Balance Sheet for Asociación Incubadora de Microempresas Productivas


		2007	2008	2009	2010
As of date		2007-12-31	2008-12-31	2009-12-31	2010-12-31
Currency code		USD	USD	USD	USD
Assets		879,972	1,114,103	1,521,814	2,734,879
Cash and cash equivalents		88,018	132,621	299,007	553,304
Trade and other receivables		41,810	52,849	53,784	88,333
Financial assets at fair value		—	—	0	—
Financial assets available for sale		—	—	0	—
Other investments		1,837	—	—	—
Net loan portfolio		738,950	918,376	1,154,003	1,908,629
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio		820,576	1,016,667	1,216,741	1,988,074
+ Delinquency
Less than one month	—	819,165	968,519	1,175,414	1,927,162
+ One month or more	—	1,411	—	—	—
From one to three months	—	1,411	6,268	617	3,000
+ More than three months	—	—	—	—	—
From three to six months	—	0	0	0	0
+ More than six months	—	—	—	—	—
From six to twelve months	—	0	0	0	0
One year or more	—	0	0	0	0
Renegotiated loans	—	0	41,880	40,710	57,912
+ Location
Urban	—	—	1,016,667	1,099,264	1,786,204
Rural	—	—	0	117,477	201,870
+ Products (credit)
Loans to corporations	—	—	0	0	—
Loans to financial institutions	—	—	0	0	—
Loans to governments	—	—	0	0	—
+ Retail loans	—	—	1,016,667	1,216,741	1,988,074
+ Household financing	—	—	434,330	503,582	685,509
Consumption	—	—	84,330	88,336	22,713
Education	—	—	—	—	81,180
Mortgage housing	—	—	350,000	415,246	581,617
Household other	—	—	—	—	0
Microenterprise	—	—	582,336	713,159	1,302,565
+ Relationship
External customers	—	—	—	1,216,741	1,988,074
Management and staff	—	—	—	0	0
+ Methodology
Individual	—	—	1,016,667	1,216,741	1,988,074
Solidarity group	—	—	0	0	0
Village banking s h g	—	—	0	0	0
+ Gender
Male	—	—	501,852	644,873	1,211,576
Female	—	—	514,815	571,868	776,498
Legal entity	—	—	—	0	0
Impairment loss allowance		81,626	98,301	62,738	79,445
Unearned income and discount		—	—	0	—
Finance lease		—	—	0	—
Current tax assets		—	—	0	—
Deferred tax assets		—	—	0	—
Inventories		—	—	0	—
Intangible assets other than goodwill		—	—	0	—
Net fixed assets		9,357	8,405	13,183	162,319
Liabilities and equity		879,972	1,114,387	1,521,814	2,734,879
Liabilities		429,099	586,467	936,097	2,094,177
+ DepositsDeposits Total value of all deposit accounts		0	0	0	0
+ Gender
Male	—	—	0	0	—
Female	—	—	0	0	—
Legal entity	—	—	0	0	—
+ Products (deposits)
Deposits from corporations	—	—	0	0	0
Deposits from financial institutions	—	—	0	0	0
Deposits from governments	—	—	0	0	0
+ Retail deposits	—	0	0	0	0
+ Voluntary deposits	—	0	0	0	0
Demand deposits	—	0	0	0	0
Time deposits	—	0	0	0	0
Compulsory deposits	—	0	0	0	0
Borrowings		364,772	522,365	822,015	1,967,076
Subordinated debt		—	—	0	—
Other short term financial liabilities		—	—	0	—
Trade and other payables		64,327	2,137	68,592	23,431
Provisions for employee benefits		—	—	0	68,771
Deferred revenue		—	—	0	—
Current tax liabilities		—	—	0	—
Deferred tax liabilities		—	—	0	—
Equity		450,873	527,920	585,716	640,702
Paid in capital		157,115	409,544	483,013	532,461
Retained earnings		50,953	55,413	54,094	54,144
Share premium		—	—	0	—
Treasury shares		—	—	0	—
Donated equity		187,040	—	0	—
Equity reserves		55,765	62,963	48,610	54,097
Other equity interest		0	—	0	—

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