AMSSF/MC3

Association Marocaine Societe Sans Frontieres / Micro-redit

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Institutional Characteristics
Institutional Characteristics
MFI name AMSSF/MC AMSSF/MC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 2
Currency USD USD
Fiscal year 2011 2011
Period type ANN ANN
As of date 2011-12-31 2011-12-31
Assets 7,993,706 7,993,706
OfficesOffices

Number, including head office

 		43 43
+ PersonnelPersonnel

Total number of staff members

 		172 172
86 —
Financing Structure
Financing Structure
MFI name AMSSF/MC AMSSF/MC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 2
Currency USD USD
Fiscal year 2011 2011
Period type ANN ANN
As of date 2011-12-31 2011-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		22.06% 22.06%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		3.53 3.53
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		0.00% 0.00%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		0.00% 0.00%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		69.20% 69.20%
Outreach Indicators
Outreach Indicators
MFI name AMSSF/MC AMSSF/MC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 2
Currency USD USD
Fiscal year 2011 2011
Period type ANN ANN
As of date 2011-12-31 2011-12-31
As of date 2011-12-31 2011-12-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

 		14,336 14,336
14,336 —
0 —
3,871 —
10,465 —
0 —
13,042 —
1,294 —
Percent of female borrowers 73.00% 73.00%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		14,336 14,336
13,592 —
— —
290 —
— —
454 —
— —
0 —
0 —
0 —
13,042 —
1,294 —
0 —
0 —
0 —
14,336 —
1,162 —
0 —
0 —
1,162 —
0 —
13,174 —
14,336 —
0 —
3,180 —
11,156 —
0 —
3,871 —
10,465 —
0 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		5,531,818 5,531,818
5,324,359 —
207,459 —
75,758 —
131,702 —
131,702 —
0 —
0 —
0 —
0 —
4,849,883 —
681,935 —
0 —
0 —
0 —
5,531,818 —
648,835 —
0 —
0 —
648,835 —
0 —
4,882,984 —
5,531,818 —
0 —
1,896,037 —
3,635,781 —
0 —
1,548,951 —
3,982,867 —
0 —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		386 386
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

 		386 386
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

 		0 0
0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		0 0
0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
+ DepositsDeposits

Total value of all deposit accounts

 		0 0
0 —
0 —
0 —
0 —
0 —
0 —
0 —
0 —
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		— —
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

 		— —
Overall Financial Performance
Overall Financial Performance
MFI name AMSSF/MC AMSSF/MC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 2
Currency USD USD
Fiscal year 2011 2011
Period type ANN ANN
As of date 2011-12-31 2011-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

 		-1.29% -1.29%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		-5.91% -5.91%
Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)

 		96.20% 96.20%
Revenues
Revenues
MFI name AMSSF/MC AMSSF/MC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 2
Currency USD USD
Fiscal year 2011 2011
Period type ANN ANN
As of date 2011-12-31 2011-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		32.71% 32.71%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		-3.95% -3.95%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		44.45% 44.45%
Yield on gross portfolio (real)Yield on gross portfolio (real)

(Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)

 		— —
Expenses
Expenses
MFI name AMSSF/MC AMSSF/MC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 2
Currency USD USD
Fiscal year 2011 2011
Period type ANN ANN
As of date 2011-12-31 2011-12-31
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

 		34.00% 34.00%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		4.29% 4.29%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		7.63% 7.63%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		22.08% 22.08%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		16.17% 16.17%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		5.92% 5.92%
Efficiency
Efficiency
MFI name AMSSF/MC AMSSF/MC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 2
Currency USD USD
Fiscal year 2011 2011
Period type ANN ANN
As of date 2011-12-31 2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		30.99% 30.99%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		22.69% 22.69%
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

 		121 121
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		121 121
Productivity
Productivity
MFI name AMSSF/MC AMSSF/MC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 2
Currency USD USD
Fiscal year 2011 2011
Period type ANN ANN
As of date 2011-12-31 2011-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

 		83 83
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		83 83
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		129 129
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		129 129
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		0 0
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		0 0
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		64.53% 64.53%
Risk And Liquidity
Risk And Liquidity
MFI name AMSSF/MC AMSSF/MC
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3 2
Currency USD USD
Fiscal year 2011 2011
Period type ANN ANN
As of date 2011-12-31 2011-12-31
As of date 2011-12-31 2011-12-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

 		3.75% 3.75%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio

 		2.38% 2.38%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		14.30% 14.30%
Loan loss rateLoan loss rate

(Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio

 		12.73% 12.73%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		77.42% 77.42%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		25.22% 25.22%