Comparative report | MIX Market

Compare SEF-ZAF 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

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All
SEF-ZAF

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Currency	USD	USD
Total assets	12,819,418	5,409,153
Offices	9	8
Personnel	359	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
SEF-ZAF

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Capital/asset ratio	22.75%	22.28%
Debt to equity ratio	3.39	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	91.41%	78.34%

Average loan balance borrower per borrower / GNI per capita

Average deposit balance per depositor / GNI per capita

Percent of women borrowers

Legend

All
SEF-ZAF

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Currency	USD	USD
Number of active borrowers	56,165	7,997
Percent of women borrowers	98.32%	60.46%
Number of outstanding loans	60,193	8,293
Gross loan portfolio	11,718,602	3,661,739
Average loan balance per borrower	209	592
Average loan balance borrower per borrower / GNI per capita	3.65%	35.69%
Average outstanding balance	195	571
Average outstanding balance / GNI per capita	3.40%	34.39%
Number of depositors	—	641
Number of deposit accounts	—	1,728
Deposits	0	376,783
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
SEF-ZAF

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
	USD	USD
Return on assets	-8.32%	2.10%
Return on equity	-32.22%	9.72%
Operational self sufficiency	83.24%	112.26%

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
	USD	USD
Financial revenue/ assets	41.30%	25.27%
Profit margin	-20.14%	11.04%
Yield on gross portfolio (nominal)	46.43%	30.77%
Yield on gross portfolio (real)	38.03%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
SEF-ZAF

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
	USD	USD
Total expense/ assets	49.62%	23.09%
Financial expense/ assets	6.93%	5.26%
Provision for loan impairment/ assets	0.85%	1.13%
Operating expense/ assets	41.84%	14.51%
Personnel expense/ assets	25.37%	8.07%
Administrative expense/ assets	16.47%	6.41%

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
	USD	USD
Operating expense/ loan portfolio	48.10%	19.22%
Personnel expense/ loan portfolio	29.17%	10.70%
Average salary/ GNI per capita	1.71	3.69
Cost per borrower	93	137
Cost per loan	88	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
SEF-ZAF

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Borrowers per staff member	156	98
Loans per staff member	168	102
Borrowers per loan officer	228	245
Loans per loan officer	245	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	68.52%	44.80%

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
	USD	USD
Portfolio at risk > 30 days	1.11%	3.59%
Portfolio at risk > 90 days	0.58%	2.03%
Write-off ratio	1.29%	0.36%
Loan loss rate	1.23%	0.20%
Risk coverage	121.53%	75.73%
Non-earning liquid assets as a % of total assets	13.68%	11.99%

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Currency	USD	USD
Total assets	12,819,418	5,316,293
Cash and cash equivalents	1,753,631	721,678
Total trade and receivables	352,531	171,459
Financial assets at fair value	—	0
Financial assets available for sale	—	0
Other investments	—	0
Net loan portfolio	10,340,237	3,352,616
Gross loan portfolio	11,718,602	3,514,762
Impairment loss allowance	158,088	109,046
Unearned income and discount	1,220,277	0
Finance lease	—	0
Current tax assets	—	0
Deferred tax assets	—	0
Inventories	—	4,126
Intangible assets other than goodwill	—	16,574
Net fixed assets	373,020	192,881
Liabilities and equity	12,819,418	5,293,138
Total liabilities	9,902,385	3,666,852
Deposits	0	414,688
Total borrowings	8,802,695	1,381,184
Subordinated debt	—	0
Other short term financial liabilities	—	4,040
Trade and other payables	204,637	145,875
Provisions for employee benefits	629,012	20,617
Deferred revenue	266,040	4,052
Current tax liabilities	—	8,389
Deferred tax liabilities	—	0
Total equity	2,917,033	1,220,875
Paid in capital	—	434,291
Retained earnings total	651,954	142,164
Share premium	—	0
Treasury shares	—	0
Donated equity total	—	156,609
Equity reserves	2,265,079	90,962
Other equity interest	—	0

	SEF-ZAF	All
Number of MFIs	1	451
As of date	2009-06-30	2008
Number of active borrowers	56,165	8,019
Number of outstanding loans	60,193	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	SEF-ZAF	All
Number of MFIs	1	451
Start date	2008-07-01	2008
As of date	2009-06-30	2008
Currency	USD	USD
Operating income	4,900,799	1,274,256
Interest and fee income	4,890,421	1,214,159
Revenue from interest	2,807,784	1,052,533
Interest income from loans	2,709,413	998,284
Financial revenue from investments	98,371	13,077
Other interest income	—	1,649
Fee and commission income	2,082,637	99,375
Fee income from loans	2,082,637	58,055
Income from penalty fees	—	0
Fee and commission income from other financial services	—	0
Other fee and commission income	—	2
Other operating income	10,378	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	—	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	822,657	240,482
Interest and fee expense	822,657	261,158
Interest expense	822,657	249,861
Interest expense on borrowings	822,657	143,968
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	—	0
Net impairment loss, gross loan portfolio	100,754	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	106,106	68,494
Recovery loan losses	5,352	1,857
Operating expense	4,964,314	858,343
Personnel expense	3,010,095	481,547
Depreciation expense	—	34,234
Administrative expense	1,954,219	338,218
Net operating income	-986,927	82,657
Non operating income net	—	0
Net income before taxes and donations	-986,927	87,893
Tax expense	—	3,988
Net income after taxes before donations	-986,927	73,372
Donations	320,043	2,252
Net income after taxes and donations	-666,883	105,419

	SEF-ZAF	All
Number of MFIs	1	451
Start date	2008-07-01	2008
As of date	2009-06-30	2008
Currency	USD	USD
Impairment loss (reversal of impairment loss), gross loan portfolio	106,106	68,757
Impairment loss recognised	106,106	72,579
Reversal of impairment loss	0	0
Other movements on impairment loss allowance	38,065	0
Exchange differences on impairment loss	0	0
Write offs	132,796	11,480

MIX Market

SEF-ZAF5Small Enterprise Foundation (South Africa)

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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