Salone Microfinance Trust

SMT1

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Institutional Characteristics

Institutional Characteristics
MFI name	SMT	SMT
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	1
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-03-31	2011-03-31
Assets	1,442,982	1,442,982
OfficesOffices Number, including head office	6	6
PersonnelPersonnel Total number of staff members	56	56

Financing Structure

Financing Structure
MFI name	SMT	SMT
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	1
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-03-31	2011-03-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	48.28%	48.28%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	1.07	1.07
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	9.16%	9.16%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	6.84%	6.84%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	74.62%	74.62%

Outreach Indicators

Outreach Indicators
MFI name	SMT	SMT
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	1
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-03-31	2011-03-31
As of date	2011-03-31	2011-03-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	7,877	7,877
+ Relationship
External customers	7,877	—
Management and staff	0	—
+ Gender
Male	3,308	—
Female	4,569	—
Legal entity	0	—
+ Location
Urban	7,877	—
Rural	0	—
Percent of female borrowers	58.00%	58.00%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	7,877	7,877
+ Delinquency
Less than one month	6,905	—
+ One month or more	—	—
From one to three months	139	—
+ More than three months	—	—
From three to six months	47	—
+ More than six months	—	—
From six to twelve months	786	—
One year or more	0	—
Renegotiated loans	0	—
+ Location
Urban	7,877	—
Rural	0	—
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	7,877	—
+ Household financing	3,136	—
Consumption	3,136	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	4,741	—
+ Relationship
External customers	7,877	—
Management and staff	0	—
+ Methodology
Individual	265	—
Solidarity group	7,612	—
Village banking s h g	0	—
+ Gender
Male	3,308	—
Female	4,569	—
Legal entity	0	—
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	1,076,691	1,076,691
+ Products (credit)
Loans to corporations	0	—
Loans to financial institutions	0	—
Loans to governments	0	—
+ Retail loans	1,076,691	—
+ Household financing	433,309	—
Consumption	433,309	—
Education	0	—
Mortgage housing	0	—
Household other	0	—
Microenterprise	643,382	—
+ Delinquency
Less than one month	1,017,013	—
+ One month or more	—	—
From one to three months	10,852	—
+ More than three months	—	—
From three to six months	5,499	—
+ More than six months	—	—
From six to twelve months	43,327	—
One year or more	0	—
Renegotiated loans	0	—
+ Methodology
Individual	240,428	—
Solidarity group	836,263	—
Village banking s h g	0	—
+ Relationship
External customers	1,076,691	—
Management and staff	0	—
+ Gender
Male	552,485	—
Female	524,206	—
Legal entity	0	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	137	137
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	40.19%	40.19%
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	137	137
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	40.19%	40.19%
Number of depositorsNumber of depositors Number of depositors with any type of deposit account	—	—
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	—
DepositsDeposits Total value of all deposit accounts	98,672	98,672
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	SMT	SMT
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	1
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-03-31	2011-03-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—	—
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—	—
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	119.82%	119.82%

Revenues

Revenues
MFI name	SMT	SMT
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	1
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-03-31	2011-03-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—	—
Profit marginProfit margin Net Operating Income / Financial Revenue	16.54%	16.54%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	—
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	SMT	SMT
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	1
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-03-31	2011-03-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—	—
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	—
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—	—
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	—
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	—
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	—

Efficiency

Efficiency
MFI name	SMT	SMT
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	1
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-03-31	2011-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—	—
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	—
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	—	—
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—	—

Productivity

Productivity
MFI name	SMT	SMT
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	1
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-03-31	2011-03-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	141	141
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	141	141
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	438	438
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	438	438
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	—	—
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—	—
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	32.14%	32.14%

Risk And Liquidity

Risk And Liquidity
MFI name	SMT	SMT
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	1	1
Currency	USD	USD
Fiscal year	2011	2011
Period type	ANN	ANN
As of date	2011-03-31	2011-03-31
As of date	2011-03-31	2011-03-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	5.54%	5.54%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	4.53%	4.53%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—	—
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	—
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	86.10%	86.10%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	23.48%	23.48%

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