Comparative report | MIX Market

Compare Asociación Arariwa 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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Asociación Arariwa

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	8,664,441	5,409,153
Offices	3	8
Personnel	90	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
Asociación Arariwa

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	38.31%	22.28%
Debt to equity ratio	1.61	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	77.83%	78.34%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

All
Asociación Arariwa

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	16,881	7,997
Percent of women borrowers	78.00%	60.46%
Number of outstanding loans	24,498	8,293
Gross loan portfolio	6,743,546	3,614,788
Average loan balance per borrower	399	592
Average loan balance borrower per borrower / GNI per capita	11.71%	35.69%
Average outstanding balance	275	571
Average outstanding balance / GNI per capita	8.07%	34.39%
Number of depositors	—	641
Number of deposit accounts	—	1,728
Deposits	0	376,783
Average deposit balance per depositor	—	168
Average deposit balance per depositor / GNI per capita	—	15.00%
Average deposit account balance	—	157
Average deposit account balance / GNI per capita	—	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
Asociación Arariwa

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	6.68%	2.10%
Return on equity	14.44%	9.72%
Operational self sufficiency	127.89%	112.26%

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	30.63%	25.27%
Profit margin	21.81%	11.04%
Yield on gross portfolio (nominal)	41.65%	30.77%
Yield on gross portfolio (real)	39.17%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
Asociación Arariwa

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	23.95%	23.09%
Financial expense/ assets	4.84%	5.26%
Provision for loan impairment/ assets	1.43%	1.13%
Operating expense/ assets	17.68%	14.51%
Personnel expense/ assets	12.20%	8.07%
Administrative expense/ assets	5.48%	6.41%

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	23.01%	19.22%
Personnel expense/ loan portfolio	15.88%	10.70%
Average salary/ GNI per capita	3.19	3.69
Cost per borrower	83	137
Cost per loan	59	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
Asociación Arariwa

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	188	98
Loans per staff member	272	102
Borrowers per loan officer	281	245
Loans per loan officer	408	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	66.67%	44.80%

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	2.44%	3.59%
Portfolio at risk > 90 days	0.80%	2.03%
Write-off ratio	0.56%	0.36%
Loan loss rate	-0.15%	0.20%
Risk coverage	111.49%	75.73%
Non-earning liquid assets as a % of total assets	9.91%	11.99%

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	8,664,441	5,316,293
Cash and cash equivalents	858,987	726,418
Total trade and receivables	193,331	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	6,560,207	3,352,616
Gross loan portfolio	6,743,546	3,548,055
Impairment loss allowance	183,339	111,590
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	1,047,516	191,808
Liabilities and equity	8,664,441	5,293,138
Total liabilities	5,345,089	3,667,710
Deposits	0	414,688
Total borrowings	5,342,238	1,396,991
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	-56,311	150,045
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	59,162	8,389
Deferred tax liabilities	—	0
Total equity	3,319,351	1,220,875
Paid in capital	1,623,605	432,158
Retained earnings total	1,064,669	141,526
Share premium	—	0
Treasury shares	—	0
Donated equity total	631,077	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	Asociación Arariwa	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	16,881	8,019
Number of outstanding loans	24,498	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	Asociación Arariwa	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	2,118,508	1,274,256
Interest and fee income	2,243,988	1,212,336
Revenue from interest	2,213,251	1,054,993
Interest income from loans	2,211,019	998,284
Financial revenue from investments	—	13,077
Other interest income	2,232	1,649
Fee and commission income	30,737	96,904
Fee income from loans	2,232	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	28,506	0
Other fee and commission income	—	2
Other operating income	—	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	-125,480	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	334,536	240,482
Interest and fee expense	334,536	261,393
Interest expense	310,048	250,036
Interest expense on borrowings	294,012	143,038
Interest expense on deposits	2,683	19,270
Interest expense on subordinated debt	—	0
Fee expense	24,488	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	—	0
Other fee and commission expense	24,488	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	99,202	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	136,886	67,799
Recovery loan losses	37,684	1,857
Operating expense	1,222,751	859,507
Personnel expense	843,875	481,282
Depreciation expense	40,619	34,214
Administrative expense	338,256	338,218
Net operating income	462,019	82,728
Non operating income net	-29,408	0
Net income before taxes and donations	432,611	87,247
Tax expense	—	3,988
Net income after taxes before donations	432,611	73,372
Donations	—	2,252
Net income after taxes and donations	432,611	107,069

	Asociación Arariwa	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	136,886	68,757
Impairment loss recognised	136,886	72,579
Reversal of impairment loss	—	0
Other movements on impairment loss allowance	535	0
Exchange differences on impairment loss	—	0
Write offs	29,781	11,480

MIX Market

Asociación Arariwa5

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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