Microcredit deposit-taking organizaition Arvand

MDO Arvand4

Microcredit deposit-taking organizaition Arvand

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Institutional Characteristics

Institutional Characteristics
MFI name	MDO Arvand	MDO Arvand
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-03-31	2011-12-31
Assets	—	15,980,672
OfficesOffices Number, including head office	—	37
+ PersonnelPersonnel Total number of staff members	—	223
+ Gender
Female	—	69

Financing Structure

Financing Structure
MFI name	MDO Arvand	MDO Arvand
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-03-31	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	—	16.91%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—	4.91
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	—	1.97%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	—	1.63%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	—	82.84%

Outreach Indicators

Outreach Indicators
MFI name	MDO Arvand	MDO Arvand
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-03-31	2011-12-31
As of date	2011-03-31	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	12,921	15,392
+ Relationship
External customers	—	15,287
Management and staff	—	105
+ Gender
Male	—	8,812
Female	—	6,572
Legal entity	—	8
+ Location
Urban	—	6,167
Rural	—	9,225
Percent of female borrowers	—	42.70%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	—	15,578
+ Delinquency
Less than one month	—	15,553
+ One month or more	—	—
From one to three months	—	4
+ More than three months	—	—
From three to six months	—	0
+ More than six months	—	—
From six to twelve months	—	10
One year or more	—	3
Renegotiated loans	—	8
+ Location
Urban	—	6,264
Rural	—	9,314
+ Products (credit)
Loans to corporations	—	0
Loans to financial institutions	—	2
Loans to governments	—	0
+ Retail loans	—	15,576
+ Household financing	—	4,568
Consumption	—	3,927
Education	—	0
Mortgage housing	—	0
Household other	—	641
Microenterprise	—	11,008
+ Relationship
External customers	—	15,461
Management and staff	—	117
+ Methodology
Individual	—	5,063
Solidarity group	—	10,515
Village banking s h g	—	0
+ Gender
Male	—	8,921
Female	—	6,649
Legal entity	—	8
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	10,162,861	13,238,804
+ Delinquency
Less than one month	—	13,179,422
+ One month or more	—	38,113
From one to three months	53,083	5,925
+ More than three months	—	32,188
From three to six months	—	0
+ More than six months	—	32,188
From six to twelve months	—	13,210
One year or more	—	18,978
Renegotiated loans	—	21,268
+ Location
Urban	—	6,910,882
Rural	—	6,327,922
+ Products (credit)
Loans to corporations	—	0
Loans to financial institutions	—	55,910
Loans to governments	—	0
+ Retail loans	—	13,182,894
+ Household financing	—	2,406,593
Consumption	—	2,175,889
Education	—	0
Mortgage housing	—	0
Household other	—	230,704
Microenterprise	—	10,776,302
+ Relationship
External customers	—	12,810,055
Management and staff	—	428,749
+ Methodology
Individual	—	8,317,370
Solidarity group	—	4,921,434
Village banking s h g	—	0
+ Gender
Male	—	8,884,526
Female	—	4,177,454
Legal entity	—	176,824
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	787	860
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	101.20%	—
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	—	850
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	211	970
+ Products (deposits)
Deposits from corporations	—	3
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	967
+ Voluntary deposits	—	967
Demand deposits	—	116
Time deposits	—	851
Compulsory deposits	—	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	1,009
+ Products (deposits)
Deposits from corporations	—	3
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	1,006
+ Voluntary deposits	—	1,006
Demand deposits	—	116
Time deposits	—	890
Compulsory deposits	—	0
+ DepositsDeposits Total value of all deposit accounts	—	260,336
+ Products (deposits)
Deposits from corporations	—	88,236
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	172,100
+ Voluntary deposits	—	172,100
Demand deposits	—	11,828
Time deposits	—	160,272
Compulsory deposits	—	0
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	—	268
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	—	258
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	MDO Arvand	MDO Arvand
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-03-31	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—	3.58%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—	19.47%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	118.79%

Revenues

Revenues
MFI name	MDO Arvand	MDO Arvand
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-03-31	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—	30.31%
Profit marginProfit margin Net Operating Income / Financial Revenue	—	15.82%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	37.20%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	MDO Arvand	MDO Arvand
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-03-31	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—	25.52%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	11.76%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—	0.14%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	13.62%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	9.41%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	4.21%

Efficiency

Efficiency
MFI name	MDO Arvand	MDO Arvand
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-03-31	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—	17.56%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	12.13%
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	—	138
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—	134

Productivity

Productivity
MFI name	MDO Arvand	MDO Arvand
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-03-31	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	—	69
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	70
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	140	154
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	—	156
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	—	4
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—	5
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	—	44.84%

Risk And Liquidity

Risk And Liquidity
MFI name	MDO Arvand	MDO Arvand
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	4
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-03-31	2011-12-31
As of date	2011-03-31	2011-12-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	0.52%	0.45%
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	0.05%	0.24%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	0.24%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—	92.34%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	4.84%

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MDO Arvand4

Microcredit deposit-taking organizaition Arvand

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