2. IDEPRO
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  2. AJDFI
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Institution

IDEPRO DESARROLLO EMPRESARIAL CALLE CAMPOS NRO 132 ZONA SAN JORGELa Paz, La Paz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
Choose version

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: 163 months

Product

Crédito Individual - Pro Cadenas (USD) Product 5 of 12 « Prev | Next »

Product

Multi Purpose Loan Product 6 of 6 « Prev | Next »

Product Summary

Number borrowers767
Loan Amount (range)USD 244 - 47,000
Loan Term (range)3.7 - 72
Other Services (text summary)Credit Ins, El cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre
Annual Interest & Method13.0%-28.0% annual, Decl Bal
Fees
Insurance4.00%-14.00% ongoing
Tax15.00% Principal
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component15.2% - 29.6% (Int+Fee)
Insurance Component0 - 0.9%
Tax Component Range0 - 0.6%
Full APR (int fee ins tax dep)15.8% - 29.6%
Transparency Index (min/max)-1 - N/A
Transparency Index (average)58

Product Summary

1,200
PHP 5,000 - 15,000
6 - 12
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
36.0% annual, Flat
3.00% upfront
300.00 upfront 20.00 ongoing
None
5.0% upfront 20.00 ongoing
 
N/A
73.8% (Int+Fee)
1.3% - 151.3%
0 - 2.8%
102.6% - 139.1%
0 - 81
30

Product Details

Key Statistics
Outstanding portfolio (USD)USD 3,964,385
Portfolio (USD)USD 3,964,385
Active Clients with Loans767
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Financiamiento que se otorga a clientes de las cadenas productivas priorizadas por IDEPRO, destinado a financiar capital de operación, inversión y/o el pago de servicios empresariales.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCapital de operación, inversión y/o pago de servic
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherEl cliente puede optar por servicios financieros exclusivamente y/o requerir tambien servicios empre
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
OtherPertenecer a las cadenas productivas priorizadas por IDEPRO
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 (PHP)PHP 3,405,503
Portfolio (USD)USD 81,471.36
Active Clients with Loans1,200
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
Self help groupx
Other
Description
Additional loan or capital
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 244
Maximum loan size47,000
Loan Term and Grace Period
Shortest loan term3.7 months
Longest loan term72.0 months
Approx average42.4 months
Grace Period
Grace period usage10%
Average grace periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 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

Pricing Information

Interest
Lowest quoted nominal interest13.00%
Highest quoted nominal interest28.00%
Reason(s) why interest rate variesBranch, Loan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
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?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Si bien se registra 727 clientes, el nàºmero de operaciones es de 825, ya que hay muchos clientes que tinen más de un crédito activo.

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 20
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Crédito Individual - Pro Cadenas (USD) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 243.96USD 500USD 1,000USD 1,000USD 2,000USD 2,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-082010-06-122010-04-292011-03-182010-05-252011-03-18
Loan Term (Months)16.0 months12.0 months18.0 months32.0 months22.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component16.2%29.6%28.4%15.2%25.9%25.3%
Insurance Component0.4%0.0%0.0%0.4%0.0%0.4%
Tax Component0.3%0.0%0.0%0.1%0.0%0.1%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)16.9%29.6%28.4%15.8%25.9%25.9%
Transparency Index774446825050
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Multi Purpose Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 6,000PHP 8,000PHP 10,000PHP 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-02-142011-08-222011-04-182011-05-09
Loan Term (Months)11.7 months11.7 months11.7 months11.7 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component73.8%73.8%73.8%73.8%
Insurance Component41.0%30.7%24.5%16.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component24.3%19.0%16.1%12.5%
Full APR (int fee ins tax dep)139.1%123.5%114.4%102.6%
Transparency Index26293135
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Crédito Individual - Pro Cadenas (USD) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeIDEPROInstitutionBO-023-V01-P05ProductBOCountry2010YearRange Number1Institution Data Version05001,0001,5002,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 100709Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Multi Purpose Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyLoan PurposeAJDFIInstitutionPH-003-V01-P06ProductPHCountry2011YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 60030030Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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
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