2009 MFI Benchmarks

MIX 2009 Benchmarks
Language 3
Getting Started
Tables Indicators
INSTITUTIONAL CHARACTERISTICS
FINANCING STRUCTURE
OUTREACH INDICATORS
MACROECONOMIC INDICATORS
OVERALL FINANCIAL PERFORMANCE
REVENUES
EXPENSES
EFFICIENCY
PRODUCTIVITY
RISK AND LIQUIDITY
Definitions
Indicator Definitions
Participating Institutions
Peer Group Classifications
About
Microfinance Information eXchange (MIX)
This spreadsheet contains benchmark data on the performance of microfinance institutions
around the globe. These benchmarks are the results for groups of institutions -- peer groups --
sharing common characteristics, such as region of operation or size. Click on any of the links
below to explore the performance results of these peer groups in a given area: outreach, financial
structure, profitability, productivity or risk.
PEER GROUP
Number
of MFIs
Age Total Assets Offices Personnel
Capital/
Asset Ratio
Debt to
Equity
Deposits to
Loans
Deposits to
Total Assets
Portfolio to
Assets
Units nb US$ nb nb % x % % %
Year: 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009
All MFIs 1,019 12 7,919,493 11 109 23.1 2.9 7.2 5.3 76.7
SIMPLE PEER GROUPS
Age
New 158 3 3,367,810 6 53 30.6 2.1 0.0 0.0 75.5
Young 185 7 4,828,603 9 89 23.2 2.9 1.7 1.4 78.3
Mature 676 15 10,828,801 13 128 22.4 3.3 13.9 10.0 76.3
Charter Type:
Bank 76 12 180,944,476 36 739 13.6 6.2 71.7 48.2 70.3
Credit Union 139 13 5,123,770 6 40 20.0 3.6 79.7 59.1 76.4
NBFI 359 9 11,765,003 13 143 24.9 2.9 0.0 0.0 78.1
NGO 376 13 4,989,164 10 90 31.3 1.9 0.0 0.0 78.4
Rural Bank 57 29 8,084,983 7 108 15.0 5.5 89.9 62.7 67.9
Financial Intermediation
Non FI 452 11 5,581,701 8 66 32.3 2.0 0.0 0.0 82.9
Low FI 164 10 6,691,497 12 136 27.3 2.3 14.5 10.2 73.6
High FI 386 14 13,304,719 16 181 17.0 4.5 76.4 54.4 72.0
Methodology:
Individual 364 12 9,469,036 9 85 21.2 3.5 20.0 16.5 78.4
Individual/ Solidarity 426 12 7,889,252 12 120 27.3 2.5 1.5 1.1 75.4
Solidarity 97 8 4,659,898 14 117 25.0 2.5 16.1 7.8 76.1
Village Banking 85 14 7,773,273 13 140 22.1 3.2 0.0 0.0 77.3
Outreach
Small (Outreach) 498 10 2,420,042 5 34 30.5 2.0 0.0 0.0 77.3
Medium (Outreach) 218 12 10,522,455 14 150 23.5 3.1 13.9 9.8 75.9
Large (Outreach) 299 14 49,000,542 49 607 16.7 4.8 28.3 20.4 76.5
Profit Status
Profit 420 10 14,258,700 15 189 20.5 3.7 18.7 12.5 74.7
Not for Profit 595 13 5,396,439 9 80 26.4 2.5 0.5 0.4 77.9
Region:
Africa 150 12 7,800,925 12 124 24.3 2.4 56.1 37.5 62.8
Asia 278 14 7,996,328 19 176 16.4 4.6 28.8 20.0 75.9
ECA 189 9 5,581,701 7 38 27.3 2.7 0.0 0.0 82.0
LAC 347 13 8,989,570 9 91 26.4 2.7 0.0 0.0 79.8
MENA 55 10 9,966,395 10 110 45.4 0.9 0.0 0.0 74.7
Scale
Small (Scale) 357 10 1,528,094 3 25 32.6 1.6 0.0 0.0 76.2
Medium (Scale) 283 11 6,959,004 10 105 25.4 2.6 12.4 8.9 76.3
Large (Scale) 379 13 48,858,690 34 447 17.7 4.6 28.1 20.3 77.4
Sustainability:
FSS 674 13 10,284,203 12 121 23.1 3.3 11.8 8.9 78.4
Non-FSS 320 9 4,878,389 10 87 23.2 2.5 2.2 1.8 72.0
Target Market:
Low end 412 11 5,273,006 12 115 27.9 2.4 0.0 0.0 77.0
Broad 497 12 9,791,142 10 100 22.3 3.3 9.0 7.6 77.9
High end 62 12 30,814,693 21 240 18.1 4.0 68.6 51.1 70.6
Small Business 43 10 16,209,082 6 72 19.1 3.8 66.5 50.5 72.9
COMPOUND PEER GROUPS
Africa Small (Scale) 51 10 1,673,515 6 41 32.5 1.3 38.9 25.6 57.4
Africa Medium (Scale) 43 10 7,149,633 10 115 31.5 2.1 52.9 35.6 64.1
Africa Large (Scale) 56 14 37,337,625 40 436 18.0 4.3 74.6 49.0 64.8
Africa Non-FSS 72 10 4,718,068 9 88 25.4 1.8 52.3 34.0 59.3
Africa FSS 69 12 13,325,495 16 183 24.2 3.1 59.2 40.9 65.3
Asia Small (Scale) 77 12 1,522,874 6 42 19.7 2.6 29.0 21.9 76.0
Asia Medium (Scale) 91 13 5,811,814 16 154 16.3 4.6 30.3 22.5 74.4
Asia Large (Scale) 110 15 33,011,568 73 705 15.6 5.4 24.7 18.6 77.0
Asia Non-FSS 71 7 4,518,042 15 150 15.7 3.5 16.2 11.9 71.8
Asia FSS 205 15 10,539,249 22 193 16.4 4.8 31.4 23.1 77.0
ECA Small (Scale) 78 6 672,476 1 8 40.1 1.5 0.0 0.0 88.0
ECA Medium (Scale) 37 8 5,331,079 6 36 32.6 2.1 0.0 0.0 80.2
ECA Large (Scale) 74 11 51,140,016 25 303 20.0 4.0 0.0 0.0 78.3
ECA Non-FSS 58 9 9,229,435 10 73 23.2 3.2 0.0 0.0 78.8
ECA FSS 121 10 4,037,820 5 34 32.2 2.1 0.0 0.0 84.8
LAC Small (Scale) 137 12 2,087,454 3 23 38.2 1.6 0.0 0.0 77.6
LAC Medium (Scale) 97 12 10,026,183 10 103 29.2 2.4 0.0 0.0 80.0
LAC Large (Scale) 113 17 84,112,187 28 434 17.0 4.9 58.4 44.5 81.4
LAC Non-FSS 102 11 3,940,793 7 61 26.9 2.6 0.0 0.0 75.5
LAC FSS 241 14 12,078,866 10 103 26.3 2.8 0.0 0.0 80.5
MENA Small (Scale) 14 7 992,808 5 34 26.8 0.4 2.0 1.0 61.2
MENA Medium (Scale) 15 10 5,085,486 9 73 41.5 1.2 0.0 0.0 77.5
MENA Large (Scale) 26 13 25,689,457 13 254 47.7 1.0 0.0 0.0 85.7
MENA Non-FSS 17 8 5,085,486 8 62 26.7 0.7 0.0 0.0 69.6
MENA FSS 38 11 15,349,569 12 120 47.7 1.1 0.0 0.0 77.3
For definitions of Peer Groups, refer to the Peer Group Classification section of this file
For details on indicator definitions, refer to the Indicator Definitions section of this file
"n/a" denotes results for Peer Groups with less than three observations
INSTITUTIONAL CHARACTERISTICS FINANCING STRUCTURE
PEER GROUP
Units
Year:
All MFIs
SIMPLE PEER GROUPS
Age
New
Young
Mature
Charter Type:
Bank
Credit Union
NBFI
NGO
Rural Bank
Non FI
Low FI
High FI
Methodology:
Individual
Individual/ Solidarity
Solidarity
Village Banking
Outreach
Small (Outreach)
Medium (Outreach)
Large (Outreach)
Profit Status
Profit
Not for Profit
Region:
Africa
Asia
ECA
LAC
MENA
Scale
Small (Scale)
Medium (Scale)
Large (Scale)
Sustainability:
FSS
Non-FSS
Target Market:
Low end
Broad
High end
Small Business
Africa Small (Scale)
Africa Medium (Scale)
Africa Large (Scale)
Africa Non-FSS
Africa FSS
Asia Small (Scale)
Asia Medium (Scale)
Asia Large (Scale)
Asia Non-FSS
Asia FSS
ECA Small (Scale)
ECA Medium (Scale)
ECA Large (Scale)
ECA Non-FSS
ECA FSS
LAC Small (Scale)
LAC Medium (Scale)
LAC Large (Scale)
LAC Non-FSS
LAC FSS
MENA Small (Scale)
MENA Medium (Scale)
MENA Large (Scale)
MENA Non-FSS
MENA FSS
Number of
Active
Borrowers
Percent of
Women
Borrowers
Number of
Loans
Outstanding
Gross Loan
Portfolio
Average Loan
Balance per
Borrower
Average Loan
Balance per
Borrower/ GNI per
Capita
Average
Outstanding
Balance
Average
Outstanding
Balance/ GNI
per Capita
nb % nb US$ US$ % US$ %
2009 2009 2009 2009 2009 2009 2009 2009
10,394 63.2 10,986 5,364,012 556 27.9 528 27.2
4,587 69.0 5,365 2,131,408 356 19.7 344 18.8
7,701 64.5 8,436 3,249,077 441 27.8 420 26.2
13,657 62.0 13,891 7,689,955 672 30.8 650 30.0
44,981 50.2 44,984 114,811,451 2,363 111.0 2,211 105.7
3,149 43.8 3,149 3,179,640 1,518 56.2 1,471 53.6
12,136 60.0 12,824 7,872,676 603 31.6 586 30.4
10,121 80.0 10,471 3,560,663 272 16.4 267 15.6
9,799 30.5 10,057 5,258,552 569 38.0 526 30.8
6,913 62.9 6,958 4,047,058 581 20.5 571 20.0
12,142 83.9 12,142 4,244,535 243 22.5 239 22.0
17,110 54.4 17,110 8,822,537 845 42.3 731 39.1
7,080 46.0 7,649 6,373,769 1,415 45.0 1,326 41.2
11,755 67.6 11,755 5,591,883 455 26.9 443 26.7
17,921 99.6 18,283 2,865,851 145 13.8 138 13.3
17,447 86.6 17,489 5,300,642 238 12.7 236 12.5
2,716 55.7 2,844 1,628,669 860 33.6 766 32.0
16,667 68.2 17,081 7,670,522 434 25.2 426 25.1
80,568 81.1 86,593 35,449,298 282 22.9 258 21.6
14,972 58.9 15,195 8,949,766 675 33.8 655 31.4
8,436 67.5 8,837 3,819,853 483 25.2 476 24.8
11,322 59.8 11,634 4,757,102 419 59.8 396 58.5
25,769 94.4 26,238 5,193,737 164 17.6 156 15.8
2,386 40.3 2,479 3,819,853 2,037 61.7 1,971 58.1
9,001 61.9 9,552 6,493,088 917 24.1 888 22.9
13,161 67.6 13,161 6,229,943 364 12.9 364 12.9
2,295 67.4 2,382 1,048,385 434 21.2 412 20.2
11,099 64.0 11,654 5,124,670 461 26.7 451 26.4
51,674 59.8 56,499 34,895,052 960 42.6 884 40.7
13,889 63.3 14,643 7,663,104 591 28.3 573 27.4
7,769 63.8 8,092 2,951,278 451 26.6 432 25.9
15,647 88.5 15,917 3,556,137 188 11.8 184 11.1
8,664 50.8 9,075 6,651,381 1,015 47.3 975 44.8
10,565 38.6 12,676 17,659,758 1,833 180.3 1,790 171.6
2,047 31.3 1,746 12,644,150 4,946 354.4 4,843 329.5
3,149 68.5 3,149 974,006 201 33.6 201 33.2
9,786 52.4 10,475 4,246,063 417 57.9 417 57.9
44,981 57.2 44,692 26,106,130 845 109.5 831 95.9
7,644 58.3 7,729 2,131,033 362 55.7 323 53.9
20,202 60.9 20,175 9,293,653 477 59.8 469 59.8
5,072 97.2 5,072 1,062,793 154 14.3 148 14.1
21,706 89.2 23,606 4,074,446 184 16.8 162 15.7
139,505 94.6 143,574 24,333,205 165 20.1 146 18.0
11,928 88.5 12,142 2,724,177 157 17.5 148 17.1
35,118 97.1 36,080 7,579,082 166 17.9 159 15.8
341 43.7 345 540,641 1,800 56.1 1,795 54.0
2,386 41.9 2,479 3,860,141 1,302 38.8 1,302 37.6
23,293 34.9 24,228 40,102,541 2,681 82.4 2,676 77.0
3,090 48.0 3,221 7,156,595 1,787 50.2 1,760 45.7
2,186 39.6 2,409 2,987,232 1,910 63.7 1,891 60.6
2,531 68.7 2,552 1,598,020 474 13.9 470 13.9
11,203 62.5 11,240 7,799,797 864 21.8 819 21.8
44,541 50.9 49,731 61,709,790 1,977 50.1 1,827 45.3
6,611 63.7 6,611 2,808,426 572 15.4 556 14.9
11,490 60.1 12,078 9,141,949 1,176 29.1 1,066 28.1
3,033 94.4 3,033 623,178 164 11.9 164 11.9
6,965 67.6 6,965 3,655,800 435 15.3 435 15.3
43,551 56.4 43,551 20,181,206 548 13.9 540 13.9
6,965 75.8 6,965 3,027,172 412 15.3 412 15.3
15,762 58.4 15,762 11,600,768 347 12.3 347 12.3
OUTREACH INDICATORS
PEER GROUP
Units
Year:
All MFIs
SIMPLE PEER GROUPS
Age
New
Young
Mature
Charter Type:
Bank
Credit Union
NBFI
NGO
Rural Bank
Non FI
Low FI
High FI
Methodology:
Individual
Solidarity
Village Banking
Outreach
Small (Outreach)
Medium (Outreach)
Large (Outreach)
Profit Status
Profit
Not for Profit
