MIX Microfinance Information eXchange

MIX Market

Download DataCreate ReportRequest a changeAdd logoSubmit a File

WAGES5Women and Associations for Gain both Economic and Social

Indicators
Currency
Years
  • Activos totales
  • Cartera bruta
  • Patrimonio total

Institutional Characteristics

2004 2005 2006 2007 2008
A la fecha 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Moneda USD USD USD USD USD
Activos totales 4,662,899 4,972,403 7,671,209 13,360,540 18,177,780
Oficinas 3 4 4 7 9
Personal 75 78 90 103 221

Financing Structure

2004 2005 2006 2007 2008
A la fecha 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Ratio capital/activo 17.44% 12.52% 14.57% 12.91% 13.69%
Ratio deuda capital 4.73 6.99 5.86 6.75 6.31
Depósitos/cartera bruta 70.30% 67.01% 63.27% 66.32% 64.09%
Depósitos/activo total 57.20% 54.56% 50.60% 53.86% 51.55%
Cartera bruta/ total de activos 81.37% 81.43% 79.98% 81.21% 80.42%

Outreach

2004 2005 2006 2007 2008
A la fecha 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Moneda USD USD USD USD USD
+ Número de prestatarios activos 4,323 6,265 8,825 12,170 14,431
— — — — — 2,886
— 3,458 5,012 7,237 9,734 11,545
— — — — — 14,431
— — — — — 29
— — — — — 29
— — — — — 14,402
— — — — — 14,402
— — — — — 29
— — — — — 8,107
— — — — — 6,324
— — — — — 9,898
— — — — — 4,533
Porcentaje de prestatarias mujeres 79.99% 80.00% 82.01% 79.98% 80.00%
+ Número de créditos vigentes — 6,265 8,825 12,170 14,431
— — — — — 9,898
— — — — — 4,533
— 170 6,260 0 0 —
— — — — — —
— 73 0 0 0 —
— — — — — —
— 104 0 0 0 —
— — — — — —
— 27 0 0 0 —
— 31 5 0 0 —
— 0 0 0 0 —
— — — — — 8,107
— — — — — 6,324
— — — — — 14,431
— — — — — 29
— — — — — 29
— — — — — 14,402
— — — — — 14,402
— — — — — 29
+ Cartera bruta 3,794,143 4,048,791 6,135,461 10,850,617 14,619,389
— — — — — 12,600,480
— — — — — 2,018,908
— 3,214,045 3,447,141 — — 3,019,567
— 580,098 601,650 440,144 625,553 —
— 499,863 332,001 221,701 248,431 467,686
— — — — — —
— 42,093 66,805 101,285 377,121 222,423
— — — — — —
— 4,230 99,195 117,158 0 168,121
— 33,912 48,990 0 0 0
— 0 54,659 0 0 0
— — — — — 13,599,744
— — — — — 1,019,645
— — — — — 14,619,389
— — — — — 161,984
— — — — — 161,984
— — — — — 14,457,404
— — — — — 14,457,404
— — — — — 161,984
Saldo promedio de crédito por prestatario 878 646 695 892 1,013
Saldo promedio de crédito por prestatario/PNB per cápita 283.12% 190.08% 198.64% 247.66% 281.40%
Saldo promedio vigente — 646 695 892 1,013
Saldo promedio vigente/PNB per cápita — 190.08% 198.64% 247.66% 281.40%
+ Número de depositantes 19,443 25,753 27,557 35,456 64,710
— — — — — 43,129
— — — — — 21,581
— — — — — 64,710
— — — — — 50,279
— — — — — 50,279
— — — — — 14,431
+ Número de cuentas de ahorros 19,443 25,753 27,557 35,456 —
— — — — — 36,673
— — — — — 50,279
— — — — — 50,279
— — — — — 14,431
+ Depósitos 2,667,272 2,712,978 3,881,841 7,195,703 9,370,180
— 2,667,272 2,712,978 3,881,841 7,195,703 9,440,444
— 2,033,225 2,036,454 3,354,839 6,989,642 4,316,266
— 2,033,225 2,036,454 3,354,839 6,989,642 4,316,266
— 0 0 0 0 —
— 634,047 676,524 527,002 206,061 5,124,178
Saldo promedio de depósitos por depositante 137 105 141 203 145
Saldo promedio de depósitos por depositante/PNB per cápita 44.00% 31.00% 40.00% 56.00% 40.00%
Saldo promedio por cuenta de depósitos 137 105 141 203 —
Saldo promedio por cuenta de depósitos/PNB per cápita 0 0 0 1 —

