MIX Microfinance Information eXchange

MIX Market

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Alidé5Association de Lutte pour la promotion des Initiatives de Développement

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
Total assets 320,200 328,300 747,911 1,430,492 2,048,763
Offices — — 5 7 7
Personnel 20 21 20 24 37

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Capital/asset ratio 40.54% 57.84% 51.50% 36.09% 39.80%
Debt to equity ratio 1.47 0.73 0.94 1.77 1.51
Deposits to loans — — 54.36% 45.35% 48.98%
Deposits to total assets — — 41.56% 36.66% 36.72%
Gross loan portfolio to total assets 62.87% 84.16% 76.46% 80.84% 74.98%

Outreach

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
+ Number of active borrowers 1,653 3,039 3,114 5,070 8,066
— — — — — 8,056
— — — — — 8,056
— — — — — 10
— — — — — 403
— 1,653 2,917 2,999 4,715 7,653
— — — — — 7,835
— — — — — 221
— — — — — 5,754
— — — — — 2,302
Percent of women borrowers 100.00% 95.99% 96.31% 93.00% 94.88%
+ Number of outstanding loans — — 3,114 5,070 8,066
— — — 0 0 7,461
— — — — — —
— — — 0 0 139
— — — — — —
— — — 0 0 314
— — — — — —
— — — 0 0 142
— — — 0 0 —
— — — 0 0 —
— — — — — 403
— — — — — 7,653
— — — — — 5,754
— — — — — 2,302
— — — — — 8,056
— — — — — 8,056
— — — — — 10
— — — — — 7,835
— — — — — 221
+ Gross loan portfolio 201,300 276,300 571,822 1,156,434 1,536,104
— — — 551,734 1,121,155 1,422,901
— 42,500 16,900 20,088 35,279 —
— — — 7,815 12,862 26,543
— — — — — —
— — — 11,271 10,011 66,590
— — — — — —
— — — 1,003 12,406 20,071
— — — 0 0 0
— — — 0 0 0
— — — — — 307,221
— — — — — 1,228,883
— — — — — 1,220,205
— — — — — 315,899
— — — — — 1,504,331
— — — — — 1,504,331
— — — — — 31,773
— — — — — 1,123,711
— — — — — 412,393
Average loan balance per borrower 122 91 184 228 190
Average loan balance borrower per borrower / GNI per capita 27.06% 17.83% 34.65% 40.02% 33.41%
Average outstanding balance — — 184 228 190
Average outstanding balance / GNI per capita — — 34.65% 40.02% 33.41%
+ Number of depositors 2,093 3,512 3,114 5,563 8,056
— — — — — 8,056
+ Number of deposit accounts — — 3,114 5,563 8,056
— — — — — 8,056
+ Deposits — — 310,853 524,400 752,368
— — — 310,853 524,400 752,368
— 119,300 135,100 0 390,741 —
— — — 0 390,741 —
— — — 0 0 —
— — — 310,853 133,659 —
Average deposit balance per depositor — — 100 94 93
Average deposit balance per depositor / GNI per capita — — 19.00% 17.00% 16.00%
Average deposit account balance — — 100 94 93
Average deposit account balance / GNI per capita — — 0 0 0

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Return on assets -35.26% -23.07% -10.08% -2.42% -2.35%
Return on equity -103.13% -46.79% -18.86% -5.85% -6.14%
Operational self sufficiency 34.53% 48.84% 73.19% 90.68% 91.71%

Revenues

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Financial revenue/ assets 18.59% 22.02% 27.52% 23.54% 26.63%
Profit margin -189.64% -104.76% -36.63% -10.27% -8.83%
Yield on gross portfolio (nominal) — — 33.78% 29.44% 34.10%
Yield on gross portfolio (real) — — 28.90% 27.78% 32.38%

Expenses

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Total expense/ assets 53.85% 45.09% 37.60% 25.96% 29.04%
Financial expense/ assets 0.00% 0.00% 0.15% 1.03% 1.11%
Provision for loan impairment/ assets 2.66% 1.36% 2.25% 0.08% 2.59%
Operating expense/ assets 51.19% 43.73% 35.19% 24.85% 25.35%
Personnel expense/ assets — — 18.97% 10.86% 10.00%
Administrative expense/ assets — — 16.23% 13.99% 15.34%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Operating expense/ loan portfolio 50.05% 59.38% 44.66% 31.32% 32.75%
Personnel expense/ loan portfolio — — 24.07% 13.68% 12.92%
Average salary/ GNI per capita — — 9.39 9.43 10.01
Cost per borrower 82 60 62 66 67
Cost per loan — — — 66 67

Productivity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Borrowers per staff member 83 145 156 211 218
Loans per staff member — — 156 211 218
Borrowers per loan officer — — 195 338 576
Loans per loan officer — — 195 338 576
Depositors per staff member 105 167 156 232 218
Deposit accounts per staff member — — 156 232 218
Personnel allocation ratio — — 80.00% 62.50% 37.84%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Portfolio at risk > 30 days 21.11% 6.12% 3.51% 3.05% 7.37%
Portfolio at risk > 90 days — — 2.15% 1.94% 5.64%
Write-off ratio — — 1.55% 0.00% 2.48%
Loan loss rate — — 1.55% 0.00% 2.32%
Risk coverage 20.47% 26.04% 53.59% 36.70% 36.93%
Non-earning liquid assets as a % of total assets — — 10.37% 9.64% 16.50%