Mutuelle des Groupements de Producteurs de Café et Cacao

MGPCC DEKAWOWO4

Mutuelle des Groupements de Producteurs de Café et Cacao

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Institutional Characteristics

Institutional Characteristics
MFI name	MGPCC DEKAWOWO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Assets	2,711,845
OfficesOffices Number, including head office	3
+ PersonnelPersonnel Total number of staff members	37
+ Gender
Female	18

Financing Structure

Financing Structure
MFI name	MGPCC DEKAWOWO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	41.48%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	1.41
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	63.63%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	46.23%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	72.65%

Outreach Indicators

Outreach Indicators
MFI name	MGPCC DEKAWOWO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3
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	1,666
+ Relationship
External customers	1,623
Management and staff	43
+ Gender
Male	835
Female	581
Legal entity	250
+ Location
Urban	1,031
Rural	635
Percent of female borrowers	34.87%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	2,093
+ Delinquency
Less than one month	1,733
+ One month or more	—
From one to three months	73
+ More than three months	—
From three to six months	110
+ More than six months	—
From six to twelve months	100
One year or more	77
Renegotiated loans	0
+ Location
Urban	1,031
Rural	1,062
+ Products (credit)
Loans to corporations	650
Loans to financial institutions	0
Loans to governments	0
+ Retail loans	1,443
+ Household financing	331
Consumption	0
Education	288
Mortgage housing	43
Household other	0
Microenterprise	1,112
+ Relationship
External customers	2,050
Management and staff	43
+ Methodology
Individual	1,443
Solidarity group	650
Village banking s h g	0
+ Gender
Male	835
Female	581
Legal entity	677
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	1,970,253
+ Delinquency
Less than one month	1,807,629
+ One month or more	162,624
From one to three months	41,228
+ More than three months	121,396
From three to six months	57,225
+ More than six months	64,171
From six to twelve months	49,116
One year or more	15,055
Renegotiated loans	0
+ Location
Urban	1,057,651
Rural	912,602
+ Products (credit)
Loans to corporations	697,119
Loans to financial institutions	0
Loans to governments	0
+ Retail loans	1,273,133
+ Household financing	122,473
Consumption	0
Education	71,395
Mortgage housing	51,078
Household other	0
Microenterprise	1,150,660
+ Relationship
External customers	1,919,175
Management and staff	51,078
+ Methodology
Individual	1,273,133
Solidarity group	697,119
Village banking s h g	0
+ Gender
Male	832,046
Female	342,523
Legal entity	795,684
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	1,183
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	941
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	4,669
+ Products (deposits)
Deposits from corporations	32
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	4,637
+ Voluntary deposits	4,637
Demand deposits	4,637
Time deposits	0
Compulsory deposits	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	7,600
+ Products (deposits)
Deposits from corporations	40
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	7,560
+ Voluntary deposits	7,560
Demand deposits	7,560
Time deposits	0
Compulsory deposits	0
+ DepositsDeposits Total value of all deposit accounts	1,253,606
+ Products (deposits)
Deposits from corporations	9,749
Deposits from financial institutions	0
Deposits from governments	0
+ Retail deposits	1,243,856
+ Voluntary deposits	1,243,856
Demand deposits	1,243,856
Time deposits	0
Compulsory deposits	0
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	269
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	165
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	MGPCC DEKAWOWO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3
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	1.90%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	3.97%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	122.23%

Revenues

Revenues
MFI name	MGPCC DEKAWOWO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3
Currency	USD
Fiscal year	2011
Period type	ANN
As of date	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	10.47%
Profit marginProfit margin Net Operating Income / Financial Revenue	18.19%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	11.32%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—

Expenses

Expenses
MFI name	MGPCC DEKAWOWO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3
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	8.56%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	0.39%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	0.67%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	7.50%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	2.89%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	4.61%

Efficiency

Efficiency
MFI name	MGPCC DEKAWOWO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3
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	10.72%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	4.13%
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	123
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	98

Productivity

Productivity
MFI name	MGPCC DEKAWOWO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3
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	45
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	57
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	333
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	419
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	126
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	205
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	13.51%

Risk And Liquidity

Risk And Liquidity
MFI name	MGPCC DEKAWOWO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	3
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	8.25%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	6.16%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	0.53%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	0.53%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	41.11%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	10.65%

MFI Report

MGPCC DEKAWOWO4

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