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

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Please note that the information you are viewing is 152 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

Simbag sa Pag-Asenso, Inc. 3/F SAC Building, Cathedral CompoundAlbay DistrictLegazpi City4500

Data approved: 2011-11-15

Data version: 1

Age of data: 152 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	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.simbag.org/
Year established	1994
Head of Institution	Remegia L. Balucio
Regions active
# Branches	18

Total Portfolio (nat'l)	PhP 205,575,411
Total Portfolio (USD)	USD 4,918,072.03
Active clients with loans	26,942
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations	People's Credit and Fiannce Corporation
Funders	Manos Unidas

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

Balay

4,828 Borrowers

USD 505,519.88 Portfolio

Active Product

Productive

21,517 Borrowers

USD 3,358,047.61 Portfolio

Active Product

Sagip

722 Borrowers

USD 50,541.96 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
Balay Asenso	PHP 1,000 - 20,000	5 - 10	80% - 100%	20% - 40%	Housing	Women, Men, Have business, Have home or land, Member for > 6 months, At least on the 2nd cycle of regular loan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Productive Loan	PHP 1,000 - 150,000	2 - 10	80% - 100%	20% - 40%	Business	Women, Men	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Advocacy & scholarship program; Social Services, Spiritual & Formation Activities, Enterprise Development & Services, Calamity Relief Assistance
Sagip Asenso	PHP 1,000 - 10,000	5	80% - 100%	20% - 40%	Business	Women, Men, Have business, Member for > 6 months, At least on the 2nd cycle of regular loan	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training

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	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Balay Asenso	24.0% annual, Flat	1 Fee	2 Ins	None	5.0% upfront 10.00 ongoing	57.4% - 71.3%	69.8% - 94.1%	29
Productive Loan	24.0% annual, Flat	1 Fee	2 Ins	None	5.0% upfront 10.00 ongoing	57.4% - 67.6%	75.4% - 163.5%	25
Sagip Asenso	24.0% annual, Flat	1 Fee	2 Ins	None	5.0% upfront 10.00 ongoing	64.1% - 72.7%	82.2% - 96%	28

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
Balay Asenso	24.0% annual, Flat	1 Fee	2 Ins Ins	None	5.0% upfront 10.00 ongoing	57.4% - 71.3%	69.8% - 94.1%	29
Productive Loan	24.0% annual, Flat	1 Fee	2 Ins Ins	None	5.0% upfront 10.00 ongoing	57.4% - 67.6%	75.4% - 163.5%	25
Sagip Asenso	24.0% annual, Flat	1 Fee	2 Ins Ins	None	5.0% upfront 10.00 ongoing	64.1% - 72.7%	82.2% - 96%	28

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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

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Total Borrrowers of Samples


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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

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