UGAFODE3

UGAFODE Microfinance Limited (MDI)

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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 2014
Period type ANN QTR
As of date 2012-12-31 2014-03-31
Assets 10,065,514
OfficesOffices

Number, including head office

12 12
+ PersonnelPersonnel

Total number of staff members

146 158
59
Financing Structure
Financing Structure
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2014
Period type ANN QTR
As of date 2012-12-31 2014-03-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

22.35%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

3.48
Deposits to loansDeposits to loans

Deposits / Gross Loan Portfolio

29.65% 35.06%
Deposits to total assetsDeposits to total assets

Deposits / Total Assets

24.19%
Gross loan portfolio to total assetsGross loan portfolio to total assets

Gross Loan Portfolio / Total Assets

68.99%
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 2014
Period type ANN QTR
As of date 2012-12-31 2014-03-31
As of date 2012-12-31 2014-03-31
Currency USD USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

8,578 10,000
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 10,196
7,939
362
196
165
0
0
6,134
2,528
0
1,733
6,929
8,612
50
5,960
2,695
7
0
0
206
8,456
0 262
1,213
68 1,476
169
552
424
7,243
8,458
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

4,697,979 6,943,887
4,530,078 6,633,274
6,137,923
495,352
167,901 310,613
92,995 174,469
74,906 136,144
38,033 77,723
36,873 58,421
36,873
0
0 0
1,080,535
3,617,444
4,577,490
120,489
4,348,138
349,841
0
3,643,573
1,023,307
31,099
0
0 0
930,275
3,767,704
0 1,254,741
1,093,333
52,630 1,518,519
95,724
542,996
401,983
2,674,371
4,094,041
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

548 694
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%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

542 681
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

119.79%
Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

18,450 62,796
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

18,450 62,796
79
0
0
18,371
2,967
+ DepositsDeposits

Total value of all deposit accounts

1,393,127 2,434,631
32,197
0
0
1,360,930
68,039
Average deposit balance per depositorAverage deposit balance per depositor

Deposits / Number of Depositors

76 39
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%
Overall Financial Performance
Overall Financial Performance
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

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3 -
Currency USD USD
Fiscal year 2012 2014
Period type ANN QTR
As of date 2012-12-31 2014-03-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

4.68%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

21.64%
Operational self sufficiencyOperational self sufficiency

Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)

115.58%
Revenues
Revenues
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2014
Period type ANN QTR
As of date 2012-12-31 2014-03-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

36.55%
Profit marginProfit margin

Net Operating Income / Financial Revenue

13.48%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

48.50%
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

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3 -
Currency USD USD
Fiscal year 2012 2014
Period type ANN QTR
As of date 2012-12-31 2014-03-31
Total expense/ assetsTotal expense/ assets

(Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets

31.62%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

9.24%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

2.25%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

20.13%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

9.85%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

10.28%
Efficiency
Efficiency
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2014
Period type ANN QTR
As of date 2012-12-31 2014-03-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

30.18%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

14.77%
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

208
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

204
Productivity
Productivity
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2014
Period type ANN QTR
As of date 2012-12-31 2014-03-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

59 63
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

59 65
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

199 208
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

201 212
Depositors per staff memberDepositors per staff member

Number of Depositors / Number of Personnel

126 397
Deposit accounts per staff memberDeposit accounts per staff member

Number of Deposit Accounts / Number of Personnel

126 397
Personnel allocation ratioPersonnel allocation ratio

Number of Loan Officers / Number of Personnel

29.45% 30.38%
Risk And Liquidity
Risk And Liquidity
MFI name UGAFODE UGAFODE
Annual DiamondsAnnual Diamonds

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Currency USD USD
Fiscal year 2012 2014
Period type ANN QTR
As of date 2012-12-31 2014-03-31
As of date 2012-12-31 2014-03-31
Currency USD USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

3.57% 4.47%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

1.59% 1.96%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

2.93%
Loan loss rateLoan loss rate

(Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio

2.34%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

84.26%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

19.48%