2. Hluvuku-ADSEMA
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. BancoSol
Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Hluvuku-Associacao de Desenvolvimeto Socio-Economio De Matutuine Rua Principal, Bela Vista Parcela 33Bela Vista, Maputo
Data approved: 2013-05-09
Data version: 2
Age of data: 135 months
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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: 124 months
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Product

Credito Habitacao e Bens de consumo Product 3 of 3 « Prev | Next »

Product

Sol Vivienda (Tasa Fija, USD) Product 16 of 30 « Prev | Next »

Product Summary

Number borrowers3,066
Loan Amount (range)MZN 1,500 - 600,000
Loan Term (range)6 - 18
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method50.4% annual, Decl Bal
Fees50.00-900.00 upfront
Insurance1.50% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component30.1% - 53.3%
Fee Component0.1% - 0.8%
Insurance Component2.0% - 2.2%
Tax Component Range0
Full APR (int fee ins tax dep)45.9% - 51.5%
Transparency Index (min/max)94 - 110
Transparency Index (average)100

Product Summary

319
USD 50 - 25,000
3 - 60
Credit Ins
18.0%-25.5% annual, Decl Bal
None
None
None
N/A
 
7.8% - 28.0%
0
0
0
18.4% - 24.5%
52 - 101
87

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 49,490,027.21
Portfolio (USD)USD 1,627,961.42
Active Clients with Loans3,066
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
Credito para construcao de casa,compra materiais de construccao,melhoria de casa, Compra de Mobilia e equipamentos
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product1
Regions ActiveMaputo Province

Product Details

Key Statistics
Outstanding portfolio (USD)USD 974,891.51
Portfolio (USD)USD 974,891.51
Active Clients with Loans319
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito destinado a la compra, construcción, refacción, remodelación, ampliación, mejora, anticrético, vivienda productiva y/o legalización de la vivienda
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherCompra de vivienda, terreno, construcción
Other (2)Refacción, remodelación, ampliación, etc.
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 workerx
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

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 1,500
Maximum loan size600,000
Distribution at Disbursement (Est.)
Loans less than MZN 5,0005%
MZN 5,000-10,00010%
MZN 10,000-20,00010%
MZN 20,000-40,00040%
MZN 40,000-60,00020%
Greater than MZN 60,00020%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx average13.0 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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5000
USD 1,500-5,00040%
USD 5,000-10,00050%
USD 10,000-15,0005%
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term60.0 months
Approx average50.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
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

Pricing Information

Interest
Lowest quoted nominal interest4.20%
Highest quoted nominal interest4.20%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionTaxa de Inscrição
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50
Fixed amount - max900
Reason for variationos creditos maiores de 50.000,00 MZN pagam a taxa de inscricao de 0.15% em do emprestimo
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro para cubrir morte do cliente
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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 interest18.00%
Highest quoted nominal interest25.50%
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

Full Pricing Data

Credito Habitacao e Bens de consumo samples
Sample 3Sample 4Sample 5Sample 6
Loan AmountMZN 8,000MZN 15,000MZN 36,500MZN 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-262013-05-142013-05-142013-03-28
Loan Term (Months)18.0 months18.0 months18.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.1 months
Total Cost of CreditMZN 3,217.73MZN 6,892.82MZN 16,701.59MZN 26,522.73
True Price by Comp       
Interest price component42.9%48.9%48.9%47.0%
Fee Component0.8%0.4%0.1%0.3%
Insurance Component2.2%2.2%2.2%2.1%
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)45.9%51.5%51.2%49.4%
Transparency Index1009898100
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Sol Vivienda (Tasa Fija, USD) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 7,000USD 13,000USD 18,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-02-212014-04-072014-04-07
Loan Term (Months)47.0 months37.0 months37.0 months
Grace Period (Months)0.3 months0.0 months0.0 months
Total Cost of CreditUSD 3,184.77USD 4,036.94USD 7,593.32
True Price by Comp     
Interest price component20.1%18.4%24.5%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)20.1%18.4%24.5%
Transparency Index909874
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credito Habitacao e Bens de consumo Price Graphs


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Sol Vivienda (Tasa Fija, USD) 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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X Axis
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Total Borrrowers of Samples
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By Country

Total Borrowers of Samples

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