio

Active Product

Housing

120 Borrowers

USD 107,655.50 Portfolio

Active Product

Regular 4

30,060 Borrowers

USD 3,932,881.20 Portfolio

Active Product

Regular 6

40,100 Borrowers

USD 5,296,039.69 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
Growth Enterprise Loan	PHP 51,000 - 700,000	6 - 12	60% - 80%	40% - 60%	Business	Women, Men, Have business, Have home or land, Must be community resident for at least 5 years	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Values Development, Personal Counselling and Life Skills Training
Housing Loan	PHP 10,000 - 30,000	12	20% - 40%	40% - 60%	Housing	Women, Men, Have business, Have home or land, Must meet requirements of CCT regular business loan	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, values development, personal counselling, life skills training, health care
Regular Business Loan 4 months	PHP 4,000 - 50,000	3.5	80% - 100%	60% - 80%	Business	Women, Men, Have business, Have home or land, Must be community resident for at least 5 years	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Development, Personal Counselling and Life Skills Training, Health Care
Regular Business Loan 6 months	PHP 11,000 - 50,000	6	80% - 100%	60% - 80%	Business	Women, Men, Have business, Have home or land, Must be community resident for at least 5 years	Credit Educ, Group Mtgs, Tech Asst Visits, Values Development, Personal Counselling and Life Skills Training, Business mentoring

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Sol 1000 (Tasa Fija)	24.5% annual, Decl Bal	None	N/A	0%	0%	N/A
Sol 1000 (Tasa Fija, USD)	24.5% annual, Decl Bal	15.00% Principal	N/A	0%	0%	N/A
Sol DPF (Tasa Fija, BOB)	5.1%-7.8% annual, Decl Bal	None	100.0% upfront	0%	0%	N/A
Sol DPF (Tasa Fija, USD)	5.8%-7.2% annual, Decl Bal	15.00% Principal	100.0% upfront	0%	0%	N/A
Sol Efectivo (Tasa Fija)	21.0%-28.5% annual, Decl Bal	None	N/A	0%	0%	N/A
Sol Efectivo (Tasa Fija, USD)	21.0%-28.5% annual, Decl Bal	15.00% Principal	N/A	0%	0%	N/A
Sol Individual (Tasa Fija)	17.0%-24.0% annual, Decl Bal	None	N/A	0%	0%	N/A
Sol Individual (Tasa Fija, USD)	18.0%-24.5% annual, Decl Bal	15.00% Principal	N/A	0%	0%	N/A
Sol Individual (Tasa Variable)	11.0%-18.0% annual, Decl Bal	None	N/A	0%	0%	N/A
Sol Individual (Tasa Variable, USD)	11.3%-18.8% annual, Decl Bal	15.00% Principal	N/A	0%	0%	N/A
Sol Vehículo (Tasa Fija, USD)	14.5%-23.5% annual, Decl Bal	15.00% Principal	N/A	0%	0%	N/A
Sol Vehículo (Tasa Variable, USD)	10.3%-16.3% annual, Decl Bal	15.00% Principal	N/A	0%	0%	N/A
Sol Vivienda (Tasa Fija, BOB)	17.0%-24.5% annual, Decl Bal	None	N/A	0%	0%	N/A
Sol Vivienda (Tasa Fija, USD)	20.0%-25.5% annual, Decl Bal	15.00% Principal	N/A	0%	0%	N/A
Sol Vivienda (Tasa Variable, USD)	10.3%-18.3% annual, Decl Bal	15.00% Principal	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Growth Enterprise Loan	10.0%-24.0% annual, Flat	1 Fee	None	30.0% upfront 100.00 ongoing	56.1% - 60.2%	109.8% - 121.5%	8
Housing Loan	18.0% annual, Flat	1 Fee	None	30.0% upfront 50.00 ongoing	36.9% - 37%	55.6% - 56.3%	32
Regular Business Loan 4 months	37.6% annual, Flat	1 Fee	None	20.0% upfront 50.00 ongoing	92.2%	139.9%	27
Regular Business Loan 6 months	40.0% annual, Flat	1 Fee	None	20.0% upfront 100.00 ongoing	87.6%	131.3% - 131.4%	30

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Sol 1000 (Tasa Fija)	24.5% annual, Decl Bal	0 Ins Ins	None	N/A	0%	0%	N/A
Sol 1000 (Tasa Fija, USD)	24.5% annual, Decl Bal	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 Ins Ins	None	100.0% upfront	0%	0%	N/A
Sol DPF (Tasa Fija, USD)	5.8%-7.2% annual, Decl Bal	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 Ins Ins	None	N/A	0%	0%	N/A
Sol Efectivo (Tasa Fija, USD)	21.0%-28.5% annual, Decl Bal	0 Ins Ins	15.00% Principal	N/A	0%	0%	N/A
Sol Individual (Tasa Fija)	17.0%-24.0% annual, Decl Bal	0 Ins Ins	None	N/A	0%	0%	N/A
Sol Individual (Tasa Fija, USD)	18.0%-24.5% annual, Decl Bal	0 Ins Ins	15.00% Principal	N/A	0%	0%	N/A
Sol Individual (Tasa Variable)	11.0%-18.0% annual, Decl Bal	0 Ins Ins	None	N/A	0%	0%	N/A
Sol Individual (Tasa Variable, USD)	11.3%-18.8% annual, Decl Bal	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 Ins Ins	15.00% Principal	N/A	0%	0%	N/A
Sol Vehículo (Tasa Variable, USD)	10.3%-16.3% annual, Decl Bal	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 Ins Ins	None	N/A	0%	0%	N/A
Sol Vivienda (Tasa Fija, USD)	20.0%-25.5% annual, Decl Bal	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 Ins Ins	15.00% Principal	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Growth Enterprise Loan	10.0%-24.0% annual, Flat	1 Fee	0 Ins Ins	None	30.0% upfront 100.00 ongoing	56.1% - 60.2%	109.8% - 121.5%	8
Housing Loan	18.0% annual, Flat	1 Fee	0 Ins Ins	None	30.0% upfront 50.00 ongoing	36.9% - 37%	55.6% - 56.3%	32
Regular Business Loan 4 months	37.6% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 50.00 ongoing	92.2%	139.9%	27
Regular Business Loan 6 months	40.0% annual, Flat	1 Fee	0 Ins Ins	None	20.0% upfront 100.00 ongoing	87.6%	131.3% - 131.4%	30

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Key Statistics
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# 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

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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