Ad Jesum Development Foundation, Inc. - Asset Acquisition - Land - MFTransparency.org Truth In Lending Tables

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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: 160 months

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Product

Asset Acquisition - Land Product 1 of 6 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (PHP)	PHP 2,688,607
Portfolio (USD)	USD 64,320.74
Active Clients with Loans	120
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	20% - 40%

Methodology

Individual	x
Solidarity group
Village banking
Self help group	x
Other

Description

Residential Lot

Loan Purpose

Any purpose
Income generation
Mortgage/housing	x
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance	x
Workplace visits	x
Business training	x
Other training	x
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 40,000
Maximum loan size	70,000

Loan Term and Grace Period

Shortest loan term	36.0 months
Longest loan term	36.0 months
Approx average	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	10.00%
Highest quoted nominal interest	10.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	Yes
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Service Charge
% of loan amount - min	3.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Life Insurance - Registration
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	300
Fixed amount - max	300
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

	Ins 1
Description	Life Insurance
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	20
Fixed amount - max	20
Reason for variation	N/A
Appears on Repayment Sched?	No

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Asset Acquisition - Land samples

	Sample 1	Sample 2	Sample 3
Loan Amount	PHP 50,000	PHP 50,000	PHP 50,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2011-05-04	2011-05-04	2011-05-04
Loan Term (Months)	11.7 months	11.7 months	11.7 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	73.8%	73.8%	73.8%
Insurance Component	4.9%	4.9%	4.9%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	78.7%	78.7%	78.7%
Transparency Index	13	13	13

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Asset Acquisition - Land Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	141
AMPL	0	0	0	141
Arman	41,500	529,107,000	1	141
Arohan	43,500	8,091,000	2	141
ASA INDIA	164,000	15,380,000	1	141
Asirvad	113,500	19,328,000	1	141
Asmitha	1,114,800	217,867,000	1	141
Bandhan	4,048,600	674,564,000	5	141
Belstar	123,000	23,945,000	2	120
BSFL	275,200	31,590,000	3	141
Chaitanya	20,700	3,748,000	3	141
Disha Microfin	69,000	14,332,000	2	141
Equitas	1,220,000	186,415,000	4	141
ESAF	354,200	43,500,000	5	141
FFSL	150,600	35,719,000	2	141
Fusion	66,800	9,820,000	2	141
Grama Vidiyal	738,200	102,101,000	1	141
Grameen Koota	586,600	83,555,000	15	143
Janalakshmi	506,000	119,077,000	2	141
L & T Finance	399,800	37,199,000	1	141
MFL	331,800	49,083,000	1	141
MMFL	175,000	23,752,000	2	141
Mpower	13,600	2,263,000	2	141
Sahayata	0	0	0	141
Saija	24,700	4,682,000	2	141
Samasta	45,500	4,809,000	2	141
Satin	405,600	90,174,000	2	141
SCCI	115,600	15,910,000	2	141
Share	2,195,400	376,727,000	1	141
SKS	3,409,000	355,029,000	2	141
SMILE	360,200	56,927,000	1	141
SNFL	9,400	1,779,000	1	141
Sonata Finance	158,200	22,724,000	3	143
Spandana	533,400	147,240,000	2	141
Suryoday	78,600	14,713,000	3	141
SVCL	118,200	18,886,000	1	141
Swadhaar	92,800	17,166,000	3	141
Trident	68,700	8,852,000	1	141
Ujjivan	913,300	160,848,000	5	141
Utkarsh	168,600	25,915,000	3	141
VFS	175,400	19,264,000	2	141
Asomi	50,300	4,743,000	2	174
AES India	3,600	286,000	1	174
Arth	2,900	611,000	2	174
Asomi	50,300	4,743,000	2	174
Barasat GS	1,100	99,508.02	1	174
BJS	6,000	468,000	1	174
Cashpor	417,000	50,452,000	1	173
Credible	10,000	1,669,540.36	2	174
DIBAKAR	1,800	145,000	1	173
GOF	65,200	5,388,000	4	173
Hope	62,600	4,407,000	1	170
Jaago	2,700	237,000	1	172
LOK	4,900	573,000	1	173
Nano	25,600	3,660,000	2	174
NBSAAVS	28,100	2,821,000	1	170
Nirantara	8,200	917,000	2	173
Parama	7,100	482,000	1	173
Pragathi	26,200	4,579,000	6	173
PWMACS	36,500	5,946,000	1	173
Saadhana	90,900	12,046,000	2	173
Sambhav	1,500	183,000	3	173
Seba Rahara	6,700	468,000	1	173
SU	61,100	5,498,000	1	173
Swayanshree	7,900	918,000	2	173
Vikas Samiti	1,600	168,000	1	173
Vistaar	4,300	1,157,000	2	170
We The People	1,100	244,000	2	173
WEMCS	1,100	85,000	1	173
Yukti	1,100	99,000	2	173

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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
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By Inst Type


By Country

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