MIX Microfinance Information eXchange

MIX Market

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KSF4Kraban Support Foundation

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
Total assets 405,593 455,476 568,578 1,336,340 1,124,553
Offices — — — 6 3
Personnel 12 15 15 18 18

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Capital/asset ratio 41.86% 77.76% 79.15% 67.48% 69.73%
Debt to equity ratio 1.39 0.29 0.26 0.48 0.43
Deposits to loans — — — 2.59% 2.45%
Deposits to total assets — — — 1.68% 2.30%
Gross loan portfolio to total assets 91.16% 84.83% 89.10% 64.70% 94.00%

Outreach

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
+ Number of active borrowers 6,517 6,822 7,052 8,045 9,606
— — — — — 302
— 6,296 6,260 4,561 7,052 9,304
— — — — — 9,606
— — — — — 9,606
— — — — — 9,588
— — — — — 18
— — — — — 578
— — — — — 8,936
— — — — — 92
— — — — — 2,190
— — — — — 7,416
Percent of women borrowers 96.61% 91.76% 64.68% 87.66% 96.86%
+ Number of outstanding loans — — — 8,045 9,606
— — — — — 2,190
— — — — — 7,416
— — — — 8,045 8,936
— — — — — —
— — — — 0 598
— — — — — —
— — — — 0 72
— — — — — —
— — — — 0 0
— — — — 0 0
— — — — 0 0
— — — — — 578
— — — — — 8,936
— — — — — 92
— — — — — 9,588
— — — — — 18
— — — — — 9,606
— — — — — 9,606
— — — — — 302
— — — — — 9,304
+ Gross loan portfolio 369,758 386,391 506,588 864,587 1,057,102
— — — — — 179,799
— — — — — 894,863
— — — — 822,730 973,521
— 33,278 29,340 — 41,857 —
— — — — 32,129 74,535
— — — — — —
— — — — 9,697 9,046
— — — — — —
— — — — 32 0
— — — — 0 0
— — — — 0 0
— — — — — 1,968
— — — — — 1,043,834
— — — — — 28,860
— — — — — 1,050,652
— — — — — 6,450
— — — — — 1,057,102
— — — — — 1,057,102
— — — — — 147,702
— — — — — 926,959
Average loan balance per borrower 57 57 72 107 110
Average loan balance borrower per borrower / GNI per capita 15.33% 12.87% 14.09% 18.22% 18.65%
Average outstanding balance — — — 107 110
Average outstanding balance / GNI per capita — — — 18.22% 18.65%
+ Number of depositors 0 0 0 8,045 9,606
— — — — — 9,606
— — — — — 9,606
+ Number of deposit accounts — — — 8,045 9,606
— — — — — 9,606
— — — — — 9,606
+ Deposits — — — 22,405 25,903
— — — — 22,405 25,903
— 0 0 0 969 —
— — — — 969 —
— — — — 0 —
— — — — 21,436 25,903
Average deposit balance per depositor — — — 3 3
Average deposit balance per depositor / GNI per capita — — — 0.00% 0.00%
Average deposit account balance — — — 3 3
Average deposit account balance / GNI per capita — — — 0 0

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Return on assets 7.56% -3.22% -1.52% 0.68% 0.63%
Return on equity 11.31% -5.29% -1.93% 0.96% 0.92%
Operational self sufficiency 161.62% 87.74% 94.61% 104.58% 108.33%

Revenues

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Financial revenue/ assets 19.82% 23.04% 26.66% 15.54% 13.83%
Profit margin 38.13% -13.98% -5.69% 4.38% 7.69%
Yield on gross portfolio (nominal) — — — 21.58% 17.08%
Yield on gross portfolio (real) — — — 9.80% 5.74%

Expenses

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Total expense/ assets 12.26% 26.25% 28.18% 14.86% 12.77%
Financial expense/ assets 0.30% 1.86% 1.12% 1.31% 1.74%
Provision for loan impairment/ assets 1.97% 4.80% 2.99% 2.33% 1.38%
Operating expense/ assets 9.99% 19.59% 24.07% 11.22% 9.65%
Personnel expense/ assets — — — 4.59% 3.57%
Administrative expense/ assets — — — 6.62% 6.08%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Operating expense/ loan portfolio 10.71% 22.31% 27.60% 15.58% 12.36%
Personnel expense/ loan portfolio — — — 6.38% 4.58%
Average salary/ GNI per capita — — — 4.49 4.14
Cost per borrower 6 13 18 14 13
Cost per loan — — — — 13

Productivity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Borrowers per staff member 543 455 470 447 534
Loans per staff member — — — 447 534
Borrowers per loan officer — — — 447 801
Loans per loan officer — — — 447 801
Depositors per staff member 0 0 0 447 534
Deposit accounts per staff member — — — 447 534
Personnel allocation ratio — — — 100.00% 66.67%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Portfolio at risk > 30 days 9.00% 7.59% — 4.84% 7.91%
Portfolio at risk > 90 days — — — 1.13% 0.86%
Write-off ratio 0.23% 0.72% — 2.15% 0.00%
Loan loss rate 0.23% 0.72% 0.61% 2.15% 0.00%
Risk coverage 5.56% 100.72% — 51.29% 17.12%
Non-earning liquid assets as a % of total assets — — — 10.01% 4.40%