2. COOJAD
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperative De La Jeuneuse Pour L'Auto D'Emploi Et Developement Head OfficeKigaliPO Box 3739
Data approved: 2012-10-05
Data version: 2
Age of data: 144 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 116,837,850
Portfolio (USD)USD 185,457
Active Clients with Loans233
Approximate % Female Clients0% - 20%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
ces credits sont lies aux frais minervals et credits sociaux
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
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 institution3
# Regions for this product3
Regions ActiveGasabo, Kicukiro, Nyarugenge

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 50,000
Maximum loan size3,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00020%
RWF 500,000-1,500,00030%
RWF 1,500,000-2,500,00030%
RWF 2,500,000-3,500,00020%
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average13.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months20%
Between 13 and 18 months20%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Reason(s) why interest rate variesLoan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommission FeeProcessing Fee
% of loan amount - min1.00%1.50%
% of loan amount - max1.00%1.50%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Protection
% of loan amount - min0
% of loan amount - max1.00%
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

Autres Loan samples
Sample 1Sample 4Sample 5Sample 6
Loan AmountRWF 110,000RWF 1,000,000RWF 2,000,000RWF 3,000,000
Loan Cycle (1, 2, 3, etc)1222
Disbursement Date2012-08-012012-08-242012-07-192012-07-12
Loan Term (Months)3.1 months1.0 month1.0 month24.0 months
Grace Period (Months)0.1 months0.0 months0.0 months0.0 months
Total Cost of CreditRWF 7,150RWF 65,000RWF 130,000RWF 881,712
True Price by Comp       
Interest price component23.3%46.2%46.2%23.7%
Fee Component15.1%29.9%29.9%2.6%
Insurance Component0.0%0.0%0.0%0.0%
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)38.4%76.1%76.1%26.3%
Transparency Index1006363100
        
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MFT Pricing CalculationPDFPDFPDFPDF
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  2. ASHI
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.ashi.org.ph/
Year established1991
Head of InstitutionMila Mercado-Bunker
Regions active
# Branches21

Total Portfolio (nat'l)PhP 238,006,978
Total Portfolio (USD)USD 5,693,946.84
Active clients with loans31,322
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMicrofinance Council of the Philippines, Social Performance Taskforce, Social Performance Network, Grameen Global Network
FundersTRIAS, PCFC, Peace & Equity Foundation, KIVA

Loan Products » Summary

Center Loan
204 Borrowers
USD 8,356.98 Portfolio
Active Product
Education
3,590 Borrowers
USD 369,189.07 Portfolio
Active Product
General
19,732 Borrowers
USD 3,499,289.83 Portfolio
Active Product
Group
3,228 Borrowers
USD 505,472.85 Portfolio
Active Product
House Repair
8,000 Borrowers
USD 801,853.97 Portfolio
Active Product
Recovery
660 Borrowers
USD 47,454.43 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Center Loan PHP 1,000 - 50,000 6 - 24 80% - 100% 20% - 40% Other, Payment of past due of willful member Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Educational Loan PHP 3,000 - 20,000 6 - 24 80% - 100% 20% - 40% Education Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
General Loan PHP 3,000 - 50,000 6 - 24 80% - 100% 20% - 40% Business Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance
Group Fund Loan PHP 700 - 49,000 2 - 6 80% - 100% 20% - 40% Other Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
House Repair Loan PHP 3,000 - 20,000 6 - 24 80% - 100% 20% - 40% Housing Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Recovery Loan PHP 3,000 - 3,000 6 80% - 100% 20% - 40% Business Women 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
Center Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 33.1% - 44.3% 33.1% - 44.3% 65
Educational Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 47.3% - 48.4% 47.3% - 48.4% 52
General Loan 25.0% annual, Flat 1 Fee 2 Ins None 5.00 upfront 5.00 ongoing 70.1% 72.1% - 106.2% 31
Group Fund Loan 0.0% annual, Flat 1 Fee 0 Ins None N/A 17.3% - 19.8% 17.3% - 40.9% 0
House Repair Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 47.3% - 47.6% 47.3% - 47.6% 53
Recovery Loan 25.0% annual, Flat 0 Fees 0 Ins None None 47.3% - 48.4% 47.3% - 48.4% 52
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Key Statistics
# Samples:
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# 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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