Region:
Africa
Asia
ECA
LAC
MENA
Scale
Small (Scale)
Medium (Scale)
Large (Scale)
Sustainability:
FSS
Non-FSS
Target Market:
Low end
Broad
High end
Small Business
Africa Non-FSS
Africa FSS
Asia Small (Scale)
Asia Medium (Scale)
Asia Large (Scale)
Asia Non-FSS
Asia FSS
ECA Small (Scale)
ECA Medium (Scale)
ECA Large (Scale)
ECA Non-FSS
ECA FSS
LAC Small (Scale)
LAC Medium (Scale)
LAC Large (Scale)
LAC Non-FSS
LAC FSS
MENA Small (Scale)
MENA Medium (Scale)
MENA Large (Scale)
MENA Non-FSS
MENA FSS
Number of
Depositors
Number of
Deposit
Accounts
Deposits
Average
Deposit
Balance per
Depositor
Average Deposit
Balance per
Depositor/ GNI per
capita
Average
Deposit
Account
Balance
Average Deposit
Account Balance/
GNI per capita
nb nb US$ US$ % US$ %
2009 2009 2009 2009 2009 2009 2009
243 572 121,939 123 10.0 122 10.0
0 0 0 112 10.0 113 9.0
0 55 29,660 71 7.0 75 6.0
2,980 3,891 463,009 152 11.0 144 10.0
64,001 88,078 79,757,259 660 30.5 742 34.0
12,018 13,656 2,456,209 373 17.0 301 15.0
0 0 0 113 11.0 113 11.0
0 0 0 36 4.0 34 4.0
21,294 22,495 3,526,756 181 11.0 183 11.0
0 0 0 n/a n/a n/a n/a
8,617 9,510 497,702 40 4.0 37 4.0
33,902 38,871 6,278,189 198 14.0 199 14.0
282 793 434,804 457 18.0 465 17.0
9 37 26,248 98 9.0 92 8.0
7,195 7,195 98,086 36 4.0 30 3.0
0 0 0 51 4.0 48 4.0
0 0 0 158 11.0 163 11.0
11,988 12,927 434,219 86 8.0 81 8.0
44,532 58,043 3,055,413 123 11.0 116 10.0
3,351 5,254 778,238 177 13.0 194 13.0
0 0 10,802 87 9.0 76 7.0
31,263 30,986 2,851,987 102 15.0 97 15.0
12,481 13,690 1,079,860 47 6.0 45 5.0
0 0 0 2,375 61.0 1,617 40.5
0 0 0 477 13.5 451 12.0
0 0 0 30 2.0 30 2.0
0 0 0 73 8.0 72 6.0
4,442 5,056 410,425 75 8.0 72 6.0
22,129 27,404 5,135,715 277 18.0 289 18.0
1,126 1,622 300,161 152 10.0 143 9.5
1 83 39,246 78 9.0 81 9.0
0 0 0 37 4.0 36 3.0
1,874 2,461 398,811 253 14.0 230 13.0
29,155 35,435 7,455,954 263 35.0 260 33.0
7,547 10,286 6,313,340 996 91.5 998 72.0
7,263 7,355 405,093 62 11.0 57 11.0
30,680 30,680 2,471,120 70 11.0 66 10.5
122,225 122,968 22,336,222 166 23.5 151 22.0
21,610 23,572 1,278,100 76 14.0 76 14.0
46,422 60,158 5,698,864 109 19.0 107 17.5
6,075 6,198 229,457 45 5.0 43 4.0
19,080 19,090 1,319,357 44 5.0 46 4.0
45,808 48,759 3,946,300 58 7.0 52 6.0
9,403 12,125 294,541 36 6.0 36 4.0
14,185 15,496 1,311,081 52 6.0 48 5.0
0 0 0 3,128 65.0 3,367 65.0
0 0 0 266 7.5 266 7.5
0 0 0 1,943 101.5 1,454 39.5
0 0 0 1,958 22.0 1,548 34.5
0 0 0 2,134 75.5 1,523 51.0
0 0 0 148 5.0 131 4.0
0 0 0 274 7.5 229 6.5
30,482 34,659 25,541,477 923 25.0 882 23.0
0 0 0 282 9.0 233 9.0
0 0 0 574 14.5 543 13.0
0 0 5,759 18 2.0 18 2.0
0 0 0 95 5.0 75 4.0
0 0 0 n/a n/a n/a n/a
0 0 0 30 2.0 30 2.0
0 0 0 57 3.5 47 3.0
OUTREACH INDICATORS OUTREACH INDICATORS
PEER GROUP
Units
Year:
All MFIs
SIMPLE PEER GROUPS
Age
New
Young
Mature
Charter Type:
Bank
Credit Union
NBFI
NGO
Rural Bank
Non FI
Low FI
High FI
Methodology:
Individual
Solidarity
Village Banking
Outreach
Small (Outreach)
Medium (Outreach)
Large (Outreach)
Profit Status
Profit
Not for Profit
Region:
Africa
Asia
ECA
LAC
MENA
Scale
Small (Scale)
Medium (Scale)
Large (Scale)
Sustainability:
FSS
Non-FSS
Target Market:
Low end
Broad
High end
Small Business
Africa Non-FSS
Africa FSS
Asia Small (Scale)
Asia Medium (Scale)
Asia Large (Scale)
Asia Non-FSS
Asia FSS
ECA Small (Scale)
ECA Medium (Scale)
ECA Large (Scale)
ECA Non-FSS
ECA FSS
LAC Small (Scale)
LAC Medium (Scale)
LAC Large (Scale)
LAC Non-FSS
LAC FSS
MENA Small (Scale)
MENA Medium (Scale)
MENA Large (Scale)
MENA Non-FSS
MENA FSS
GNI per
Capita
GDP Growth
Rate
Deposit
Rate
Inflation
Rate
Financial
Depth
Return on
Assets
Return on
Equity
Operational Self-
Sufficiency
Financial Self-
Sufficiency
US$ % % % % % % % %
2009 2009 2009 2009 2009 2009 2009 2009 2009
1,863 1.5 6.0 4.9 36.0 1.5 7.1 109.1 107.8
1,093 2.0 6.1 6.9 30.9 (0.3) 0.9 99.6 98.0
2,245 2.0 7.0 5.3 34.3 1.1 6.0 105.2 103.4
1,863 1.5 5.6 4.3 38.2 1.6 8.3 111.1 109.9
1,863 0.5 7.7 5.0 32.6 0.5 5.1 105.0 103.2
3,940 (0.3) 4.8 4.3 33.7 1.2 5.6 109.4 109.3
2,496 1.5 6.0 5.3 34.3 1.1 5.1 107.1 105.6
1,721 2.5 6.0 4.9 41.2 2.1 8.5 109.1 107.1
1,721 1.0 4.5 2.8 59.5 1.8 14.8 116.8 116.6
3,766 0.4 6.0 4.9 38.9 1.6 5.1 108.6 107.3
1,033 3.0 6.0 5.5 34.3 1.3 5.9 105.9 105.7
1,721 1.6 4.8 4.6 36.4 1.4 9.1 110.4 108.2
3,940 0.7 6.0 4.2 36.0 1.6 7.5 110.7 109.6
1,721 1.6 5.6 4.9 34.6 1.1 5.6 108.0 105.7
1,033 4.6 6.0 8.4 60.2 1.8 7.8 110.0 108.2
1,716 1.5 6.0 5.3 34.6 1.6 7.5 107.9 108.0
2,630 1.0 6.2 5.0 34.3 0.9 4.2 106.2 104.0
1,721 1.5 4.9 4.1 36.0 1.1 4.3 106.1 104.9
1,052 2.9 6.0 5.3 50.7 2.0 13.0 113.4 112.5
1,721 1.5 6.0 5.3 34.6 1.2 7.7 109.1 107.4
2,169 1.5 6.0 4.3 37.2 1.5 6.3 109.3 107.9
639 3.8 6.0 8.5 25.5 (0.2) 2.3 100.5 99.1
1,033 4.6 6.0 5.3 60.2 1.8 11.2 111.4 109.9
4,236 (2.0) 8.0 5.6 37.4 1.1 3.0 109.8 108.0
4,377 (1.0) 4.8 4.3 34.3 1.5 6.3 108.1 107.9
2,450 4.2 5.0 4.3 88.4 3.4 10.2 123.5 121.3
2,224 1.0 6.2 5.3 34.3 1.1 4.2 105.6 103.8
1,721 1.5 5.6 4.6 37.6 1.3 5.2 107.6 105.4
1,721 1.5 6.0 4.3 37.1 1.6 9.6 112.0 111.3
2,106 1.5 5.8 4.6 38.2 2.6 11.2 116.5 115.8
1,665 1.5 6.1 5.3 35.1 (5.4) (16.6) 82.5 79.2
2,224 2.0 6.0 5.3 41.2 1.8 8.6 107.5 105.6
2,106 1.5 5.6 4.2 34.3 1.3 5.8 109.9 108.5
995 2.6 5.7 3.8 36.0 0.9 5.8 106.3 107.2
1,093 2.4 7.9 4.6 24.8 1.1 6.0 110.9 108.8
512 4.0 7.9 8.4 24.1 (4.2) (13.1) 85.0 85.0
641 3.8 6.7 9.0 25.5 (0.8) (2.2) 95.7 95.7
641 3.6 5.3 8.7 30.4 1.7 9.5 108.7 108.0
544 3.7 6.9 9.0 25.5 (6.1) (16.5) 75.1 72.1
639 4.1 5.3 8.5 25.5 2.8 10.9 115.1 113.4
1,033 4.0 6.0 7.0 59.5 1.6 10.1 105.9 104.4
1,033 4.0 6.0 4.6 59.5 1.5 9.1 109.4 108.2
1,033 5.4 6.0 5.3 60.2 2.2 13.3 116.0 114.8
1,033 5.4 7.1 5.3 59.5 (5.2) (17.5) 82.4 76.2
1,033 4.0 6.0 5.3 60.2 2.5 13.6 117.1 116.8
4,864 (2.0) 8.0 7.3 39.4 1.6 4.7 114.5 113.9
4,864 (2.5) 8.0 2.8 35.6 1.4 2.0 105.4 105.4
4,236 (2.5) 7.3 2.5 35.6 0.4 1.5 104.6 103.3
4,236 (3.5) 8.0 5.6 41.2 (4.6) (18.2) 86.7 82.7
4,236 0.7 8.0 3.9 34.5 2.4 8.2 117.6 115.8
4,377 (1.0) 4.8 5.2 27.7 0.9 2.4 103.2 102.3
4,377 (1.0) 4.7 4.3 34.3 1.4 5.8 108.1 108.1
4,377 (0.3) 4.7 3.4 34.3 1.6 10.6 111.9 111.9
4,519 (1.0) 6.0 4.9 34.3 (5.8) (14.8) 83.9 82.9
4,377 (0.7) 4.7 4.2 34.3 2.4 10.2 113.8 113.3
1,388 4.2 7.1 8.4 32.4 3.0 14.1 114.1 107.3
2,450 3.9 4.9 4.3 88.4 1.5 4.2 102.3 102.3
2,758 4.7 4.9 4.1 88.4 6.6 10.2 141.8 133.3
2,450 4.2 3.8 4.3 32.4 (7.5) (10.9) 69.3 66.5
2,450 4.5 6.6 5.6 88.4 7.0 13.2 143.6 138.3
OVERALL FINANCIAL PERFORMANCE MACROECONOMIC INDICATORS
PEER GROUP
Units
Year:
All MFIs
SIMPLE PEER GROUPS
Age
New
Young
Mature
Charter Type:
Bank
Credit Union
NBFI
NGO
Rural Bank
Non FI
Low FI
High FI
Methodology:
Individual
Solidarity
Village Banking
Outreach
Small (Outreach)
Medium (Outreach)
Large (Outreach)
Profit Status
Profit
Not for Profit
Region:
Africa
Asia
ECA
LAC
MENA
Scale
Small (Scale)
Medium (Scale)
Large (Scale)
Sustainability:
FSS
Non-FSS
Target Market:
Low end
Broad
High end
Small Business
Africa Non-FSS
Africa FSS
Asia Small (Scale)
Asia Medium (Scale)
Asia Large (Scale)
Asia Non-FSS
Asia FSS
ECA Small (Scale)
ECA Medium (Scale)
ECA Large (Scale)
ECA Non-FSS
ECA FSS
LAC Small (Scale)
LAC Medium (Scale)
LAC Large (Scale)
LAC Non-FSS
LAC FSS
MENA Small (Scale)
MENA Medium (Scale)
MENA Large (Scale)
MENA Non-FSS
MENA FSS
Financial
Revenue/ Assets
Profit
Margin
Yield on Gross
Portfolio
(nominal)
Yield on Gross
Portfolio (real)
Total Expense/
Assets
Financial
Expense/
Assets
Provision for
Loan
Impairment/
Assets
Operating
Expense/
Assets
% % % % % % % %
2009 2009 2009 2009 2009 2009 2009 2009
23.3 7.3 28.0 21.8 22.4 5.0 1.4 13.5
27.3 (2.1) 34.7 24.5 30.2 4.9 1.5 20.6
25.9 3.3 32.7 27.9 25.2 5.0 1.4 17.6
22.1 9.1 25.9 20.0 20.1 5.0 1.4 12.2
18.2 3.1 22.4 16.1 18.7 5.2 1.4 9.9
15.9 8.5 19.9 14.7 14.7 4.0 0.9 9.4
26.4 5.4 31.2 27.3 24.6 6.0 2.1 15.0
25.4 6.8 29.6 23.2 24.5 4.5 1.4 17.6
22.1 14.2 27.8 23.6 17.6 5.1 0.7 12.0
26.3 7.0 30.6 26.3 24.8 5.4 1.9 15.5
24.1 5.4 30.2 24.5 23.7 5.5 1.5 15.0
19.8 7.5 23.9 18.4 18.3 4.5 1.1 11.1
21.4 8.9 24.9 19.4 19.2 5.3 1.4 10.8
25.3 5.4 31.1 26.3 24.4 4.7 1.7 16.3
20.7 7.6 28.8 19.3 22.1 4.8 0.8 14.9
26.6 7.8 28.5 20.7 23.9 4.9 1.2 16.8
23.1 3.9 28.6 22.6 23.5 4.5 1.3 15.2
24.6 4.7 30.8 25.9 23.7 5.0 1.9 15.0
22.0 11.1 25.3 18.4 19.3 5.8 1.2 11.0
24.5 7.0 29.0 22.7 22.4 5.8 1.4 13.6
22.7 7.3 27.3 21.4 22.4 4.5 1.4 13.6
21.8 (2.4) 30.3 21.8 24.2 2.7 1.3 18.1
20.5 9.0 25.2 17.8 19.4 5.4 0.8 11.5
22.0 7.3 27.0 21.4 21.9 5.9 1.9 11.3
26.5 7.3 29.7 26.0 25.5 5.4 2.3 15.4
21.9 17.6 32.7 25.0 20.0 3.7 0.6 14.6
26.3 3.7 33.6 25.2 27.0 4.1 1.2 19.2
24.4 5.1 29.8 23.6 23.5 4.9 1.7 14.7
21.4 10.0 24.4 18.7 19.3 5.8 1.6 10.9
23.6 13.6 27.6 21.5 19.6 5.1 1.1 12.3
22.2 (26.1) 29.0 22.5 29.9 4.7 3.1 19.1
28.6 5.3 34.1 26.9 26.9 5.1 1.2 19.6
21.5 8.1 26.3 21.6 20.1 5.0 1.7 12.3
17.4 6.7 20.7 16.7 17.5 4.7 1.4 9.8
14.3 8.1 20.0 13.1 15.1 4.4 0.9 9.1
27.2 (17.7) 40.8 27.1 32.0 1.9 1.4 26.6
22.2 (6.2) 27.3 18.8 24.4 2.2 1.2 18.8
19.1 7.4 23.9 18.1 18.8 3.3 1.1 14.2
23.7 (38.8) 37.0 23.0 31.9 2.4 2.4 26.6
19.8 11.2 27.1 20.0 16.5 2.9 0.9 13.4
20.9 4.5 27.7 18.0 22.1 4.4 0.8 14.4
21.4 7.6 27.2 20.4 21.1 4.9 0.8 12.3
20.5 12.9 24.0 16.9 17.4 6.7 0.7 9.8
16.3 (29.9) 23.7 17.1 22.9 4.4 1.9 15.6
21.9 14.3 25.6 18.0 17.9 6.0 0.7 10.7
25.0 12.7 33.2 24.2 24.0 4.4 0.2 14.4
23.9 5.1 28.2 21.9 22.9 5.8 2.2 13.0
21.1 3.2 23.0 19.6 21.2 6.5 2.6 9.9
21.9 (20.9) 27.1 20.7 28.3 6.8 4.5 12.9
22.1 13.8 28.2 22.3 18.7 5.3 1.1 10.9
30.8 2.2 37.4 32.0 29.0 4.4 1.4 23.7
