Comparative report | MIX Market

Compare AgroCapital 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

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All
AgroCapital

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	30,527,002	5,409,153
Offices	17	8
Personnel	198	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
AgroCapital

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	40.30%	22.28%
Debt to equity ratio	1.48	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	84.74%	78.34%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

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All
AgroCapital

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	20,602	7,997
Percent of women borrowers	66.22%	60.46%
Number of outstanding loans	20,602	8,293
Gross loan portfolio	25,868,262	3,661,739
Average loan balance per borrower	1,256	592
Average loan balance borrower per borrower / GNI per capita	99.65%	35.69%
Average outstanding balance	1,256	571
Average outstanding balance / GNI per capita	99.65%	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)

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All
AgroCapital

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	-1.04%	2.10%
Return on equity	-2.50%	9.72%
Operational self sufficiency	94.48%	112.26%

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	17.89%	25.27%
Profit margin	-5.84%	11.04%
Yield on gross portfolio (nominal)	23.24%	30.77%
Yield on gross portfolio (real)	13.36%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
AgroCapital

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	18.93%	23.09%
Financial expense/ assets	4.99%	5.26%
Provision for loan impairment/ assets	1.07%	1.13%
Operating expense/ assets	12.87%	14.51%
Personnel expense/ assets	6.67%	8.07%
Administrative expense/ assets	6.20%	6.41%

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	15.96%	19.22%
Personnel expense/ loan portfolio	8.27%	10.70%
Average salary/ GNI per capita	8.85	3.69
Cost per borrower	216	137
Cost per loan	216	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
AgroCapital

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	104	98
Loans per staff member	104	102
Borrowers per loan officer	196	245
Loans per loan officer	196	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	53.03%	44.80%

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	2.57%	3.59%
Portfolio at risk > 90 days	2.27%	2.03%
Write-off ratio	0.52%	0.36%
Loan loss rate	-0.41%	0.20%
Risk coverage	229.87%	75.73%
Non-earning liquid assets as a % of total assets	11.32%	11.99%

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	30,527,002	5,316,293
Cash and cash equivalents	3,455,164	721,678
Total trade and receivables	920,074	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	24,339,142	3,352,616
Gross loan portfolio	25,868,262	3,514,762
Impairment loss allowance	1,529,120	109,046
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	165,303	16,574
Net fixed assets	1,600,822	192,881
Liabilities and equity	30,527,002	5,293,138
Total liabilities	18,223,462	3,666,852
Deposits	0	414,688
Total borrowings	16,392,595	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	1,152,239	145,875
Provisions for employee benefits	29,899	20,617
Deferred revenue	—	4,052
Current tax liabilities	39,043	8,389
Deferred tax liabilities	—	0
Total equity	12,303,540	1,220,875
Paid in capital	5,343,099	434,291
Retained earnings total	2,852,928	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	3,247,163	90,962
Other equity interest	860,349	0

	AgroCapital	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	20,602	8,019
Number of outstanding loans	20,602	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	AgroCapital	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	5,143,351	1,274,256
Interest and fee income	5,856,870	1,214,159
Revenue from interest	5,525,280	1,052,533
Interest income from loans	5,387,586	998,284
Financial revenue from investments	123,534	13,077
Other interest income	14,159	1,649
Fee and commission income	331,590	99,375
Fee income from loans	0	58,055
Income from penalty fees	0	0
Fee and commission income from other financial services	0	0
Other fee and commission income	331,590	2
Other operating income	0	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	-713,518	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	1,433,936	240,482
Interest and fee expense	1,413,861	261,158
Interest expense	1,369,052	249,861
Interest expense on borrowings	1,300,452	143,968
Interest expense on deposits	0	19,270
Interest expense on subordinated debt	0	0
Fee expense	44,809	984
Fee and commission expense on deposits	0	0
Fee and commission expense on borrowings	0	0
Other fee and commission expense	44,809	67
Other financial expense	20,075	0
Net impairment loss, gross loan portfolio	308,730	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	524,166	68,494
Recovery loan losses	215,436	1,857
Operating expense	3,700,901	858,343
Personnel expense	1,917,129	481,547
Depreciation expense	209,456	34,234
Administrative expense	1,574,316	338,218
Net operating income	-300,217	82,657
Non operating income net	-38,275	0
Net income before taxes and donations	-338,492	87,893
Tax expense	0	3,988
Net income after taxes before donations	-338,492	73,372
Donations	0	2,252
Net income after taxes and donations	-338,492	105,419

	AgroCapital	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Impairment loss (reversal of impairment loss), gross loan portfolio	524,166	68,757
Impairment loss recognised	837,988	72,579
Reversal of impairment loss	313,822	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	-115,915	0
Write offs	120,733	11,480

MIX Market

AgroCapital5Fundación AgroCapital

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