Comparative report | MIX Market

Compare Microinvest 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.

1. Choose data set

Country

Offices

Total assets

Personnel

Legend

All
Microinvest

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	40,835,069	5,379,046
Offices	15	8
Personnel	100	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
Microinvest

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	19.92%	22.28%
Debt to equity ratio	4.02	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	63.19%	78.38%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

All
Microinvest

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	4,388	7,997
Percent of women borrowers	48.47%	60.46%
Number of outstanding loans	4,607	8,293
Gross loan portfolio	25,802,283	3,577,439
Average loan balance per borrower	5,880	592
Average loan balance borrower per borrower / GNI per capita	485.97%	35.69%
Average outstanding balance	5,601	571
Average outstanding balance / GNI per capita	462.87%	34.39%
Number of depositors	—	641
Number of deposit accounts	—	1,728
Deposits	0	364,182
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
Microinvest

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	1.04%	2.10%
Return on equity	4.51%	9.72%
Operational self sufficiency	105.44%	112.24%

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	20.12%	25.27%
Profit margin	5.16%	11.03%
Yield on gross portfolio (nominal)	33.08%	30.77%
Yield on gross portfolio (real)	18.43%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
Microinvest

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	19.08%	23.09%
Financial expense/ assets	10.75%	5.26%
Provision for loan impairment/ assets	2.51%	1.13%
Operating expense/ assets	5.82%	14.51%
Personnel expense/ assets	2.87%	8.07%
Administrative expense/ assets	2.95%	6.41%

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	10.40%	19.22%
Personnel expense/ loan portfolio	5.12%	10.70%
Average salary/ GNI per capita	9.88	3.69
Cost per borrower	535	137
Cost per loan	518	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
Microinvest

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	44	98
Loans per staff member	46	102
Borrowers per loan officer	90	245
Loans per loan officer	94	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	49.00%	44.80%

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	3.48%	3.57%
Portfolio at risk > 90 days	2.50%	2.00%
Write-off ratio	1.04%	0.36%
Loan loss rate	0.89%	0.20%
Risk coverage	93.45%	76.09%
Non-earning liquid assets as a % of total assets	34.64%	11.99%

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	40,835,069	5,293,138
Cash and cash equivalents	14,145,671	721,678
Total trade and receivables	998,026	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	24,329,004	3,348,370
Gross loan portfolio	25,802,283	3,514,762
Impairment loss allowance	838,315	109,113
Unearned income and discount	634,964	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	21,929	4,126
Intangible assets other than goodwill	82,413	16,574
Net fixed assets	1,258,026	188,490
Liabilities and equity	40,835,069	5,288,312
Total liabilities	32,699,319	3,666,852
Deposits	0	408,913
Total borrowings	32,191,454	1,396,991
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	498,784	150,045
Provisions for employee benefits	—	20,617
Deferred revenue	9,080	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	8,135,751	1,220,875
Paid in capital	7,104,387	434,291
Retained earnings total	444,341	141,526
Share premium	0	0
Treasury shares	0	0
Donated equity total	0	156,609
Equity reserves	587,022	90,962
Other equity interest	0	0

	Microinvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	4,388	8,009
Number of outstanding loans	4,607	8,456
Number of depositors	—	1,070
Number of deposit accounts	—	2,060

	Microinvest	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	6,543,463	1,255,526
Interest and fee income	6,737,396	1,187,056
Revenue from interest	5,410,943	1,056,911
Interest income from loans	4,693,186	1,006,275
Financial revenue from investments	716,807	13,077
Other interest income	949	1,649
Fee and commission income	1,326,454	95,482
Fee income from loans	545,601	58,055
Income from penalty fees	780,852	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	11,419	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	-205,353	0
Gains (losses) on disposals of property, plant and equipment	—	0
Gains (losses) on financial assets	—	—
Gains (losses) on financial liabilities at fair value through profit or loss	—	0
Gains (losses) on held-to-maturity investments	—	0
Gains (losses) on loans and receivables	—	0
Gains (losses) on available-for-sale financial assets	—	0
Gains (losses) on financial liabilities at amortised cost	—	0
Gains (losses) on net monetary position	—	0
Financial expense	3,496,919	240,482
Interest and fee expense	3,115,096	261,393
Interest expense	3,115,096	250,036
Interest expense on borrowings	3,115,096	143,038
Interest expense on deposits	—	19,270
Interest expense on subordinated debt	—	0
Fee expense	—	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	—	0
Other fee and commission expense	—	67
Other financial expense	381,823	0
Net impairment loss, gross loan portfolio	816,885	52,097
Impairment loss (reversal of impairment loss), gross loan portfolio	842,855	67,068
Recovery loan losses	25,970	1,857
Operating expense	1,892,146	858,343
Personnel expense	932,303	481,282
Depreciation expense	86,671	34,136
Administrative expense	873,171	337,503
Net operating income	337,514	82,657
Non operating income net	0	0
Net income before taxes and donations	337,514	87,247
Tax expense	—	3,988
Net income after taxes before donations	337,514	73,372
Donations	23,881	2,252
Net income after taxes and donations	361,395	107,069

	Microinvest	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	842,855	68,757
Impairment loss recognised	842,855	72,579
Reversal of impairment loss	—	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	0	0
Write offs	188,819	11,444

MIX Market

Microinvest5JV MFO Microinvest LLC

1. Choose data set

2. Choose display options

Offices

Total assets

Personnel

Legend

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

Return on assets

Return on equity

Yield on gross portfolio (nominal)

Legend

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend