Comparative report | MIX Market

Compare SEM Fund 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
SEM Fund

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	141,201	5,409,153
Offices	2	8
Personnel	5	78

Deposits to total assets

Capital/asset ratio

Gross loan portfolio to total assets

Legend

All
SEM Fund

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Capital/asset ratio	51.57%	22.28%
Debt to equity ratio	0.94	3.14
Deposits to loans	—	17.93%
Deposits to total assets	—	12.36%
Gross loan portfolio to total assets	82.78%	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
SEM Fund

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Number of active borrowers	1,479	7,997
Percent of women borrowers	84.99%	60.46%
Number of outstanding loans	1,479	8,293
Gross loan portfolio	116,884	3,614,788
Average loan balance per borrower	79	592
Average loan balance borrower per borrower / GNI per capita	9.52%	35.69%
Average outstanding balance	79	571
Average outstanding balance / GNI per capita	9.52%	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
SEM Fund

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Return on assets	-35.90%	2.10%
Return on equity	-69.26%	9.72%
Operational self sufficiency	24.73%	112.26%

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Financial revenue/ assets	11.80%	25.27%
Profit margin	-304.35%	11.04%
Yield on gross portfolio (nominal)	12.50%	30.77%
Yield on gross portfolio (real)	6.28%	22.69%

Borrowers per staff member

Financial revenue/ assets

Cost per borrower

Legend

All
SEM Fund

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Total expense/ assets	47.70%	23.09%
Financial expense/ assets	—	5.26%
Provision for loan impairment/ assets	1.48%	1.13%
Operating expense/ assets	46.22%	14.51%
Personnel expense/ assets	25.06%	8.07%
Administrative expense/ assets	21.16%	6.41%

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Operating expense/ loan portfolio	58.01%	19.22%
Personnel expense/ loan portfolio	31.45%	10.70%
Average salary/ GNI per capita	8.17	3.69
Cost per borrower	42	137
Cost per loan	—	134

Provision for loan impairment/ assets

Portfolio at risk > 30 days

Write-off ratio

Legend

All
SEM Fund

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Borrowers per staff member	296	98
Loans per staff member	296	102
Borrowers per loan officer	493	245
Loans per loan officer	493	252
Depositors per staff member	—	40
Deposit accounts per staff member	—	53
Personnel allocation ratio	60.00%	44.80%

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
	USD	USD
Portfolio at risk > 30 days	3.17%	3.59%
Portfolio at risk > 90 days	1.44%	2.03%
Write-off ratio	0.53%	0.36%
Loan loss rate	0.53%	0.20%
Risk coverage	62.06%	75.73%
Non-earning liquid assets as a % of total assets	14.37%	11.99%

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Currency	USD	USD
Total assets	141,201	5,316,293
Cash and cash equivalents	20,291	726,418
Total trade and receivables	0	171,459
Financial assets at fair value	0	0
Financial assets available for sale	0	0
Other investments	—	0
Net loan portfolio	114,584	3,352,616
Gross loan portfolio	116,884	3,548,055
Impairment loss allowance	2,300	111,590
Unearned income and discount	0	0
Finance lease	0	0
Current tax assets	0	0
Deferred tax assets	0	0
Inventories	0	4,126
Intangible assets other than goodwill	1,933	16,574
Net fixed assets	4,393	191,808
Liabilities and equity	141,201	5,293,138
Total liabilities	68,388	3,667,710
Deposits	0	414,688
Total borrowings	68,389	1,396,991
Subordinated debt	0	0
Other short term financial liabilities	0	4,040
Trade and other payables	0	150,045
Provisions for employee benefits	0	20,617
Deferred revenue	0	4,052
Current tax liabilities	-1	8,389
Deferred tax liabilities	0	0
Total equity	72,813	1,220,875
Paid in capital	0	432,158
Retained earnings total	0	141,526
Share premium	0	0
Treasury shares	0	0
Donated equity total	68,291	156,609
Equity reserves	4,522	90,962
Other equity interest	0	0

	SEM Fund	All
Number of MFIs	1	451
As of date	2008-12-31	2008
Number of active borrowers	1,479	8,019
Number of outstanding loans	1,479	8,456
Number of depositors	—	1,075
Number of deposit accounts	—	2,064

	SEM Fund	All
Number of MFIs	1	451
Start date	2008-01-01	2008
As of date	2008-12-31	2008
Currency	USD	USD
Operating income	15,953	1,274,256
Interest and fee income	13,470	1,212,336
Revenue from interest	13,470	1,054,993
Interest income from loans	13,470	998,284
Financial revenue from investments	0	13,077
Other interest income	0	1,649
Fee and commission income	0	96,904
Fee income from loans	0	58,055
Income from penalty fees	0	0
Fee and commission income from other financial services	0	0
Other fee and commission income	0	2
Other operating income	641	10,904
Gains (losses) on exchange differences on translation recognised in profit or loss	1,842	0
Gains (losses) on disposals of property, plant and equipment	0	0
Gains (losses) on financial assets	—	—
Gains (losses) on financial liabilities at fair value through profit or loss	0	0
Gains (losses) on held-to-maturity investments	0	0
Gains (losses) on loans and receivables	0	0
Gains (losses) on available-for-sale financial assets	0	0
Gains (losses) on financial liabilities at amortised cost	0	0
Gains (losses) on net monetary position	0	0
Financial expense	0	240,482
Interest and fee expense	0	261,393
Interest expense	0	250,036
Interest expense on borrowings	0	143,038
Interest expense on deposits	0	19,270
Interest expense on subordinated debt	0	0
Fee expense	0	984
Fee and commission expense on deposits	0	0
Fee and commission expense on borrowings	0	0
Other fee and commission expense	0	67
Other financial expense	0	0
Net impairment loss, gross loan portfolio	2,000	52,272
Impairment loss (reversal of impairment loss), gross loan portfolio	2,000	67,799
Recovery loan losses	0	1,857
Operating expense	62,506	859,507
Personnel expense	33,889	481,282
Depreciation expense	1,251	34,214
Administrative expense	27,366	338,218
Net operating income	-48,553	82,728
Non operating income net	0	0
Net income before taxes and donations	-48,553	87,247
Tax expense	0	3,988
Net income after taxes before donations	-48,553	73,372
Donations	53,968	2,252
Net income after taxes and donations	5,415	107,069

	SEM Fund	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	2,000	68,757
Impairment loss recognised	—	72,579
Reversal of impairment loss	—	0
Other movements on impairment loss allowance	—	0
Exchange differences on impairment loss	—	0
Write offs	571	11,480

MIX Market

SEM Fund3Sénégal Ecovillage Microfinance

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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