M7 Mai Sơn, Sơn La

M7 Mai Son4

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Institutional Characteristics

Institutional Characteristics
MFI name	M7 Mai Son
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	1,038,167
OfficesOffices Number, including head office	5
+ PersonnelPersonnel Total number of staff members	25
+ Gender
Female	25

Financing Structure

Financing Structure
MFI name	M7 Mai Son
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	40.54%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	1.47
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	30.85%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	27.19%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	88.14%

Outreach Indicators

Outreach Indicators
MFI name	M7 Mai Son
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	2,930
+ Relationship
External customers	2,930
Management and staff	0
+ Gender
Male	20
Female	2,910
Legal entity	0
Percent of female borrowers	99.32%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	4,038
+ Methodology
Individual	0
Solidarity group	4,038
Village banking s h g	0
+ Products (credit)
Loans to corporations	0
Loans to financial institutions	0
Loans to governments	0
+ Retail loans	4,038
+ Household financing	0
Consumption	0
Education	0
Mortgage housing	0
Household other	0
Microenterprise	4,038
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	915,073
+ Methodology
Individual	0
Solidarity group	915,073
Village banking s h g	0
+ Relationship
External customers	915,073
Management and staff	0
+ Products (credit)
Loans to corporations	0
Loans to financial institutions	0
Loans to governments	0
+ Retail loans	915,073
+ Household financing	0
Consumption	0
Education	0
Mortgage housing	0
Household other	0
Microenterprise	915,073
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	312
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	—
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	227
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	—
+ Number of depositorsNumber of depositors Number of depositors with any type of deposit account	9,178
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	9,178
+ Voluntary deposits	3,779
Demand deposits	3,779
Time deposits	0
Compulsory deposits	5,399
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	9,178
+ Products (deposits)
+ Retail deposits	9,178
+ Voluntary deposits	3,779
Demand deposits	3,779
Time deposits	0
Compulsory deposits	5,399
+ DepositsDeposits Total value of all deposit accounts	282,262
+ Products (deposits)
Deposits from corporations	0
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	282,262
+ Voluntary deposits	163,385
Demand deposits	163,385
Time deposits	0
Compulsory deposits	118,877
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	31
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	31
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	M7 Mai Son
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	12.14%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	27.05%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	201.07%

Revenues

Revenues
MFI name	M7 Mai Son
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	24.16%
Profit marginProfit margin Net Operating Income / Financial Revenue	50.27%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	26.78%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	M7 Mai Son
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	12.02%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	2.22%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.09%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	9.71%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	7.67%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	2.04%

Efficiency

Efficiency
MFI name	M7 Mai Son
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	10.79%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	8.53%
Average salary/ GNI per capitaAverage salary/ GNI per capita Average Personnel Expense / GNI per capita	—
Cost per borrowerCost per borrower Operating Expense / Average Number of Active Borrowers	32
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	24

Productivity

Productivity
MFI name	M7 Mai Son
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	117
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	162
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	225
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	311
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	367
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	367
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	52.00%

Risk And Liquidity

Risk And Liquidity
MFI name	M7 Mai Son
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	—
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	—
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.00%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	1.43%

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M7 Mai Son4

M7 Mai Sơn, Sơn La

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