Comparative report | MIX Market

Compare Emprender 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

Legend

All
Emprender

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	2,398,666	5,409,153
Offices	11	8
Personnel	72	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
Emprender

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	23.12%	22.28%
Debt to equity ratio	3.33	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	85.75%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

All
Emprender

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	7,502	7,997
Percent of women borrowers	79.73%	60.46%
Number of outstanding loans	7,502	8,293
Gross loan portfolio	2,056,807	3,614,788
Average loan balance per borrower	274	592
Average loan balance borrower per borrower / GNI per capita	21.76%	35.69%
Average outstanding balance	274	571
Average outstanding balance / GNI per capita	21.76%	34.39%
Number of depositors	—	641
Number of deposit accounts	—	1,728
Deposits	0	376,783
Average deposit balance per depositor	—	168
Average deposit balance per depositor / GNI per capita	—	15.00%
Average deposit account balance	—	157
Average deposit account balance / GNI per capita	—	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
Emprender

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	8.33%	2.10%
Return on equity	37.23%	9.72%
Operational self sufficiency	120.14%	112.24%

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	49.71%	25.27%
Profit margin	16.76%	11.03%
Yield on gross portfolio (nominal)	55.50%	30.77%
Yield on gross portfolio (real)	43.04%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
Emprender

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	41.38%	23.09%
Financial expense/ assets	6.60%	5.26%
Provision for loan impairment/ assets	4.15%	1.13%
Operating expense/ assets	30.62%	14.51%
Personnel expense/ assets	17.80%	8.07%
Administrative expense/ assets	12.82%	6.41%

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	35.19%	19.22%
Personnel expense/ loan portfolio	20.46%	10.70%
Average salary/ GNI per capita	4.47	3.69
Cost per borrower	86	137
Cost per loan	84	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
Emprender

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	104	98
Loans per staff member	104	102
Borrowers per loan officer	171	245
Loans per loan officer	171	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	61.11%	44.80%

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	2.48%	3.57%
Portfolio at risk > 90 days	2.33%	2.00%
Write-off ratio	1.49%	0.36%
Loan loss rate	1.36%	0.20%
Risk coverage	243.08%	76.09%
Non-earning liquid assets as a % of total assets	10.92%	11.99%

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	2,398,666	5,316,293
Cash and cash equivalents	261,876	721,678
Total trade and receivables	46,947	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	1,933,001	3,352,616
Gross loan portfolio	2,056,807	3,514,762
Impairment loss allowance	123,806	111,590
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	7,414	16,574
Net fixed assets	86,373	191,808
Liabilities and equity	2,398,666	5,293,138
Total liabilities	1,844,132	3,666,852
Deposits	0	414,688
Total borrowings	1,538,550	1,390,424
Subordinated debt	17,175	0
Other short term financial liabilities	—	4,040
Trade and other payables	33,703	147,016
Provisions for employee benefits	74,240	20,617
Deferred revenue	—	4,052
Current tax liabilities	9,644	8,389
Deferred tax liabilities	—	0
Total equity	554,534	1,177,566
Paid in capital	347,167	432,158
Retained earnings total	176,215	141,526
Share premium	—	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	31,151	90,962
Other equity interest	—	0

	Emprender	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	7,502	8,019
Number of outstanding loans	7,502	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	Emprender	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	1,022,529	1,272,266
Interest and fee income	1,001,824	1,212,336
Revenue from interest	892,190	1,054,993
Interest income from loans	886,597	998,284
Financial revenue from investments	5,508	13,077
Other interest income	85	1,649
Fee and commission income	109,633	96,904
Fee income from loans	106,726	58,055
Income from penalty fees	0	0
Fee and commission income from other financial services	850	0
Other fee and commission income	2,057	2
Other operating income	5,710	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	14,996	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	27,402	0
Financial expense	135,848	240,482
Interest and fee expense	158,773	261,393
Interest expense	153,224	250,036
Interest expense on borrowings	153,224	143,479
Interest expense on deposits	0	19,270
Interest expense on subordinated debt	0	0
Fee expense	5,549	984
Fee and commission expense on deposits	0	0
Fee and commission expense on borrowings	0	0
Other fee and commission expense	5,549	67
Other financial expense	-22,925	0
Net impairment loss, gross loan portfolio	85,321	52,251
Impairment loss (reversal of impairment loss), gross loan portfolio	87,589	67,799
Recovery loan losses	2,268	1,857
Operating expense	629,944	858,343
Personnel expense	366,155	481,282
Depreciation expense	21,248	34,214
Administrative expense	242,541	338,218
Net operating income	171,416	82,657
Non operating income net	-319	0
Net income before taxes and donations	171,097	87,247
Tax expense	0	3,988
Net income after taxes before donations	171,097	70,639
Donations	0	2,252
Net income after taxes and donations	171,097	106,932

	Emprender	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	87,589	68,757
Impairment loss recognised	87,589	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	26,624	11,444

MIX Market

Emprender5EMPRENDER Bolivia

1. Choose data set

2. Choose display options

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