ID Ghana4

Initiative Development Ghana

Select i

Report Periodi

Report Typei

Report Type

Compare to Benchmarksi

Please use this button to enable the changes you've made to your report settings.
Institutional Characteristics
Institutional Characteristics
MFI name ID Ghana ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 - 5
Currency USD USD USD
Fiscal year 2012 2013 2013
Period type ANN QTR ANN
As of date 2012-12-31 2013-06-30 2013-12-31
Assets 1,436,980 1,966,132
OfficesOffices

Number, including head office

5 7 3
+ PersonnelPersonnel

Total number of staff members

41 40 43
9 10
Financing Structure
Financing Structure
MFI name ID Ghana ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 - 5
Currency USD USD USD
Fiscal year 2012 2013 2013
Period type ANN QTR ANN
As of date 2012-12-31 2013-06-30 2013-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

10.30% 18.02%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

8.71 4.55
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

64.23% 63.28% 60.83%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

43.97% 44.48%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

68.47% 73.13%
Outreach Indicators
Outreach Indicators
MFI name ID Ghana ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 - 5
Currency USD USD USD
Fiscal year 2012 2013 2013
Period type ANN QTR ANN
As of date 2012-12-31 2013-06-30 2013-12-31
As of date 2012-12-31 2013-06-30 2013-12-31
Currency USD USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

5,689 6,064 8,159
5,689 8,159
0
341 490
5,348 7,669
0
5,689 8,159
0
Percent of female borrowers 94.01% 93.99%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

5,689 11,018 8,159
8,159
5,689 8,159
341 408
5,348 7,751
0
5,689 8,159
0
5,689 302
0 7,857
0
386
4,343
49
39
223
649
0
5,689 8,159
0
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

983,846 1,220,281 1,437,866
1,437,866
983,846 1,437,866
39,354 71,665
944,492 1,366,201
0
983,846 1,437,866
0
983,846 59,203
0 1,378,663
0
939,591 1,407,015
67,944 173,896
871,647 1,233,119
44,255 30,851
2,870 8,244
41,385 22,607
1,377 5,413
40,008 17,194
11,247
28,761
0
983,846 1,437,866
0 0
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

173 201 176
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% 12.31%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

173 111 176
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

12.08% 7.73% 12.31%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

13,276 10,616 13,767
13,276 13,767
0
0
0
13,276
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

13,276 13,916
13,276 13,916
0 549
0
0
13,276 13,367
+ DepositsDeposits

Total value of all deposit accounts

631,911 772,160 874,632
631,911 874,632
0 22,876
0
0
631,911 851,756
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

48 73 64
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% 4.00%
Overall Financial Performance
Overall Financial Performance
MFI name ID Ghana ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 - 5
Currency USD USD USD
Fiscal year 2012 2013 2013
Period type ANN QTR ANN
As of date 2012-12-31 2013-06-30 2013-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

-3.79% 8.69%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

-33.95% 58.87%
Operational self sufficiencyOperational self sufficiency

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

91.39% 122.47%
Revenues
Revenues
MFI name ID Ghana ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 - 5
Currency USD USD USD
Fiscal year 2012 2013 2013
Period type ANN QTR ANN
As of date 2012-12-31 2013-06-30 2013-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

40.28% 47.36%
Profit marginProfit margin

Net Operating Income / Financial Revenue

-9.42% 18.35%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

58.17% 65.39%
Yield on gross portfolio (real)Yield on gross portfolio (real)

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

45.46% 52.11%
Expenses
Expenses
MFI name ID Ghana ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 - 5
Currency USD USD USD
Fiscal year 2012 2013 2013
Period type ANN QTR ANN
As of date 2012-12-31 2013-06-30 2013-12-31
Total expense/ assetsTotal expense/ assets

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

44.07% 38.68%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

4.05% 10.90%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

0.71% 1.14%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

39.30% 26.64%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

19.44% 14.96%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

19.86% 11.68%
Efficiency
Efficiency
MFI name ID Ghana ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 - 5
Currency USD USD USD
Fiscal year 2012 2013 2013
Period type ANN QTR ANN
As of date 2012-12-31 2013-06-30 2013-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

56.92% 39.44%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

28.16% 22.15%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

4.65 4.34
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

90 73
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

90 52
Productivity
Productivity
MFI name ID Ghana ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 - 5
Currency USD USD USD
Fiscal year 2012 2013 2013
Period type ANN QTR ANN
As of date 2012-12-31 2013-06-30 2013-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

139 152 190
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

139 275 190
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

284 319 389
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

284 580 389
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

324 265 320
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

324 324
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

48.78% 47.50% 48.84%
Risk And Liquidity
Risk And Liquidity
MFI name ID Ghana ID Ghana ID Ghana
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

4 - 5
Currency USD USD USD
Fiscal year 2012 2013 2013
Period type ANN QTR ANN
As of date 2012-12-31 2013-06-30 2013-12-31
As of date 2012-12-31 2013-06-30 2013-12-31
Currency USD USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

4.50% 2.15%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

4.21% 1.57%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

0.10% 2.78%
Loan loss rateLoan loss rate

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

0.09% 2.66%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

94.48% 75.87%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

7.16% 21.64%