Instituto de Investigaciones Socio-Económicas y Tecnológicas

INSOTEC5

Instituto de Investigaciones Socio-Económicas y Tecnológicas

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Institutional Characteristics

Institutional Characteristics
MFI name	INSOTEC	INSOTEC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Assets	12,740,606	—
OfficesOffices Number, including head office	6	—
+ PersonnelPersonnel Total number of staff members	86	—
+ Gender
Female	39	—

Financing Structure

Financing Structure
MFI name	INSOTEC	INSOTEC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	21.74%	—
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	3.60	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	0.00%	—
Deposits to total assetsDeposits to total assets Deposits / Total Assets	0.00%	—
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	91.77%	—

Outreach Indicators

Outreach Indicators
MFI name	INSOTEC	INSOTEC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
As of date	2011-12-31	2012-09-30
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	9,749	12,360
+ Gender
Male	5,710	—
Female	4,039	4,942
Legal entity	0	—
+ Relationship
External customers	9,742	—
Management and staff	7	—
+ Location
Urban	3,508	—
Rural	6,241	—
+ Products (credit)
+ Retail loans	—	—
Microenterprise	—	12,360
Percent of female borrowers	41.43%	39.98%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	9,779	—
+ Gender
Male	5,719	—
Female	4,060	—
Legal entity	0	—
+ Methodology
Individual	9,779	—
Solidarity group	0	—
Village banking s h g	0	—
+ Location
Urban	3,515	—
Rural	6,264	—
+ Delinquency
Less than one month	9,516	—
+ One month or more	—	—
From one to three months	114	—
+ More than three months	—	—
From three to six months	93	—
+ More than six months	—	—
From six to twelve months	56	—
One year or more	0	—
Renegotiated loans	0	—
+ Relationship
External customers	9,772	—
Management and staff	7	—
+ Products (credit)
+ Retail loans	9,779	—
Microenterprise	9,779	—
+ Household financing	0	—
Education	0	—
Consumption	0	—
Household other	0	—
Mortgage housing	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	11,691,851	15,663,371
+ Gender
Male	7,002,368	—
Female	4,689,483	—
Legal entity	0	—
+ Methodology
Individual	11,691,851	—
Solidarity group	0	—
Village banking s h g	0	—
+ Location
Urban	4,143,942	—
Rural	7,547,909	—
+ Delinquency
Less than one month	11,537,725	—
+ One month or more	154,126	327,287
From one to three months	62,602	—
+ More than three months	91,524	—
From three to six months	58,878	—
+ More than six months	32,646	—
From six to twelve months	32,646	—
One year or more	0	—
Renegotiated loans	0	—
+ Relationship
External customers	11,688,710	—
Management and staff	3,141	—
+ Products (credit)
+ Retail loans	11,691,851	—
Microenterprise	11,691,851	15,663,371
+ Household financing	0	—
Education	0	—
Consumption	0	—
Household other	0	—
Mortgage housing	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	1,199	1,267
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	28.06%	29.65%
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	1,196	—
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	27.97%	—
+ Number of depositorsNumber of depositors Number of depositors with any type of deposit account	0	—
+ Products (deposits)
+ Retail deposits	0	—
Voluntary deposits	0	—
Compulsory deposits	0	—
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	0	—
+ Products (deposits)
+ Retail deposits	0	—
Voluntary deposits	0	—
Compulsory deposits	0	—
+ DepositsDeposits Total value of all deposit accounts	0	—
+ Products (deposits)
+ Retail deposits	0	—
Voluntary deposits	0	—
Compulsory deposits	0	—
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	—	—
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	—	—
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	—	—
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	—	—

Overall Financial Performance

Overall Financial Performance
MFI name	INSOTEC	INSOTEC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	5.48%	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	22.93%	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	127.19%	—

Revenues

Revenues
MFI name	INSOTEC	INSOTEC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	33.34%	—
Profit marginProfit margin Net Operating Income / Financial Revenue	21.38%	—
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	34.22%	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	28.57%	—

Expenses

Expenses
MFI name	INSOTEC	INSOTEC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	26.21%	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	7.79%	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	1.41%	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	17.01%	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	12.65%	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	4.36%	—

Efficiency

Efficiency
MFI name	INSOTEC	INSOTEC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	19.29%	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	14.35%	—
Average salary/ GNI per capitaAverage salary/ GNI per capita Average Personnel Expense / GNI per capita	3.97	—
Cost per borrowerCost per borrower Operating Expense / Average Number of Active Borrowers	201	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	196	—

Productivity

Productivity
MFI name	INSOTEC	INSOTEC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	113	—
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	114	—
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	244	—
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	244	—
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	0	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	0	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	46.51%	—

Risk And Liquidity

Risk And Liquidity
MFI name	INSOTEC	INSOTEC
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	5	-
Currency	USD	USD
Fiscal year	2011	2012
Period type	ANN	QTR
As of date	2011-12-31	2012-09-30
As of date	2011-12-31	2012-09-30
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	1.32%	2.09%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.78%	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	1.97%	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	1.30%	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	209.46%	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	6.23%	—

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Instituto de Investigaciones Socio-Económicas y Tecnológicas

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