29.2 7.5 34.5 29.2 28.0 5.7 2.4 18.1
23.1 10.5 25.3 21.2 22.1 6.0 2.8 10.7
29.1 (20.7) 35.1 31.3 34.8 5.3 4.1 25.1
26.2 11.7 28.7 24.6 22.9 5.4 1.8 14.1
26.3 6.7 40.7 29.1 23.4 4.1 1.2 19.1
23.7 11.8 30.2 19.1 20.0 2.5 0.6 16.7
21.7 25.0 30.2 20.1 15.5 3.8 0.6 11.4
18.7 (50.5) 29.9 21.2 26.4 3.6 1.7 19.4
22.8 27.6 32.9 26.2 15.3 3.7 0.6 11.2
REVENUES EXPENSES
PEER GROUP
Units
Year:
All MFIs
SIMPLE PEER GROUPS
Age
New
Young
Mature
Charter Type:
Bank
Credit Union
NBFI
NGO
Rural Bank
Non FI
Low FI
High FI
Methodology:
Individual
Solidarity
Village Banking
Outreach
Small (Outreach)
Medium (Outreach)
Large (Outreach)
Profit Status
Profit
Not for Profit
Region:
Africa
Asia
ECA
LAC
MENA
Scale
Small (Scale)
Medium (Scale)
Large (Scale)
Sustainability:
FSS
Non-FSS
Target Market:
Low end
Broad
High end
Small Business
Africa Non-FSS
Africa FSS
Asia Small (Scale)
Asia Medium (Scale)
Asia Large (Scale)
Asia Non-FSS
Asia FSS
ECA Small (Scale)
ECA Medium (Scale)
ECA Large (Scale)
ECA Non-FSS
ECA FSS
LAC Small (Scale)
LAC Medium (Scale)
LAC Large (Scale)
LAC Non-FSS
LAC FSS
MENA Small (Scale)
MENA Medium (Scale)
MENA Large (Scale)
MENA Non-FSS
MENA FSS
Personnel
Expense/
Assets
Administrative
Expense/ Assets
Adjustment
Expense/
Assets
Operating
Expense/ Loan
Portfolio
Personnel
Expense/ Loan
Portfolio
Average Salary/
GNI per Capita
Cost per
Borrower
Cost per
Loan
% % % % % x US$ US$
2009 2009 2009 2009 2009 2009 2009 2009
7.6 5.9 1.3 18.5 10.1 2.8 134 132
10.7 9.2 1.7 28.7 15.6 2.5 138 137
9.5 7.0 1.7 24.5 13.0 2.6 150 134
6.7 5.3 1.2 16.1 9.1 3.0 132 131
5.3 4.9 1.5 14.4 7.4 4.5 362 298
4.7 4.5 1.1 12.7 6.3 2.6 187 176
8.6 6.5 1.1 20.4 10.8 3.1 173 167
9.8 6.7 1.7 21.4 12.9 2.5 84 82
6.3 6.0 1.4 16.9 9.4 2.4 97 97
9.2 6.1 1.4 20.1 11.4 2.5 143 140
8.5 6.8 1.4 20.2 11.7 3.5 86 80
5.6 5.5 1.0 16.3 8.6 3.2 147 144
5.8 4.9 1.0 14.6 7.4 2.8 216 203
9.0 6.9 1.6 22.0 12.2 3.4 116 112
8.4 5.9 1.1 20.1 12.1 2.3 28 28
9.2 6.3 1.1 22.1 12.7 2.5 96 90
8.2 6.7 2.0 21.3 11.2 2.6 174 171
8.2 6.7 1.1 20.2 11.7 3.2 130 127
6.1 4.7 0.9 14.1 8.5 3.2 84 82
7.2 6.1 1.2 18.4 9.8 3.1 169 162
7.7 5.7 1.3 18.7 10.6 2.7 123 120
8.4 9.9 2.5 30.1 13.7 9.2 141 132
6.5 4.8 1.0 15.4 9.2 2.3 29 28
6.2 4.9 1.9 14.7 7.5 3.1 286 254
8.8 6.6 1.0 19.6 11.1 2.7 179 172
10.3 4.4 2.7 20.9 14.5 2.6 86 84
10.0 7.7 2.6 26.0 13.8 2.2 127 124
8.2 6.2 1.1 20.2 11.4 2.8 128 124
6.0 4.8 0.9 14.0 7.6 3.4 153 148
6.8 5.2 1.1 16.0 8.9 2.8 121 115
9.4 8.5 1.9 28.6 14.8 3.5 169 163
11.2 7.5 1.4 24.9 14.5 2.0 63 59
6.5 5.4 1.3 15.8 8.5 3.5 171 167
4.9 4.9 0.9 15.0 7.2 7.8 333 280
4.8 4.5 2.4 15.1 6.8 7.8 677 652
10.6 12.8 4.2 48.2 16.9 9.2 101 97
8.4 12.0 2.0 29.4 13.9 7.6 131 126
6.4 7.5 1.6 22.5 11.1 10.6 164 150
10.7 12.8 3.0 48.3 17.2 9.3 157 147
5.8 7.5 2.3 22.0 9.4 8.9 127 114
7.8 6.6 1.9 18.6 10.4 1.8 32 30
6.5 5.3 1.0 17.2 10.0 2.4 40 40
6.1 4.0 0.9 13.0 7.8 2.6 25 23
8.6 7.2 1.4 23.1 12.9 2.6 45 42
6.3 4.5 0.9 13.8 8.4 2.3 25 24
7.2 6.6 2.9 19.7 8.8 2.1 202 202
7.8 5.1 1.6 15.2 9.1 3.1 215 203
5.5 4.4 1.3 12.5 6.8 3.7 331 329
6.7 6.0 1.2 15.3 7.8 3.4 314 304
6.2 4.6 2.0 14.1 7.9 3.1 209 201
13.2 8.9 2.1 29.4 16.8 2.1 157 152
10.5 7.4 1.0 22.1 13.1 2.7 163 159
5.8 4.9 0.5 13.7 7.1 3.4 244 216
13.8 10.5 1.7 35.8 19.6 2.5 199 185
8.0 5.8 0.9 17.2 9.7 2.8 174 167
13.5 6.3 4.3 30.8 20.3 2.6 49 49
11.6 5.5 1.6 26.0 15.1 2.4 123 123
7.9 3.9 1.3 16.4 11.8 2.7 87 84
13.3 6.1 3.3 36.6 21.4 3.4 137 137
8.1 4.0 2.6 17.9 11.9 2.5 59 56
EXPENSES EFFICIENCY
PEER GROUP
Units
Year:
All MFIs
SIMPLE PEER GROUPS
Age
New
Young
Mature
Charter Type:
Bank
Credit Union
NBFI
NGO
Rural Bank
Non FI
Low FI
High FI
Methodology:
Individual
Solidarity
Village Banking
Outreach
Small (Outreach)
Medium (Outreach)
Large (Outreach)
Profit Status
Profit
Not for Profit
Region:
Africa
Asia
ECA
LAC
MENA
Scale
Small (Scale)
Medium (Scale)
Large (Scale)
Sustainability:
FSS
Non-FSS
Target Market:
Low end
Broad
High end
Small Business
Africa Non-FSS
Africa FSS
Asia Small (Scale)
Asia Medium (Scale)
Asia Large (Scale)
Asia Non-FSS
Asia FSS
ECA Small (Scale)
ECA Medium (Scale)
ECA Large (Scale)
ECA Non-FSS
ECA FSS
LAC Small (Scale)
LAC Medium (Scale)
LAC Large (Scale)
LAC Non-FSS
LAC FSS
MENA Small (Scale)
MENA Medium (Scale)
MENA Large (Scale)
MENA Non-FSS
MENA FSS
Cost per
Borrower/ GNI
per Capita
Borrowers per
Staff Member
Loans per
Staff Member
Borrowers per
Loan Officer
Loans per Loan
Officer
Depositors per
Staff Member
Deposit
Accounts per
Staff Member
Personnel
Allocation
Ratio
% nb nb nb nb nb nb %
2009 2009 2009 2009 2009 2009 2009 2009
5.0 102 106 238 249 6 13 45.5
5.5 78 78 182 189 - - 46.7
4.9 95 100 215 232 - 0 47.1
5.0 110 113 254 268 47 52 45.0
14.6 64 68 252 291 159 156 34.6
5.7 84 90 275 291 251 281 30.7
6.3 91 96 205 216 - - 45.2
3.4 124 130 252 263 - - 50.4
5.6 99 104 247 280 205 217 40.2
4.4 101 105 226 233 - - 47.0
4.8 112 117 243 247 99 102 49.2
6.1 100 105 257 275 210 228 40.6
5.9 83 89 226 238 13 24 39.0
5.8 103 106 226 237 0 0 46.9
2.6 155 162 274 284 123 123 55.6
2.2 135 136 292 306 - - 51.8
6.1 76 78 188 192 - - 41.2
5.1 110 112 247 260 73 77 46.6
3.6 155 163 322 354 111 125 51.8
6.3 85 93 222 234 35 49 43.8
4.5 110 113 248 260 - - 46.7
20.9 94 99 235 250 254 265 43.1
2.7 139 151 261 280 136 139 53.6
8.3 59 61 151 151 - - 40.0
4.6 105 108 263 273 - - 42.2
3.2 115 115 202 202 - - 55.8
4.7 86 90 201 212 - - 45.0
4.6 106 106 242 253 49 52 45.5
5.8 120 127 277 293 59 82 45.5
4.4 113 120 266 276 11 18 45.5
8.1 83 86 194 201 0 4 45.4
2.4 142 146 272 280 - - 54.4
7.0 89 95 231 241 27 33 40.9
26.7 52 61 184 188 164 182 29.1
54.5 22 23 81 83 18 31 25.0
22.2 95 95 216 226 147 153 46.6
15.8 89 89 194 225 288 309 42.0
23.5 101 110 335 353 309 311 41.7
26.0 86 89 198 214 202 202 45.2
19.7 115 114 327 334 280 299 38.2
2.9 113 116 218 228 150 150 54.6
3.3 117 131 254 278 139 146 49.2
2.6 173 185 321 372 101 124 56.9
5.8 109 111 223 235 94 97 48.9
2.5 156 168 284 302 145 153 56.1
8.6 41 41 119 121 - - 33.3
5.5 68 77 187 187 - - 41.5
9.4 68 70 192 196 - - 41.3
8.1 54 56 132 137 - - 42.3
8.3 64 66 169 181 - - 38.5
4.0 100 105 232 238 - - 42.9
4.3 106 107 269 275 - - 44.4
5.9 110 120 281 324 89 89 38.5
5.7 83 87 219 226 - - 42.0
4.5 112 118 281 297 - - 42.4
3.7 82 82 152 152 - - 54.1
3.7 105 105 167 167 - - 55.2
2.3 154 154 267 267 - - 57.9
6.1 99 99 160 165 - - 60.6
2.3 141 141 257 257 - - 54.8
PRODUCTIVITY
PEER GROUP
Units
Year:
All MFIs
SIMPLE PEER GROUPS
Age
New
Young
Mature
Charter Type:
Bank
Credit Union
NBFI
NGO
Rural Bank
Non FI
Low FI
High FI
Methodology:
Individual
Solidarity
Village Banking
Outreach
Small (Outreach)
Medium (Outreach)
Large (Outreach)
Profit Status
Profit
Not for Profit
Region:
Africa
Asia
ECA
LAC
MENA
Scale
Small (Scale)
Medium (Scale)
Large (Scale)
Sustainability:
FSS
Non-FSS
Target Market:
Low end
Broad
High end
Small Business
Africa Non-FSS
Africa FSS
Asia Small (Scale)
Asia Medium (Scale)
Asia Large (Scale)
Asia Non-FSS
Asia FSS
ECA Small (Scale)
ECA Medium (Scale)
ECA Large (Scale)
ECA Non-FSS
ECA FSS
LAC Small (Scale)
LAC Medium (Scale)
LAC Large (Scale)
LAC Non-FSS
LAC FSS
MENA Small (Scale)
MENA Medium (Scale)
MENA Large (Scale)
MENA Non-FSS
MENA FSS
Portfolio at
Risk > 30
Days
Portfolio at
Risk > 90
Days
Write-off
Ratio
Loan Loss
Rate
Risk
Coverage
Ratio
Non-earning
Liquid Assets
as a % of Total
Assets
% % % % % %
2009 2009 2009 2009 2009 2009
4.6 2.8 0.9 0.7 81.2 13.9
3.7 1.7 0.3 0.1 86.2 12.8
3.7 2.1 0.9 0.8 85.9 14.3
5.0 3.3 1.0 0.7 79.6 14.2
5.9 4.1 1.0 0.8 66.6 20.5
5.2 3.4 0.3 0.1 55.0 11.7
4.5 2.7 1.2 1.0 86.9 14.0
4.1 2.3 1.0 0.7 89.4 12.0
9.7 5.7 0.5 0.2 52.5 24.8
4.7 2.8 1.2 1.0 83.6 10.3
3.7 2.5 0.6 0.4 89.9 14.5
4.9 3.3 0.8 0.6 73.4 17.6
5.7 3.7 0.9 0.7 71.6 12.3
4.7 2.8 1.1 1.0 79.4 14.4
0.9 0.6 0.1 - 104.9 16.0
2.9 1.6 0.7 0.8 103.1 14.0
5.7 3.3 0.6 0.4 70.7 11.4
4.6 3.0 1.4 1.2 82.6 14.5
3.3 2.3 0.9 0.8 96.1 16.3
4.7 3.0 0.9 0.7 77.9 15.8
4.5 2.8 0.9 0.7 83.7 12.5
5.8 3.1 1.3 0.8 56.8 16.8
2.2 1.5 0.3 0.2 91.2 18.8
4.2 2.7 0.6 0.5 67.2 10.4
5.4 3.5 1.6 1.3 90.2 11.5
2.8 1.9 0.3 0.1 82.1 18.3
4.8 2.8 0.4 0.2 70.2 10.8
4.3 2.7 1.1 0.9 82.7 13.5
4.5 3.0 1.0 0.8 87.2 16.1
3.8 2.4 0.6 0.4 88.5 13.5
7.6 4.3 2.7 2.3 68.0 15.4
3.3 1.8 0.6 0.5 92.0 13.6
5.8 3.8 1.0 0.8 78.8 13.9
6.5 3.2 1.1 0.8 56.4 14.5
3.8 2.2 0.3 0.0 51.8 18.8
8.7 3.2 1.1 0.7 56.8 16.0
5.7 3.6 1.0 0.7 63.0 17.0
5.3 2.8 1.3 1.2 45.7 16.4
9.2 4.3 1.8 1.2 60.5 18.0
4.6 2.3 1.3 0.7 51.3 14.5
2.5 1.1 - - 91.0 14.5
2.5 2.0 0.4 0.2 84.8 19.6
1.9 1.5 0.4 0.3 98.4 19.0
4.5 3.2 1.6 1.4 78.0 20.3
1.9 1.2 0.2 0.2 94.0 18.5
2.9 1.9 - - 42.8 3.3
3.9 2.4 1.3 0.9 79.8 12.5
5.6 4.2 1.5 1.0 76.7 17.7
8.5 6.7 3.0 2.6 67.7 15.2
3.1 1.9 0.3 0.2 66.5 8.9
5.7 3.4 1.2 0.9 80.6 10.8
5.2 3.5 1.9 1.6 87.1 10.7
5.5 3.8 1.7 1.4 99.9 13.4
7.8 4.8 3.7 3.6 69.7 10.2
4.9 3.4 1.2 1.0 94.3 12.4
5.5 2.5 0.1 0.1 76.6 26.1
3.6 2.0 0.0 0.1 70.9 18.3
2.3 1.1 0.6 0.2 96.8 12.4
7.6 3.4 3.5 2.4 63.6 23.3
2.3 1.2 0.1 0.0 90.3 15.2
RISK AND LIQUIDITY
Indicator Definitions
INSTITUTIONAL CHARACTERISTICS
Number of MFIs Sample Size of Group
Age Years Functioning as an MFI
Total Assets Total Assets, adjusted for Inflation and standardized provisioning for loan impairment and write-offs
Offices Number, including head office
Personnel Total number of staff members
FINANCING STRUCTURE
Capital/ Asset Ratio Adjusted Total Equity/ Adjusted Total Assets
Debt to Equity Adjusted Total Liabilities/ Adjusted Total Equity
Deposits to Loans Deposits/ Adjusted Gross Loan Portfolio
