Yehu Microfinance Trust

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Institutional Characteristics

Institutional Characteristics
MFI name	Yehu	Yehu
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-
Currency	USD	USD
Fiscal year	2012	2012
Period type	QTR	QTR
As of date	2012-12-31	2012-12-31
Assets	5,652,596	5,652,596
OfficesOffices Number, including head office	9	9
PersonnelPersonnel Total number of staff members	77	77

Financing Structure

Financing Structure
MFI name	Yehu	Yehu
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-
Currency	USD	USD
Fiscal year	2012	2012
Period type	QTR	QTR
As of date	2012-12-31	2012-12-31
Capital/asset ratioCapital/asset ratio Total Equity / Total Assets	21.59%	21.59%
Debt to equity ratioDebt to equity ratio Total Liabilities / Total Equity	—	—
Deposits to loansDeposits to loans Deposits / Gross Loan Portfolio	53.76%	53.76%
Deposits to total assetsDeposits to total assets Deposits / Total Assets	29.95%	29.95%
Gross loan portfolio to total assetsGross loan portfolio to total assets Gross Loan Portfolio / Total Assets	55.71%	55.71%

Outreach Indicators

Outreach Indicators
MFI name	Yehu	Yehu
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-
Currency	USD	USD
Fiscal year	2012	2012
Period type	QTR	QTR
As of date	2012-12-31	2012-12-31
As of date	2012-12-31	2012-12-31
Currency	USD	USD
Number of active borrowersNumber of active borrowers Number of borrowers with loans outstanding	14,558	14,558
Percent of female borrowers	—	—
Number of loans outstandingNumber of loans outstanding Number of loans outstanding	17,907	17,907
+ Gross Loan PortfolioGross Loan Portfolio Gross Loan Portfolio	3,148,918	3,148,918
+ Delinquency
Less than one month	2,778,581	—
+ One month or more	161,579	—
From one to three months	77,629	—
+ More than three months	83,949	—
More than six months	208,758	—
Average loan balance per borrowerAverage loan balance per borrower Gross Loan Portfolio / Number of Active Borrowers	216	216
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita Average Loan Balance per Borrower / GNI per Capita	25.05%	25.05%
Average outstanding balanceAverage outstanding balance Gross Loan Portfolio / Number of Loans Outstanding	176	176
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita Average Outstanding Balance / GNI per Capita	20.37%	20.37%
Number of depositorsNumber of depositors Number of depositors with any type of deposit account	33,336	33,336
Number of deposit accountsNumber of deposit accounts Number of all deposit accounts	33,336	33,336
DepositsDeposits Total value of all deposit accounts	1,692,882	1,692,882
Average deposit balance per depositorAverage deposit balance per depositor Deposits / Number of Depositors	51	51
Average deposit balance per depositor / GNI per capitaAverage deposit balance per depositor / GNI per capita Average Deposit Balance per Depositor / GNI per Capita	6.00%	6.00%
Average deposit account balanceAverage deposit account balance Deposits / Number of Deposit Accounts	51	51
Average deposit account balance / GNI per capitaAverage deposit account balance / GNI per capita Average Deposit Account Balance / GNI per Capita	6.00%	6.00%

Overall Financial Performance

Overall Financial Performance
MFI name	Yehu	Yehu
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-
Currency	USD	USD
Fiscal year	2012	2012
Period type	QTR	QTR
As of date	2012-12-31	2012-12-31
Return on assetsReturn on assets (Net Operating Income - Taxes) / Average Total Assets	12.75%	12.75%
Return on equityReturn on equity (Net Operating Income - Taxes) / Average Total Equity	59.52%	59.52%
Operational self sufficiencyOperational self sufficiency Financial Revenue / (Financial Expense + Net Impairment Loss + Operating Expense)	—	—

Revenues

Revenues
MFI name	Yehu	Yehu
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-
Currency	USD	USD
Fiscal year	2012	2012
Period type	QTR	QTR
As of date	2012-12-31	2012-12-31
Financial revenue/ assetsFinancial revenue/ assets Financial Revenue / Average Total Assets	—	—
Profit marginProfit margin Net Operating Income / Financial Revenue	—	—
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	Yehu	Yehu
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-
Currency	USD	USD
Fiscal year	2012	2012
Period type	QTR	QTR
As of date	2012-12-31	2012-12-31
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	Yehu	Yehu
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-
Currency	USD	USD
Fiscal year	2012	2012
Period type	QTR	QTR
As of date	2012-12-31	2012-12-31
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	Yehu	Yehu
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-
Currency	USD	USD
Fiscal year	2012	2012
Period type	QTR	QTR
As of date	2012-12-31	2012-12-31
Borrowers per staff memberBorrowers per staff member Number of Active Borrowers / Number of Personnel	189	189
Loans per staff memberLoans per staff member Number of Loans Outstanding / Number of Personnel	233	233
Borrowers per loan officerBorrowers per loan officer Number of Active Borrowers / Number of Loan Officers	373	373
Loans per loan officerLoans per loan officer Number of Loans Outstanding / Number of Loan Officers	459	459
Depositors per staff memberDepositors per staff member Number of Depositors / Number of Personnel	433	433
Deposit accounts per staff memberDeposit accounts per staff member Number of Deposit Accounts / Number of Personnel	433	433
Personnel allocation ratioPersonnel allocation ratio Number of Loan Officers / Number of Personnel	50.65%	50.65%

Risk And Liquidity

Risk And Liquidity
MFI name	Yehu	Yehu
Annual DiamondsAnnual Diamonds Annual Diamonds - Please see details in the FAQ's	-	-
Currency	USD	USD
Fiscal year	2012	2012
Period type	QTR	QTR
As of date	2012-12-31	2012-12-31
As of date	2012-12-31	2012-12-31
Currency	USD	USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio	5.13%	5.13%
Portfolio at risk > 90 daysPortfolio at risk > 90 days Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Gross Loan Portfolio	2.67%	2.67%
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	63.63%	63.63%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets Cash and banks / Total Assets	—	—

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