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: 164 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

Loan Size/

Loan Term/

Custom

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	164
AJDFI	13,100	884,000	6	164
ARDCI	44,600	9,403,000	1	164
ASA Philippines	333,400	29,282,000	1	164
ASHI	35,400	5,231,000	6	164
ASKI	60,000	15,247,000	4	164
Bangko Kabayan	8,900	2,373,000	2	164
BSEI	600	73,000	2	164
CBI	8,100	2,010,000	5	164
CCT	70,300	9,504,000	4	164
CEV	35,400	5,111,000	4	164
DSPI	59,300	3,676,000	3	164
ECLOF	5,400	1,836,000	4	164
FCB	12,000	2,392,000	2	164
FMB	2,700	710,000	2	164
GM Bank	23,500	1,553,000	3	164
HSPFI	19,100	1,899,000	2	164
JVOFI	1,300	281,000	1	164
Katipunan Bank	42,100	5,325,000	2	164
KDCI	20,500	2,095,000	3	164
KGI	32,300	3,421,000	4	164
KMBI	245,000	15,098,000	1	164
LTMPC	37,400	8,935,000	3	164
Mallig Plains	6,500	641,000	2	164
MILAMDEC	29,800	3,278,000	2	164
MWIMPC	11,800	1,740,000	4	163
NWTF	105,500	12,698,000	5	164
OFMPC	4,400	964,000	1	164
PBC	50,700	10,434,000	4	164
PCSD	700	167,000	1	164
PMPC	23,500	5,565,000	8	164
RB Angeles	900	1,502,000	2	164
RB Labason	500	289,000	1	164
RBLI	5,200	1,026,000	2	164
RBMI	11,900	1,750,000	2	164
RMB	100	173,000	1	164
RSPI	39,600	2,834,000	4	164
SAFRAGEMC	1,100	229,000	1	164
Salve	10,900	1,191,000	3	164
SEDP	27,000	3,914,000	3	164
TSKI	212,900	25,187,000	2	164
TSPI	264,500	31,290,000	7	164
Valient	1,700	672,000	2	164

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
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N (# of Samples)
Total Borrrowers of Samples


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By Country

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