MIX Microfinance Information eXchange

MIX Market

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Fundación Paraguaya5Fundación Paraguaya de Cooperación y Desarrollo

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 4,232,447 6,175,248 8,661,295 13,398,622 15,764,136
Offices 11 17 18 18 21
Personnel 81 105 122 181 241

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 73.71% 53.07% 46.26% 39.44% 33.27%
Debt to equity ratio 0.36 0.88 1.16 1.54 2.01
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 63.67% 67.96% 69.41% 70.13% 72.51%

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 6,281 9,259 19,473 24,896 34,222
— — — — — 34,150
— — — — — 72
— — — — — 9,663
— 3,012 4,559 12,187 16,737 24,559
— — — — — 34,222
— — — — — 6,158
— — — — — 6,158
— — — — — 28,064
— — — — — 17,924
— — — — — 393
— — — — — 15,905
— — — — — 15,228
— — — — — 18,994
Percent of women borrowers 47.95% 49.24% 62.58% 67.23% 71.76%
+ Number of outstanding loans 6,281 9,259 19,473 24,896 34,222
— — — — — 17,924
— — — — — 393
— — — — — 15,905
— 0 0 18,812 24,046 19,368
— — — — — —
— 0 0 0 533 572
— — — — — —
— 0 0 79 217 302
— — — — — —
— 0 0 209 0 7
— 0 0 0 82 0
— 0 0 37 18 23
— — — — — 34,222
— — — — — 6,158
— — — — — 6,158
— — — — — 28,064
— — — — — 34,150
— — — — — 72
— — — — — 15,228
— — — — — 18,994
— — — — — 9,663
— — — — — 24,559
+ Gross loan portfolio 2,694,670 4,196,464 6,011,395 9,396,017 11,429,891
— — — — — 9,091,864
— — — — — 1,401,542
— — — — — 936,485
— — 4,024,028 — — 11,034,858
— 141,602 172,436 301,533 188,767 —
— 37,534 51,635 75,131 116,464 252,839
— — — — — —
— 12,592 30,438 31,412 41,368 82,161
— — — — — —
— 0 0 129,492 0 4,281
— 0 54,248 0 15,510 0
— 91,475 36,115 65,498 15,425 55,752
— — — — — 11,429,891
— — — — — 1,656,250
— — — — — 1,656,250
— — — — — 9,773,640
— — — — — 11,348,458
— — — — — 81,433
— — — — — 4,982,167
— — — — — 6,447,724
— — — — — 5,244,369
— — — — — 6,185,522
Average loan balance per borrower 429 453 309 377 334
Average loan balance borrower per borrower / GNI per capita 39.72% 36.55% 20.72% 22.07% 19.53%
Average outstanding balance 429 453 309 377 334
Average outstanding balance / GNI per capita 39.72% 36.55% 20.72% 22.07% 19.53%
Number of depositors — — 0 0 —
Number of deposit accounts — — 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 —
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 13.43% 6.28% 3.23% 3.52% 3.79%
Return on equity 18.47% 10.22% 6.59% 8.35% 10.49%
Operational self sufficiency 144.59% 120.24% 110.27% 114.57% 113.14%

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 43.55% 37.30% 34.72% 33.38% 37.78%
Profit margin 30.84% 16.83% 9.31% 12.72% 11.61%
Yield on gross portfolio (nominal) 58.97% 43.36% 48.47% 47.24% 53.07%
Yield on gross portfolio (real) 52.38% 34.22% 35.47% 36.17% 41.56%

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 30.12% 31.02% 31.49% 29.14% 33.39%
Financial expense/ assets 4.00% 3.30% 5.76% 6.13% 7.44%
Provision for loan impairment/ assets 0.34% 0.96% 1.55% 0.92% 1.77%
Operating expense/ assets 25.78% 26.76% 24.19% 22.08% 24.18%
Personnel expense/ assets 17.59% 17.08% 15.29% 14.31% 15.94%
Administrative expense/ assets 8.19% 9.69% 8.90% 7.77% 8.24%

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 40.62% 40.42% 35.15% 31.62% 33.86%
Personnel expense/ loan portfolio 27.72% 25.79% 22.22% 20.49% 22.32%
Average salary/ GNI per capita 8.06 7.71 6.71 6.09 6.44
Cost per borrower 155 179 125 110 119
Cost per loan 155 179 125 110 119

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 78 88 160 138 142
Loans per staff member 78 88 160 138 142
Borrowers per loan officer 153 206 342 372 368
Loans per loan officer 153 206 342 372 368
Depositors per staff member — — 0 0 —
Deposit accounts per staff member — — 0 0 —
Personnel allocation ratio 50.62% 42.86% 46.72% 37.02% 38.59%

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 5.25% 4.11% 5.02% 2.01% 3.46%
Portfolio at risk > 90 days 3.86% 2.88% 3.77% 0.77% 1.24%
Write-off ratio 11.63% 1.22% 2.10% 4.06% 2.38%
Loan loss rate 11.00% -0.13% 0.86% 2.86% 1.61%
Risk coverage 51.47% 74.14% 75.78% 65.77% 50.81%
Non-earning liquid assets as a % of total assets 21.45% 21.23% 19.57% 21.34% 19.68%