Association de Lutte pour la promotion des Initiatives de Développement

ALIDé5

Association de Lutte pour la promotion des Initiatives de Développement

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Institutional Characteristics

Institutional Characteristics
MFI name	ALIDé
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Assets	4,328,689
OfficesOffices Number, including head office	9
+ PersonnelPersonnel Total number of staff members	92
+ Gender
Female	29

Financing Structure

Financing Structure
MFI name	ALIDé
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	23.37%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	3.28
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	53.07%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	43.14%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	81.28%

Outreach Indicators

Outreach Indicators
MFI name	ALIDé
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	17,656
+ Relationship
External customers	17,621
Management and staff	35
+ Gender
Male	1,766
Female	15,445
Legal entity	445
+ Location
Urban	13,567
Rural	4,089
Percent of female borrowers	87.48%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	17,656
+ Delinquency
Less than one month	17,049
+ One month or more	—
From one to three months	84
+ More than three months	—
From three to six months	70
+ More than six months	—
From six to twelve months	121
One year or more	332
Renegotiated loans	0
+ Location
Urban	13,567
Rural	4,089
+ Products (credit)
Loans to corporations	0
Loans to financial institutions	0
Loans to governments	0
+ Retail loans	17,656
+ Household financing	274
Consumption	274
Education	0
Mortgage housing	0
Household other	0
Microenterprise	17,382
+ Relationship
External customers	17,621
Management and staff	35
+ Methodology
Individual	11,032
Solidarity group	6,624
Village banking s h g	0
+ Gender
Male	1,766
Female	15,445
Legal entity	445
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	3,518,304
+ Delinquency
Less than one month	3,399,432
+ One month or more	118,873
From one to three months	27,107
+ More than three months	91,765
From three to six months	20,337
+ More than six months	71,428
From six to twelve months	24,098
One year or more	47,330
Renegotiated loans	0
+ Location
Urban	2,845,713
Rural	672,592
+ Products (credit)
Loans to corporations	0
Loans to financial institutions	0
Loans to governments	0
+ Retail loans	3,518,304
+ Household financing	494,654
Consumption	494,654
Education	0
Mortgage housing	0
Household other	0
Microenterprise	3,023,650
+ Relationship
External customers	3,429,000
Management and staff	89,304
+ Methodology
Individual	3,120,808
Solidarity group	397,496
Village banking s h g	0
+ Gender
Male	1,060,473
Female	2,017,539
Legal entity	440,293
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	199
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	—
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	199
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	—
+ Number of depositorsNumber of depositors Number of depositors with any type of deposit account	30,370
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	30,370
+ Voluntary deposits	23,404
Demand deposits	23,404
Time deposits	0
Compulsory deposits	6,966
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	30,370
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	30,370
+ Voluntary deposits	23,404
Demand deposits	23,404
Time deposits	0
Compulsory deposits	6,966
+ DepositsDeposits Total value of all deposit accounts	1,867,271
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	1,867,271
+ Voluntary deposits	1,089,177
Demand deposits	1,089,177
Time deposits	0
Compulsory deposits	778,094
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	61
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	61
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	—

Overall Financial Performance

Overall Financial Performance
MFI name	ALIDé
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	2.01%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	8.87%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	108.33%

Revenues

Revenues
MFI name	ALIDé
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	26.13%
Profit marginProfit margin Net Operating Income / Financial Revenue	7.69%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	31.77%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	ALIDé
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	24.12%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	2.24%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.13%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	21.75%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	11.60%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	10.15%

Efficiency

Efficiency
MFI name	ALIDé
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	27.06%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	14.43%
Average salary/ GNI per capitaAverage salary/ GNI per capita Average Personnel Expense / GNI per capita	—
Cost per borrowerCost per borrower Operating Expense / Average Number of Active Borrowers	51
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	51

Productivity

Productivity
MFI name	ALIDé
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	192
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	192
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	552
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	552
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	330
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	330
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	34.78%

Risk And Liquidity

Risk And Liquidity
MFI name	ALIDé
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	3.38%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	2.61%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	3.03%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	2.77%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	43.52%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	8.22%

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Association de Lutte pour la promotion des Initiatives de Développement

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