MIX Microfinance Information eXchange

MIX Market

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CEPRODEL5Centro de Promoción del Desarrollo Local

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

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
Total assets 5,317,318 7,068,113 8,939,820 13,836,033 14,277,583
Offices 16 21 24 25 25
Personnel 109 117 121 161 164

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Capital/asset ratio 35.06% 29.37% 24.89% 17.80% 16.28%
Debt to equity ratio 1.85 2.40 3.02 4.62 5.14
Deposits to loans 5.86% 5.64% 5.62% 6.62% 4.14%
Deposits to total assets 4.61% 4.67% 4.57% 4.92% 3.33%
Gross loan portfolio to total assets 78.68% 82.73% 81.22% 74.33% 80.44%

Outreach

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
+ Number of active borrowers 6,470 10,137 11,547 14,594 13,866
— — — — — 6,126
— 3,969 5,904 6,840 8,235 7,740
— — — — — 13,747
— — — — — 119
— — — — — 13,866
— — — — — 6,031
— — — — — 5,188
— — — — — 843
— — — — — 7,835
— — — — — 13,866
— — — — — 6,517
— — — — — 7,349
Percent of women borrowers 61.34% 58.24% 59.24% 56.43% 55.82%
+ Number of outstanding loans 6,557 10,289 11,868 14,594 13,866
— — — — — 13,866
— 6,143 9,402 10,785 13,548 11,713
— — — — — —
— 130 335 267 427 326
— — — — — —
— 173 143 304 277 274
— — — — — —
— 43 249 343 228 352
— 11 22 169 114 250
— 57 138 0 0 951
— — — — — 13,866
— — — — — 6,031
— — — — — 5,188
— — — — — 843
— — — — — 7,835
— — — — — 13,747
— — — — — 119
— — — — — 6,517
— — — — — 7,349
— — — — — 6,126
— — — — — 7,740
+ Gross loan portfolio 4,183,580 5,847,420 7,260,730 10,284,685 11,485,524
— — — — — 11,485,524
— 4,020,493 5,618,574 6,965,580 9,944,478 10,816,916
— 163,088 228,846 295,150 340,207 579,659
— 4,902 76,028 79,486 156,571 179,289
— — — — — —
— 45,055 13,013 69,327 92,544 110,325
— — — — — —
— 40,567 22,652 98,046 72,260 75,198
— 12,541 12,531 48,291 18,832 112,797
— 60,022 104,622 0 0 191,001
— — — — — 11,485,524
— — — — — 4,249,852
— — — — — 3,676,807
— — — — — 573,045
— — — — — 7,235,673
— — — — — 11,300,985
— — — — — 184,540
— — — — — 6,087,328
— — — — — 5,398,196
— — — — — 5,746,655
— — — — — 5,738,869
Average loan balance per borrower 647 577 629 705 828
Average loan balance borrower per borrower / GNI per capita 78.86% 64.81% 67.61% 71.18% 83.67%
Average outstanding balance 638 568 612 705 828
Average outstanding balance / GNI per capita 77.81% 63.86% 65.78% 71.18% 83.67%
+ Number of depositors 5,914 8,422 11,088 14,692 15,391
— — — — — 15,391
— — — — — 0
— — — — — 0
— — — — — 0
— — — — — 15,391
+ Number of deposit accounts 5,914 8,528 11,088 14,692 15,391
— — — — — 15,391
— — — — — 0
— — — — — 0
— — — — — 0
— — — — — 15,391
+ Deposits 245,207 329,998 408,156 680,677 475,863
— 245,207 329,998 408,156 680,677 475,863
— 0 0 0 0 0
— 0 0 0 0 0
— 0 0 0 0 0
— 245,207 329,998 408,156 680,677 475,863
Average deposit balance per depositor 41 39 37 46 31
Average deposit balance per depositor / GNI per capita 5.00% 4.00% 4.00% 5.00% 3.00%
Average deposit account balance 41 39 37 46 31
Average deposit account balance / GNI per capita 0 0 0 0 0

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Return on assets -1.44% 3.47% 3.93% 3.22% 0.23%
Return on equity -3.69% 10.92% 14.62% 15.63% 1.35%
Operational self sufficiency 94.52% 112.05% 113.59% 111.16% 100.84%

Revenues

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Financial revenue/ assets 24.14% 32.87% 32.96% 32.03% 27.58%
Profit margin -5.79% 10.76% 11.97% 10.04% 0.83%
Yield on gross portfolio (nominal) 25.52% 34.83% 33.81% 35.13% 34.67%
Yield on gross portfolio (real) 15.72% 23.02% 22.61% 21.60% 21.18%

Expenses

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Total expense/ assets 25.53% 29.34% 29.01% 28.81% 27.35%
Financial expense/ assets 6.66% 8.24% 8.46% 9.75% 6.79%
Provision for loan impairment/ assets 1.14% 2.85% 3.75% 2.21% 3.94%
Operating expense/ assets 17.74% 18.25% 16.80% 16.86% 16.63%
Personnel expense/ assets 10.14% 10.92% 10.24% 8.90% 9.06%
Administrative expense/ assets 7.59% 7.33% 6.56% 7.96% 7.57%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Operating expense/ loan portfolio 22.27% 22.53% 20.52% 21.88% 21.47%
Personnel expense/ loan portfolio 12.74% 13.48% 12.51% 11.55% 11.70%
Average salary/ GNI per capita 6.43 6.72 7.41 7.26 7.91
Cost per borrower 168 136 124 147 164
Cost per loan — 134 121 145 164

Productivity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Borrowers per staff member 59 87 95 91 85
Loans per staff member 60 88 98 91 85
Borrowers per loan officer 209 220 172 185 257
Loans per loan officer 212 224 177 185 257
Depositors per staff member 54 72 92 91 94
Deposit accounts per staff member 54 73 92 91 94
Personnel allocation ratio 28.44% 39.32% 55.37% 49.07% 32.93%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Portfolio at risk > 30 days 3.90% 3.91% 4.07% 3.31% 5.82%
Portfolio at risk > 90 days 3.78% 2.61% 2.97% 1.79% 4.26%
Write-off ratio 0.74% 2.92% 2.37% 3.41% 2.68%
Loan loss rate -0.28% 2.73% 2.32% 3.30% 2.67%
Risk coverage 106.70% 93.24% 115.10% 88.74% 80.81%
Non-earning liquid assets as a % of total assets 10.10% 4.76% 8.23% 14.96% 6.84%