Deposits to Total Assets Deposits/ Adjusted Total Assets
Portfolio to Assets Adjusted Gross Loan Portfolio/ Adjusted Total Assets
OUTREACH INDICATORS
Number of Active Borrowers Number of borrowers with loans outstanding, adjusted for standardized write-offs
Percent of Women Borrowers Number of active women borrowers/ Adjusted Number of Active Borrowers
Number of Loans Outstanding Number of loans outstanding, adjusted for standardized write-offs
Gross Loan Portfolio Gross Loan Portfolio, adjusted for standardized write-offs
Average Loan Balance per Borrower Adjusted Gross Loan Portfolio/ Adjusted Number of Active Borrowers
Average Loan Balance per Borrower/ GNI per Capita Adjusted Average Loan Balance per Borrower/ GNI per Capita
Average Outstanding Balance Adjusted Gross Loan Portfolio/ Adjusted Number of Loans Outstanding
Average Outstanding Balance/ GNI per Capita Adjusted Average Outstanding Balance/ GNI per Capita
Number of Depositors Number of depositors with any type of deposit account
Number of Deposit Accounts Number of all deposit accounts
Deposits Total value of all deposit accounts
Average Deposit Balance per Depositor Deposits/ Number of Depositors
Average Deposit Balance per Depositor/ GNI per
capita
Average Deposit Balance per Depositor/ GNI per capita
Average Deposit Account Balance Depositors/ Number of Deposit Accounts
Average Deposit Account Balance/ GNI per capita Average Deposit Account Balance/ GNI per capita
MACROECONOMIC INDICATORS
GNI per Capita Total income generated by a country's residents, irrespective of location / Total number of residents
(World Development Indicators) GDP Growth Rate Annual growth in the total output of goods and services occurring within the territory of a given country
Deposit Rate Interest rate offered to resident customers for demand, time, or savings deposits (IMF/International
Financial Statistics)
Inflation Rate Annual change in average consumer prices (IMF/International Financial Statistics)
Financial Depth Money aggregate including currency, deposits and electronic currency (M3) / GDP, measuring the
monetization of the economy (IMF/International Financial Statistics)
OVERALL FINANCIAL PERFORMANCE
Return on Assets (Adjusted Net Operating Income - Taxes)/ Adjusted Average Total Assets
Return on Equity (Adjusted Net Operating Income - Taxes)/ Adjusted Average Total Equity
Operational Self-Sufficiency Financial Revenue/ (Financial Expense + Impairment Losses on Loans + Operating Expense)
Financial Self-Sufficiency Adjusted Financial Revenue/ Adjusted (Financial Expense + Impairment Losses on Loans + Operating
Expense)
REVENUES
Financial Revenue/ Assets Adjusted Financial Revenue/ Adjusted Average Total Assets
Profit Margin Adjusted Net Operating Income/ Adjusted Financial Revenue
Yield on Gross Portfolio (nominal) Adjusted Financial Revenue from Loan Portfolio/ Adjusted Average Gross Loan Portfolio
Yield on Gross Portfolio (real) (Adjusted Yield on Gross Portfolio (nominal) - Inflation Rate)/ (1 + Inflation Rate)
EXPENSES
Total Expense/ Assets Adjusted (Financial Expense + Net Impairment Loss + Operating Expense) / Adjusted Average Total
Assets
Financial Expense/ Assets Adjusted Financial Expense/ Adjusted Average Total Assets
Provision for Loan Impairment/ Assets Adjusted Impairment Losses on Loans/ Adjusted Average Total Assets
Operating Expense/ Assets Adjusted Operating Expense/ Adjusted Average Total Assets
Personnel Expense/ Assets Adjusted Personnel Expense/ Adjusted Average Total Assets
Administrative Expense/ Assets Adjusted Administrative Expense/ Adjusted Average Total Assets
Adjustment Expense/ Assets (Unadjusted Net Operating Income - Adjusted Net Operating Income)/ Adjusted Average Total Assets
EFFICIENCY
Operating Expense/ Loan Portfolio Adjusted Operating Expense/ Adjusted Average Gross Loan Portfolio
Personnel Expense/ Loan Portfolio Adjusted Personnel Expense/ Adjusted Average Gross Loan Portfolio
Average Salary/ GNI per Capita Adjusted Average Personnel Expense/ GNI per capita
Cost per Borrower Adjusted Operating Expense/ Adjusted Average Number of Active Borrowers
Cost per Loan Adjusted Operating Expense/ Adjusted Average Number of Loans
PRODUCTIVITY
Borrowers per Staff Member Adjusted Number of Active Borrowers/ Number of Personnel
Loans per Staff Member Adjusted Number of Loans Outstanding/Number of Personnel
Borrowers per Loan Officer Adjusted Number of Active Borrowers/ Number of Loan Officers
Loans per Loan Officer Adjusted Number of Loans Outstanding/ Number of Loan Officers
Depositors per Staff Member Number of Depositors/ Number of Personnel
Deposit Accounts per Staff Member Number of Deposit Accounts/ Number of Personnel
Personnel Allocation Ratio Number of Loan Officers/ Number of Personnel
RISK AND LIQUIDITY
Portfolio at Risk > 30 Days Outstanding balance, portfolio overdue> 30 Days + renegotiated portfolio/ Adjusted Gross Loan Portfolio
Portfolio at Risk > 90 Days Outstanding balance, portfolio overdue> 90 Days + renegotiated portfolio/ Adjusted Gross Loan Portfolio
Write-off Ratio Adjusted Value of loans written-off/ Adjusted Average Gross Loan Portfolio
Loan Loss Rate (Adjusted Write-offs - Value of Loans Recovered)/ Adjusted Average Gross Loan Portfolio
Risk Coverage Ratio Adjusted Impairment Loss Allowance/ PAR > 30 Days
Non-earning Liquid Assets as a % of Total Assets Adjusted Cash and banks/ Adjusted Total Assets
MFI COUNTRY Year: Data Quality
Grade:
Age Charter Type: Financial
Intermediation
Methodology: Outreach Profit Status Region: Scale Target Market:
DEPROSC-Nepal Nepal 2009 ** Mature NGO Low FI Solidarity Large (Outreach) Not for Profit Asia Medium (Scale) Broad
CredAgro NBCO Azerbaijan 2009 ** Mature NBFI Non FI Individual Medium (Outreach) Not for Profit ECA Large (Scale) Broad
Capitec Bank South Africa 2009 ** Young Bank High FI Large (Outreach) Profit Africa Large (Scale) Low end
AFS Afghanistan 2009 * Young NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Medium (Scale) Broad
Mahasemam India 2009 *** Mature NBFI High FI Village Banking Large (Outreach) Profit Asia Large (Scale) Low end
RGVN India 2009 ** Mature NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
Arthacharya Sri Lanka 2009 ** Mature NGO High FI Individual Medium (Outreach) Not for Profit Asia Small (Scale) Low end
Pustikar India 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit Asia Large (Scale) High end
KBSLAB India 2009 ** Mature Rural Bank High FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
SHARE India 2009 ** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
SCNL India 2009 ** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
Sarvodaya Nano Finance India 2009 ** Mature NBFI Non FI Individual Large (Outreach) Profit Asia Large (Scale) Low end
Kotalipara India 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Medium (Scale) Low end
Cashpor MC India 2009 *** Mature NGO Non FI Village Banking Large (Outreach) Not for Profit Asia Large (Scale) Low end
Spandana India 2009 ** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
CETZAM Zambia 2009 * Mature NBFI Low FI Individual/ Solidarity Small (Outreach) Profit Africa Medium (Scale) Broad
FINCORP Swaziland 2009 * Mature NBFI High FI Small (Outreach) Profit Africa Large (Scale) Small Business
Sanghamithra India 2009 ** Mature NGO Non FI Village Banking Large (Outreach) Not for Profit Asia Large (Scale) Low end
GV India 2009 *** Mature NBFI Non FI Individual Large (Outreach) Profit Asia Large (Scale) Low end
VFS India 2009 *** New NBFI Non FI Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
GFSPL India 2009 ** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
SKS India 2009 ** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
Lak Jaya Sri Lanka 2009 ** Young High FI Individual Large (Outreach) Profit Asia Medium (Scale) Low end
Bandhan India 2009 *** Young NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
PWMACS India 2009 ** Mature Credit Union Low FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Medium (Scale) Low end
Janodaya India 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit Asia Small (Scale) Low end
WWI - AFG Afghanistan 2009 * Young NBFI Non FI Individual/ Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Broad
BASIX India 2009 ** Mature NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
VSSU India 2009 ** Mature NGO High FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
SMSS India 2009 *** Mature NGO Non FI Village Banking Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
BISWA India 2009 ** Mature NGO Non FI Village Banking Large (Outreach) Not for Profit Asia Large (Scale) Low end
SEEDS Sri Lanka 2009 ** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
HOPE Ukraine 2009 ** Mature NBFI Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
MoFAD Afghanistan 2009 * Young NBFI Low FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Broad
ASKI Philippines 2009 ** Mature NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
IDF Bangladesh 2009 ** Mature NGO High FI Solidarity Large (Outreach) Not for Profit Asia Medium (Scale) Low end
SDC Bangladesh 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Medium (Scale) Low end
CDIP Bangladesh 2009 ** Mature NGO High FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Broad
ASODENIC Nicaragua 2009 * Mature NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit LAC Medium (Scale) Low end
