Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Micro Bankers Trust Head OfficeLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 156 months

Product

Equipment Loan Product 2 of 5 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (ZMK)ZMK 1,114,727,511
Portfolio (USD)USD 215,406.28
Active Clients with Loans110
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This product is targeted at small-scale farmers. It facilitates a procurement of equipment for irrigation and mechanization activities. The maximum loan term is 36 months. It is also collateral-based, targeted at individuals with securities.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFarmining business for throughout the year
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherMust have a farm holding and source of water throughout the year
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
CurrencyZMK
Minimum loan sizeZMK 2,000,000
Maximum loan size50,000,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average24.0 months
Grace Period
Grace period usage100%
Average grace period3.0 months
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 interest25.00%
Highest quoted nominal interest25.00%
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 - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Assurance
% of loan amount - min2.00%
% of loan amount - max2.00%
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

Equipment Loan samples
Sample 1Sample 2Sample 3
Loan AmountZMK 2,500,000ZMK 4,000,000ZMK 5,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-08-102011-08-102011-08-10
Loan Term (Months)24.0 months24.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component28.1%28.1%28.5%
Insurance Component2.3%2.3%2.3%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.4%30.4%30.8%
Transparency Index828281
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Equipment Loan Price Graphs


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

Institution

BancoSol S.A. Calle Nicolás Acosta Nº 289La Paz13176
Data approved: 2010-11-08
Data version: 1
Age of data: -   months 

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

10,945 Borrowers
USD 4,791,711.83 Portfolio
Active Product
757 Borrowers
USD 253,259 Portfolio
Active Product
158 Borrowers
USD 252,403.21 Portfolio
Active Product
64 Borrowers
USD 184,453 Portfolio
Active Product
9,963 Borrowers
USD 10,851,340.88 Portfolio
Active Product
1,762 Borrowers
USD 2,346,089 Portfolio
Active Product
60,623 Borrowers
USD 163,513,707.90 Portfolio
Active Product
23,803 Borrowers
USD 72,275,179.50 Portfolio
Active Product
268 Borrowers
USD 3,764,484.56 Portfolio
Active Product
2,343 Borrowers
USD 29,880,847 Portfolio
Active Product
54 Borrowers
USD 132,323 Portfolio
Active Product
53 Borrowers
USD 619,497 Portfolio
Active Product
16,568 Borrowers
USD 51,008,874.10 Portfolio
Active Product
6,274 Borrowers
USD 17,784,803.35 Portfolio
Active Product
2,143 Borrowers
USD 28,864,765 Portfolio
Active Product
20 Borrowers
USD 118,203 Portfolio
Low Volume Product
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
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Key Statistics
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# 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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