Stopanin3

Credit Cooperative 'Stopanin'

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Institutional Characteristics
Institutional Characteristics
MFI name Stopanin
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Assets 553,642
OfficesOffices

Number, including head office

 		1
+ PersonnelPersonnel

Total number of staff members

 		3
2
Financing Structure
Financing Structure
MFI name Stopanin
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Capital/asset ratioCapital/asset ratio

Total Equity / Total Assets

 		35.65%
Debt to equity ratioDebt to equity ratio

Total Liabilities / Total Equity

 		1.81
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

 		94.26%
Outreach Indicators
Outreach Indicators
MFI name Stopanin
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
As of date 2011-12-31
Currency USD
+ Number of active borrowersNumber of active borrowers

Number of borrowers with loans outstanding

 		198
60
138
107
91
0
Percent of female borrowers 45.96%
+ Number of loans outstandingNumber of loans outstanding

Number of loans outstanding

 		205
185
—
6
—
0
—
0
14
0
62
143
205
0
0
112
93
0
0
0
0
0
0
205
0
205
0
0
0
205
+ Gross Loan PortfolioGross Loan Portfolio

Gross Loan Portfolio

 		521,854
466,887
54,967
11,258
43,709
0
43,709
0
43,709
0
165,563
356,291
521,854
0
0
286,755
235,099
0
0
0
0
0
0
521,854
0
521,854
0
0
0
521,854
Average loan balance per borrowerAverage loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		2,636
Average loan balance per borrower / GNI per capitaAverage loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

 		36.89%
Average outstanding balanceAverage outstanding balance

Gross Loan Portfolio / Number of Loans Outstanding

 		2,546
Average outstanding balance / GNI per capitaAverage outstanding balance / GNI per capita

Average Outstanding Balance / GNI per Capita

 		35.63%
+ Number of depositorsNumber of depositors

Number of depositors with any type of deposit account

 		0
0
0
0
0
0
0
0
0
+ Number of deposit accountsNumber of deposit accounts

Number of all deposit accounts

 		0
0
0
0
0
0
0
0
0
+ DepositsDeposits

Total value of all deposit accounts

 		0
0
0
0
0
0
0
0
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

 		—
Overall Financial Performance
Overall Financial Performance
MFI name Stopanin
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Return on assetsReturn on assets

(Net Operating Income - Taxes) / Average Total Assets

 		1.71%
Return on equityReturn on equity

(Net Operating Income - Taxes) / Average Total Equity

 		5.11%
Operational self sufficiencyOperational self sufficiency

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

 		114.68%
Revenues
Revenues
MFI name Stopanin
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Financial revenue/ assetsFinancial revenue/ assets

Financial Revenue / Average Total Assets

 		15.30%
Profit marginProfit margin

Net Operating Income / Financial Revenue

 		12.80%
Yield on gross portfolio (nominal)Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		16.60%
Yield on gross portfolio (real)Yield on gross portfolio (real)

(Yield on Gross Portfolio (nominal) - Inflation Rate) / (1 + Inflation Rate)

 		12.38%
Expenses
Expenses
MFI name Stopanin
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Total expense/ assetsTotal expense/ assets

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

 		13.34%
Financial expense/ assetsFinancial expense/ assets

Financial Expense / Average Total Assets

 		5.26%
Provision for loan impairment/ assetsProvision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		0.00%
Operating expense/ assetsOperating expense/ assets

Operating Expense / Average Total Assets

 		8.08%
Personnel expense/ assetsPersonnel expense/ assets

Personnel Expense / Average Total Assets

 		5.63%
Administrative expense/ assetsAdministrative expense/ assets

Administrative Expense / Average Total Assets

 		2.45%
Efficiency
Efficiency
MFI name Stopanin
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Operating expense/ loan portfolioOperating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio

 		8.76%
Personnel expense/ loan portfolioPersonnel expense/ loan portfolio

Personnel Expense / Average Gross Loan Portfolio

 		6.11%
Average salary/ GNI per capitaAverage salary/ GNI per capita

Average Personnel Expense / GNI per capita

 		1.53
Cost per borrowerCost per borrower

Operating Expense / Average Number of Active Borrowers

 		229
Cost per loanCost per loan

Operating Expense / Average Number of Loans Outstanding

 		225
Productivity
Productivity
MFI name Stopanin
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
Borrowers per staff memberBorrowers per staff member

Number of Active Borrowers / Number of Personnel

 		66
Loans per staff memberLoans per staff member

Number of Loans Outstanding / Number of Personnel

 		68
Borrowers per loan officerBorrowers per loan officer

Number of Active Borrowers / Number of Loan Officers

 		198
Loans per loan officerLoans per loan officer

Number of Loans Outstanding / Number of Loan Officers

 		205
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

 		33.33%
Risk And Liquidity
Risk And Liquidity
MFI name Stopanin
Annual DiamondsAnnual Diamonds

Annual Diamonds - Please see details in the FAQ's

 		3
Currency USD
Fiscal year 2011
Period type ANN
As of date 2011-12-31
As of date 2011-12-31
Currency USD
Portfolio at risk > 30 daysPortfolio at risk > 30 days

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

 		10.53%
Portfolio at risk > 90 daysPortfolio at risk > 90 days

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

 		8.38%
Write-off ratioWrite-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		0.00%
Loan loss rateLoan loss rate

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

 		0.00%
Risk coverageRisk coverage

Impairment Loss Allowance / PAR > 30 Days

 		54.22%
Non-earning liquid assets as a % of total assetsNon-earning liquid assets as a % of total assets

Cash and banks / Total Assets

 		5.14%