- Total assets
- Gross loan portfolio
- Total equity
Institutional Characteristics
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-12-31 | 2006-12-31 | 2007-12-31 | |
| Currency | USD | USD | USD | |
| Total assets |
 |
400,657 | 517,905 | 784,125 |
| Offices |
 |
— | — | — |
| Personnel |
 |
21 | 27 | 36 |
Financing Structure
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-12-31 | 2006-12-31 | 2007-12-31 | |
| Capital/asset ratio |
 |
100.00% | 100.00% | 74.83% |
| Debt to equity ratio |
 |
0.00 | 0.00 | 0.34 |
| Deposits to loans |
|
— | — | — |
| Deposits to total assets |
|
— | — | — |
| Gross loan portfolio to total assets |
 |
86.45% | 73.69% | 80.60% |
Outreach
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-12-31 | 2006-12-31 | 2007-12-31 | |
| Currency | USD | USD | USD | |
| + Number of active borrowers |
 |
3,232 | 4,287 | 4,943 |
| — | 2,262 | 3,044 | 3,164 | |
| Percent of women borrowers |
 |
69.99% | 71.01% | 64.01% |
| Number of outstanding loans |
|
— | — | — |
| + Gross loan portfolio |
 |
346,349 | 381,645 | 632,029 |
| — | 32,903 | 30,899 | 46,138 | |
| Average loan balance per borrower |
 |
107 | 89 | 128 |
| Average loan balance borrower per borrower / GNI per capita |
 |
51.03% | 38.71% | 49.18% |
| Average outstanding balance |
|
— | — | — |
| Average outstanding balance / GNI per capita |
|
— | — | — |
| Number of depositors |
|
0 | 0 | 0 |
| Number of deposit accounts |
|
— | — | — |
| + Deposits |
|
— | — | — |
| — | — | — | — | |
| — | 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 | ||
|---|---|---|---|---|
| As of date | 2005-12-31 | 2006-12-31 | 2007-12-31 | |
| USD | USD | USD | ||
| Return on assets |
 |
— | -6.34% | -8.77% |
| Return on equity |
 |
— | -6.34% | -10.34% |
| Operational self sufficiency |
 |
68.08% | 85.89% | 81.88% |
Revenues
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-12-31 | 2006-12-31 | 2007-12-31 | |
| USD | USD | USD | ||
| Financial revenue/ assets |
 |
— | 38.58% | 39.64% |
| Profit margin |
 |
-46.88% | -16.42% | -22.13% |
| Yield on gross portfolio (nominal) |
|
— | — | — |
| Yield on gross portfolio (real) |
|
— | — | — |
Expenses
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-12-31 | 2006-12-31 | 2007-12-31 | |
| USD | USD | USD | ||
| Total expense/ assets |
 |
— | 44.92% | 48.41% |
| Financial expense/ assets |
|
— | 0.00% | 0.00% |
| Provision for loan impairment/ assets |
 |
— | 0.00% | 7.06% |
| Operating expense/ assets |
 |
— | 44.92% | 41.36% |
| Personnel expense/ assets |
|
— | — | — |
| Administrative expense/ assets |
|
— | — | — |
Efficiency
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-12-31 | 2006-12-31 | 2007-12-31 | |
| USD | USD | USD | ||
| Operating expense/ loan portfolio |
 |
— | 56.67% | 53.12% |
| Personnel expense/ loan portfolio |
|
— | — | — |
| Average salary/ GNI per capita |
|
— | — | — |
| Cost per borrower |
 |
— | 55 | 58 |
| Cost per loan |
|
— | — | — |
Productivity
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-12-31 | 2006-12-31 | 2007-12-31 | |
| Borrowers per staff member |
 |
154 | 159 | 137 |
| Loans per staff member |
|
— | — | — |
| Borrowers per loan officer |
|
— | — | — |
| Loans per loan officer |
|
— | — | — |
| Depositors per staff member |
|
0 | 0 | 0 |
| Deposit accounts per staff member |
|
— | — | — |
| Personnel allocation ratio |
|
— | — | — |
Risk and Liquidity
| 2005 | 2006 | 2007 | ||
|---|---|---|---|---|
| As of date | 2005-12-31 | 2006-12-31 | 2007-12-31 | |
| USD | USD | USD | ||
| Portfolio at risk > 30 days |
 |
9.50% | 8.10% | 7.30% |
| Portfolio at risk > 90 days |
|
— | — | — |
| Write-off ratio |
 |
— | 15.56% | 3.64% |
| Loan loss rate |
|
— | 15.56% | 3.64% |
| Risk coverage |
 |
0.00% | 80.26% | 59.36% |
| Non-earning liquid assets as a % of total assets |
|
— | — | — |