MIX Microfinance Information eXchange

MIX Market

Download DataCreate ReportRequest a changeAdd logoSubmit a File

MLO HUMO5Microloan Organization 'HUMO and Partners'

Indicators
Currency
Years
  • Total assets
  • Gross loan portfolio
  • Total equity

Institutional Characteristics

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD
Total assets 533,716 1,306,883 2,602,042 5,622,002
Offices 1 6 3 4
Personnel 20 35 59 122

Financing Structure

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Capital/asset ratio 12.91% 73.45% 41.96% 28.01%
Debt to equity ratio 6.75 0.36 1.38 2.57
Deposits to loans 0.00% 0.00% 0.00% 0.00%
Deposits to total assets 0.00% 0.00% 0.00% 0.00%
Gross loan portfolio to total assets 91.06% 72.28% 95.50% 96.64%

Outreach

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD
+ Number of active borrowers 2,659 2,292 4,302 7,886
— — — — 4,338
— 1,423 1,133 1,983 3,548
— — — — 7,886
— — — — 119
— — — — 119
— — — — 7,767
— — — — 897
— — — — 6,989
— — — — 7,858
— — — — 28
— — — — 644
— — — — 7,242
Percent of women borrowers 53.52% 49.43% 46.09% 44.99%
+ Number of outstanding loans 2,659 2,715 5,307 9,688
— — — — 954
— — — — 8,734
— 2,642 2,715 0 9,404
— — — — —
— 13 0 0 153
— — — — —
— 4 0 0 80
— — — — —
— 0 0 0 33
— 0 0 0 —
— 0 0 0 18
— — — — 9,688
— — — — 132
— — — — 132
— — — — 9,556
— — — — 9,653
— — — — 35
— — — — 989
— — — — 8,699
— — — — 5,173
— — — — 4,515
+ Gross loan portfolio 486,018 944,560 2,485,034 5,432,923
— — — — 1,352,329
— — — — 4,080,594
— 483,785 929,913 2,447,135 5,315,823
— 2,232 14,646 37,899 —
— 2,165 1,941 27,124 62,601
— — — — —
— 68 10,173 5,062 29,499
— — — — —
— 0 0 2,973 14,706
— 0 0 0 0
— 0 2,532 2,740 10,294
— — — — 5,432,923
— — — — 108,971
— — — — 108,971
— — — — 5,323,951
— — — — 5,423,110
— — — — 9,813
— — — — 756,233
— — — — 4,676,690
— — — — 3,092,230
— — — — 2,340,692
Average loan balance per borrower 183 412 578 689
Average loan balance borrower per borrower / GNI per capita 55.39% 105.67% 125.58% 149.77%
Average outstanding balance 183 348 468 561
Average outstanding balance / GNI per capita 55.39% 89.21% 101.79% 121.91%
+ Number of depositors — 0 0 0
— — — — 0
— — — — 0
— — — — 0
+ Number of deposit accounts — 0 0 0
— — — — 0
— — — — 0
— — — — 0
+ Deposits 0 0 0 0
— 0 0 0 0
— 0 0 0 0
— 0 0 0 —
— 0 0 0 —
— 0 0 0 0
Average deposit balance per depositor — — — —
Average deposit balance per depositor / GNI per capita — — — —
Average deposit account balance — — — —
Average deposit account balance / GNI per capita — — — —

Overall Financial Performance

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD
Return on assets — 15.04% 10.33% 10.39%
Return on equity — 26.90% 19.69% 32.04%
Operational self sufficiency 70.20% 166.06% 161.23% 148.19%

Revenues

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD
Financial revenue/ assets — 46.25% 39.68% 43.62%
Profit margin -42.44% 39.78% 37.97% 32.52%
Yield on gross portfolio (nominal) — 58.39% 43.23% 45.42%
Yield on gross portfolio (real) — 44.03% 26.56% 28.50%

Expenses

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD
Total expense/ assets — 27.85% 24.61% 29.43%
Financial expense/ assets — 5.73% 5.83% 8.99%
Provision for loan impairment/ assets — 0.17% 0.80% 2.30%
Operating expense/ assets — 21.95% 17.98% 18.14%
Personnel expense/ assets — 13.50% 10.63% 12.67%
Administrative expense/ assets — 8.45% 7.35% 5.47%

Efficiency

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD
Operating expense/ loan portfolio — 28.24% 20.50% 18.85%
Personnel expense/ loan portfolio — 17.37% 12.11% 13.16%
Average salary/ GNI per capita — 11.59 9.61 12.52
Cost per borrower — 82 107 122
Cost per loan — 75 88 100

Productivity

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Borrowers per staff member 133 65 73 65
Loans per staff member 133 78 90 79
Borrowers per loan officer 332 121 123 131
Loans per loan officer 332 143 152 161
Depositors per staff member — 0 0 0
Deposit accounts per staff member — 0 0 0
Personnel allocation ratio 40.00% 54.29% 59.32% 49.18%

Risk and Liquidity

2005 2006 2007 2008
As of date 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD
Portfolio at risk > 30 days 0.46% 1.55% 1.53% 2.16%
Portfolio at risk > 90 days 0.01% 1.35% 0.43% 1.00%
Write-off ratio — 1.09% 0.21% 0.23%
Loan loss rate — 1.09% 0.21% 0.23%
Risk coverage 974.84% 109.79% 70.42% 95.30%
Non-earning liquid assets as a % of total assets 8.25% 24.51% 2.34% 0.73%