Opportunity International Savings & Loans Ltd. - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 132 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 123 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Opportunity International Savings & Loans Ltd. No. D765/3 Kwame Nkrumah AvenueAccra, Greater AccraPO Box JT 323

Data approved: 2013-03-12

Data version: 2

Age of data: 132 months

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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 Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.opportunityghana.com/
Year established	2004
Head of Institution	Kwame Owusu-Boateng
Regions active	Greater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches	29

Total Portfolio (nat'l)	GHS 56,590,868
Total Portfolio (USD)	USD 28,726,328.93
Active clients with loans	62,525
Approximate % female clients	60% - 80%
Approximate % urban clients	40% - 60%
Network affiliations	Opportunity International USA
Funders	Opportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

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

Loan Products » Summary

Agriculture

7,428 Borrowers

USD 1,242,790.36 Portfolio

Active Product

Church

53 Borrowers

USD 241,847.21 Portfolio

Active Product

Family

273 Borrowers

USD 144,458.88 Portfolio

Active Product

Group

39,801 Borrowers

USD 11,025,252.79 Portfolio

Active Product

Individual

3,257 Borrowers

USD 2,895,500.51 Portfolio

Active Product

ISME

595 Borrowers

USD 4,731,220.81 Portfolio

Active Product

Susu

1,443 Borrowers

USD 913,463.45 Portfolio

Active Product

Adehye

8,946 Borrowers

USD 5,867,048.22 Portfolio

Active Product

Education

245 Borrowers

USD 171,009.14 Portfolio

Active Product

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
Agriculture Loan	GHS 130 - 10,000	6 - 9	60% - 80%	0% - 20%	Business, Farming	Women, Men, Specific age group, Farmers	Credit Educ, Credit Ins
Church Loan	GHS 5,000 - 100,000	3 - 37	0%	60% - 80%	Financing church building	Women, Men, Fully registered functioning church	Credit Educ
Salary Loan	GHS 270 - 15,000	6 - 24	20% - 40%	100%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Educ, Credit Ins
Group Loan	GHS 100 - 8,000	3 - 12	60% - 80%	40% - 60%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan	GHS 200 - 12,000	2 - 24	40% - 60%	20% - 40%	Business	Women, Men, Have business	Credit Educ, Credit Ins
ISME / Edufinance	GHS 10,000 - 100,000	10 - 37	0% - 20%	80% - 100%	Business, Education	Women, Men, Have business, Fully registered and licensed school	Tech Asst Visits, Business Training
Susu Loan	GHS 100 - 10,000	3 - 12	40% - 60%	40% - 60%	Business	Women, Men	Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Adehye Loan	GHS 280 - 8,000	3 - 8	60% - 80%	40% - 60%	Business	Women, Men, Have business, Must be a good group loan client.	Credit Educ, Group Mtgs
Eduloan	GHS 500 - 3,000	24	60% - 80%	80% - 100%	Education	Women, Men	Credit Educ

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
Agriculture Loan	36.0% annual, Flat	2 Fees	1 Ins	None	10.0% upfront	40.8% - 65.4%	47% - 78.8%	61
Church Loan	39.0% annual, Decl Bal	2 Fees	1 Ins	None	15.0% upfront	42.1% - 45.3%	55.6% - 61.3%	66
Salary Loan	24.0% annual, Flat	2 Fees	1 Ins	None	N/A	43.4% - 48.5%	44.6% - 50.6%	51
Group Loan	41.0% annual, Flat	2 Fees	1 Ins	None	15.0% upfront	77.5% - 90.7%	103% - 123.9%	36
Individual Loan	42.0% annual, Flat	2 Fees	1 Ins	None	10.0% upfront	67.6% - 79%	78.4% - 95.7%	47
ISME / Edufinance	39.0% annual, Decl Bal	2 Fees	1 Ins	None		43% - 46.3%	44.4% - 48%	84
Susu Loan	39.0% annual, Flat	2 Fees	1 Ins	None	N/A	68.4% - 74.6%	69.8% - 77.3%	53
Adehye Loan	38.0% annual, Flat	1 Fee	1 Ins	None	15.0%-20.0% upfront	67.1% - 81.6%	96.6% - 124.1%	35
Eduloan	24.0%-37.0% annual, Decl Bal	1 Fee	1 Ins	None	N/A	41.6% - 74.1%	42.5% - 78%	37

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
Agriculture Loan	36.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0% upfront	40.8% - 65.4%	47% - 78.8%	61
Church Loan	39.0% annual, Decl Bal	2 Fees	1 Ins Ins	None	15.0% upfront	42.1% - 45.3%	55.6% - 61.3%	66
Salary Loan	24.0% annual, Flat	2 Fees	1 Ins Ins	None	N/A	43.4% - 48.5%	44.6% - 50.6%	51
Group Loan	41.0% annual, Flat	2 Fees	1 Ins Ins	None	15.0% upfront	77.5% - 90.7%	103% - 123.9%	36
Individual Loan	42.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0% upfront	67.6% - 79%	78.4% - 95.7%	47
ISME / Edufinance	39.0% annual, Decl Bal	2 Fees	1 Ins Ins	None		43% - 46.3%	44.4% - 48%	84
Susu Loan	39.0% annual, Flat	2 Fees	1 Ins Ins	None	N/A	68.4% - 74.6%	69.8% - 77.3%	53
Adehye Loan	38.0% annual, Flat	1 Fee	1 Ins Ins	None	15.0%-20.0% upfront	67.1% - 81.6%	96.6% - 124.1%	35
Eduloan	24.0%-37.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	41.6% - 74.1%	42.5% - 78%	37

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

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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

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Institution

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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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