RIC Bangladesh 2009 ** Mature NGO High FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
JCF Bangladesh 2009 ** Mature NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
ACME Haiti 2009 * Mature NGO Non FI Individual Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
UDDIPAN Bangladesh 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Large (Scale) Broad
OCSSCO Ethiopia 2009 * Mature NBFI High FI Solidarity Large (Outreach) Profit Africa Large (Scale) Broad
TMSS Bangladesh 2009 ** Mature NGO High FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
Wave Bangladesh 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Medium (Scale) Low end
NeRuDO Nepal 2009 ** Mature NGO Low FI Solidarity Small (Outreach) Profit Asia Small (Scale) Low end
TSPI Philippines 2009 ** Mature NGO High FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
RRF Bangladesh 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Large (Scale) Low end
SSS Bangladesh 2009 ** Mature NGO High FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Broad
BEES Bangladesh 2009 ** Mature NGO High FI Solidarity Large (Outreach) Not for Profit Asia Medium (Scale) Low end
CRYSOL Guatemala 2009 *** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
CBB Nepal 2009 ** Young Rural Bank High FI Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
PGBB Nepal 2009 ** Mature Rural Bank Low FI Individual/ Solidarity Large (Outreach) Profit Asia Medium (Scale) Broad
DD Bank Nepal 2009 ** Young NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Medium (Scale) Broad
GBNB Nepal 2009 ** Mature Rural Bank Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
NRDSC Nepal 2009 ** Mature Bank High FI Solidarity Large (Outreach) Profit Asia Medium (Scale) Low end
JSCCS Nepal 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit Asia Small (Scale) Broad
FORWARD Nepal 2009 ** Young NGO High FI Individual Large (Outreach) Not for Profit Asia Medium (Scale) Low end
JVS Nepal 2009 ** Mature NBFI High FI Solidarity Large (Outreach) Profit Asia Medium (Scale) Low end
SB Bank Nepal 2009 ** Young NBFI High FI Individual Large (Outreach) Profit Asia Large (Scale) Low end
Grade:
Intermediation
Nirdhan Nepal 2009 ** Mature Bank High FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
FINCA - UGA Uganda 2009 ** Mature NBFI High FI Village Banking Large (Outreach) Profit Africa Large (Scale) Broad
FINCA - AFG Afghanistan 2009 * Young NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Broad
FINCA - GEO Georgia 2009 ** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Not for Profit ECA Large (Scale) Low end
FINCA - Russia Russia 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Large (Scale) Broad
FMCC Kyrgyzstan 2009 ** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Profit ECA Large (Scale) Broad
FINCA - AZE Azerbaijan 2009 ** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Profit ECA Large (Scale) Low end
FINCA - MWI Malawi 2009 ** Mature NGO Low FI Village Banking Medium (Outreach) Not for Profit Africa Medium (Scale) Broad
FINCA - KOS Kosovo 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit ECA Large (Scale) Broad
FINCA - TZA Tanzania 2009 ** Mature NGO Low FI Village Banking Large (Outreach) Not for Profit Africa Medium (Scale) Broad
FINCA - ZMB Zambia 2009 ** Young NBFI Low FI Village Banking Medium (Outreach) Profit Africa Medium (Scale) Low end
FINCA - ARM Armenia 2009 ** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Not for Profit ECA Large (Scale) Broad
FINCA - HTI Haiti 2009 * Mature NGO Low FI Village Banking Medium (Outreach) Not for Profit LAC Small (Scale) Broad
FINCA - DRC Congo, Democratic Republic of the 2009 ** Young NGO High FI Village Banking Large (Outreach) Not for Profit Africa Large (Scale) Broad
Ameen Lebanon 2009 ** Mature NBFI Non FI Individual Medium (Outreach) Profit MENA Large (Scale) Low end
FITSE Malawi 2009 * Mature NGO Low FI Village Banking Small (Outreach) Not for Profit Africa Small (Scale) Low end
KADET Kenya 2009 *** Mature NBFI High FI Individual/ Solidarity Medium (Outreach) Profit Africa Medium (Scale) Broad
MEMCO Jordan 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit MENA Large (Scale) Broad
CREDO Georgia 2009 *** Mature NBFI Non FI Individual Medium (Outreach) Not for Profit ECA Large (Scale) Broad
Fundusz Mikro Poland 2009 ** Mature NBFI Non FI Individual Medium (Outreach) Not for Profit ECA Large (Scale) Broad
SOGESOL Haiti 2009 ** Mature NBFI Non FI Individual Medium (Outreach) Profit LAC Medium (Scale) Broad
MED-Net Uganda 2009 ** Mature NGO Low FI Village Banking Small (Outreach) Not for Profit Africa Small (Scale) Broad
AGUDESA Guatemala 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
MCN Haiti 2009 ** Mature NBFI Non FI Individual Medium (Outreach) Profit LAC Medium (Scale) High end
LIDER Bosnia and Herzegovina 2009 ** Young NBFI Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
ACF Kazakhstan 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Medium (Scale) Low end
Sabaragamuwa Sri Lanka 2009 * Mature NBFI High FI Individual Large (Outreach) Profit Asia Large (Scale) Low end
CODESARROLLO Ecuador 2009 *** Mature Credit Union High FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Large (Scale) Broad
BRAC - AFG Afghanistan 2009 * Young NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Broad
MLO HUMO Tajikistan 2009 ** Young NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Medium (Scale) Broad
Nor Horizon Armenia 2009 ** Young NBFI Non FI Individual Small (Outreach) Profit ECA Medium (Scale) Broad
NMF Yemen 2009 ** Young NGO Low FI Individual/ Solidarity Medium (Outreach) Not for Profit MENA Small (Scale) Low end
WDFH Sri Lanka 2009 ** Mature NGO High FI Village Banking Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
USTOI Bulgaria 2009 * Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
ICC BluSol Brazil 2009 *** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
ASIDME Peru 2009 * Mature NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
FUNDECOCA Costa Rica 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
Al Majmoua Lebanon 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit MENA Large (Scale) Low end
FAMA OPDF Honduras 2009 ** Mature NBFI Low FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
COOPAC San Martn Peru 2009 * Mature Credit Union High FI Individual Medium (Outreach) Not for Profit LAC Large (Scale) Broad
FONDECO Bolivia 2009 ** Mature NGO Non FI Village Banking Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
EDPYME Acceso Crediticio Peru 2009 * Young NBFI Non FI Individual Small (Outreach) Profit LAC Medium (Scale) Broad
Fundacin Espoir Ecuador 2009 *** Mature NGO Non FI Village Banking Large (Outreach) Not for Profit LAC Large (Scale) Low end
PRESTANIC Nicaragua 2009 ** Mature NGO Non FI Village Banking Medium (Outreach) Not for Profit LAC Large (Scale) Broad
FinDev Azerbaijan 2009 ** Young NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Medium (Scale) Broad
FUCEC Togo Togo 2009 * Mature Credit Union High FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) High end
AMC de R.L. El Salvador 2009 *** Young NBFI Non FI Individual Medium (Outreach) Profit LAC Large (Scale) Broad
FMFB - TJK Tajikistan 2009 ** Young Bank High FI Individual/ Solidarity Medium (Outreach) Profit ECA Large (Scale) Small Business
BZMF Kosovo 2009 *** Mature NGO Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) High end
UCEC/MK Chad 2009 ** Mature Credit Union High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Medium (Scale) Broad
FUNDESER Nicaragua 2009 *** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit LAC Large (Scale) Broad
MLF ZAR Tajikistan 2009 * Young NBFI Non FI Individual Small (Outreach) Profit ECA Small (Scale) Broad
FINCA - PER Peru 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Small (Scale) Low end
Al Tadamun Egypt 2009 ** Mature NGO Non FI Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
ProCredit - GHA Ghana 2009 ** Young NBFI High FI Individual Medium (Outreach) Profit Africa Large (Scale) High end
Centenary Bank Uganda 2009 * Mature Bank High FI Large (Outreach) Profit Africa Large (Scale) Small Business
ARDCI Philippines 2009 ** Mature NGO High FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
AYNLA Guatemala 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
ProCredit Bank - UKR Ukraine 2009 ** Young Bank High FI Individual Medium (Outreach) Profit ECA Large (Scale) Small Business
Faulu - KEN Kenya 2009 * Mature NBFI High FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) Broad
BASTOB Bangladesh 2009 ** Mature NGO High FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Broad
Grade:
Intermediation
OMRO Romania 2009 ** Mature NBFI Non FI Individual Small (Outreach) Not for Profit ECA Large (Scale) Broad
Vital Finance Benin 2009 ** Mature NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Large (Scale) Broad
Azal Yemen 2009 * Young NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit MENA Small (Scale) Low end
Sungi Pakistan 2009 ** Mature NGO Non FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
BanGente Venezuela 2009 ** Mature Bank High FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) Broad
AMOS Morocco 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit MENA Small (Scale) Low end
