Comparative report | MIX Market

Compare MLF 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.

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Country

Offices

Total assets

Personnel

Legend

All
MLF MicroInvest

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	9,410,620	5,379,046
Offices	20	8
Personnel	171	77

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
MLF MicroInvest

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	20.62%	22.28%
Debt to equity ratio	3.85	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	86.93%	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
MLF MicroInvest

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	13,098	7,997
Percent of women borrowers	45.93%	60.46%
Number of outstanding loans	13,248	8,293
Gross loan portfolio	8,181,026	3,577,439
Average loan balance per borrower	625	592
Average loan balance borrower per borrower / GNI per capita	135.78%	35.69%
Average outstanding balance	618	571
Average outstanding balance / GNI per capita	134.25%	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
MLF MicroInvest

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	8.60%	2.10%
Return on equity	41.60%	9.72%
Operational self sufficiency	141.90%	112.24%

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	43.71%	25.27%
Profit margin	28.53%	11.03%
Yield on gross portfolio (nominal)	48.71%	30.77%
Yield on gross portfolio (real)	31.40%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
MLF MicroInvest

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	30.80%	23.09%
Financial expense/ assets	12.33%	5.26%
Provision for loan impairment/ assets	3.20%	1.13%
Operating expense/ assets	15.27%	14.51%
Personnel expense/ assets	9.83%	8.07%
Administrative expense/ assets	5.45%	6.41%

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	17.34%	19.22%
Personnel expense/ loan portfolio	11.16%	10.70%
Average salary/ GNI per capita	11.36	3.69
Cost per borrower	99	137
Cost per loan	98	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
MLF MicroInvest

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	77	98
Loans per staff member	77	102
Borrowers per loan officer	149	245
Loans per loan officer	151	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	51.46%	44.80%

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	3.10%	3.57%
Portfolio at risk > 90 days	2.41%	2.00%
Write-off ratio	0.73%	0.36%
Loan loss rate	0.63%	0.20%
Risk coverage	99.30%	76.09%
Non-earning liquid assets as a % of total assets	7.48%	11.99%

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	9,410,620	5,293,138
Cash and cash equivalents	704,002	721,678
Total trade and receivables	379,952	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	7,929,219	3,348,370
Gross loan portfolio	8,181,026	3,514,762
Impairment loss allowance	251,807	109,113
Unearned income and discount	—	0
Finance lease	—	0
Current tax assets	7,184	0
Deferred tax assets	78,581	0
Inventories	—	4,126
Intangible assets other than goodwill	10,625	16,574
Net fixed assets	386,823	188,490
Liabilities and equity	9,410,621	5,288,312
Total liabilities	7,470,319	3,666,852
Deposits	0	408,913
Total borrowings	7,051,624	1,396,991
Subordinated debt	750,413	0
Other short term financial liabilities	0	4,040
Trade and other payables	170,906	150,045
Provisions for employee benefits	—	20,617
Deferred revenue	49,149	4,052
Current tax liabilities	198,639	8,389
Deferred tax liabilities	3,352	0
Total equity	1,940,302	1,220,875
Paid in capital	203,521	434,291
Retained earnings total	1,207,265	141,526
Share premium	—	0
Treasury shares	—	0
Donated equity total	557,981	156,609
Equity reserves	175,056	90,962
Other equity interest	—	0

	MLF MicroInvest	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	13,098	8,009
Number of outstanding loans	13,248	8,456
Number of depositors	—	1,070
Number of deposit accounts	—	2,060

	MLF 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	3,336,931	1,255,526
Interest and fee income	3,276,097	1,187,056
Revenue from interest	3,025,305	1,056,911
Interest income from loans	3,024,363	1,006,275
Financial revenue from investments	942	13,077
Other interest income	0	1,649
Fee and commission income	250,792	95,482
Fee income from loans	171,139	58,055
Income from penalty fees	79,653	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	0	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	60,834	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	941,472	240,482
Interest and fee expense	1,004,812	261,393
Interest expense	903,956	250,036
Interest expense on borrowings	903,956	143,038
Interest expense on deposits	0	19,270
Interest expense on subordinated debt	63,341	0
Fee expense	37,516	984
Fee and commission expense on deposits	—	0
Fee and commission expense on borrowings	37,516	0
Other fee and commission expense	—	67
Other financial expense	—	0
Net impairment loss, gross loan portfolio	244,039	52,097
Impairment loss (reversal of impairment loss), gross loan portfolio	250,408	67,068
Recovery loan losses	6,369	1,857
Operating expense	1,166,020	858,343
Personnel expense	750,127	481,282
Depreciation expense	50,662	34,136
Administrative expense	365,232	337,503
Net operating income	951,876	82,657
Non operating income net	33,524	0
Net income before taxes and donations	985,400	87,247
Tax expense	295,138	3,988
Net income after taxes before donations	690,262	73,372
Donations	33,524	2,252
Net income after taxes and donations	723,786	107,069

	MLF 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	250,408	68,757
Impairment loss recognised	250,408	72,579
Reversal of impairment loss	0	0
Other movements on impairment loss allowance	0	0
Exchange differences on impairment loss	0	0
Write offs	48,891	11,444

MIX Market

MLF MicroInvest5

1. Choose data set

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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