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Fundación Espoir5

Compare Fundación Espoir 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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Year
Peer groups

Offices

Total assets

Personnel

Legend

  • All
  • Fundación Espoir
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
Currency USD USD
Total assets 16,847,843 5,409,153
Offices 16 8
Personnel 203 78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

  • All
  • Fundación Espoir
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
Capital/asset ratio 17.65% 22.28%
Debt to equity ratio 4.67 3.14
Deposits to loans — 17.93%
Deposits to total assets — 12.36%
Gross loan portfolio to total assets 90.72% 78.34%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

  • All
  • Fundación Espoir
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
Currency USD USD
Number of active borrowers 34,993 7,997
Percent of women borrowers 100.00% 60.46%
Number of outstanding loans 41,815 8,293
Gross loan portfolio 15,284,495 3,661,739
Average loan balance per borrower 437 592
Average loan balance borrower per borrower / GNI per capita 14.04% 35.69%
Average outstanding balance 366 571
Average outstanding balance / GNI per capita 11.75% 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)

Legend

  • All
  • Fundación Espoir
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Return on assets 5.26% 2.10%
Return on equity 26.89% 9.72%
Operational self sufficiency 117.01% 112.26%
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Financial revenue/ assets 36.16% 25.27%
Profit margin 14.54% 11.04%
Yield on gross portfolio (nominal) 23.52% 30.77%
Yield on gross portfolio (real) 20.77% 22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

  • All
  • Fundación Espoir
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Total expense/ assets 30.90% 23.09%
Financial expense/ assets 6.41% 5.26%
Provision for loan impairment/ assets 0.94% 1.13%
Operating expense/ assets 23.56% 14.51%
Personnel expense/ assets 10.30% 8.07%
Administrative expense/ assets 13.25% 6.41%
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Operating expense/ loan portfolio 25.87% 19.22%
Personnel expense/ loan portfolio 11.32% 10.70%
Average salary/ GNI per capita 2.65 3.69
Cost per borrower 113 137
Cost per loan 95 134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

  • All
  • Fundación Espoir
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
Borrowers per staff member 172 98
Loans per staff member 206 102
Borrowers per loan officer 287 245
Loans per loan officer 343 252
Depositors per staff member — 40
Deposit accounts per staff member — 53
Personnel allocation ratio 60.10% 44.80%
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Portfolio at risk > 30 days 0.46% 3.59%
Portfolio at risk > 90 days 0.24% 2.03%
Write-off ratio 0.42% 0.36%
Loan loss rate 0.21% 0.20%
Risk coverage 371.06% 75.73%
Non-earning liquid assets as a % of total assets 1.69% 11.99%
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
Currency USD USD
16,847,843 5,316,293
285,173 721,678
386,465 171,459
— 0
— 0
— 0
15,024,423 3,352,616
15,284,495 3,514,762
260,072 109,046
— 0
— 0
— 0
— 0
— 4,126
112,387 16,574
817,557 192,881
16,847,843 5,293,138
13,874,119 3,666,852
0 414,688
11,963,541 1,381,184
— 0
— 4,040
1,775,501 145,875
135,077 20,617
— 4,052
— 8,389
— 0
2,973,724 1,220,875
832,665 434,291
731,614 142,164
— 0
— 0
— 156,609
1,409,445 90,962
— 0
Fundación Espoir All
Number of MFIs 1 451
As of date 2008-12-31 2008
34,993 8,019
41,815 8,456
— 1,075
— 2,064
Fundación Espoir All
Number of MFIs 1 451
Start date 2008-01-01 2008
As of date 2008-12-31 2008
Currency USD USD
4,824,168 1,274,256
2,874,839 1,214,159
2,874,839 1,052,533
2,857,646 998,284
9,872 13,077
7,321 1,649
0 99,375
0 58,055
0 0
0 0
0 2
1,949,329 10,904
— 0
— 0
— —
— 0
— 0
— 0
— 0
— 0
— 0
855,231 240,482
854,504 261,158
792,593 249,861
773,761 143,968
0 19,270
0 0
61,911 984
0 0
0 0
61,911 67
727 0
125,045 52,272
150,154 68,494
25,109 1,857
3,142,646 858,343
1,374,655 481,547
225,927 34,234
1,542,064 338,218
701,246 82,657
Non operating income net 30,368 0
731,614 87,893
Tax expense 0 3,988
731,614 73,372
Donations 0 2,252
731,614 105,419
Fundación Espoir 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 150,154 68,757
150,154 72,579
0 0
Other movements on impairment loss allowance -606 0
Exchange differences on impairment loss 0 0
Write offs 51,008 11,480