MIX Microfinance Information eXchange

MIX Market

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SKS5SKS Microfinance Private Limited

Indicators
Currency
Years
  • Gross loan portfolio to total assets

Institutional Characteristics

2004 2005 2006 2007 2008
As of date 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
Currency USD USD USD USD USD
Total assets 9,130,883 26,811,799 78,797,574 336,831,099 596,162,206
Offices 27 84 299 778 1,354
Personnel 290 809 1,945 6,425 13,407

Financing Structure

2004 2005 2006 2007 2008
As of date 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
Capital/asset ratio 0.83% 13.59% 20.87% 15.72% 21.86%
Debt to equity ratio 119.88 6.36 3.79 5.36 3.57
Deposits to loans 0.00% 0.19% 0.00% 0.00% 0.00%
Deposits to total assets 0.00% 0.15% 0.00% 0.00% 0.00%
Gross loan portfolio to total assets 83.29% 76.81% 80.27% 77.69% 46.75%

Outreach

2004 2005 2006 2007 2008
As of date 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
Currency USD USD USD USD USD
+ Number of active borrowers 73,635 172,970 513,108 1,629,474 3,520,826
— — — — — 3,520,826
— — — — — 3,520,826
— 73,635 172,970 513,108 1,629,474 3,520,826
Percent of women borrowers 100.00% 100.00% 100.00% 100.00% 100.00%
+ Number of outstanding loans 84,858 213,985 634,116 2,016,041 —
— 82,437 0 0 0 —
— — — — — —
— 66 0 0 0 —
— — — — — —
— 155 0 0 0 —
— — — — — —
— 1,074 0 0 0 —
— 1,126 1,288 145 0 —
— 1 0 0 0 —
+ Gross loan portfolio 7,604,875 20,593,830 63,247,572 261,686,364 278,710,715
— — — — — 278,710,715
— 7,230,283 20,281,265 — — 277,769,326
— 393,569 312,565 74,216 384,449 —
— 4,531 69,276 0 295,690 0
— — — — — —
— 16,277 0 22,171 81,503 862,645
— — — — — —
— 169,707 0 32,245 7,256 69,314
— 197,565 241,429 19,800 0 9,430
— 5,488 1,860 0 0 0
— — — — — 278,710,715
— — — — — 278,710,715
— — — — — 17,889,446
— — — — — 260,821,269
Average loan balance per borrower 103 119 123 161 79
Average loan balance borrower per borrower / GNI per capita 16.39% 16.09% 15.03% 16.90% 8.33%
Average outstanding balance 90 96 100 130 —
Average outstanding balance / GNI per capita 14.23% 13.01% 12.16% 13.66% —
+ Number of depositors — 0 0 0 0
— — — — — 0
+ Number of deposit accounts — 0 0 0 0
— — — — — 0
+ Deposits 0 39,780 0 0 0
— 0 39,780 0 0 0
— 0 0 0 0 —
— 0 0 0 0 —
— 0 0 0 0 —
— 0 39,780 0 0 —
Average deposit balance per depositor — — — — —
Average deposit balance per depositor / GNI per capita — — — — —
Average deposit account balance — — — — —
Average deposit account balance / GNI per capita — — — — —

Overall Financial Performance

2004 2005 2006 2007 2008
As of date 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
USD USD USD USD USD
Return on assets -0.06% 2.83% 0.76% 1.99% 3.68%
Return on equity -6.33% 27.32% 3.98% 11.94% 18.72%
Operational self sufficiency 99.79% 120.74% 110.29% 119.75% 128.53%

Revenues

2004 2005 2006 2007 2008
As of date 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
USD USD USD USD USD
Financial revenue/ assets 27.34% 20.41% 19.15% 20.36% 25.78%
Profit margin -0.21% 17.18% 9.33% 16.50% 22.20%
Yield on gross portfolio (nominal) 31.47% 21.57% 23.77% 25.28% 36.28%
Yield on gross portfolio (real) 26.70% 16.62% 16.98% 17.78% 28.12%

Expenses

2004 2005 2006 2007 2008
As of date 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
USD USD USD USD USD
Total expense/ assets 27.39% 16.90% 17.37% 17.00% 20.06%
Financial expense/ assets 11.96% 6.77% 5.99% 6.76% 8.92%
Provision for loan impairment/ assets 3.68% 1.92% 0.88% 0.61% 0.51%
Operating expense/ assets 11.75% 8.22% 10.50% 9.63% 10.62%
Personnel expense/ assets 6.41% 4.95% 5.44% 5.72% 6.42%
Administrative expense/ assets 5.35% 3.27% 5.06% 3.91% 4.20%

Efficiency

2004 2005 2006 2007 2008
As of date 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
USD USD USD USD USD
Operating expense/ loan portfolio 15.07% 10.47% 13.22% 12.32% 18.34%
Personnel expense/ loan portfolio 8.22% 6.31% 6.85% 7.32% 11.09%
Average salary/ GNI per capita 3.16 2.19 2.54 2.99 3.18
Cost per borrower 16 12 16 19 19
Cost per loan 14 10 13 15 —

Productivity

2004 2005 2006 2007 2008
As of date 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
Borrowers per staff member 254 214 264 254 263
Loans per staff member 293 265 326 314 —
Borrowers per loan officer 281 235 386 436 443
Loans per loan officer 324 290 477 539 —
Depositors per staff member — 0 0 0 0
Deposit accounts per staff member — 0 0 0 0
Personnel allocation ratio 90.34% 91.10% 68.38% 58.21% 59.28%

Risk and Liquidity

2004 2005 2006 2007 2008
As of date 2005-03-31 2006-03-31 2007-03-31 2008-03-31 2009-03-31
USD USD USD USD USD
Portfolio at risk > 30 days 5.18% 1.52% 0.12% 0.15% 0.34%
Portfolio at risk > 90 days 5.12% 1.18% 0.12% 0.03% 0.34%
Write-off ratio 0.00% 1.00% 0.61% 0.29% 0.83%
Loan loss rate 0.00% 1.00% 0.61% 0.29% 0.83%
Risk coverage 63.40% 142.80% 907.01% 398.37% 142.96%
Non-earning liquid assets as a % of total assets 16.69% 18.46% 16.44% 20.35% 51.21%