Lazika Capital Georgia 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Medium (Scale) Broad
OIBM Malawi 2009 ** Young Bank High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) High end
CSS Bangladesh 2009 ** Mature NGO High FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
Kompanion Kyrgyzstan 2009 ** Young NBFI Non FI Individual/ Solidarity Large (Outreach) Not for Profit ECA Large (Scale) Broad
Mikrofond Bulgaria 2009 ** Mature NBFI Non FI Small (Outreach) Profit ECA Medium (Scale) Broad
CMAC Tacna Peru 2009 * Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
Metemamen Ethiopia 2009 ** Young NBFI Low FI Village Banking Medium (Outreach) Profit Africa Small (Scale) Low end
FMSD Colombia 2009 * Mature NGO Non FI Individual Medium (Outreach) Not for Profit LAC Large (Scale) Broad
PADME Benin 2009 ** Mature NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) Broad
ProCredit Bank - KOS Kosovo 2009 ** Mature Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) Small Business
DINARI Indonesia 2009 ** Mature NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
BancoSol Bolivia 2009 *** Mature Bank High FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) High end
FINCA - MEX Mexico 2009 ** Mature NGO Non FI Village Banking Large (Outreach) Not for Profit LAC Large (Scale) Low end
FATEN Palestine 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit MENA Large (Scale) Broad
FULM Macedonia 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
BANEX Nicaragua 2009 ** Mature Bank High FI Individual Medium (Outreach) Profit LAC Large (Scale) Small Business
PAPME Benin 2009 * Mature NGO High FI Individual Small (Outreach) Not for Profit Africa Large (Scale) High end
ARDI Morocco 2009 * Young NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
World Relief - HND Honduras 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
CMAC Maynas Peru 2009 * Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
Financiera Fama Nicaragua 2009 ** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit LAC Large (Scale) Broad
Interfisa Financiera Paraguay 2009 ** Mature NBFI High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
Lead Foundation Egypt 2009 ** Young NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
CDRO Guatemala 2009 ** Mature NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Medium (Scale) Broad
ASA Bangladesh 2009 * Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Large (Scale) Low end
FinComn Mexico 2009 ** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) Low end
Banco FIE Bolivia 2009 *** Mature Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
Banco Solidario Ecuador 2009 *** Mature Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
CompartamosBanco Mexico 2009 *** Mature Bank Non FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) Low end
PRIDE - UGA Uganda 2009 * Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) Broad
BURO Bangladesh Bangladesh 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Large (Scale) Low end
Sunrise Bosnia and Herzegovina 2009 * Mature NBFI Non FI Medium (Outreach) Not for Profit ECA Large (Scale) Broad
ACLEDA Cambodia 2009 ** Mature Bank High FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Small Business
Financiera Crear Peru 2009 *** Mature NBFI Non FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
MI-BOSPO Bosnia and Herzegovina 2009 *** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Not for Profit ECA Large (Scale) Broad
Cantilan Bank Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Medium (Outreach) Profit Asia Large (Scale) Broad
Tamweelcom Jordan 2009 * Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
Fundacin CAMPO El Salvador 2009 *** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
MECREF Niger 2009 * Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Small Business
FODEM Nicaragua 2009 ** Young NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
ASPIRE Dominican Republic 2009 * Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
FINCA - TJK Tajikistan 2009 ** Young NBFI Low FI Individual/ Solidarity Medium (Outreach) Profit ECA Medium (Scale) Broad
TPC Cambodia 2009 ** Mature NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
ODEF Financiera Honduras 2009 *** Mature NBFI Low FI Individual/ Solidarity Medium (Outreach) Profit LAC Large (Scale) Broad
Financiera Independencia Mexico 2009 ** Mature NBFI Non FI Individual Large (Outreach) Profit LAC Large (Scale) Low end
ADRI Costa Rica 2009 *** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Small Business
NWTF Philippines 2009 ** Mature NGO High FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
MLO Mehnatobod Tajikistan 2009 ** Young NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
KAMURJ Armenia 2009 ** Mature NBFI Non FI Solidarity Medium (Outreach) Not for Profit ECA Large (Scale) Broad
IDH Honduras 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
Visin Banco Paraguay 2009 ** Mature Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) High end
BanCovelo Honduras 2009 ** Mature Bank High FI Individual/ Solidarity Medium (Outreach) Profit LAC Large (Scale) High end
ABA Egypt 2009 ** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
SEAP Nigeria 2009 * Mature NGO High FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) Low end
RCPB Burkina Faso 2009 * Mature Credit Union High FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) High end
Grade:
Intermediation
CMAC Arequipa Peru 2009 *** Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
Interactuar Colombia 2009 ** Mature NGO Non FI Individual Medium (Outreach) Not for Profit LAC Large (Scale) Broad
BOM Mozambique 2009 * New Bank High FI Individual/ Solidarity Small (Outreach) Profit Africa Medium (Scale) Broad
PRASAC Cambodia 2009 ** Mature NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
MiBanco Peru 2009 *** Mature Bank High FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) Broad
Banco ADEMI Dominican Republic 2009 ** Mature Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
PRODEM FFP Bolivia 2009 *** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) High end
Pro Mujer - BOL Bolivia 2009 *** Mature NGO Non FI Village Banking Large (Outreach) Not for Profit LAC Large (Scale) Broad
SOCREMO Mozambique 2009 * Mature Bank Medium (Outreach) Profit Africa Large (Scale) Small Business
Fundacin Nieborowski Nicaragua 2009 * Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
CMAC Ica Peru 2009 ** Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
FAFIDESS Guatemala 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
HKL Cambodia 2009 ** Mature NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
ProCredit Bank - ALB Albania 2009 ** Mature Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) High end
ECLOF - ARM Armenia 2009 ** New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
ADRA - PER Peru 2009 *** Mature NGO Non FI Village Banking Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
BRAC Bangladesh 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Large (Scale) Low end
ASDIR Guatemala 2009 *** Mature NGO High FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
AGAPE Colombia 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
Bangko Kabayan Philippines 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Large (Scale) High end
1st Valley Bank Philippines 2009 ** Mature Rural Bank High FI Individual Large (Outreach) Profit Asia Large (Scale) Broad
FUNSALDE El Salvador 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
FMFB - Pakistan Pakistan 2009 ** Young NBFI High FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
Partner Bosnia and Herzegovina 2009 ** Mature NBFI Non FI Individual Large (Outreach) Not for Profit ECA Large (Scale) Broad
Alternativa Russia 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Low end
Contactar Colombia 2009 *** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
Akiba Tanzania 2009 ** Mature Bank High FI Individual/ Solidarity Medium (Outreach) Profit Africa Large (Scale) Small Business
ACSI Ethiopia 2009 ** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) Broad
COAC Jardn Azuayo Ecuador 2009 *** Mature Credit Union High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
Women for Women Bosnia and Herzegovina 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Large (Scale) Broad
Khushhali Bank Pakistan 2009 ** Mature NBFI Low FI Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
SAT Ghana 2009 ** Mature NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) Broad
SABR Uzbekistan 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
CMS Senegal 2009 * Mature Credit Union High FI Individual Large (Outreach) Not for Profit Africa Large (Scale) High end
D-Miro Ecuador 2009 *** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Large (Scale) Low end
FUNDESPE Guatemala 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
Manuela Ramos Peru 2009 *** Mature NGO Non FI Village Banking Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
CMAC Sullana Peru 2009 *** Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
Opportunity Uganda Uganda 2009 * Mature NBFI High FI Individual/ Solidarity Medium (Outreach) Profit Africa Large (Scale) Broad
INMAA Morocco 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit MENA Medium (Scale) Low end
FIELCO Paraguay 2009 ** Mature NBFI High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