Overall Financial Performance

2004 2005 2006 2007 2008
A la fecha 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Retorno sobre activos 3.15% 1.12% 1.32% 2.79% 4.18%
Retorno sobre patrimonio 19.12% 7.50% 9.56% 20.66% 31.31%
Auto suficiencia operativa 117.90% 105.43% 107.56% 117.31% 128.58%

Revenues

2004 2005 2006 2007 2008
A la fecha 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Ingresos financieros/activos 20.74% 21.70% 18.73% 18.92% 18.81%
Margen de ganancia 15.18% 5.15% 7.02% 14.75% 22.23%
Rendimiento sobre la cartera bruta (nominal) 25.67% 25.77% 21.61% 17.77% 22.52%
Rendimiento sobre la cartera bruta (real) 25.18% 17.76% 18.96% 16.65% 21.35%

Expenses

2004 2005 2006 2007 2008
A la fecha 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Total gasto/activos 17.60% 20.58% 17.42% 16.13% 14.63%
Gasto financiero/activos 3.48% 3.97% 2.92% 3.50% 3.60%
Provisión por incobrables/activos 1.33% 2.95% 1.54% 1.26% 0.81%
Gastos operativos/activos 12.79% 13.66% 12.96% 11.37% 10.23%
Gasto personal/activos 5.05% 6.29% 5.49% 4.55% 4.18%
Gasto administrativo/activo 7.74% 7.37% 7.48% 6.82% 6.05%

Efficiency

2004 2005 2006 2007 2008
A la fecha 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Gasto operativo/cartera de crédito 16.09% 16.78% 16.09% 14.08% 12.67%
Gasto personal/cartera de crédito 6.35% 7.73% 6.81% 5.64% 5.17%
Salario promedio /PNB per cápita 10.64 11.65 11.79 13.78 11.30
Costo por prestatario 135 124 109 114 121
Costo por préstamo — — 109 114 121

Productivity

2004 2005 2006 2007 2008
A la fecha 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
Prestatarios por miembro del personal. 58 80 98 118 65
Créditos por miembro del personal — 80 98 118 65
Prestatarios por oficial de crédito 92 133 160 304 233
Créditos por oficial de crédito — 133 160 304 233
Depositantes por miembro del personal 259 330 306 344 293
Cuentas de ahorros por miembro del personal 259 330 306 344 —
Ratio de distribución de personal 62.67% 60.26% 61.11% 38.83% 28.05%

Risk and Liquidity

2004 2005 2006 2007 2008
A la fecha 2004-12-31 2005-12-31 2006-12-31 2007-12-31 2008-12-31
USD USD USD USD USD
Cartera en Riesgo > 30 días 15.29% 14.86% 7.17% 5.77% 5.87%
Cartera en Riesgo > 90 días 2.11% 6.66% 3.56% 3.48% 2.67%
Ratio de préstamos castigados 1.02% 1.51% 3.26% 1.49% 1.36%
Tasa de incobrables 1.02% 1.51% 3.26% 1.49% 1.02%
Cobertura de riesgo 14.26% 25.19% 21.93% 18.13% 12.12%
Activos líquidos no producidos /activo total 6.10% 4.77% 13.27% 8.65% 11.08%