Comparative report | MIX Market

Compare AFS to all MFIs.

Create a customized performance report. All peer group indicators are median values. Graphs show values from the 25th and 75th percentiles, with median midpoint. Data source: Unadjusted.

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Country

Offices

Total assets

Personnel

Legend

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
Currency	USD	USD
Total assets	4,618,757	5,409,153
Offices	4	8
Personnel	148	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
Capital/asset ratio	-0.25%	22.30%
Debt to equity ratio	-405.24	3.14
Deposits to loans	—	17.87%
Deposits to total assets	—	12.35%
Gross loan portfolio to total assets	76.40%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
Currency	USD	USD
Number of active borrowers	10,664	7,997
Percent of women borrowers	66.62%	60.46%
Number of outstanding loans	10,664	8,293
Gross loan portfolio	3,528,543	3,683,738
Average loan balance per borrower	331	592
Average loan balance borrower per borrower / GNI per capita	93.89%	35.69%
Average outstanding balance	331	571
Average outstanding balance / GNI per capita	93.89%	34.39%
Number of depositors	—	641
Number of deposit accounts	—	1,728
Deposits	0	376,783
Average deposit balance per depositor	—	168
Average deposit balance per depositor / GNI per capita	—	15.00%
Average deposit account balance	—	157
Average deposit account balance / GNI per capita	—	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
	USD	USD
Return on assets	-19.59%	2.10%
Return on equity	-289.34%	9.72%
Operational self sufficiency	53.83%	112.24%

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
	USD	USD
Financial revenue/ assets	22.84%	25.27%
Profit margin	-85.78%	11.03%
Yield on gross portfolio (nominal)	30.63%	30.77%
Yield on gross portfolio (real)	15.57%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
	USD	USD
Total expense/ assets	42.43%	23.09%
Financial expense/ assets	3.10%	5.26%
Provision for loan impairment/ assets	8.48%	1.13%
Operating expense/ assets	30.85%	14.51%
Personnel expense/ assets	19.59%	8.07%
Administrative expense/ assets	11.27%	6.41%

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
	USD	USD
Operating expense/ loan portfolio	42.59%	19.22%
Personnel expense/ loan portfolio	27.04%	10.70%
Average salary/ GNI per capita	18.84	3.69
Cost per borrower	123	137
Cost per loan	123	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
Borrowers per staff member	72	98
Loans per staff member	72	102
Borrowers per loan officer	—	245
Loans per loan officer	—	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	—	44.80%

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
	USD	USD
Portfolio at risk > 30 days	12.24%	3.59%
Portfolio at risk > 90 days	7.45%	2.03%
Write-off ratio	0.44%	0.36%
Loan loss rate	0.44%	0.20%
Risk coverage	90.74%	75.73%
Non-earning liquid assets as a % of total assets	26.81%	12.01%

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
Currency	USD	USD
Total assets	4,618,757	5,316,293
Cash and cash equivalents	1,238,383	726,418
Total trade and receivables	62,620	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	3,136,702	3,352,616
Gross loan portfolio	3,528,543	3,514,762
Impairment loss allowance	391,841	111,693
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	—	16,574
Net fixed assets	181,052	194,348
Liabilities and equity	4,618,757	5,293,138
Total liabilities	4,630,183	3,667,710
Deposits	0	414,688
Total borrowings	3,834,483	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	462,654	147,016
Provisions for employee benefits	—	20,617
Deferred revenue	333,045	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	-11,426	1,221,785
Paid in capital	0	434,291
Retained earnings total	-2,102,815	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	2,091,389	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	AFS	All
Number of MFIs	1	451
As of date	2009-03-31	2008
Number of active borrowers	10,664	8,019
Number of outstanding loans	10,664	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	AFS	All
Number of MFIs	1	451
Start date	2008-04-01	2008
As of date	2009-03-31	2008
Currency	USD	USD
Operating income	952,513	1,274,256
Interest and fee income	931,134	1,214,159
Revenue from interest	931,134	1,052,533
Interest income from loans	925,389	1,006,275
Financial revenue from investments	5,745	13,077
Other interest income	—	1,649
Fee and commission income	0	99,115
Fee income from loans	—	58,341
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	44,192	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	-22,813	0
Gains (losses) on disposals of property, plant and equipment	—	0
Gains (losses) on financial assets	—	—
Gains (losses) on financial liabilities at fair value through profit or loss	—	0
Gains (losses) on held-to-maturity investments	—	0
Gains (losses) on loans and receivables	—	0
Gains (losses) on available-for-sale financial assets	—	0
Gains (losses) on financial liabilities at amortised cost	—	0
Gains (losses) on net monetary position	—	0
Financial expense	129,409	244,969
Interest and fee expense	129,409	261,158
Interest expense	129,409	250,210
Interest expense on borrowings	129,409	144,062
Interest expense on deposits	—	19,622
Interest expense on subordinated debt	—	0
Fee expense	0	1,018
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	—	0
Other fee and commission expense	—	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	353,541	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	353,541	68,636
Recovery loan losses	—	1,921
Operating expense	1,286,635	859,273
Personnel expense	816,844	482,694
Depreciation expense	53,784	34,247
Administrative expense	416,006	338,218
Net operating income	-817,072	82,728
Non operating income net	0	0
Net income before taxes and donations	-817,072	87,893
Tax expense	0	4,006
Net income after taxes before donations	-817,072	73,372
Donations	0	2,365
Net income after taxes and donations	-817,072	106,932

	AFS	All
Number of MFIs	1	451
Start date	2008-04-01	2008
As of date	2009-03-31	2008
Currency	USD	USD
Impairment loss (reversal of impairment loss), gross loan portfolio	353,541	68,878
Impairment loss recognised	353,541	72,579
Reversal of impairment loss	0	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	0	0
Write offs	13,171	11,480

MIX Market

AFS3Ariana Financial Services (Mercy Corps)

1. Choose data set

2. Choose display options

Offices

Total assets

Personnel

Legend

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend