UGAFODE3

UGAFODE Microfinance Limited (MDI)

Select i

Report Periodi

Report Typei

Report Type

Compare to Benchmarksi

Please use this button to enable the changes you've made to your report settings.
Institutional Characteristics
Institutional Characteristics
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

3 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Assets 10,726,309
OfficesOffices

Number, including head office

12 12
+ PersonnelPersonnel

Total number of staff members

146 149
59
Financing Structure
Financing Structure
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

3 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

20.93%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

3.78
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

29.65% 46.11%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

29.78%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

64.58%
Outreach Indicators
Outreach Indicators
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

3 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
As of date 2012-12-31 2013-12-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

8,578 10,126
8,522
56
5,876
2,695
7
1,649
6,929
Percent of female borrowers 31.42%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

8,662 10,281
7,939
362
196
165
0
0
1,733
6,929
8,612
50
6,134
2,528
0
5,960
2,695
7
0
0
206
8,456
0
1,213
68
169
552
424
7,243
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

4,697,979 6,927,327
4,348,138
349,841
0
4,530,078 6,662,622
6,110,663
551,958
167,901 264,706
92,995 131,765
74,906 132,941
38,033 55,745
36,873 77,196
36,873
0
0 0
1,080,535
3,617,444
4,577,490
120,489
3,643,573
1,023,307
31,099
0
0
930,275
3,767,704
0
1,093,333
52,630
95,724
542,996
401,983
2,674,371
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

548 684
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

120.97% 151.10%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

542 674
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

119.79% 148.82%
Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

18,450 60,900
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

18,450 60,900
79
0
0
18,371
2,967
+ DepositsDeposits

Total value of all deposit accounts

1,393,127 3,194,080
32,197
0
0
1,360,930
68,039
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

76 52
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

17.00% 12.00%
Overall Financial Performance
Overall Financial Performance
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

3 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
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)

103.92%
Revenues
Revenues
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

3 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

Profit marginProfit margin

Net Operating Income / Financial Revenue

3.77%
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 UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

3 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
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 UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

3 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
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 UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

3 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

59 68
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

59 69
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

199 184
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

201 187
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

126 409
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

126 409
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

29.45% 36.91%
Risk And Liquidity
Risk And Liquidity
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

3 -
Currency USD USD
Fiscal year 2012 2013
Period type ANN QTR
As of date 2012-12-31 2013-12-31
As of date 2012-12-31 2013-12-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

3.57% 3.82%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio

1.59% 1.92%
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

93.15%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

14.81%