Comparative report | MIX Market

Compare Hluvuku 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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Country

Offices

Total assets

Personnel

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All
Hluvuku

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	1,897,701	5,409,153
Offices	5	8
Personnel	36	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
Hluvuku

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	64.55%	22.28%
Debt to equity ratio	0.55	3.14
Deposits to loans	1.29%	17.93%
Deposits to total assets	1.00%	12.36%
Gross loan portfolio to total assets	77.59%	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
Hluvuku

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	3,248	7,997
Percent of women borrowers	52.99%	60.46%
Number of outstanding loans	3,248	8,293
Gross loan portfolio	1,472,507	3,661,739
Average loan balance per borrower	453	592
Average loan balance borrower per borrower / GNI per capita	137.38%	35.69%
Average outstanding balance	453	571
Average outstanding balance / GNI per capita	137.38%	34.39%
Number of depositors	3,248	641
Number of deposit accounts	3,248	1,728
Deposits	18,942	376,783
Average deposit balance per depositor	6	168
Average deposit balance per depositor / GNI per capita	2.00%	15.00%
Average deposit account balance	6	157
Average deposit account balance / GNI per capita	0	0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

All
Hluvuku

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	10.23%	2.10%
Return on equity	15.12%	9.72%
Operational self sufficiency	135.97%	112.26%

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	38.80%	25.27%
Profit margin	26.45%	11.04%
Yield on gross portfolio (nominal)	48.80%	30.77%
Yield on gross portfolio (real)	37.58%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
Hluvuku

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	28.54%	23.09%
Financial expense/ assets	—	5.26%
Provision for loan impairment/ assets	0.75%	1.13%
Operating expense/ assets	27.78%	14.51%
Personnel expense/ assets	17.00%	8.07%
Administrative expense/ assets	10.78%	6.41%

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	34.97%	19.22%
Personnel expense/ loan portfolio	21.40%	10.70%
Average salary/ GNI per capita	25.23	3.69
Cost per borrower	165	137
Cost per loan	165	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
Hluvuku

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	90	98
Loans per staff member	90	102
Borrowers per loan officer	325	245
Loans per loan officer	325	252
Depositors per staff member	90	40
Deposit accounts per staff member	90	53
Personnel allocation ratio	27.78%	44.80%

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	3.88%	3.59%
Portfolio at risk > 90 days	1.95%	2.03%
Write-off ratio	—	0.36%
Loan loss rate	-0.13%	0.20%
Risk coverage	91.37%	75.73%
Non-earning liquid assets as a % of total assets	9.75%	11.99%

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	1,897,701	5,316,293
Cash and cash equivalents	185,022	721,678
Total trade and receivables	7,516	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	1,420,341	3,352,616
Gross loan portfolio	1,472,507	3,514,762
Impairment loss allowance	52,166	109,046
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	—	16,574
Net fixed assets	284,823	192,881
Liabilities and equity	1,897,701	5,293,138
Total liabilities	672,677	3,666,852
Deposits	18,942	414,688
Total borrowings	551,247	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	21,238	4,040
Trade and other payables	—	145,875
Provisions for employee benefits	81,250	20,617
Deferred revenue	—	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	1,225,024	1,220,875
Paid in capital	902,493	434,291
Retained earnings total	167,855	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	154,677	156,609
Equity reserves	—	90,962
Other equity interest	—	0

	Hluvuku	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	3,248	8,019
Number of outstanding loans	3,248	8,456
Number of depositors	3,248	1,075
Number of deposit accounts	3,248	2,064

	Hluvuku	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	664,871	1,274,256
Interest and fee income	664,635	1,214,159
Revenue from interest	649,868	1,052,533
Interest income from loans	649,571	998,284
Financial revenue from investments	298	13,077
Other interest income	—	1,649
Fee and commission income	14,766	99,375
Fee income from loans	14,766	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	236	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	—	0
Gains (losses) on disposals of property, plant and equipment	—	0
Gains (losses) on financial assets	—	—
Gains (losses) on financial liabilities at fair value through profit or loss	—	0
Gains (losses) on held-to-maturity investments	—	0
Gains (losses) on loans and receivables	—	0
Gains (losses) on available-for-sale financial assets	—	0
Gains (losses) on financial liabilities at amortised cost	—	0
Gains (losses) on net monetary position	—	0
Financial expense	—	240,482
Interest and fee expense	—	261,158
Interest expense	—	249,861
Interest expense on borrowings	—	143,968
Interest expense on deposits	—	19,270
Interest expense on subordinated debt	—	0
Fee expense	—	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	—	0
Other fee and commission expense	—	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	12,909	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	14,701	68,494
Recovery loan losses	1,792	1,857
Operating expense	476,092	858,343
Personnel expense	291,366	481,547
Depreciation expense	40,181	34,234
Administrative expense	144,544	338,218
Net operating income	175,871	82,657
Non operating income net	-52,951	0
Net income before taxes and donations	122,919	87,893
Tax expense	575	3,988
Net income after taxes before donations	122,345	73,372
Donations	—	2,252
Net income after taxes and donations	122,345	105,419

	Hluvuku	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	14,701	68,757
Impairment loss recognised	—	72,579
Reversal of impairment loss	—	0
Other movements on impairment loss allowance	—	0
Exchange differences on impairment loss	—	0
Write offs	—	11,480

MIX Market

Hluvuku4Hluvuku-Adsema Fundo de Credito Male yeru

1. Choose data set

2. Choose display options

Offices

Total assets

Personnel

Legend

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend