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FVP4Fundacion para La Vivienda Progresiva A.C.

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-12-31 2008-12-31
Currency USD USD USD USD USD
Total assets 658,240 548,807 729,476 1,277,680 882,570
Offices — — — 3 3
Personnel 12 15 15 19 22

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-12-31 2008-12-31
Capital/asset ratio -50.24% -89.48% -26.88% 34.23% 15.72%
Debt to equity ratio — -2.12 -4.72 — 5.36
Deposits to loans — — — 0.00% 0.00%
Deposits to total assets — — — 0.00% 0.00%
Gross loan portfolio to total assets 90.00% 108.24% 101.12% 72.22% 70.09%

Outreach

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-12-31 2008-12-31
Currency USD USD USD USD USD
+ Number of active borrowers 754 848 1,045 1,295 1,380
— 294 342 429 — 552
— — — — — 1,380
— — — — — 0
— — — — — 0
Percent of women borrowers 38.99% 40.33% 41.05% — 40.00%
+ Number of outstanding loans — — — — 1,380
— — — — — 0
— — — — — —
— — — — — —
— — — — — 736
— — — — — 0
— — — — — 644
+ Gross loan portfolio 592,416 594,017 737,613 922,761 618,593
— — — — — 582,994
— — — — — 582,994
— — 142,628 128,182 — 35,600
— — — — — 14,248
— — — — — —
— — — — — 10,760
— — — — — —
— — — — — 10,592
— — — — — 0
— — — — — 0
— — — — — 0
— — — — — —
— — — — — —
— — — — — 294,590
— — — — — 0
— — — — — 324,004
Average loan balance per borrower 786 700 706 713 448
Average loan balance borrower per borrower / GNI per capita 10.60% 8.67% 8.08% 7.58% 4.77%
Average outstanding balance — — — — 448
Average outstanding balance / GNI per capita — — — — 4.77%
+ Number of depositors 0 0 0 0 0
— — — — — —
— — — — 0 0
— — — — 0 0
+ Number of deposit accounts — — — 0 0
— — — — — —
— — — — 0 0
— — — — 0 0
+ Deposits — — — 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 2004-09-30 2005-09-30 2006-09-30 2007-12-31 2008-12-31
USD USD USD USD USD
Return on assets — -30.77% -10.94% — -21.42%
Return on equity — 45.19% 20.36% — -80.31%
Operational self sufficiency — 65.70% 83.65% — 65.92%

Revenues

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-12-31 2008-12-31
USD USD USD USD USD
Financial revenue/ assets — 58.92% 56.00% — 41.43%
Profit margin — -52.22% -19.54% — -51.71%
Yield on gross portfolio (nominal) — — — — 80.88%
Yield on gross portfolio (real) — — — — 73.98%

Expenses

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-12-31 2008-12-31
USD USD USD USD USD
Total expense/ assets — 89.68% 66.94% — 62.85%
Financial expense/ assets — 10.39% 7.67% — 4.54%
Provision for loan impairment/ assets — 12.15% -1.66% — 3.03%
Operating expense/ assets — 67.14% 60.93% — 55.28%
Personnel expense/ assets — — — — 32.78%
Administrative expense/ assets — — — — 22.50%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-12-31 2008-12-31
USD USD USD USD USD
Operating expense/ loan portfolio — 68.30% 58.49% — 77.47%
Personnel expense/ loan portfolio — — — — 45.94%
Average salary/ GNI per capita — — — — 1.84
Cost per borrower — 506 411 — 446
Cost per loan — — — — —

Productivity

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-12-31 2008-12-31
Borrowers per staff member 63 57 70 68 63
Loans per staff member — — — — 63
Borrowers per loan officer — — — 162 153
Loans per loan officer — — — — 153
Depositors per staff member 0 0 0 0 0
Deposit accounts per staff member — — — 0 0
Personnel allocation ratio — — — 42.11% 40.91%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-09-30 2005-09-30 2006-09-30 2007-12-31 2008-12-31
USD USD USD USD USD
Portfolio at risk > 30 days — 24.01% 17.38% — 5.75%
Portfolio at risk > 90 days — — — — 3.45%
Write-off ratio — 0.00% 0.11% — 5.57%
Loan loss rate — 0.00% 0.11% — 5.57%
Risk coverage — 82.95% 83.46% — 67.50%
Non-earning liquid assets as a % of total assets — — — — 16.16%