Imkoniyat Hovar Tajikistan 2009 * Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
CEAPE MA Brazil 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Large (Scale) Low end
Bereke Kazakhstan 2009 ** Young NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Medium (Scale) Low end
FINCA - HND Honduras 2009 ** Mature NBFI Low FI Village Banking Medium (Outreach) Profit LAC Medium (Scale) Broad
CCA Cameroon 2009 * Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) Broad
CEP Vietnam 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Large (Scale) Broad
Wasasa Ethiopia 2009 ** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit Africa Medium (Scale) Low end
EDAPROSPO Peru 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
DEF Jordan 2009 ** Mature Other Non FI Individual Medium (Outreach) Not for Profit MENA Large (Scale) Broad
Banco da Famlia Brazil 2009 *** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Low end
KSK RPK Bulgaria 2009 ** Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Small Business
ProCredit Bank - MKD Macedonia 2009 ** Young Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) Broad
CARD Bank Philippines 2009 ** Mature Rural Bank High FI Individual Large (Outreach) Profit Asia Large (Scale) Low end
ProCredit - SLV El Salvador 2009 * Mature Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
ACBA Armenia 2009 ** Mature Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) Broad
PRODESA Nicaragua 2009 ** Mature NGO Non FI Individual Medium (Outreach) Not for Profit LAC Large (Scale) Broad
Normicro Azerbaijan 2009 * Mature NBFI Small (Outreach) Not for Profit ECA Large (Scale) Broad
RDRS Bangladesh 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Large (Scale) Low end
MDF Serbia 2009 * Young NGO Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
EDPYME Alternativa Peru 2009 *** Young NBFI Non FI Individual Medium (Outreach) Profit LAC Large (Scale) Broad
Grade:
Intermediation
Otiv Diana Madagascar 2009 * Young Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) High end
UOB Rwanda 2009 ** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Medium (Scale) Broad
FODEMI Ecuador 2009 *** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
MFW Jordan 2009 * Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
DSPI Philippines 2009 * Mature NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
FINSOL Honduras 2009 ** Mature NBFI High FI Individual/ Solidarity Small (Outreach) Profit LAC Large (Scale) High end
SEF-ARM Armenia 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Medium (Scale) Broad
CEPRODEL Nicaragua 2009 ** Mature NGO Low FI Individual Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
ACEP Senegal Senegal 2009 * Mature Credit Union Low FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) High end
Progresar Argentina 2009 ** Young NGO Non FI Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
FICO Philippines 2009 ** Mature Rural Bank High FI Medium (Outreach) Profit Asia Large (Scale) Broad
Equity Bank Kenya 2009 ** Mature Bank High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) Broad
RB Solano Philippines 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Medium (Scale) Broad
CrediAmigo Brazil 2009 ** Mature Bank Non FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) Low end
RB Talisayan Philippines 2009 ** Mature Rural Bank High FI Solidarity Medium (Outreach) Profit Asia Medium (Scale) Low end
MDO Arvand Tajikistan 2009 ** Young NBFI Low FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Medium (Scale) Broad
MBK Ventura Indonesia 2009 ** Young NGO Low FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
Al Karama Morocco 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit MENA Medium (Scale) Low end
OBS Serbia 2009 ** Young Bank High FI Individual Small (Outreach) Profit ECA Large (Scale) Broad
INSOTEC Ecuador 2009 *** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
Green Bank Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
EKI Bosnia and Herzegovina 2009 ** Mature NBFI Non FI Individual Large (Outreach) Not for Profit ECA Large (Scale) Broad
FONCRESOL Bolivia 2009 ** Mature NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
JSC Bank Constanta Georgia 2009 *** Mature Bank Low FI Individual Medium (Outreach) Profit ECA Large (Scale) Broad
ProCredit Bank - ROM Romania 2009 ** Young Bank High FI Large (Outreach) Profit ECA Large (Scale) Broad
MCO Sator Kazakhstan 2009 * Young NBFI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
FOMIC Costa Rica 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
FINCA - ECU Ecuador 2009 *** Mature Bank Low FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) Low end
Fundacin MICROS Guatemala 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
FAF-DC Albania 2009 ** Mature NBFI Non FI Individual Small (Outreach) Profit ECA Large (Scale) Broad
CCAMETRO El Salvador 2009 ** Mature Credit Union Low FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Large (Scale) Broad
ProCredit Bank - GEO Georgia 2009 ** Mature Bank High FI Large (Outreach) Profit ECA Large (Scale) High end
MIKROFIN Bosnia and Herzegovina 2009 ** Mature NBFI Non FI Individual Large (Outreach) Profit ECA Large (Scale) Broad
CRECER Bolivia 2009 *** Mature NGO Non FI Village Banking Large (Outreach) Not for Profit LAC Large (Scale) Broad
DAMEN Pakistan 2009 ** Mature NGO Non FI Solidarity Large (Outreach) Not for Profit Asia Medium (Scale) Low end
BancoEstado Chile 2009 ** Mature Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
AMSSF/MC Morocco 2009 * Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit MENA Medium (Scale) Low end
Opportunity Albania Albania 2009 ** Mature NBFI Non FI Individual Medium (Outreach) Not for Profit ECA Large (Scale) Broad
FBPMC Morocco 2009 * Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Broad
TSKI Philippines 2009 * Mature NGO High FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
ENLACE El Salvador 2009 ** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
Hluvuku Mozambique 2009 ** Young NGO Low FI Individual Small (Outreach) Not for Profit Africa Small (Scale) Broad
FECECAM Benin 2009 ** Mature Credit Union High FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) Broad
KSF Ghana 2009 ** Mature NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Low end
MIDE Peru 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
AMRET Cambodia 2009 ** Mature NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
Aiyl Bank Kyrgyzstan 2009 ** Mature Bank Low FI Individual/ Solidarity Large (Outreach) Profit ECA Large (Scale) High end
Equity Uganda Uganda 2009 ** Mature Bank Large (Outreach) Profit Africa Large (Scale) High end
Parwaz Afghanistan 2009 * Young NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Broad
MIKRA Bosnia and Herzegovina 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Large (Scale) Broad
ROMCOM Romania 2009 * Mature NGO Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Small Business
CEF Russia 2009 * Mature NBFI Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
ADICH Honduras 2009 ** Mature NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
SINERGIJA Bosnia and Herzegovina 2009 ** Mature NBFI Non FI Individual Small (Outreach) Not for Profit ECA Large (Scale) Broad
KEP Kosovo 2009 ** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Not for Profit ECA Large (Scale) High end
LOK Microcredit Foundation Bosnia and Herzegovina 2009 * Mature NBFI Non FI Large (Outreach) Not for Profit ECA Large (Scale) Broad
Moznosti Macedonia 2009 * Mature Credit Union Low FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Large (Scale) Broad
CAPPED Congo, Republic of the 2009 ** Mature NGO High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Medium (Scale) Broad
Inicjatywa Mikro Poland 2009 * Mature NBFI Non FI Individual Small (Outreach) Profit ECA Large (Scale) Broad
CMEDFI Philippines 2009 ** Mature NGO High FI Individual Small (Outreach) Not for Profit Asia Small (Scale) Low end
COAC Sac Aiet Ecuador 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
Grade:
Intermediation
RB Digos Philippines 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Medium (Scale) Broad
Oportunidad Microfinanzas Mexico 2009 * Young NBFI Non FI Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
OISL Ghana 2009 * Young NBFI High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) Broad
MAYA Turkey 2009 * Young NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Low end
TIAVO Madagascar 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit Africa Small (Scale) Broad
Fundacin Paraguaya Paraguay 2009 *** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit LAC Medium (Scale) Low end
LAPO-NGR Nigeria 2009 ** Mature NGO High FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) Low end
FMM Popayn Colombia 2009 ** Mature NGO Non FI Village Banking Large (Outreach) Not for Profit LAC Large (Scale) Low end
Otiv Alaotra Madagascar 2009 * Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Medium (Scale) High end
CBMO Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Medium (Outreach) Profit Asia Large (Scale) Broad
MILAMDEC Philippines 2009 ** Mature NGO High FI Individual Medium (Outreach) Not for Profit Asia Small (Scale) Low end
FONDEP Morocco 2009 * Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
