Asociación Fondo para el Desarrollo Solidario

FONDESOL4

Asociación Fondo para el Desarrollo Solidario

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Institutional Characteristics

Institutional Characteristics
MFI name	FONDESOL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Assets	19,348,469
OfficesOffices Number, including head office	17
+ PersonnelPersonnel Total number of staff members	180
+ Gender
Female	45

Financing Structure

Financing Structure
MFI name	FONDESOL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	17.12%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	4.84
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	88.47%

Outreach Indicators

Outreach Indicators
MFI name	FONDESOL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	46,052
+ Relationship
External customers	46,052
Management and staff	0
+ Gender
Male	13,406
Female	32,646
Legal entity	0
+ Location
Urban	0
Rural	46,052
Percent of female borrowers	70.89%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	46,052
+ Delinquency
Less than one month	42,676
+ One month or more	—
From one to three months	1,872
+ More than three months	—
From three to six months	632
+ More than six months	—
From six to twelve months	437
One year or more	295
Renegotiated loans	140
+ Location
Urban	0
Rural	46,052
+ Products (credit)
Loans to corporations	0
Loans to financial institutions	0
Loans to governments	0
+ Retail loans	46,052
+ Household financing	0
Consumption	0
Education	0
Mortgage housing	0
Household other	0
Microenterprise	46,052
+ Relationship
External customers	46,052
Management and staff	0
+ Methodology
Individual	2,951
Solidarity group	2,163
Village banking s h g	40,938
+ Gender
Male	13,406
Female	32,646
Legal entity	0
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	17,117,270
+ Delinquency
Less than one month	16,230,807
+ One month or more	832,150
From one to three months	284,941
+ More than three months	547,208
From three to six months	226,370
+ More than six months	320,838
From six to twelve months	207,212
One year or more	113,626
Renegotiated loans	54,313
+ Location
Urban	0
Rural	17,117,270
+ Products (credit)
Loans to corporations	0
Loans to financial institutions	0
Loans to governments	0
+ Retail loans	17,117,270
+ Household financing	0
Consumption	0
Education	0
Mortgage housing	0
Household other	0
Microenterprise	17,117,270
+ Relationship
External customers	17,117,270
Management and staff	0
+ Methodology
Individual	4,343,514
Solidarity group	1,474,007
Village banking s h g	11,299,749
+ Gender
Male	6,971,949
Female	10,145,321
Legal entity	0
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	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	372
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)
+ Retail deposits	0
Voluntary deposits	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	0
+ Products (deposits)
+ Retail deposits	0
Voluntary deposits	0
+ DepositsDeposits Total value of all deposit accounts	0
+ Products (deposits)
+ Retail deposits	0
Voluntary 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	FONDESOL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	1.08%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	6.53%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	104.01%

Revenues

Revenues
MFI name	FONDESOL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	28.10%
Profit marginProfit margin Net Operating Income / Financial Revenue	3.86%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	32.54%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	FONDESOL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	27.02%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	6.87%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	3.39%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	16.76%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	11.60%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	5.16%

Efficiency

Efficiency
MFI name	FONDESOL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	20.06%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	13.89%
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	75
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	75

Productivity

Productivity
MFI name	FONDESOL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	256
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	256
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	490
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	490
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	52.22%

Risk And Liquidity

Risk And Liquidity
MFI name	FONDESOL
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	5.18%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	3.51%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	3.06%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	3.06%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	89.72%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	11.69%

MFI Report

FONDESOL4

Asociación Fondo para el Desarrollo Solidario

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