Emprender4

Programa de Apoyo para el Desarrollo de la Microempresa Emprender Bolivia

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Institutional Characteristics
Institutional Characteristics
MFI name Emprender Emprender
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		2 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Assets 6,370,578 6,355,518
OfficesOffices

Number, including head office

 		15 14
+ PersonnelPersonnel

Total number of staff members

 		132 134
52 —
Financing Structure
Financing Structure
MFI name Emprender Emprender
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		2 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		14.55% 15.22%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		5.87 5.57
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

 		0.00% —
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

 		0.00% —
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

 		84.15% 83.46%
Outreach Indicators
Outreach Indicators
MFI name Emprender Emprender
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		2 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
As of date 2011-12-31 2012-03-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

 		9,269 9,321
3,837 3,962
380 345
6,038 6,052
9,269 —
0 —
2,524 2,610
6,745 6,711
0 —
8,522 8,562
747 759
Percent of female borrowers 72.77% 72.00%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		10,254 —
0 —
0 —
0 —
10,254 —
8 —
0 —
8 —
0 —
0 —
10,246 —
9,511 —
— —
127 —
— —
207 —
— —
310 —
41 —
58 —
3,837 —
379 —
6,038 —
10,254 —
0 —
2,792 —
7,462 —
0 —
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		5,360,636 5,304,620
5,208,872 5,118,309
— 186,311
36,812 53,158
105,038 133,154
48,246 —
56,793 —
48,798 —
7,994 —
15,690 —
4,881,584 4,837,769
479,052 466,851
0 —
0 —
0 —
5,360,636 —
7,706 —
0 —
7,706 —
0 —
0 —
5,361,744 5,304,620
5,360,636 —
0 —
3,301,949 3,495,966
166,120 145,725
1,892,567 1,662,929
1,889,296 —
3,471,340 —
0 —
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		578 569
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

 		— —
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

 		523 —
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

 		— —
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

 		0 —
0 —
0 —
0 —
0 —
0 —
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		0 —
0 —
0 —
0 —
0 —
0 —
+ DepositsDeposits

Total value of all deposit accounts

 		0 —
0 —
0 —
0 —
0 —
0 —
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

 		— —
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

 		— —
Overall Financial Performance
Overall Financial Performance
MFI name Emprender Emprender
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		2 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

 		1.69% 2.60%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		11.33% 17.60%
Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)

 		104.53% 106.84%
Revenues
Revenues
MFI name Emprender Emprender
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		2 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		38.87% 40.60%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		4.34% 6.40%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		32.48% —
Yield on gross portfolio (real)Yield on gross portfolio (real)

(Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)

 		— —
Expenses
Expenses
MFI name Emprender Emprender
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		2 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

 		37.19% 38.00%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		7.51% 7.60%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		2.52% 1.30%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		27.16% 29.11%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		16.44% —
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		10.72% 29.11%
Efficiency
Efficiency
MFI name Emprender Emprender
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		2 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		34.40% 34.69%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		20.82% —
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

 		— —
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

 		174 200
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		158 —
Productivity
Productivity
MFI name Emprender Emprender
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		2 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

 		70 70
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		78 —
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		125 —
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		139 —
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

 		0 —
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

 		0 —
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

 		56.06% —
Risk And Liquidity
Risk And Liquidity
MFI name Emprender Emprender
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		2 -
Currency USD USD
Fiscal year 2011 2012
Period type ANN QTR
As of date 2011-12-31 2012-03-31
As of date 2011-12-31 2012-03-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

 		2.72% 3.51%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio

 		2.25% 2.51%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		1.08% —
Loan loss rateLoan loss rate

(Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio

 		0.72% -0.64%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		247.71% 209.22%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		14.09% 14.39%