Bharathi Women Development Centre

BWDC4

Bharathi Women Development Centre

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Institutional Characteristics

Institutional Characteristics
MFI name	BWDC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2012-03-31
Assets	—
OfficesOffices Number, including head office	6
+ PersonnelPersonnel Total number of staff members	57
+ Gender
Female	24

Financing Structure

Financing Structure
MFI name	BWDC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2012-03-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	0.00%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	—

Outreach Indicators

Outreach Indicators
MFI name	BWDC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2012-03-31
As of date	2012-03-31
Currency	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	12,053
+ Location
Urban	11,424
Rural	629
+ Gender
Male	121
Female	11,932
Legal entity	0
Percent of female borrowers	99.00%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	12,053
+ Delinquency
Less than one month	11,932
+ One month or more	—
From one to three months	15
+ More than three months	—
From three to six months	74
+ More than six months	—
From six to twelve months	32
One year or more	0
Renegotiated loans	0
+ Location
Urban	11,424
Rural	629
+ Methodology
Individual	0
Solidarity group	12,053
Village banking s h g	0
+ Gender
Male	121
Female	11,932
Legal entity	0
+ Products (credit)
Loans to financial institutions	11,468
+ Loans to corporations	0
Loans to large corporations	0
Loans to governments	0
Loans to small and medium enterprises	0
+ Retail loans	585
Microenterprise	0
+ Household financing	585
Mortgage housing	0
Consumption	0
Education	0
Household other	585
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	1,345,309
+ Delinquency
Less than one month	1,335,058
+ One month or more	10,251
From one to three months	712
+ More than three months	9,539
From three to six months	5,582
+ More than six months	3,957
From six to twelve months	3,957
One year or more	0
Renegotiated loans	0
+ Location
Urban	1,274,280
Rural	71,029
+ Methodology
Individual	0
Solidarity group	1,345,309
Village banking s h g	0
+ Gender
Male	13,453
Female	1,331,856
Legal entity	0
+ Products (credit)
Loans to financial institutions	1,329,791
+ Loans to corporations	0
Loans to large corporations	0
Loans to governments	0
Loans to small and medium enterprises	0
+ Retail loans	15,518
Microenterprise	0
+ Household financing	15,518
Mortgage housing	0
Consumption	0
Education	0
Household other	15,518
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	112
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	7.53%
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	112
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	7.53%
+ Number of depositorsNumber of depositors Number of depositors with any type of deposit account	0
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	0
+ Voluntary deposits	0
Demand deposits	0
Time deposits	0
Compulsory deposits	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	0
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	0
+ Voluntary deposits	0
Demand deposits	0
Time deposits	0
Compulsory deposits	0
+ DepositsDeposits Total value of all deposit accounts	0
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	0
+ Voluntary deposits	0
Demand deposits	0
Time deposits	0
Compulsory deposits	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	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	—
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	BWDC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2012-03-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—

Revenues

Revenues
MFI name	BWDC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2012-03-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—
Profit marginProfit margin Net Operating Income / Financial Revenue	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	BWDC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2012-03-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—

Efficiency

Efficiency
MFI name	BWDC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2012-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—
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	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—

Productivity

Productivity
MFI name	BWDC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2012-03-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	211
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	211
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	389
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	389
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	0
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	0
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	54.39%

Risk And Liquidity

Risk And Liquidity
MFI name	BWDC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2012-03-31
As of date	2012-03-31
Currency	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	0.76%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.71%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.00%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.00%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—

MFI Report

BWDC4

Bharathi Women Development Centre

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