Comparative report | MIX Market

Compare Alidé 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.

1. Choose data set

Country

Offices

Total assets

Personnel

Legend

All
Alidé

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	2,048,763	5,409,153
Offices	7	8
Personnel	37	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
Alidé

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	39.80%	22.28%
Debt to equity ratio	1.51	3.14
Deposits to loans	48.98%	17.93%
Deposits to total assets	36.72%	12.36%
Gross loan portfolio to total assets	74.98%	78.34%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

All
Alidé

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	8,066	7,997
Percent of women borrowers	94.88%	60.46%
Number of outstanding loans	8,066	8,293
Gross loan portfolio	1,536,104	3,614,788
Average loan balance per borrower	190	592
Average loan balance borrower per borrower / GNI per capita	33.41%	35.69%
Average outstanding balance	190	571
Average outstanding balance / GNI per capita	33.41%	34.39%
Number of depositors	8,056	641
Number of deposit accounts	8,056	1,728
Deposits	752,368	376,783
Average deposit balance per depositor	93	168
Average deposit balance per depositor / GNI per capita	16.00%	15.00%
Average deposit account balance	93	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
Alidé

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	-2.35%	2.10%
Return on equity	-6.14%	9.72%
Operational self sufficiency	91.71%	112.26%

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	26.63%	25.27%
Profit margin	-8.83%	11.04%
Yield on gross portfolio (nominal)	34.10%	30.77%
Yield on gross portfolio (real)	32.38%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
Alidé

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	29.04%	23.09%
Financial expense/ assets	1.11%	5.26%
Provision for loan impairment/ assets	2.59%	1.13%
Operating expense/ assets	25.35%	14.51%
Personnel expense/ assets	10.00%	8.07%
Administrative expense/ assets	15.34%	6.41%

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	32.75%	19.22%
Personnel expense/ loan portfolio	12.92%	10.70%
Average salary/ GNI per capita	10.01	3.69
Cost per borrower	67	137
Cost per loan	67	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
Alidé

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	218	98
Loans per staff member	218	102
Borrowers per loan officer	576	245
Loans per loan officer	576	252
Depositors per staff member	218	40
Deposit accounts per staff member	218	53
Personnel allocation ratio	37.84%	44.80%

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	7.37%	3.59%
Portfolio at risk > 90 days	5.64%	2.03%
Write-off ratio	2.48%	0.36%
Loan loss rate	2.32%	0.20%
Risk coverage	36.93%	75.73%
Non-earning liquid assets as a % of total assets	16.50%	11.99%

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	2,048,763	5,316,293
Cash and cash equivalents	338,141	726,418
Total trade and receivables	48,206	171,459
Financial assets at fair value	4,161	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	1,494,298	3,352,616
Gross loan portfolio	1,536,104	3,548,055
Impairment loss allowance	41,806	111,590
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	1,335	16,574
Net fixed assets	162,623	191,808
Liabilities and equity	2,048,763	5,293,138
Total liabilities	1,233,281	3,667,710
Deposits	752,368	414,688
Total borrowings	290,895	1,396,991
Subordinated debt	132,028	0
Other short term financial liabilities	—	4,040
Trade and other payables	57,990	150,045
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	815,482	1,220,875
Paid in capital	—	432,158
Retained earnings total	273,638	141,526
Share premium	—	0
Treasury shares	—	0
Donated equity total	509,056	156,609
Equity reserves	19,679	90,962
Other equity interest	13,109	0

	Alidé	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	8,066	8,019
Number of outstanding loans	8,066	8,456
Number of depositors	8,056	1,075
Number of deposit accounts	8,056	2,064

	Alidé	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	463,328	1,274,256
Interest and fee income	459,269	1,212,336
Revenue from interest	394,714	1,054,993
Interest income from loans	394,518	998,284
Financial revenue from investments	—	13,077
Other interest income	196	1,649
Fee and commission income	64,556	96,904
Fee income from loans	64,556	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	4,059	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	—	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	19,283	240,482
Interest and fee expense	19,283	261,393
Interest expense	13,774	250,036
Interest expense on borrowings	—	143,038
Interest expense on deposits	13,774	19,270
Interest expense on subordinated debt	—	0
Fee expense	5,509	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	5,509	0
Other fee and commission expense	—	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	45,029	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	47,233	67,799
Recovery loan losses	2,204	1,857
Operating expense	440,917	859,507
Personnel expense	173,990	481,282
Depreciation expense	43,592	34,214
Administrative expense	223,335	338,218
Net operating income	-40,903	82,728
Non operating income net	2,204	0
Net income before taxes and donations	-38,699	87,247
Tax expense	—	3,988
Net income after taxes before donations	-38,699	73,372
Donations	283,417	2,252
Net income after taxes and donations	244,719	107,069

	Alidé	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	47,233	68,757
Impairment loss recognised	60,116	72,579
Reversal of impairment loss	12,882	0
Other movements on impairment loss allowance	—	0
Exchange differences on impairment loss	—	0
Write offs	33,419	11,480

MIX Market

Alidé5Association de Lutte pour la promotion des Initiatives de Développement

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