MIX Microfinance Information eXchange

MIX Market

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Fundación Espoir5

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 3,532,276 5,450,343 7,178,492 9,833,632 16,847,843
Offices 6 4 7 7 16
Personnel 74 82 102 130 203

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 31.17% 25.58% 25.35% 22.80% 17.65%
Debt to equity ratio 2.21 2.91 2.94 3.39 4.67
Deposits to loans 0.00% 0.00% 0.00% 0.00% 0.00%
Deposits to total assets 0.00% 0.00% 0.00% 0.00% 0.00%
Gross loan portfolio to total assets 83.66% 90.30% 92.22% 91.63% 90.72%

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 10,884 13,886 15,329 20,674 34,993
— 10,884 13,886 15,329 20,498 34,993
— — — — — 34,993
— — — — — 34,993
— — — — — 34,883
— — — — — 110
— — — — — 9,448
— — — — — 25,545
— — — — — 17,147
— — — — — 17,846
Percent of women borrowers 100.00% 100.00% 100.00% 99.15% 100.00%
+ Number of outstanding loans 10,884 13,886 18,260 24,627 41,815
— — — — — 41,815
— — — — — 41,815
— — — — — 41,815
— 10,739 13,179 18,172 23,748 41,715
— — — — — —
— 43 537 37 128 46
— — — — — —
— 102 170 51 121 23
— — — — — —
— 0 0 0 454 20
— 0 0 0 176 11
— 0 0 0 0 0
— — — — — 20,071
— — — — — 21,744
— — — — — 11,290
— — — — — 30,525
— — — — — 41,699
— — — — — 116
+ Gross loan portfolio 2,955,053 4,921,468 6,620,261 9,010,091 15,284,495
— — — — — 15,284,495
— — — — — 15,284,495
— — — — — 15,284,495
— 2,946,790 4,862,409 6,588,339 8,958,102 15,214,406
— 8,263 59,059 31,922 51,989 —
— 4,061 50,580 13,422 12,661 33,024
— — — — — —
— 4,202 8,479 18,500 11,374 9,781
— — — — — —
— 0 0 0 22,940 15,692
— 0 0 0 5,014 11,592
— 0 0 0 0 0
— — — — — 6,939,730
— — — — — 8,344,765
— — — — — 4,126,814
— — — — — 11,157,681
— — — — — 14,749,605
— — — — — 534,890
Average loan balance per borrower 272 354 432 436 437
Average loan balance borrower per borrower / GNI per capita 11.55% 13.13% 14.84% 14.01% 14.04%
Average outstanding balance 272 354 363 366 366
Average outstanding balance / GNI per capita 11.55% 13.13% 12.46% 11.76% 11.75%
+ Number of depositors 0 0 — 0 0
— — — — — 0
— — — — — 0
— — — — — 0
+ Number of deposit accounts 0 0 — 0 0
— — — — — 0
— — — — — 0
— — — — — 0
+ Deposits 0 0 0 0 0
— 0 0 0 0 0
— 0 0 0 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 7.01% 6.45% 6.55% 4.63% 5.26%
Return on equity 20.28% 23.20% 25.73% 19.41% 26.89%
Operational self sufficiency 117.21% 117.28% 118.87% 113.74% 117.01%

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 47.76% 43.75% 41.25% 38.36% 36.16%
Profit margin 14.68% 14.73% 15.88% 12.08% 14.54%
Yield on gross portfolio (nominal) 54.61% 49.18% 44.32% 30.12% 23.52%
Yield on gross portfolio (real) 50.49% 45.67% 40.08% 27.22% 20.77%

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 40.75% 37.31% 34.70% 33.72% 30.90%
Financial expense/ assets 7.60% 7.31% 8.04% 7.26% 6.41%
Provision for loan impairment/ assets 0.73% 1.13% 0.94% 1.00% 0.94%
Operating expense/ assets 32.43% 28.87% 25.72% 25.46% 23.56%
Personnel expense/ assets 12.61% 13.40% 11.09% 14.92% 10.30%
Administrative expense/ assets 19.81% 15.47% 14.64% 10.54% 13.25%

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 38.72% 32.92% 28.15% 27.71% 25.87%
Personnel expense/ loan portfolio 15.06% 15.28% 12.13% 16.24% 11.32%
Average salary/ GNI per capita 2.31 2.86 2.62 3.52 2.65
Cost per borrower 92 105 111 120 113
Cost per loan — 105 101 101 95

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 147 169 150 159 172
Loans per staff member 147 169 179 189 206
Borrowers per loan officer 286 323 301 300 287
Loans per loan officer 286 323 358 357 343
Depositors per staff member 0 0 — 0 0
Deposit accounts per staff member 0 0 — 0 0
Personnel allocation ratio 51.35% 52.44% 50.00% 53.08% 60.10%

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 0.28% 1.20% 0.48% 0.58% 0.46%
Portfolio at risk > 90 days 0.14% 0.17% 0.28% 0.44% 0.24%
Write-off ratio 0.21% 0.28% 0.46% 0.47% 0.42%
Loan loss rate 0.04% 0.28% 0.46% 0.46% 0.21%
Risk coverage 471.62% 133.63% 349.85% 310.70% 371.06%
Non-earning liquid assets as a % of total assets 4.87% 2.48% 0.06% 2.05% 1.69%