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Manuela Ramos5Movimiento Manuela Ramos

Compare Manuela Ramos to all MFIs.
Create a customized performance report. All peer group indicators are median values. Graphs show values from the 25th and 75th percentiles, with median midpoint. Data source: Unadjusted.

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Year
Peer groups

Offices

Total assets

Personnel

Legend

  • All
  • Manuela Ramos
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
Currency USD USD
Total assets 4,445,589 5,409,153
Offices 6 8
Personnel 81 78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

  • All
  • Manuela Ramos
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
Capital/asset ratio 59.12% 22.28%
Debt to equity ratio 0.69 3.14
Deposits to loans — 17.93%
Deposits to total assets — 12.36%
Gross loan portfolio to total assets 90.87% 78.34%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

  • All
  • Manuela Ramos
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
Currency USD USD
Number of active borrowers 15,774 7,997
Percent of women borrowers 99.99% 60.46%
Number of outstanding loans 16,982 8,293
Gross loan portfolio 4,039,841 3,614,788
Average loan balance per borrower 256 592
Average loan balance borrower per borrower / GNI per capita 7.51% 35.69%
Average outstanding balance 238 571
Average outstanding balance / GNI per capita 6.98% 34.39%
Number of depositors — 641
Number of deposit accounts — 1,728
Deposits 0 376,783
Average deposit balance per depositor — 168
Average deposit balance per depositor / GNI per capita — 15.00%
Average deposit account balance — 157
Average deposit account balance / GNI per capita — 0

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

  • All
  • Manuela Ramos
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Return on assets 6.50% 2.10%
Return on equity 10.57% 9.72%
Operational self sufficiency 121.02% 112.26%
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Financial revenue/ assets 37.40% 25.27%
Profit margin 17.37% 11.04%
Yield on gross portfolio (nominal) 44.40% 30.77%
Yield on gross portfolio (real) 41.88% 22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

  • All
  • Manuela Ramos
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Total expense/ assets 30.91% 23.09%
Financial expense/ assets 3.62% 5.26%
Provision for loan impairment/ assets -0.18% 1.13%
Operating expense/ assets 27.47% 14.51%
Personnel expense/ assets 18.97% 8.07%
Administrative expense/ assets 8.50% 6.41%
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Operating expense/ loan portfolio 31.92% 19.22%
Personnel expense/ loan portfolio 22.04% 10.70%
Average salary/ GNI per capita 3.33 3.69
Cost per borrower 78 137
Cost per loan 72 134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

  • All
  • Manuela Ramos
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
Borrowers per staff member 195 98
Loans per staff member 210 102
Borrowers per loan officer 336 245
Loans per loan officer 361 252
Depositors per staff member — 40
Deposit accounts per staff member — 53
Personnel allocation ratio 58.02% 44.80%
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
USD USD
Portfolio at risk > 30 days 0.06% 3.59%
Portfolio at risk > 90 days 0.04% 2.03%
Write-off ratio — 0.36%
Loan loss rate -0.61% 0.20%
Risk coverage 1,839.53% 75.73%
Non-earning liquid assets as a % of total assets 6.39% 11.99%
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
Currency USD USD
4,445,589 5,316,293
284,163 726,418
140,131 171,459
— 0
— 0
— 0
3,997,380 3,352,616
4,039,841 3,548,055
42,461 111,590
— 0
— 0
— 0
— 0
— 4,126
3,512 16,574
15,408 191,808
4,445,589 5,293,138
1,817,332 3,667,710
0 414,688
1,694,860 1,396,991
— 0
— 4,040
78,292 150,045
44,181 20,617
— 4,052
— 8,389
— 0
2,628,257 1,220,875
676,575 432,158
296,428 141,526
— 0
— 0
1,441,642 156,609
213,612 90,962
— 0
Manuela Ramos All
Number of MFIs 1 451
As of date 2008-12-31 2008
15,774 8,019
16,982 8,456
— 1,075
— 2,064
Manuela Ramos All
Number of MFIs 1 451
Start date 2008-01-01 2008
As of date 2008-12-31 2008
Currency USD USD
1,544,157 1,274,256
1,581,346 1,212,336
1,578,812 1,054,993
1,577,788 998,284
0 13,077
1,024 1,649
2,535 97,643
0 58,055
84 0
0 0
2,451 2
0 10,904
-37,189 0
— 0
— —
— 0
— 0
— 0
— 0
— 0
— 0
149,284 240,482
149,284 261,393
63,272 250,036
62,054 144,016
0 19,270
0 0
86,012 984
0 0
0 0
86,012 67
— 0
-7,558 52,584
14,015 68,636
21,573 1,857
1,134,180 859,507
783,212 481,282
3,809 34,234
347,159 338,218
268,252 82,728
Non operating income net -199 0
268,052 87,247
Tax expense 0 3,988
268,052 73,372
Donations 50,709 2,252
318,761 107,069
Manuela Ramos All
Number of MFIs 1 451
Start date 2008-01-01 2008
As of date 2008-12-31 2008
Currency USD USD
Impairment loss (reversal of impairment loss), gross loan portfolio 14,015 68,757
14,015 72,579
0 0
Other movements on impairment loss allowance 0 0
Exchange differences on impairment loss 0 0
Write offs 0 11,480