MIX Microfinance Information eXchange

MIX Market

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ALSOL5Alternativa Solidaria Chiapas

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

Institutional Characteristics

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD
Total assets 1,186,915 2,577,842 3,923,949 4,096,698
Offices — 3 5 7
Personnel — 48 67 79

Financing Structure

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Capital/asset ratio 27.65% 37.65% 41.04% 51.86%
Debt to equity ratio — 1.66 1.44 0.93
Deposits to loans — 9.97% 10.79% 9.90%
Deposits to total assets — 7.05% 8.72% 8.50%
Gross loan portfolio to total assets 77.63% 70.72% 80.75% 85.79%

Outreach

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD
+ Number of active borrowers — 11,102 16,047 17,642
— — 11,102 16,047 17,642
— — — — 0
— — — — 17,642
— — — — 0
Percent of women borrowers — 100.00% 100.00% 100.00%
+ Number of outstanding loans — 11,102 16,047 17,642
— — 11,102 16,047 —
— — — — —
— — 0 0 —
— — — — —
— — 0 0 —
— — — — —
— — 0 0 —
— — 0 0 —
— — 0 0 —
— — — — —
— — — — 17,642
+ Gross loan portfolio 921,415 1,823,087 3,168,611 3,514,762
— — — — —
— — — — 3,514,762
— — 1,817,922 3,159,361 3,460,254
— — — — 3,484,612
— — 5,165 9,250 30,150
— — 980 4,566 17,589
— — — — —
— — 1,373 3,715 22,949
— — — — —
— — 2,812 969 13,273
— — 0 0 698
— — 0 0 0
Average loan balance per borrower — 164 197 199
Average loan balance borrower per borrower / GNI per capita — 1.88% 2.10% 2.12%
Average outstanding balance — 164 197 199
Average outstanding balance / GNI per capita — 1.88% 2.10% 2.12%
+ Number of depositors — 11,102 15,109 16,678
— — — — —
— — — — 0
— — — — 16,678
+ Number of deposit accounts — 11,102 15,109 16,678
— — — — —
— — — — 0
— — — — 16,678
+ Deposits — 181,732 341,999 348,104
— — 181,732 341,999 348,104
— — 0 0 0
— — 0 0 0
— — 0 0 0
— — 181,732 341,999 348,104
Average deposit balance per depositor — 16 23 21
Average deposit balance per depositor / GNI per capita — 0.00% 0.00% 0.00%
Average deposit account balance — 16 23 21
Average deposit account balance / GNI per capita — 0 0 0

Overall Financial Performance

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD
Return on assets — 10.24% 18.78% 26.34%
Return on equity — 29.67% 47.32% 56.57%
Operational self sufficiency — 134.76% 163.54% 181.57%

Revenues

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD
Financial revenue/ assets — 39.69% 48.34% 58.64%
Profit margin — 25.80% 38.85% 44.93%
Yield on gross portfolio (nominal) — 47.49% 56.20% 64.60%
Yield on gross portfolio (real) — 42.32% 50.24% 58.31%

Expenses

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD
Total expense/ assets — 29.45% 29.56% 32.29%
Financial expense/ assets — 2.81% 3.86% 2.70%
Provision for loan impairment/ assets — 1.17% 0.69% 1.56%
Operating expense/ assets — 25.47% 25.00% 28.03%
Personnel expense/ assets — 17.88% 15.57% 17.09%
Administrative expense/ assets — 7.58% 9.44% 10.95%

Efficiency

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD
Operating expense/ loan portfolio — 34.94% 32.57% 33.64%
Personnel expense/ loan portfolio — 24.53% 20.28% 20.51%
Average salary/ GNI per capita — — 0.94 1.00
Cost per borrower — — 60 67
Cost per loan — — 60 67

Productivity

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Borrowers per staff member — 231 240 223
Loans per staff member — 231 240 223
Borrowers per loan officer — 444 486 490
Loans per loan officer — 444 486 490
Depositors per staff member — 231 226 211
Deposit accounts per staff member — 231 226 211
Personnel allocation ratio — 52.08% 49.25% 45.57%

Risk and Liquidity

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD
Portfolio at risk > 30 days — 0.28% 0.29% 1.55%
Portfolio at risk > 90 days — 0.23% 0.15% 1.05%
Write-off ratio — 0.15% 0.12% 0.13%
Loan loss rate — 0.15% 0.12% 0.13%
Risk coverage — 444.29% 428.77% 143.59%
Non-earning liquid assets as a % of total assets — 26.03% 15.88% 11.78%