Comparative report | MIX Market

Compare Faulu - KEN 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

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Faulu - KEN

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	47,672,119	5,409,153
Offices	82	8
Personnel	780	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
Faulu - KEN

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	14.12%	22.28%
Debt to equity ratio	6.08	3.14
Deposits to loans	50.20%	17.93%
Deposits to total assets	39.63%	12.36%
Gross loan portfolio to total assets	78.94%	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
Faulu - KEN

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	91,105	7,997
Percent of women borrowers	48.00%	60.46%
Number of outstanding loans	98,959	8,293
Gross loan portfolio	37,630,058	3,614,788
Average loan balance per borrower	413	592
Average loan balance borrower per borrower / GNI per capita	64.54%	35.69%
Average outstanding balance	380	571
Average outstanding balance / GNI per capita	59.42%	34.39%
Number of depositors	91,105	641
Number of deposit accounts	98,959	1,728
Deposits	18,891,064	376,783
Average deposit balance per depositor	207	168
Average deposit balance per depositor / GNI per capita	32.00%	15.00%
Average deposit account balance	191	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
Faulu - KEN

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	-1.11%	2.10%
Return on equity	-7.08%	9.72%
Operational self sufficiency	97.70%	112.24%

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	21.28%	25.27%
Profit margin	-2.36%	11.03%
Yield on gross portfolio (nominal)	27.29%	30.77%
Yield on gross portfolio (real)	15.97%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
Faulu - KEN

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	21.78%	23.09%
Financial expense/ assets	3.45%	5.26%
Provision for loan impairment/ assets	0.70%	1.13%
Operating expense/ assets	17.63%	14.51%
Personnel expense/ assets	10.02%	8.07%
Administrative expense/ assets	7.61%	6.41%

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	25.62%	19.22%
Personnel expense/ loan portfolio	14.57%	10.70%
Average salary/ GNI per capita	10.68	3.69
Cost per borrower	92	137
Cost per loan	88	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
Faulu - KEN

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	117	98
Loans per staff member	127	102
Borrowers per loan officer	175	245
Loans per loan officer	190	252
Depositors per staff member	117	40
Deposit accounts per staff member	127	53
Personnel allocation ratio	66.79%	44.80%

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	3.43%	3.57%
Portfolio at risk > 90 days	3.02%	2.00%
Write-off ratio	0.40%	0.36%
Loan loss rate	0.38%	0.20%
Risk coverage	78.33%	76.09%
Non-earning liquid assets as a % of total assets	5.12%	11.99%

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	47,672,119	5,316,293
Cash and cash equivalents	2,438,431	721,678
Total trade and receivables	695,582	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	36,619,439	3,352,616
Gross loan portfolio	37,630,058	3,514,762
Impairment loss allowance	1,010,619	111,590
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	338,630	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	1,606,258	16,574
Net fixed assets	2,193,177	191,808
Liabilities and equity	47,672,119	5,293,138
Total liabilities	40,940,373	3,666,852
Deposits	18,891,064	414,688
Total borrowings	20,968,988	1,390,424
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	705,566	147,016
Provisions for employee benefits	212,942	20,617
Deferred revenue	36,991	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	124,822	0
Total equity	6,731,745	1,177,566
Paid in capital	768,246	432,158
Retained earnings total	3,093,784	141,526
Share premium	2,869,715	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	Faulu - KEN	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	91,105	8,019
Number of outstanding loans	98,959	8,456
Number of depositors	91,105	1,075
Number of deposit accounts	98,959	2,064

	Faulu - KEN	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	10,057,864	1,272,266
Interest and fee income	9,947,543	1,212,336
Revenue from interest	8,075,253	1,054,993
Interest income from loans	7,307,130	998,284
Financial revenue from investments	749,708	13,077
Other interest income	18,414	1,649
Fee and commission income	1,872,291	96,904
Fee income from loans	1,565,762	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	263,471	0
Other fee and commission income	43,058	2
Other operating income	111,200	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	50,631	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	-51,509	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	—	0
Financial expense	1,629,186	240,482
Interest and fee expense	1,629,186	261,393
Interest expense	1,629,186	250,036
Interest expense on borrowings	951,193	143,479
Interest expense on deposits	85,967	19,270
Interest expense on subordinated debt	—	0
Fee expense	—	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	—	0
Other fee and commission expense	—	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	332,867	52,251
Impairment loss (reversal of impairment loss), gross loan portfolio	336,604	67,799
Recovery loan losses	3,737	1,857
Operating expense	8,332,681	858,343
Personnel expense	4,736,405	481,282
Depreciation expense	226,880	34,214
Administrative expense	3,369,396	338,218
Net operating income	-236,870	82,657
Non operating income net	—	0
Net income before taxes and donations	-236,870	87,247
Tax expense	286,881	3,988
Net income after taxes before donations	-523,750	70,639
Donations	691,987	2,252
Net income after taxes and donations	168,237	106,932

	Faulu - KEN	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	336,604	68,757
Impairment loss recognised	336,604	72,579
Reversal of impairment loss	—	0
Other movements on impairment loss allowance	—	0
Exchange differences on impairment loss	—	0
Write offs	128,568	11,444

MIX Market

Faulu - KEN3Faulu Kenya Deposit Taking Microfinance Limited

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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