- Total assets
- Gross loan portfolio
- Total equity
Institutional Characteristics
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-09-30 | 2006-09-30 | 2007-09-30 | |
| Currency | USD | USD | USD | |
| Total assets |
 |
37,248 | 98,007 | 247,590 |
| Offices |
 |
— | — | — |
| Personnel |
 |
6 | 7 | 9 |
Financing Structure
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-09-30 | 2006-09-30 | 2007-09-30 | |
| Capital/asset ratio |
 |
91.85% | 86.26% | 64.12% |
| Debt to equity ratio |
 |
0.09 | 0.16 | 0.56 |
| Deposits to loans |
|
— | — | — |
| Deposits to total assets |
|
— | — | — |
| Gross loan portfolio to total assets |
 |
92.91% | 97.41% | 90.70% |
Outreach
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-09-30 | 2006-09-30 | 2007-09-30 | |
| Currency | USD | USD | USD | |
| + Number of active borrowers |
 |
200 | 503 | 1,188 |
| — | 96 | 240 | 600 | |
| Percent of women borrowers |
 |
48.00% | 47.71% | 50.51% |
| Number of outstanding loans |
|
— | — | — |
| + Gross loan portfolio |
 |
34,608 | 95,468 | 224,572 |
| — | 0 | 0 | 0 | |
| Average loan balance per borrower |
 |
173 | 190 | 189 |
| Average loan balance borrower per borrower / GNI per capita |
 |
3.71% | 3.77% | 3.42% |
| Average outstanding balance |
|
— | — | — |
| Average outstanding balance / GNI per capita |
|
— | — | — |
| Number of depositors |
|
0 | 0 | 0 |
| Number of deposit accounts |
|
— | — | — |
| + Deposits |
|
— | — | — |
| — | — | — | — | |
| — | 0 | 0 | 0 | |
| Average deposit balance per depositor |
|
— | — | — |
| Average deposit balance per depositor / GNI per capita |
|
— | — | — |
| Average deposit account balance |
|
— | — | — |
| Average deposit account balance / GNI per capita |
|
— | — | — |
Overall Financial Performance
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-09-30 | 2006-09-30 | 2007-09-30 | |
| USD | USD | USD | ||
| Return on assets |
 |
— | 0.09% | 3.87% |
| Return on equity |
 |
— | 0.10% | 5.49% |
| Operational self sufficiency |
 |
594.15% | 100.48% | 126.10% |
Revenues
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-09-30 | 2006-09-30 | 2007-09-30 | |
| USD | USD | USD | ||
| Financial revenue/ assets |
 |
— | 21.44% | 21.37% |
| Profit margin |
 |
83.17% | 0.47% | 20.70% |
| Yield on gross portfolio (nominal) |
|
— | — | — |
| Yield on gross portfolio (real) |
|
— | — | — |
Expenses
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-09-30 | 2006-09-30 | 2007-09-30 | |
| USD | USD | USD | ||
| Total expense/ assets |
 |
— | 21.34% | 16.95% |
| Financial expense/ assets |
 |
— | 0.25% | 1.11% |
| Provision for loan impairment/ assets |
 |
— | 0.03% | 1.15% |
| Operating expense/ assets |
 |
— | 21.06% | 14.69% |
| Personnel expense/ assets |
|
— | — | — |
| Administrative expense/ assets |
|
— | — | — |
Efficiency
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-09-30 | 2006-09-30 | 2007-09-30 | |
| USD | USD | USD | ||
| Operating expense/ loan portfolio |
 |
— | 21.90% | 15.86% |
| Personnel expense/ loan portfolio |
|
— | — | — |
| Average salary/ GNI per capita |
|
— | — | — |
| Cost per borrower |
 |
— | 41 | 30 |
| Cost per loan |
|
— | — | — |
Productivity
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-09-30 | 2006-09-30 | 2007-09-30 | |
| Borrowers per staff member |
 |
33 | 72 | 132 |
| Loans per staff member |
|
— | — | — |
| Borrowers per loan officer |
|
— | — | — |
| Loans per loan officer |
|
— | — | — |
| Depositors per staff member |
|
0 | 0 | 0 |
| Deposit accounts per staff member |
|
— | — | — |
| Personnel allocation ratio |
|
— | — | — |
Risk and Liquidity
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-09-30 | 2006-09-30 | 2007-09-30 | |
| USD | USD | USD | ||
| Portfolio at risk > 30 days |
|
0.00% | 0.00% | 0.00% |
| Portfolio at risk > 90 days |
|
— | — | — |
| Write-off ratio |
|
— | 0.00% | 0.00% |
| Loan loss rate |
|
— | 0.00% | 0.00% |
| Risk coverage |
|
— | — | — |
| Non-earning liquid assets as a % of total assets |
|
— | — | — |