MIX Microfinance Information eXchange

MIX Market

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Hluvuku4Hluvuku-Adsema Fundo de Credito Male yeru

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 654,529 902,147 907,234 1,529,345 1,897,701
Offices — — 4 5 5
Personnel 20 21 32 34 36

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 97.80% 84.11% 95.41% 71.53% 64.55%
Debt to equity ratio 0.02 0.19 0.05 0.40 0.55
Deposits to loans — — 2.79% 4.64% 1.29%
Deposits to total assets — — 2.17% 3.79% 1.00%
Gross loan portfolio to total assets 62.95% 60.83% 77.59% 81.74% 77.59%

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 1,064 1,432 1,958 2,530 3,248
— — — — — 1,527
— 509 559 725 1,164 1,721
— — — — — 3,212
— — — — — 36
— — — — — 3,248
— — — — — 3,248
— — — — — 3,248
Percent of women borrowers 47.84% 39.04% 37.03% 46.01% 52.99%
+ Number of outstanding loans — — 1,958 2,530 3,248
— — — — — 3,248
— — — — — 3,248
— — — — — 3,248
— — — — — 3,212
— — — — — 36
— — — 1,958 2,530 —
— — — — — —
— — — 0 0 —
— — — — — —
— — — 0 0 —
— — — — — —
— — — 0 0 —
— — — 0 0 —
— — — 0 0 —
— — — — — 1,527
— — — — — 1,721
+ Gross loan portfolio 412,057 548,787 703,940 1,250,109 1,472,507
— — — — — 1,418,416
— — — — — 54,090
— — — 677,967 1,218,182 1,415,411
— 30,904 27,659 25,972 31,926 —
— — — 15,521 31,926 28,441
— — — — — —
— — — 10,451 0 28,655
— — — — — —
— — — 0 0 0
— — — 0 0 0
— — — 0 0 0
— — — — — 1,472,507
— — — — — 1,472,507
— — — — — 1,472,507
Average loan balance per borrower 387 383 360 494 453
Average loan balance borrower per borrower / GNI per capita 148.95% 132.15% 115.97% 149.73% 137.38%
Average outstanding balance — — 360 494 453
Average outstanding balance / GNI per capita — — 115.97% 149.73% 137.38%
+ Number of depositors 0 0 0 2,530 3,248
— — — — — 3,248
— — — — — 3,248
+ Number of deposit accounts — — 0 2,530 3,248
— — — — — 3,248
— — — — — 3,248
+ Deposits — — 19,642 58,011 18,942
— — — — — 18,942
— — — 19,642 58,011 18,942
— 0 0 0 0 —
— — — 0 0 —
— — — 0 0 —
— — — 19,642 58,011 —
Average deposit balance per depositor — — — 23 6
Average deposit balance per depositor / GNI per capita — — — 7.00% 2.00%
Average deposit account balance — — — 23 6
Average deposit account balance / GNI per capita — — — 0 0

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 1.27% 9.71% 4.07% 4.07% 10.23%
Return on equity 1.30% 10.81% 4.53% 5.06% 15.12%
Operational self sufficiency 105.10% 146.88% 115.96% 112.89% 135.97%

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 26.16% 30.43% 29.55% 35.86% 38.80%
Profit margin 4.86% 31.92% 13.77% 11.42% 26.45%
Yield on gross portfolio (nominal) — — 42.45% 44.67% 48.80%
Yield on gross portfolio (real) — — 25.79% 33.76% 37.58%

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 24.89% 20.72% 25.48% 31.76% 28.54%
Financial expense/ assets 0.43% 0.41% 0.13% 1.27% —
Provision for loan impairment/ assets 3.34% 1.54% 2.78% 2.10% 0.75%
Operating expense/ assets 21.12% 18.76% 22.57% 28.39% 27.78%
Personnel expense/ assets — — 12.61% 16.34% 17.00%
Administrative expense/ assets — — 9.95% 12.06% 10.78%

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 39.99% 30.40% 32.59% 35.41% 34.97%
Personnel expense/ loan portfolio — — 18.22% 20.37% 21.40%
Average salary/ GNI per capita — — 13.89 18.28 25.23
Cost per borrower 127 117 120 154 165
Cost per loan — — — 154 165

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 53 68 61 74 90
Loans per staff member — — 61 74 90
Borrowers per loan officer — — 245 181 325
Loans per loan officer — — 245 181 325
Depositors per staff member 0 0 0 74 90
Deposit accounts per staff member — — 0 74 90
Personnel allocation ratio — — 25.00% 41.18% 27.78%

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 7.50% 5.04% 3.69% 2.55% 3.88%
Portfolio at risk > 90 days — — 1.48% 0.00% 1.95%
Write-off ratio 8.40% 1.80% 2.75% 0.00% —
Loan loss rate 8.40% 1.80% 2.21% -1.70% -0.13%
Risk coverage 0.05% 12.01% 54.91% 195.78% 91.37%
Non-earning liquid assets as a % of total assets — — 8.22% 3.13% 9.75%