MIX Microfinance Information eXchange

MIX Market

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SEM Fund3Sénégal Ecovillage Microfinance

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

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
Total assets 464 2,597 35,002 129,292 141,201
Offices — — — — 2
Personnel 0 0 2 5 5

Financing Structure

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Capital/asset ratio 100.00% 100.00% 13.79% 52.13% 51.57%
Debt to equity ratio 0.00 0.00 6.25 0.92 0.94
Deposits to loans — — — — 0.00%
Deposits to total assets — — — — 0.00%
Gross loan portfolio to total assets 100.00% 90.01% 87.28% 76.28% 82.78%

Outreach

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Currency USD USD USD USD USD
+ Number of active borrowers 15 53 568 1,533 1,479
— — — — — 1,479
— — — — — 222
— 3 40 455 1,287 1,257
— — — — — 0
— — — — — 148
— — — — — 1,331
Percent of women borrowers 20.00% 75.47% 80.11% 83.95% 84.99%
+ Number of outstanding loans — — — — 1,479
— — — — — 15
— — — — — 135
— — — — — 150
— — — — — —
— — — — — 2
— — — — — —
— — — — — 2
— — — — — —
— — — — — 0
— — — — — 0
— — — — — 0
— — — — — 1,479
— — — — — 222
— — — — — 1,257
— — — — — 0
+ Gross loan portfolio 464 2,337 30,549 98,630 116,884
— — — — — 5,337,788
— — — — — 48,040,096
— — — — — 113,278
— 0 0 0 0 —
— — — — — 2,022
— — — — — —
— — — — — 1,684
— — — — — —
— — — — — 0
— — — — — 0
— — — — — 0
— — — — — 53,377,884
— — — — — 8,006,683
— — — — — 45,371,201
— — — — — 0
Average loan balance per borrower 31 44 54 64 79
Average loan balance borrower per borrower / GNI per capita 4.84% 5.96% 6.98% 7.75% 9.52%
Average outstanding balance — — — — 79
Average outstanding balance / GNI per capita — — — — 9.52%
+ Number of depositors 0 0 0 0 0
— — — — — 0
— — — — — 0
— — — — — 0
+ Number of deposit accounts — — — — 0
— — — — — 0
— — — — — 0
— — — — — 0
+ Deposits — — — — 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

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Return on assets — -16.57% -12.60% -49.29% -35.90%
Return on equity — -16.57% -63.82% -112.11% -69.26%
Operational self sufficiency — 7.75% 12.83% 11.70% 24.73%

Revenues

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Financial revenue/ assets — 1.39% 1.81% 6.53% 11.80%
Profit margin — -1,189.59% -679.59% -754.47% -304.35%
Yield on gross portfolio (nominal) — — — — 12.50%
Yield on gross portfolio (real) — — — — 6.28%

Expenses

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Total expense/ assets — 17.96% 14.11% 55.76% 47.70%
Financial expense/ assets — 0.00% 0.00% 0.00% 0.00%
Provision for loan impairment/ assets — 0.00% 0.00% 0.00% 1.48%
Operating expense/ assets — 17.96% 14.11% 55.76% 46.22%
Personnel expense/ assets — — — — 25.06%
Administrative expense/ assets — — — — 21.16%

Efficiency

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Operating expense/ loan portfolio — 19.63% 16.13% 70.92% 58.01%
Personnel expense/ loan portfolio — — — — 31.45%
Average salary/ GNI per capita — — — — 8.17
Cost per borrower — 8 9 44 42
Cost per loan — — — — —

Productivity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Borrowers per staff member — — 284 307 296
Loans per staff member — — — — 296
Borrowers per loan officer — — — — 493
Loans per loan officer — — — — 493
Depositors per staff member — — 0 0 0
Deposit accounts per staff member — — — — 0
Personnel allocation ratio — — — — 60.00%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Portfolio at risk > 30 days 0.00% 0.00% 0.00% 0.00% 3.17%
Portfolio at risk > 90 days — — — — 1.44%
Write-off ratio — 0.00% 0.00% 0.71% 0.53%
Loan loss rate — 0.00% 0.00% 0.71% 0.53%
Risk coverage — — — — 62.06%
Non-earning liquid assets as a % of total assets — — — — 14.37%