Comparative report | MIX Market

Compare ALSOL 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
ALSOL

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	4,096,698	5,379,046
Offices	7	8
Personnel	79	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
ALSOL

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	51.86%	22.30%
Debt to equity ratio	0.93	3.14
Deposits to loans	9.90%	17.93%
Deposits to total assets	8.50%	12.36%
Gross loan portfolio to total assets	85.79%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

All
ALSOL

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	17,642	7,997
Percent of women borrowers	100.00%	60.46%
Number of outstanding loans	17,642	8,293
Gross loan portfolio	3,514,762	3,661,739
Average loan balance per borrower	199	592
Average loan balance borrower per borrower / GNI per capita	2.12%	35.69%
Average outstanding balance	199	571
Average outstanding balance / GNI per capita	2.12%	34.39%
Number of depositors	16,678	641
Number of deposit accounts	16,678	1,736
Deposits	348,104	376,783
Average deposit balance per depositor	21	168
Average deposit balance per depositor / GNI per capita	—	15.00%
Average deposit account balance	21	157
Average deposit account balance / GNI per capita	—	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
ALSOL

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	26.34%	2.10%
Return on equity	56.57%	9.72%
Operational self sufficiency	181.57%	112.24%

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	58.64%	25.27%
Profit margin	44.93%	11.03%
Yield on gross portfolio (nominal)	64.60%	30.77%
Yield on gross portfolio (real)	58.31%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
ALSOL

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	32.29%	23.09%
Financial expense/ assets	2.70%	5.26%
Provision for loan impairment/ assets	1.56%	1.13%
Operating expense/ assets	28.03%	14.51%
Personnel expense/ assets	17.09%	8.07%
Administrative expense/ assets	10.95%	6.41%

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	33.64%	19.22%
Personnel expense/ loan portfolio	20.51%	10.70%
Average salary/ GNI per capita	1.00	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
ALSOL

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	223	98
Loans per staff member	223	102
Borrowers per loan officer	490	245
Loans per loan officer	490	252
Depositors per staff member	211	40
Deposit accounts per staff member	211	54
Personnel allocation ratio	45.57%	44.80%

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	1.55%	3.59%
Portfolio at risk > 90 days	1.05%	2.03%
Write-off ratio	0.13%	0.36%
Loan loss rate	0.13%	0.20%
Risk coverage	143.59%	75.73%
Non-earning liquid assets as a % of total assets	11.78%	12.01%

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	4,096,698	5,293,138
Cash and cash equivalents	482,608	726,418
Total trade and receivables	38,200	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	3,436,496	3,352,616
Gross loan portfolio	3,514,762	3,514,762
Impairment loss allowance	78,266	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	139,394	194,348
Liabilities and equity	4,096,698	5,288,312
Total liabilities	1,972,254	3,667,710
Deposits	348,104	414,688
Total borrowings	1,500,112	1,381,184
Subordinated debt	0	0
Other short term financial liabilities	—	4,040
Trade and other payables	65,153	147,016
Provisions for employee benefits	—	20,617
Deferred revenue	0	4,052
Current tax liabilities	58,884	8,389
Deferred tax liabilities	0	0
Total equity	2,124,444	1,225,024
Paid in capital	0	434,291
Retained earnings total	1,478,068	142,164
Share premium	0	0
Treasury shares	—	0
Donated equity total	646,376	156,609
Equity reserves	0	90,962
Other equity interest	0	0

	ALSOL	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	17,642	8,019
Number of outstanding loans	17,642	8,456
Number of depositors	16,678	1,075
Number of deposit accounts	16,678	2,067

	ALSOL	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	2,351,477	1,263,896
Interest and fee income	2,337,990	1,214,159
Revenue from interest	2,189,917	1,052,533
Interest income from loans	2,158,685	1,006,275
Financial revenue from investments	31,232	13,077
Other interest income	—	1,649
Fee and commission income	148,073	99,115
Fee income from loans	0	58,341
Income from penalty fees	—	0
Fee and commission income from other financial services	148,073	0
Other fee and commission income	—	2
Other operating income	—	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	13,486	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	108,152	244,969
Interest and fee expense	108,152	261,158
Interest expense	108,152	250,210
Interest expense on borrowings	88,032	144,062
Interest expense on deposits	20,121	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	0
Other fee and commission expense	0	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	62,637	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	62,637	68,636
Recovery loan losses	0	1,921
Operating expense	1,124,285	859,273
Personnel expense	685,267	482,694
Depreciation expense	113,026	34,247
Administrative expense	325,991	338,218
Net operating income	1,056,403	82,657
Non operating income net	-34,209	0
Net income before taxes and donations	1,022,194	87,247
Tax expense	—	4,006
Net income after taxes before donations	1,022,194	73,372
Donations	29,273	2,365
Net income after taxes and donations	1,051,466	106,932

	ALSOL	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	62,637	68,878
Impairment loss recognised	—	72,579
Reversal of impairment loss	—	0
Other movements on impairment loss allowance	—	0
Exchange differences on impairment loss	—	0
Write offs	4,418	11,480

MIX Market

ALSOL5Alternativa Solidaria Chiapas

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