2. AJDFI
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. PRODEM
Please note that the information you are viewing is 129 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ad Jesum Development Foundation, Inc. Clergy House CompoundMadangMati City, Davao Oriental/Region XI8200
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

FFP Prodem S.A. Belisario Salinas # 520La Paz13963
Data approved: 2013-09-06
Data version: 2
Age of data: 129 months
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Product

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Product Summary

Number borrowers120
Loan Amount (range)PHP 40,000 - 70,000
Loan Term (range)36
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method10.0% annual, Flat
Fees3.00% upfront
Insurance300.00 upfront 20.00 ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component73.8% (Int+Fee)
Insurance Component1.3% - 151.3%
Tax Component Range0 - 2.8%
Full APR (int fee ins tax dep)78.7%
Transparency Index (min/max)0 - 81
Transparency Index (average)13

Product Summary

1,096
BOB 24,000 - 140,000
1 - 6
Credit Ins
16.0%-27.0% annual, Decl Bal
None
0.07%-0.39% upfront 0.07%-0.39% ongoing
None
N/A
 
15.6% - 29.5%
0
0.7% - 1.1%
0
16.4% - 18.5%
52 - 98
92

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 2,688,607
Portfolio (USD)USD 64,320.74
Active Clients with Loans120
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
Residential Lot
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 194,376,135
Portfolio (USD)USD 28,796,464.44
Active Clients with Loans1,096
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credito destinado para la compra de mercaderia. El mismo es de corto plazo a una cuota con garantia prendaria (mercarderia). El credito es otorgado en Bolivianos como en dolares.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
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 worker
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
CurrencyPHP
Minimum loan sizePHP 40,000
Maximum loan size70,000
Loan Term and Grace Period
Shortest loan term36.0 months
Longest loan term36.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 24,000
Maximum loan size140,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,0000
BOB 10,000-40,0005%
BOB 40,000-70,00015%
BOB 70,000-100,00030%
BOB 100,000-125,00010%
Greater than BOB 125,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term6.0 months
Approx average5.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months90%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest10.00%
Highest quoted nominal interest10.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLife Insurance - Registration
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min300
Fixed amount - max300
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max20
Reason for variationN/A
Appears on Repayment Sched?No
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 interest16.00%
Highest quoted nominal interest27.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk
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
Ins 1
DescriptionSeguro de desgravamen anticipado
% of loan amount - min0.07%
% of loan amount - max0.39%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee is 0.065% multiplied by the number of months between the disbursement date and the first date of repayment.
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min0.07%
% of loan amount - max0.39%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee is 0.065% per month, charged on the outstanding loan principal.
Appears on Repayment Sched?Yes
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

Asset Acquisition - Land samples
Sample 1Sample 2Sample 3
Loan AmountPHP 50,000PHP 50,000PHP 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-05-042011-05-042011-05-04
Loan Term (Months)11.7 months11.7 months11.7 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 Component73.8%73.8%73.8%
Insurance Component4.9%4.9%4.9%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)78.7%78.7%78.7%
Transparency Index131313
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Estacional samples
Sample 1Sample 2Sample 3
Loan AmountBOB 80,000BOB 80,000BOB 135,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-08-202013-07-192013-10-18
Loan Term (Months)5.9 months6.0 months5.9 months
Grace Period (Months)0.0 months5.0 months4.9 months
Total Cost of CreditBOB 5,529.67BOB 6,712BOB 11,874
True Price by Comp     
Interest price component17.4%15.6%16.6%
Fee Component0.0%0.0%0.0%
Insurance Component1.1%0.8%0.8%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)18.5%16.4%17.4%
Transparency Index869892
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Asset Acquisition - Land Price Graphs


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Estacional 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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By Country

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