UNRWA Microfinance and Microenterprise Department

UNRWA4

UNRWA Microfinance and Microenterprise Department

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Institutional Characteristics

Institutional Characteristics
MFI name	UNRWA	UNRWA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Assets	—	19,635,200
OfficesOffices Number, including head office	—	11
+ PersonnelPersonnel Total number of staff members	—	206
+ Gender
Female	—	62

Financing Structure

Financing Structure
MFI name	UNRWA	UNRWA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	—	99.13%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—	0.01
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	—	0.00%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	—	0.00%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	—	75.08%

Outreach Indicators

Outreach Indicators
MFI name	UNRWA	UNRWA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
As of date	2011-09-30	2011-12-31
Currency	USD	USD
+ Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	12,880	13,222
+ Relationship
External customers	—	13,200
Management and staff	—	22
+ Gender
Male	—	9,142
Female	3,735	4,080
Legal entity	—	0
+ Location
Urban	—	11,963
Rural	—	1,259
Percent of female borrowers	29.00%	30.86%
+ Number of loans outstandingNumber of loans outstanding Number of loans outstanding	—	13,222
+ Delinquency
Less than one month	—	11,455
+ One month or more	—	—
From one to three months	—	932
+ More than three months	—	—
From three to six months	—	448
+ More than six months	—	—
From six to twelve months	—	387
One year or more	—	0
Renegotiated loans	—	0
+ Location
Urban	—	11,963
Rural	—	1,259
+ Products (credit)
Loans to corporations	—	0
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	13,222
+ Household financing	—	4,890
Consumption	—	4,118
Education	—	0
Mortgage housing	—	772
Household other	—	0
Microenterprise	—	8,332
+ Relationship
External customers	—	13,200
Management and staff	—	22
+ Methodology
Individual	—	12,600
Solidarity group	—	622
Village banking s h g	—	0
+ Gender
Male	—	9,142
Female	—	4,080
Legal entity	—	0
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	15,229,884	14,742,054
+ Delinquency
Less than one month	—	13,662,490
+ One month or more	1,066,092	1,079,564
From one to three months	—	633,254
+ More than three months	—	446,310
From three to six months	—	239,897
+ More than six months	—	206,413
From six to twelve months	—	206,413
One year or more	—	0
Renegotiated loans	—	0
+ Location
Urban	—	13,797,505
Rural	—	944,549
+ Products (credit)
Loans to corporations	—	0
Loans to financial institutions	—	0
Loans to governments	—	0
+ Retail loans	—	14,742,054
+ Household financing	—	6,761,593
Consumption	—	3,128,518
Education	—	0
Mortgage housing	—	3,633,075
Household other	—	0
Microenterprise	—	7,980,461
+ Relationship
External customers	—	14,715,618
Management and staff	—	26,436
+ Methodology
Individual	—	14,397,908
Solidarity group	—	344,146
Village banking s h g	—	0
+ Gender
Male	—	11,744,424
Female	—	2,997,630
Legal entity	—	0
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	1,182	1,115
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	—	—
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	—	1,115
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	—	—
+ Number of depositorsNumber of depositors Number of depositors with any type of deposit account	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
+ Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
+ DepositsDeposits Total value of all deposit accounts	—	0
+ Products (deposits)
Deposits from corporations	—	0
Deposits from financial institutions	—	0
Deposits from governments	—	0
+ Retail deposits	—	0
+ Voluntary deposits	—	0
Demand deposits	—	0
Time deposits	—	0
Compulsory deposits	—	0
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	UNRWA	UNRWA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	—	8.27%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	—	8.57%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	145.37%

Revenues

Revenues
MFI name	UNRWA	UNRWA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—	26.49%
Profit marginProfit margin Net Operating Income / Financial Revenue	—	31.21%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal) Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio	—	34.97%
Yield on gross portfolio (real)Yield on gross portfolio (real) (Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)	—	—

Expenses

Expenses
MFI name	UNRWA	UNRWA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Total expense/ assetsTotal expense/ assets (Financial Expense + Net Impairment Loss + Operating Expense) / Average Total Assets	—	18.22%
Financial expense/ assetsFinancial expense/ assets Financial Expense / Average Total Assets	—	0.00%
Provision for loan impairment/ assetsProvision for loan impairment/ assets Impairment Losses on Loans / Average Total Assets	—	-0.45%
Operating expense/ assetsOperating expense/ assets Operating Expense / Average Total Assets	—	18.67%
Personnel expense/ assetsPersonnel expense/ assets Personnel Expense / Average Total Assets	—	13.61%
Administrative expense/ assetsAdministrative expense/ assets Administrative Expense / Average Total Assets	—	5.06%

Efficiency

Efficiency
MFI name	UNRWA	UNRWA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio Operating Expense / Average Gross Loan Portfolio	—	25.67%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio Personnel Expense / Average Gross Loan Portfolio	—	18.71%
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	—	304
Cost per loanCost per loan Operating Expense / Average Number of Loans Outstanding	—	305

Productivity

Productivity
MFI name	UNRWA	UNRWA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	—	64
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	—	64
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	—	174
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	—	174
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	—	0
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	—	0
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	—	36.89%

Risk And Liquidity

Risk And Liquidity
MFI name	UNRWA	UNRWA
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	3
Currency	USD	USD
Fiscal year	2011	2011
Period type	QTR	ANN
As of date	2011-09-30	2011-12-31
As of date	2011-09-30	2011-12-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	—	7.32%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	—	3.03%
Write-off ratioWrite-off ratio Value of loans written-off / Average Gross Loan Portfolio	—	2.02%
Loan loss rateLoan loss rate (Write-offs - Value of Loans Recovered) / Average Gross Loan Portfolio	—	-0.64%
Risk coverageRisk coverage Impairment Loss Allowance / PAR > 30 Days	—	62.64%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	23.46%

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UNRWA4

UNRWA Microfinance and Microenterprise Department

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