MIX Microfinance Information eXchange

MIX Market

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Fundación Esperanza4Fundación Esperanza Internacional

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 862,772 1,243,785 1,500,908 2,169,781 2,645,247
Offices — — 7 7 8
Personnel — 40 47 55 87

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 33.28% 5.96% 19.06% 50.16% 54.33%
Debt to equity ratio 2.01 15.77 4.25 0.99 0.84
Deposits to loans — — 0.00% 0.00% 0.00%
Deposits to total assets — — 0.00% 0.00% 0.00%
Gross loan portfolio to total assets 38.60% 48.86% 63.87% 64.54% 72.92%

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 — 5,168 9,465 12,993 17,374
— — — — — 2,266
— — 4,651 7,945 11,303 15,108
— — — — — 17,374
— — — — — 17,374
— — — — — 869
— — — — — 16,505
Percent of women borrowers — 90.00% 83.94% 86.99% 86.96%
+ Number of outstanding loans — — 9,465 12,993 17,374
— — — — — 17,374
— — — — — 17,374
— — — 9,100 12,324 17,374
— — — — — —
— — — 284 551 —
— — — — — —
— — — 81 118 —
— — — — — —
— — — 0 0 —
— — — 0 0 0
— — — 0 0 0
— — — — — 869
— — — — — 16,505
+ Gross loan portfolio 333,028 607,656 958,620 1,400,354 1,928,785
— — — — — 1,928,785
— — — — — 1,928,785
— — — 925,923 1,360,902 1,838,866
— — — 32,697 39,451 —
— — — 26,360 27,522 45,875
— — — — — —
— — — 6,338 11,929 32,745
— — — — — —
— — — 0 0 11,298
— — — 0 0 0
— — — 0 0 0
— — — — — 192,878
— — — — — 1,735,906
Average loan balance per borrower — 118 101 108 111
Average loan balance borrower per borrower / GNI per capita — 5.11% 3.50% 3.03% 3.12%
Average outstanding balance — — 101 108 111
Average outstanding balance / GNI per capita — — 3.50% 3.03% 3.12%
Number of depositors — 0 0 0 0
Number of deposit accounts — — 0 0 0
+ Deposits — — 0 0 0
— — — 0 0 —
— 0 0 0 0 —
— — — 0 0 —
— — — 0 0 —
— — — 0 0 —
Average deposit balance per depositor — — — — —
Average deposit balance per depositor / GNI per capita — — — — —
Average deposit account balance — — — — —
Average deposit account balance / GNI per capita — — — — —

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 -69.98% -51.97% -36.91% -14.28% -3.38%
Return on equity -149.87% -303.06% -281.20% -38.15% -6.45%
Operational self sufficiency 33.12% 23.19% 41.95% 67.75% 91.38%

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 34.65% 15.69% 26.68% 30.01% 35.84%
Profit margin -201.94% -331.26% -138.36% -47.59% -9.43%
Yield on gross portfolio (nominal) — — 46.75% 45.68% 44.26%
Yield on gross portfolio (real) — — 36.42% 37.25% 35.92%

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 104.63% 67.66% 63.59% 44.30% 39.23%
Financial expense/ assets 2.81% 1.75% 5.52% 3.64% 3.87%
Provision for loan impairment/ assets 4.27% 1.65% 10.85% 5.12% -0.34%
Operating expense/ assets 97.55% 64.26% 47.22% 35.54% 35.70%
Personnel expense/ assets — — 24.67% 23.03% 19.93%
Administrative expense/ assets — — 22.55% 12.51% 15.77%

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 214.70% 143.90% 82.75% 55.30% 51.64%
Personnel expense/ loan portfolio — — 43.22% 35.84% 28.83%
Average salary/ GNI per capita — — 2.69 2.33 1.90
Cost per borrower — — 89 58 57
Cost per loan — — — 58 57

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 — 129 201 236 200
Loans per staff member — — 201 236 200
Borrowers per loan officer — — 364 419 414
Loans per loan officer — — 364 419 414
Depositors per staff member — 0 0 0 0
Deposit accounts per staff member — — 0 0 0
Personnel allocation ratio — — 55.32% 56.36% 48.28%

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 — — 3.41% 2.82% 4.66%
Portfolio at risk > 90 days — — 0.66% 0.85% 2.28%
Write-off ratio — — 8.70% 4.57% 0.00%
Loan loss rate 2.85% 1.94% 8.70% 3.55% -0.90%
Risk coverage — — 270.30% 224.23% 99.74%
Non-earning liquid assets as a % of total assets — — 2.57% 3.26% 7.97%