2. CASUD
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Community Aid for Sustainable Development Head OfficeTamale, NorthernP.O. Box 2550
Data approved: 2013-03-14
Data version: 2
Age of data: 132 months
Choose version

Product

Business Loan Product 1 of 1 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 1,033,300
Portfolio (USD)USD 540,995
Active Clients with Loans1,101
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Designed for groups of women between 25-30 members. Loans used for business purposes.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
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 institution1
# Regions for this product1
Regions ActiveNorthern Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 100
Maximum loan size3,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term4.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage30%
Average grace period0.2 months
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 interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 300GHS 800GHS 1,500GHS 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-052013-01-102013-02-072012-12-27
Loan Term (Months)3.7 months3.7 months3.7 months3.7 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditGHS 30GHS 80GHS 150GHS 300
True Price by Comp       
Interest price component59.4%59.4%59.4%59.4%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component12.7%12.7%12.7%12.7%
Full APR (int fee ins tax dep)72.1%72.1%72.1%72.1%
Transparency Index42424242
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Business Loan Price Graphs


Click to view Price Analysis Tool
  2. AJDFI
Please note that the information you are viewing is 151 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: 151 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
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 ∞