Microloan Organization 'HUMO and Partners'

MLO HUMO5

Microloan Organization 'HUMO and Partners'

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Institutional Characteristics

Institutional Characteristics
MFI name	MLO HUMO	MLO HUMO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	5
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-03-31	2011-12-31
Assets	—	11,206,403
OfficesOffices Number, including head office	—	14
+ PersonnelPersonnel Total number of staff members	—	342
+ Gender
Female	—	99

Financing Structure

Financing Structure
MFI name	MLO HUMO	MLO HUMO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	5
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	—	23.28%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—	3.30
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	—	0.00%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	—	0.00%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	—	88.54%

Outreach Indicators

Outreach Indicators
MFI name	MLO HUMO	MLO HUMO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	5
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	12,478	14,646
+ Relationship
External customers	—	14,498
Management and staff	—	148
+ Gender
Male	—	8,641
Female	—	6,005
Legal entity	—	0
+ Location
Urban	—	2,121
Rural	—	12,525
Percent of female borrowers	—	41.00%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	—	16,204
+ Delinquency
Less than one month	—	15,935
+ One month or more	—	—
From one to three months	—	85
+ More than three months	—	—
From three to six months	—	28
+ More than six months	—	—
From six to twelve months	—	29
One year or more	—	121
Renegotiated loans	—	6
+ Location
Urban	—	2,369
Rural	—	13,835
+ Products (credit)
Loans to corporations	—	0
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	16,204
+ Household financing	—	1,650
Consumption	—	1,650
Education	—	0
Mortgage housing	—	0
Household other	—	0
Microenterprise	—	14,554
+ Relationship
External customers	—	16,049
Management and staff	—	155
+ Methodology
Individual	—	4,909
Solidarity group	—	11,295
Village banking s h g	—	0
+ Gender
Male	—	9,349
Female	—	6,855
Legal entity	—	0
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	7,915,344	9,921,862
+ Delinquency
Less than one month	—	9,817,358
+ One month or more	—	96,756
From one to three months	141,723	46,012
+ More than three months	—	50,744
From three to six months	—	23,504
+ More than six months	—	27,240
From six to twelve months	—	10,716
One year or more	—	16,524
Renegotiated loans	—	7,748
+ Location
Urban	—	1,856,252
Rural	—	8,065,610
+ Products (credit)
Loans to corporations	—	0
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	9,921,862
+ Household financing	—	822,468
Consumption	—	822,468
Education	—	0
Mortgage housing	—	0
Household other	—	0
Microenterprise	—	9,099,394
+ Relationship
External customers	—	9,816,590
Management and staff	—	105,272
+ Methodology
Individual	—	6,032,155
Solidarity group	—	3,889,707
Village banking s h g	—	0
+ Gender
Male	—	6,645,975
Female	—	3,275,887
Legal entity	—	0
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	634	677
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	81.62%	—
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	—	612
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	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
+ DepositsDeposits Total value of all deposit accounts	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	—	—
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	—	—
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	MLO HUMO	MLO HUMO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	5
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	—	7.32%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—	28.09%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	131.38%

Revenues

Revenues
MFI name	MLO HUMO	MLO HUMO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	5
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	—	41.17%
Profit marginProfit margin Net Operating Income / Financial Revenue	—	23.88%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	44.27%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	MLO HUMO	MLO HUMO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	5
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	—	31.34%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	9.28%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—	0.49%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	21.57%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	14.54%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	7.03%

Efficiency

Efficiency
MFI name	MLO HUMO	MLO HUMO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	5
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	—	24.77%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	16.70%
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	—	160
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—	147

Productivity

Productivity
MFI name	MLO HUMO	MLO HUMO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	5
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	—	43
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	47
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	102	81
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	—	90
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	—	0
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—	0
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	—	52.92%

Risk And Liquidity

Risk And Liquidity
MFI name	MLO HUMO	MLO HUMO
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	5
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	1.79%	1.05%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	—	0.59%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—	1.31%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	1.31%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—	74.35%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	6.73%

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MLO HUMO5

Microloan Organization 'HUMO and Partners'

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