ID Ghana4

Initiative Development Ghana

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Institutional Characteristics
Institutional Characteristics
MFI name ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-06-30
Assets 1,436,980
OfficesOffices

Number, including head office

5 7
+ PersonnelPersonnel

Total number of staff members

41 40
9
Financing Structure
Financing Structure
MFI name ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-06-30
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

10.30%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

8.71
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

64.23% 63.28%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

43.97%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

68.47%
Outreach Indicators
Outreach Indicators
MFI name ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-06-30
As of date 2012-12-31 2013-06-30
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

5,689 6,064
5,689
0
341
5,348
0
5,689
0
Percent of female borrowers 94.01%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

5,689 11,018
5,689
0
0
341
5,348
0
5,689
0
5,689
0
4,343
386
49
39
223
649
0
5,689
5,689
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

983,846 1,220,281
983,846
0
0
39,354
944,492
0
983,846
0
983,846
0
939,591
871,647
67,944
44,255
2,870
41,385
1,377
40,008
11,247
28,761
0
983,846
983,846
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

173 201
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

12.08% 14.05%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

173 111
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

12.08% 7.73%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

13,276 10,616
13,276
0
0
0
13,276
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

13,276
13,276
0
0
0
13,276
+ DepositsDeposits

Total value of all deposit accounts

631,911 772,160
631,911
0
0
0
631,911
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

48 73
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

3.00% 5.00%
Overall Financial Performance
Overall Financial Performance
MFI name ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-06-30
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

-3.79%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

-33.95%
Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)

91.39%
Revenues
Revenues
MFI name ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-06-30
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

40.28%
Profit marginProfit margin

Net Operating Income / Financial Revenue

-9.42%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

58.17%
Yield on gross portfolio (real)Yield on gross portfolio (real)

(Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)

45.46%
Expenses
Expenses
MFI name ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-06-30
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

44.07%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

4.05%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

0.71%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

39.30%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

19.44%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

19.86%
Efficiency
Efficiency
MFI name ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-06-30
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

56.92%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

28.16%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

4.65
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

90
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

90
Productivity
Productivity
MFI name ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-06-30
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

139 152
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

139 275
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

284 319
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

284 580
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

324 265
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

324
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

48.78% 47.50%
Risk And Liquidity
Risk And Liquidity
MFI name ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-06-30
As of date 2012-12-31 2013-06-30
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

4.50%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio

4.21%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.10%
Loan loss rateLoan loss rate

(Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio

0.09%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

94.48%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

7.16%