Koperasi Mitra Dhuafa

KOMIDA4

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Institutional Characteristics

Institutional Characteristics
MFI name	KOMIDA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Assets	7,723,349
OfficesOffices Number, including head office	39
+ PersonnelPersonnel Total number of staff members	409
+ Gender
Female	143

Financing Structure

Financing Structure
MFI name	KOMIDA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	52.32%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	0.91
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	9.51%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	6.87%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	72.30%

Outreach Indicators

Outreach Indicators
MFI name	KOMIDA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	68,278
+ Relationship
External customers	68,278
Management and staff	0
+ Gender
Male	0
Female	68,278
Legal entity	0
+ Location
Urban	4,780
Rural	63,498
Percent of female borrowers	100.00%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	68,278
+ Delinquency
Less than one month	67,756
+ One month or more	—
From one to three months	309
+ More than three months	—
From three to six months	36
+ More than six months	—
From six to twelve months	71
One year or more	106
Renegotiated loans	0
+ Methodology
Individual	65
Solidarity group	68,213
Village banking s h g	0
+ Location
Urban	4,780
Rural	63,498
+ Relationship
External customers	68,278
Management and staff	0
+ Gender
Male	0
Female	68,278
Legal entity	0
+ Products (credit)
+ Loans to corporations	0
Loans to large corporations	0
Loans to financial institutions	0
Loans to governments	0
Loans to small and medium enterprises	0
+ Retail loans	68,278
Microenterprise	68,213
+ Household financing	65
Education	65
Consumption	0
Household other	0
Mortgage housing	0
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	5,583,754
+ Delinquency
Less than one month	5,532,544
+ One month or more	51,210
From one to three months	28,939
+ More than three months	22,272
From three to six months	3,712
+ More than six months	18,560
From six to twelve months	7,424
One year or more	11,136
Renegotiated loans	0
+ Methodology
Individual	7,090
Solidarity group	5,576,664
Village banking s h g	0
+ Location
Urban	390,863
Rural	5,192,891
+ Relationship
External customers	5,583,754
Management and staff	0
+ Gender
Male	0
Female	5,583,754
Legal entity	0
+ Products (credit)
+ Loans to corporations	0
Loans to large corporations	0
Loans to financial institutions	0
Loans to governments	0
Loans to small and medium enterprises	0
+ Retail loans	5,583,754
Microenterprise	5,576,664
+ Household financing	7,090
Education	7,090
Consumption	0
Household other	0
Mortgage housing	0
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	82
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	2.80%
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	82
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	2.80%
+ Number of depositorsNumber of depositors Number of depositors with any type of deposit account	45,518
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	45,518
+ Voluntary deposits	45,518
Demand deposits	25,035
Time deposits	20,483
Compulsory deposits	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	138,455
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	138,455
+ Voluntary deposits	138,455
Demand deposits	69,296
Time deposits	69,159
Compulsory deposits	0
+ DepositsDeposits Total value of all deposit accounts	530,937
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	530,937
+ Voluntary deposits	530,937
Demand deposits	424,366
Time deposits	106,571
Compulsory deposits	0
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	12
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	0.00%
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	4
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	0.00%

Overall Financial Performance

Overall Financial Performance
MFI name	KOMIDA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	1.95%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	3.80%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	106.81%

Revenues

Revenues
MFI name	KOMIDA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	30.54%
Profit marginProfit margin Net Operating Income / Financial Revenue	6.37%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	45.12%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	37.30%

Expenses

Expenses
MFI name	KOMIDA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	28.60%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	3.60%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	1.18%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	23.82%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	15.61%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	8.21%

Efficiency

Efficiency
MFI name	KOMIDA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	36.38%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	23.84%
Average salary/ GNI per capitaAverage salary/ GNI per capita Average Personnel Expense / GNI per capita	1.09
Cost per borrowerCost per borrower Operating Expense / Average Number of Active Borrowers	31
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	31

Productivity

Productivity
MFI name	KOMIDA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	167
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	167
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	236
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	236
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	111
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	339
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	70.66%

Risk And Liquidity

Risk And Liquidity
MFI name	KOMIDA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	4
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
As of date	2011-12-31
Currency	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	0.92%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	0.40%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.80%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.80%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	67.60%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	16.80%

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KOMIDA4

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