MIX Market

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