MIX Microfinance Information eXchange

MIX Market

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FATEN5Palestine for Credit & Development

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
Total assets 6,414,656 11,077,938 13,188,676 13,195,465 14,527,740
Offices 14 15 15 16 11
Personnel 57 66 63 55 57

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Capital/asset ratio 90.22% 92.02% 92.72% 92.52% 85.55%
Debt to equity ratio 0.11 0.09 0.08 0.08 0.17
Deposits to loans 2.06% 0.41% 0.17% 0.26% 0.12%
Deposits to total assets 0.61% 0.29% 0.10% 0.12% 0.09%
Gross loan portfolio to total assets 29.75% 71.29% 55.57% 48.55% 72.39%

Outreach

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
+ Number of active borrowers 3,319 4,777 4,560 3,771 4,895
— — — — — 49
— 3,294 4,730 4,514 3,733 4,905
— — — — — 0
— — — — — 4,895
— — — — — 4,895
— — — — — 59
— — — — — 4,616
— — — — — 279
— — — — — 1,224
— — — — — 3,671
Percent of women borrowers 99.25% 99.02% 98.99% 98.99% 100.20%
+ Number of outstanding loans 3,319 4,777 4,560 3,771 4,895
— — — — — 1,224
— — — — — 3,671
— 3,067 0 0 0 4,760
— — — — — —
— 148 0 0 0 56
— — — — — —
— 104 0 0 0 6
— — — — — —
— 0 0 0 0 73
— 0 0 0 0 —
— 0 0 0 0 0
— — — — — 4,616
— — — — — 279
— — — — — 4,895
— — — — — 4,895
— — — — — 59
— — — — — 49
— — — — — 4,905
— — — — — 0
+ Gross loan portfolio 1,908,513 7,897,061 7,328,729 6,406,353 10,516,002
— — — — — 5,579
— — — — — 16,737
— 1,584,066 7,757,346 2,696,629 5,563,126 21,639
— 324,447 139,715 4,632,100 376,204 —
— 190,851 85,200 861,055 8,052 282
— — — — — —
— 133,596 20,154 3,771,045 7,027 29
— — — — — —
— 0 34,361 0 361,125 367
— 0 0 0 0 0
— 0 0 0 0 0
— — — — — 21,238
— — — — — 1,079
— — — — — 22,317
— — — — — 22,317
— — — — — 492
— — — — — 137
— — — — — 22,180
— — — — — 0
Average loan balance per borrower 575 1,653 1,607 1,699 2,148
Average loan balance borrower per borrower / GNI per capita 48.32% 128.15% 124.59% 131.69% 166.54%
Average outstanding balance 575 1,653 1,607 1,699 2,148
Average outstanding balance / GNI per capita 48.32% 128.15% 124.59% 131.69% 166.54%
+ Number of depositors 0 837 505 525 1,270
— — — — — 1,270
— — — — — 0
— — — — — 1,270
— — — — — 64
— — — — — 1,206
— — — — — 0
+ Number of deposit accounts 0 0 505 525 1,270
— — — — — 1,270
— — — — — 0
— — — — — 1,270
— — — — — 64
— — — — — 1,206
— — — — — 0
+ Deposits 39,403 32,288 12,642 16,368 13,077
— 39,403 32,288 12,642 16,368 28
— 0 0 0 0 0
— 0 0 0 0 —
— 0 0 0 0 —
— 39,403 32,288 12,642 16,368 28
Average deposit balance per depositor — 39 25 31 10
Average deposit balance per depositor / GNI per capita — 3.00% 2.00% 2.00% 1.00%
Average deposit account balance — — 25 31 10
Average deposit account balance / GNI per capita — — 0 0 0

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Return on assets -4.26% -0.28% -1.08% -0.65% -2.17%
Return on equity -4.73% -0.31% -1.17% -0.70% -2.45%
Operational self sufficiency 68.95% 97.84% 89.81% 92.15% 82.62%

Revenues

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Financial revenue/ assets 9.46% 12.77% 9.55% 7.65% 10.34%
Profit margin -45.04% -2.20% -11.35% -8.52% -21.04%
Yield on gross portfolio (nominal) 39.50% 22.05% 13.98% 11.02% 15.45%
Yield on gross portfolio (real) 34.24% 17.96% 9.85% 8.11% 12.42%

Expenses

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Total expense/ assets 13.72% 13.05% 10.63% 8.30% 12.51%
Financial expense/ assets 0.00% 0.00% 0.01% 0.00% 0.02%
Provision for loan impairment/ assets -0.63% 1.96% 2.93% 1.67% 3.66%
Operating expense/ assets 14.35% 11.09% 7.70% 6.63% 8.83%
Personnel expense/ assets 10.43% 6.97% 5.30% 4.66% 5.45%
Administrative expense/ assets 3.92% 4.12% 2.39% 1.97% 3.38%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Operating expense/ loan portfolio 64.54% 19.78% 12.27% 12.73% 14.47%
Personnel expense/ loan portfolio 46.92% 12.43% 8.45% 8.95% 8.93%
Average salary/ GNI per capita 7.83 7.68 7.73 8.08 10.46
Cost per borrower 310 240 200 210 283
Cost per loan 310 240 200 210 283

Productivity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Borrowers per staff member 58 72 72 69 86
Loans per staff member 58 72 72 69 86
Borrowers per loan officer 81 111 147 126 181
Loans per loan officer 81 111 147 126 181
Depositors per staff member 0 13 8 10 22
Deposit accounts per staff member 0 0 8 10 22
Personnel allocation ratio 71.93% 65.15% 49.21% 54.55% 47.37%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Portfolio at risk > 30 days 17.00% 1.77% 63.20% 5.87% 3.04%
Portfolio at risk > 90 days 7.00% 0.69% 51.46% 5.75% 1.77%
Write-off ratio 0.00% 0.00% 0.00% 0.74% 0.89%
Loan loss rate -3.52% -0.42% -0.11% 0.60% 0.46%
Risk coverage 25.72% 197.41% 13.81% 217.67% 403.41%
Non-earning liquid assets as a % of total assets 54.43% 19.12% 43.07% 56.43% 31.35%