Comparative report | MIX Market

Compare DINARI 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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All
DINARI

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	1,103,245	5,409,153
Offices	2	8
Personnel	59	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
DINARI

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	75.76%	22.30%
Debt to equity ratio	0.32	3.14
Deposits to loans	8.48%	17.87%
Deposits to total assets	4.09%	12.35%
Gross loan portfolio to total assets	48.25%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

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All
DINARI

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	9,723	7,997
Percent of women borrowers	—	60.46%
Number of outstanding loans	9,723	8,293
Gross loan portfolio	532,317	3,683,738
Average loan balance per borrower	55	592
Average loan balance borrower per borrower / GNI per capita	3.32%	35.69%
Average outstanding balance	55	571
Average outstanding balance / GNI per capita	3.32%	34.39%
Number of depositors	9,723	641
Number of deposit accounts	9,723	1,728
Deposits	45,130	376,783
Average deposit balance per depositor	5	168
Average deposit balance per depositor / GNI per capita	—	15.00%
Average deposit account balance	5	157
Average deposit account balance / GNI per capita	—	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

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All
DINARI

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	-5.86%	2.10%
Return on equity	-7.32%	9.72%
Operational self sufficiency	59.55%	112.24%

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	10.24%	25.27%
Profit margin	-57.27%	11.03%
Yield on gross portfolio (nominal)	20.41%	30.77%
Yield on gross portfolio (real)	13.25%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

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All
DINARI

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	17.19%	23.09%
Financial expense/ assets	1.35%	5.26%
Provision for loan impairment/ assets	1.28%	1.13%
Operating expense/ assets	14.56%	14.51%
Personnel expense/ assets	7.14%	8.07%
Administrative expense/ assets	7.42%	6.41%

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	30.30%	19.22%
Personnel expense/ loan portfolio	14.86%	10.70%
Average salary/ GNI per capita	1.04	3.69
Cost per borrower	18	137
Cost per loan	18	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

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All
DINARI

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	165	98
Loans per staff member	165	102
Borrowers per loan officer	360	245
Loans per loan officer	360	252
Depositors per staff member	165	40
Deposit accounts per staff member	165	53
Personnel allocation ratio	45.76%	44.80%

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	46.25%	3.59%
Portfolio at risk > 90 days	38.55%	2.03%
Write-off ratio	2.27%	0.36%
Loan loss rate	2.27%	0.20%
Risk coverage	6.26%	75.73%
Non-earning liquid assets as a % of total assets	17.22%	12.01%

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	1,103,245	5,316,293
Cash and cash equivalents	189,980	726,418
Total trade and receivables	216,286	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	516,907	3,352,616
Gross loan portfolio	532,317	3,514,762
Impairment loss allowance	15,411	111,693
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	29,362	16,574
Net fixed assets	150,711	194,348
Liabilities and equity	1,103,245	5,293,138
Total liabilities	267,395	3,667,710
Deposits	45,130	414,688
Total borrowings	0	1,381,184
Subordinated debt	210,234	0
Other short term financial liabilities	—	4,040
Trade and other payables	12,031	147,016
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	835,851	1,221,785
Paid in capital	178	434,291
Retained earnings total	-460,288	142,164
Share premium	0	0
Treasury shares	0	0
Donated equity total	1,295,961	156,609
Equity reserves	0	90,962
Other equity interest	0	0

	DINARI	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	9,723	8,019
Number of outstanding loans	9,723	8,456
Number of depositors	9,723	1,075
Number of deposit accounts	9,723	2,064

	DINARI	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	119,820	1,274,256
Interest and fee income	116,279	1,214,159
Revenue from interest	102,579	1,052,533
Interest income from loans	102,579	1,006,275
Financial revenue from investments	—	13,077
Other interest income	—	1,649
Fee and commission income	13,701	99,115
Fee income from loans	12,233	58,341
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	1,467	2
Other operating income	3,541	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	—	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	15,809	244,969
Interest and fee expense	3,043	261,158
Interest expense	3,043	250,210
Interest expense on borrowings	3,043	144,062
Interest expense on deposits	—	19,622
Interest expense on subordinated debt	—	0
Fee expense	0	1,018
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	—	0
Other fee and commission expense	—	67
Other financial expense	12,766	0
Net impairment loss, gross loan portfolio	14,961	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	14,961	68,636
Recovery loan losses	—	1,921
Operating expense	170,436	859,273
Personnel expense	83,568	482,694
Depreciation expense	12,735	34,247
Administrative expense	74,133	338,218
Net operating income	-68,620	82,728
Non operating income net	11,884	0
Net income before taxes and donations	-56,736	87,893
Tax expense	0	4,006
Net income after taxes before donations	-56,736	73,372
Donations	—	2,365
Net income after taxes and donations	-56,736	106,932

	DINARI	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	14,961	68,878
Impairment loss recognised	14,961	72,579
Reversal of impairment loss	0	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	0	0
Write offs	12,766	11,480

MIX Market

DINARI3Dian Bhuana Lestari Foundation

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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