Comparative report | MIX Market

Compare Fundación Esperanza 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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Offices

Total assets

Personnel

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Fundación Esperanza

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	2,645,247	5,409,153
Offices	8	8
Personnel	87	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
Fundación Esperanza

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	54.33%	22.28%
Debt to equity ratio	0.84	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	72.92%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

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All
Fundación Esperanza

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	17,374	7,997
Percent of women borrowers	86.96%	60.46%
Number of outstanding loans	17,374	8,293
Gross loan portfolio	1,928,785	3,614,788
Average loan balance per borrower	111	592
Average loan balance borrower per borrower / GNI per capita	3.12%	35.69%
Average outstanding balance	111	571
Average outstanding balance / GNI per capita	3.12%	34.39%
Number of depositors	—	641
Number of deposit accounts	—	1,728
Deposits	0	376,783
Average deposit balance per depositor	—	168
Average deposit balance per depositor / GNI per capita	—	15.00%
Average deposit account balance	—	157
Average deposit account balance / GNI per capita	—	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

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All
Fundación Esperanza

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	-3.38%	2.10%
Return on equity	-6.45%	9.72%
Operational self sufficiency	91.38%	112.24%

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	35.84%	25.27%
Profit margin	-9.43%	11.03%
Yield on gross portfolio (nominal)	44.26%	30.77%
Yield on gross portfolio (real)	35.92%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
Fundación Esperanza

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	39.23%	23.09%
Financial expense/ assets	3.87%	5.26%
Provision for loan impairment/ assets	-0.34%	1.13%
Operating expense/ assets	35.70%	14.51%
Personnel expense/ assets	19.93%	8.07%
Administrative expense/ assets	15.77%	6.41%

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	51.64%	19.22%
Personnel expense/ loan portfolio	28.83%	10.70%
Average salary/ GNI per capita	1.90	3.69
Cost per borrower	57	137
Cost per loan	57	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
Fundación Esperanza

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	200	98
Loans per staff member	200	102
Borrowers per loan officer	414	245
Loans per loan officer	414	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	48.28%	44.80%

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	4.66%	3.57%
Portfolio at risk > 90 days	2.28%	2.00%
Write-off ratio	—	0.36%
Loan loss rate	-0.90%	0.20%
Risk coverage	99.74%	76.09%
Non-earning liquid assets as a % of total assets	7.97%	11.99%

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	2,645,247	5,316,293
Cash and cash equivalents	210,949	721,678
Total trade and receivables	437,962	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	1,839,103	3,352,616
Gross loan portfolio	1,928,785	3,514,762
Impairment loss allowance	89,682	111,590
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	—	16,574
Net fixed assets	157,233	191,808
Liabilities and equity	2,645,247	5,293,138
Total liabilities	1,208,009	3,666,852
Deposits	0	414,688
Total borrowings	1,053,887	1,390,424
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	154,122	147,016
Provisions for employee benefits	—	20,617
Deferred revenue	—	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	1,437,238	1,177,566
Paid in capital	—	432,158
Retained earnings total	-490,242	141,526
Share premium	—	0
Treasury shares	—	0
Donated equity total	1,927,480	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	Fundación Esperanza	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	17,374	8,019
Number of outstanding loans	17,374	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	Fundación Esperanza	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	862,970	1,272,266
Interest and fee income	736,749	1,212,336
Revenue from interest	623,201	1,054,993
Interest income from loans	623,201	998,284
Financial revenue from investments	0	13,077
Other interest income	0	1,649
Fee and commission income	113,548	96,904
Fee income from loans	113,548	58,055
Income from penalty fees	0	0
Fee and commission income from other financial services	0	0
Other fee and commission income	0	2
Other operating income	126,221	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	0	0
Gains (losses) on disposals of property, plant and equipment	0	0
Gains (losses) on financial assets	—	—
Gains (losses) on financial liabilities at fair value through profit or loss	0	0
Gains (losses) on held-to-maturity investments	0	0
Gains (losses) on loans and receivables	0	0
Gains (losses) on available-for-sale financial assets	0	0
Gains (losses) on financial liabilities at amortised cost	0	0
Gains (losses) on net monetary position	0	0
Financial expense	93,126	240,482
Interest and fee expense	93,126	261,393
Interest expense	93,126	250,036
Interest expense on borrowings	93,126	143,479
Interest expense on deposits	0	19,270
Interest expense on subordinated debt	0	0
Fee expense	0	984
Fee and commission expense on deposits	0	0
Fee and commission expense on borrowings	0	0
Other fee and commission expense	—	67
Other financial expense	0	0
Net impairment loss, gross loan portfolio	-8,243	52,251
Impairment loss (reversal of impairment loss), gross loan portfolio	6,778	67,799
Recovery loan losses	15,021	1,857
Operating expense	859,507	858,343
Personnel expense	479,895	481,282
Depreciation expense	35,526	34,214
Administrative expense	344,086	338,218
Net operating income	-81,419	82,657
Non operating income net	1,395	0
Net income before taxes and donations	-80,024	87,247
Tax expense	0	3,988
Net income after taxes before donations	-80,024	70,639
Donations	1,189,774	2,252
Net income after taxes and donations	1,109,750	106,932

	Fundación Esperanza	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	6,778	68,757
Impairment loss recognised	6,778	72,579
Reversal of impairment loss	0	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	0	0
Write offs	0	11,444

MIX Market

Fundación Esperanza4Fundación Esperanza Internacional

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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