Enda Inter-Arabe

Enda4

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Institutional Characteristics

Institutional Characteristics
MFI name	Enda	Enda
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Assets	—	78,072,654
OfficesOffices Number, including head office	—	65
+ PersonnelPersonnel Total number of staff members	—	965
+ Gender
Female	—	476

Financing Structure

Financing Structure
MFI name	Enda	Enda
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	—	25.07%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—	2.99
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	—	92.74%

Outreach Indicators

Outreach Indicators
MFI name	Enda	Enda
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
As of date	2011-09-30	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	180,896	194,743
+ Location
Urban	—	122,207
Rural	—	72,536
+ Gender
Male	—	60,858
Female	124,818	133,885
Legal entity	—	0
Percent of female borrowers	69.00%	68.75%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	—	205,573
+ Gender
Male	—	62,233
Female	—	143,340
Legal entity	—	0
+ Products (credit)
Loans to corporations	—	36
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	205,537
+ Household financing	—	57,423
Consumption	—	0
Education	—	0
Mortgage housing	—	14,573
Household other	—	42,850
Microenterprise	—	148,114
+ Location
Urban	—	130,137
Rural	—	75,436
+ Methodology
Individual	—	205,573
Solidarity group	—	0
Village banking s h g	—	0
+ Delinquency
Less than one month	—	191,614
+ One month or more	—	—
From one to three months	—	2,398
+ More than three months	—	—
From three to six months	—	4,307
+ More than six months	—	—
From six to twelve months	—	7,178
One year or more	—	76
Renegotiated loans	—	0
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	69,633,908	72,404,123
+ Gender
Male	—	23,977,685
Female	—	48,426,438
Legal entity	—	0
+ Products (credit)
Loans to corporations	—	65,730
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	72,338,393
+ Household financing	—	14,766,528
Consumption	—	0
Education	—	0
Mortgage housing	—	6,721,585
Household other	—	8,044,943
Microenterprise	—	57,571,865
+ Location
Urban	—	47,025,273
Rural	—	25,378,850
+ Methodology
Individual	—	72,404,123
Solidarity group	—	0
Village banking s h g	—	0
+ Delinquency
Less than one month	—	68,829,260
+ One month or more	4,178,034	3,574,863
From one to three months	—	580,426
+ More than three months	—	2,994,437
From three to six months	—	998,223
+ More than six months	—	1,996,214
From six to twelve months	—	1,974,858
One year or more	—	21,356
Renegotiated loans	—	0
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	385	372
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	—	352
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
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
+ DepositsDeposits Total value of all deposit accounts	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	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	—	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	—	—
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	—	—

Overall Financial Performance

Overall Financial Performance
MFI name	Enda	Enda
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—	2.52%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—	9.22%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	112.52%

Revenues

Revenues
MFI name	Enda	Enda
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—	22.67%
Profit marginProfit margin Net Operating Income / Financial Revenue	—	11.12%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	23.32%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	Enda	Enda
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—	20.14%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	4.18%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—	2.33%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	13.64%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	9.88%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	3.76%

Efficiency

Efficiency
MFI name	Enda	Enda
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—	14.17%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	10.27%
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	—	53
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—	50

Productivity

Productivity
MFI name	Enda	Enda
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	—	202
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	213
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	—	379
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	—	400
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	—	53.26%

Risk And Liquidity

Risk And Liquidity
MFI name	Enda	Enda
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
As of date	2011-09-30	2011-12-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	—	4.94%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	—	4.14%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—	0.66%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	0.66%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—	89.22%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	1.29%

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