Cooperativa de Ahorro y Credito Kullki Wasi

COAC Kullki Wasi4

Cooperativa de Ahorro y Credito Kullki Wasi

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Institutional Characteristics

Institutional Characteristics
MFI name	COAC Kullki Wasi	COAC Kullki Wasi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Assets	23,806,314	—
OfficesOffices Number, including head office	8	—
+ PersonnelPersonnel Total number of staff members	70	—
+ Gender
Female	29	—

Financing Structure

Financing Structure
MFI name	COAC Kullki Wasi	COAC Kullki Wasi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	8.86%	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	10.29	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	97.04%	82.80%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	82.43%	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	84.95%	—

Outreach Indicators

Outreach Indicators
MFI name	COAC Kullki Wasi	COAC Kullki Wasi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
As of date	2011-12-31	2012-09-30
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	8,655	9,270
+ Gender
Male	1,700	—
Female	6,955	6,523
Legal entity	0	—
+ Relationship
External customers	8,587	—
Management and staff	68	—
+ Location
Urban	869	—
Rural	7,786	—
+ Products (credit)
+ Retail loans	—	—
Microenterprise	—	8,350
Percent of female borrowers	80.36%	70.37%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	8,655	—
+ Delinquency
Less than one month	6,833	—
+ One month or more	—	—
From one to three months	832	—
+ More than three months	—	—
From three to six months	212	—
+ More than six months	—	—
From six to twelve months	237	—
One year or more	541	—
Renegotiated loans	0	—
+ Methodology
Individual	8,655	—
Solidarity group	0	—
Village banking s h g	0	—
+ Location
Urban	869	—
Rural	7,786	—
+ Relationship
External customers	8,587	—
Management and staff	68	—
+ Gender
Male	1,700	—
Female	6,955	—
Legal entity	0	—
+ Products (credit)
+ Loans to corporations	0	—
Loans to large corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
Loans to small and medium enterprises	0	—
+ Retail loans	8,655	—
Microenterprise	7,945	—
+ Household financing	710	—
Education	0	—
Consumption	710	—
Household other	0	—
Mortgage housing	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	20,223,187	25,119,644
+ Delinquency
Less than one month	19,059,312	—
+ One month or more	1,163,875	1,783,290
From one to three months	183,043	—
+ More than three months	980,832	—
From three to six months	181,153	—
+ More than six months	799,679	—
From six to twelve months	280,674	—
One year or more	519,005	—
Renegotiated loans	0	—
+ Methodology
Individual	20,223,187	—
Solidarity group	0	—
Village banking s h g	0	—
+ Location
Urban	4,974,903	—
Rural	15,248,284	—
+ Relationship
External customers	19,466,984	—
Management and staff	756,203	—
+ Gender
Male	7,227,796	—
Female	12,995,391	—
Legal entity	0	—
+ Products (credit)
+ Loans to corporations	0	—
Loans to large corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
Loans to small and medium enterprises	0	—
+ Retail loans	20,223,187	—
Microenterprise	19,387,262	24,099,507
+ Household financing	835,925	—
Education	0	—
Consumption	835,925	—
Household other	0	—
Mortgage housing	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	2,337	2,710
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	54.67%	63.40%
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	2,337	—
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	54.67%	—
Number of depositorsNumber of depositors Number of depositors with any type of deposit account	37,815	—
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	38,500	—
+ DepositsDeposits Total value of all deposit accounts	19,623,737	20,799,339
+ Products (deposits)
Deposits from corporations	0	—
Deposits from financial institutions	0	—
Deposits from governments	0	—
+ Retail deposits	19,623,737	—
+ Voluntary deposits	16,809,398	—
Demand deposits	5,042,976	—
Time deposits	11,766,422	—
Compulsory deposits	2,814,339	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	519	—
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	12.00%	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	510	—
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	12.00%	—

Overall Financial Performance

Overall Financial Performance
MFI name	COAC Kullki Wasi	COAC Kullki Wasi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	0.03%	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	0.28%	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	100.14%	—

Revenues

Revenues
MFI name	COAC Kullki Wasi	COAC Kullki Wasi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	18.38%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	0.14%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	19.46%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	14.43%	—

Expenses

Expenses
MFI name	COAC Kullki Wasi	COAC Kullki Wasi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	18.36%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	7.45%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.27%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	10.63%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	4.95%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	5.68%	—

Efficiency

Efficiency
MFI name	COAC Kullki Wasi	COAC Kullki Wasi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	12.18%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	5.67%	—
Average salary/ GNI per capitaAverage salary/ GNI per capita Average Personnel Expense / GNI per capita	3.24	—
Cost per borrowerCost per borrower Operating Expense / Average Number of Active Borrowers	243	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	238	—

Productivity

Productivity
MFI name	COAC Kullki Wasi	COAC Kullki Wasi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	124	—
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	124	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	361	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	361	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	540	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	550	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	34.29%	—

Risk And Liquidity

Risk And Liquidity
MFI name	COAC Kullki Wasi	COAC Kullki Wasi
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
As of date	2011-12-31	2012-09-30
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	5.76%	7.10%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	4.85%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.49%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.49%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	63.19%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	10.95%	—

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COAC Kullki Wasi4

Cooperativa de Ahorro y Credito Kullki Wasi

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