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

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 Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://adjesum.multiply.com/
Year established1997
Head of InstitutionSr. Bernadette R. Dollete, CSJ
Regions active
# Branches9

Total Portfolio (nat'l)PhP 76,253,793
Total Portfolio (USD)USD 1,824,253.42
Active clients with loans9,525
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsPeople's Credit and Finance Corporation (PCFC), National Livelihood Development Corporation (NLDC), PinoyME Foundation, Responsible Investment for Solidarity Empowerment
FundersCatholic Relief Services

Loan Products » Summary

Asset
120 Borrowers
USD 64,320.74 Portfolio
Active Product
Educational
221 Borrowers
USD 3,789.31 Portfolio
Active Product
Regular
11,000 Borrowers
USD 461,158.13 Portfolio
Active Product
House Repair
276 Borrowers
USD 8,752.51 Portfolio
Active Product
Micro-Agri
300 Borrowers
USD 265,383.21 Portfolio
Active Product
MultiPurpose
1,200 Borrowers
USD 81,471.36 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Asset Acquisition - Land PHP 40,000 - 70,000 36 80% - 100% 20% - 40% Housing Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training
Educational Loan PHP 3,000 - 5,000 6 80% - 100% 0% - 20% Education Women, Men Credit Educ, Group Mtgs, Credit Ins, Business Training
Grameen I or Regular Loan PHP 3,000 - 60,000 6 - 12 80% - 100% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
House Repair Loan PHP 3,000 - 5,000 6 80% - 100% 20% - 40% Housing Women, Men, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Micro-Agri Loan PHP 5,000 - 70,000 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Multi Purpose Loan PHP 5,000 - 15,000 6 - 12 80% - 100% 20% - 40% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Acquisition - Land 10.0% annual, Flat 1 Fee 2 Ins None N/A 73.8% 78.7% 13
Educational Loan 0.0% annual, Flat 1 Fee 2 Ins None N/A 12.3% 125% 0
Grameen I or Regular Loan 36.0% annual, Flat 1 Fee 2 Ins 1.00% loan amt 5.0% upfront 8.00-20.00 ongoing 73.8% - 81.8% 87% - 224% 31
House Repair Loan 12.0% annual, Flat 1 Fee 2 Ins None N/A 23.6% 174.9% 7
Micro-Agri Loan 36.0% annual, Flat 1 Fee 1 Ins None N/A 42.9% - 43.7% 44.4% - 56.4% 74
Multi Purpose Loan 36.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 20.00 ongoing 73.8% 102.6% - 139.1% 30
Institution Price Graph
Click to view Price Analysis Tool
  2. CIDRE
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CIDRE Calle Juan de la Cruz Torrez N° 1674, CercadoCochabamba, Bolivia28034
Data approved: 2013-08-02
Data version: 2
Age of data: 130 months
Choose version

Product

Credito Hipotecaria (USD) Product 4 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 8,446,409
Portfolio (USD)USD 8,446,409
Active Clients with Loans203
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
El financiamiento para este tipo de crédito es destinado a la compra, construcción, refacción o ampliación de vivienda, que se constituye en garantía; desde US$ 1.000 y hasta el 1% del patrimonio neto del CIDRE.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
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 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 institution7
# Regions for this product7
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,200
Maximum loan size68,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50015%
USD 1,500-5,00020%
USD 5,000-10,00020%
USD 10,000-15,00015%
USD 15,000-18,00015%
Greater than USD 18,00015%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term84.0 months
Approx average55.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months30%
Longer than 18 months60%
Grace Period
Grace period usage10%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 monthsx
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest17.00%
Highest quoted nominal interest25.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
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
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.60%
% of loan amount - max4.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationEl costo es de 0.05% mensual, con cargo sólo en el saldo de capital pendiente del préstamo.
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

Credito Hipotecaria (USD) samples
Sample 1Sample 2
Loan AmountUSD 8,500USD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2013-04-152013-03-20
Loan Term (Months)73.0 months61.0 months
Grace Period (Months)0.0 months0.1 months
Total Cost of CreditUSD 5,259.59USD 4,999.78
True Price by Comp   
Interest price component19.7%18.1%
Fee Component0.0%0.0%
Insurance Component0.6%0.5%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)20.3%18.6%
Transparency Index8491
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
Credito Hipotecaria (USD) Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