COAC MCCH Ecuador 2009 *** Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
COAST Trust Bangladesh 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Medium (Scale) Low end
KPOSB Kenya 2009 ** Mature Bank High FI Small (Outreach) Profit Africa Small (Scale)
Mikro ALDI Bosnia and Herzegovina 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Medium (Scale) Broad
Fundacin Len 2000 Nicaragua 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Medium (Scale) Broad
FORUS Russia 2009 ** Mature Bank Low FI Individual Small (Outreach) Profit ECA Large (Scale) Broad
Kondo Jigima Mali 2009 * Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Large (Scale) High end
CESOL ACJ Ecuador 2009 *** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
CZWSDA China, People's Republic of 2009 ** Young NGO Low FI Individual Small (Outreach) Not for Profit Asia Small (Scale) Low end
Bangko Mabuhay Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Small (Outreach) Profit Asia Medium (Scale) Broad
Credi F Ecuador 2009 ** Mature NBFI Non FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
ACAD Palestine 2009 * Mature NGO Non FI Individual Small (Outreach) Profit MENA Medium (Scale) Broad
IMON Tajikistan 2009 ** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit ECA Large (Scale) High end
KMF Kazakhstan 2009 ** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit ECA Large (Scale) Low end
NMFB Pakistan 2009 ** New NBFI High FI Individual/ Solidarity Small (Outreach) Profit Asia Small (Scale) Broad
OLC Colombia 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
FINADEV Benin 2009 * Young NBFI Low FI Small (Outreach) Not for Profit Africa Medium (Scale) Broad
ECLOF - ECU Ecuador 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
ProCredit Bank Serbia Serbia 2009 ** Young Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) Broad
KFOND Kazakhstan 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
AFK Kosovo 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit ECA Large (Scale) High end
CCC Ecuador 2009 ** Mature NGO Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
ProCredit - ECU Ecuador 2009 ** Young Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
Otiv Tana Madagascar 2009 ** Mature Credit Union High FI Village Banking Small (Outreach) Not for Profit Africa Medium (Scale) High end
PRIZMA Bosnia and Herzegovina 2009 ** Mature NBFI Non FI Large (Outreach) Not for Profit ECA Large (Scale) Broad
MC Cameroon 2009 * Mature Credit Union High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Large (Scale) Broad
Soro Yiriwaso Mali 2009 ** Mature NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Medium (Scale) Low end
COAC San Jos Ecuador 2009 *** Mature Credit Union High FI Village Banking Small (Outreach) Not for Profit LAC Large (Scale) Broad
Pride Finance Guinea 2009 * Mature NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Broad
Caja Popular Mexicana Mexico 2009 ** Mature Credit Union High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
KRK Ltd Kosovo 2009 ** Mature NBFI Non FI Individual Small (Outreach) Not for Profit ECA Large (Scale) High end
PRIDE - TZA Tanzania 2009 ** Mature NGO High FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) Broad
Kapital Plus Uzbekistan 2009 * Young NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
CMAC Paita Peru 2009 * Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
FMFB - AFG Afghanistan 2009 * Young Bank High FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) High end
K-Rep Kenya 2009 ** Mature Bank High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) High end
CREDIT Cambodia 2009 ** Mature NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
COOPAC Santo Cristo Peru 2009 ** Mature Credit Union High FI Individual Medium (Outreach) Not for Profit LAC Large (Scale) Broad
Khan Bank Mongolia 2009 ** Mature Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) Broad
FUNDENUSE Nicaragua 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
Fundacin 4i-2000 Nicaragua 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
UNACOOPEC-CI Cote d'Ivoire (Ivory Coast) 2009 * Mature Credit Union High FI Individual Large (Outreach) Not for Profit Africa Large (Scale) Broad
Dian Mandiri Indonesia 2009 ** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Small (Scale) Low end
AMK Cambodia 2009 ** Mature NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
FONDESURCO Peru 2009 *** Mature NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Medium (Scale) Broad
Wisdom Ethiopia 2009 * Mature NBFI Individual/ Solidarity Large (Outreach) Not for Profit Africa Medium (Scale) Low end
SED Thailand 2009 ** Mature NBFI Non FI Small (Outreach) Profit Asia Small (Scale) Low end
Grade:
Intermediation
UNRWA Palestine 2009 ** Mature Other Non FI Individual/ Solidarity Small (Outreach) Not for Profit MENA Large (Scale) Broad
Microinvest Moldova 2009 ** Young NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit ECA Large (Scale) Broad
Rozgar Pakistan 2009 ** Young NBFI High FI Individual Small (Outreach) Profit Asia Small (Scale) Low end
CMAC Trujillo Peru 2009 * Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
U-IMCEC Senegal 2009 ** Young Credit Union High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Large (Scale) Broad
Grameen Bank Bangladesh 2009 ** Mature Bank High FI Large (Outreach) Profit Asia Large (Scale) Low end
VFC Cambodia 2009 ** Young NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
FDL Nicaragua 2009 ** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit LAC Large (Scale) Broad
DBACD Egypt 2009 ** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
PRISMA Peru 2009 *** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
Bai Tushum Kyrgyzstan 2009 ** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Not for Profit ECA Large (Scale) High end
Zakoura Morocco 2009 * Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
CRG Guinea 2009 * Mature Bank High FI Individual/ Solidarity Large (Outreach) Profit Africa Medium (Scale) Low end
Viator Azerbaijan 2009 ** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Not for Profit ECA Medium (Scale) Low end
FAPE Guatemala 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
ProCredit - NIC Nicaragua 2009 ** Mature Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) High end
CECAM Madagascar 2009 * Mature Credit Union Low FI Individual Medium (Outreach) Not for Profit Africa Large (Scale) Broad
Pro Mujer - MEX Mexico 2009 * Young NGO High FI Village Banking Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
Gnesis Empresarial Guatemala 2009 ** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit LAC Large (Scale) Low end
CVECA BM Burkina Faso 2009 * Young NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Small (Scale) Low end
Finance Trust Uganda 2009 ** Mature NBFI High FI Individual/ Solidarity Medium (Outreach) Profit Africa Large (Scale) High end
Actuar Tolima Colombia 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Low end
EDPYME Proempresa Peru 2009 *** Mature NBFI Non FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
EcoFuturo FFP Bolivia 2009 *** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) Broad
AgroCapital Bolivia 2009 *** Mature NGO Non FI Village Banking Medium (Outreach) Not for Profit LAC Large (Scale) Broad
New RB of Victorias Philippines 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Small (Scale) Broad
FUNDAHMICRO Honduras 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
ImerCredit Georgia 2009 * Mature NBFI Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
CEPESIU Ecuador 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
KMBI Philippines 2009 ** Mature NGO High FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
CEAPE PE Brazil 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
XacBank Mongolia 2009 ** Mature Bank High FI Individual/ Solidarity Large (Outreach) Profit ECA Large (Scale) Broad
Miselini Mali 2009 * Mature NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Medium (Scale) Broad
FUNDEA Guatemala 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
Kafo Jiginew Mali 2009 * Mature Credit Union High FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) Broad
ADIM Nicaragua 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
FUDEMI Nicaragua 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
Sathapana Limited Cambodia 2009 ** Mature NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
EDPYME Solidaridad Peru 2009 ** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit LAC Large (Scale) Broad
OXUS - TJK Tajikistan 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Medium (Scale) Broad
AgroInvest Serbia 2009 ** Mature NBFI Non FI Individual Large (Outreach) Profit ECA Large (Scale) Broad
MBT Zambia 2009 ** Mature NBFI Low FI Individual/ Solidarity Medium (Outreach) Profit Africa Small (Scale) Low end
ESED Egypt 2009 ** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
TYM Vietnam 2009 *** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Broad
CMAC Huancayo Peru 2009 * Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
Otiv SAVA Madagascar 2009 ** Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Broad
RB San Enrique Philippines 2009 ** Mature Rural Bank High FI Village Banking Small (Outreach) Profit Asia Small (Scale) Broad
PAMECAS Senegal 2009 ** Mature Credit Union High FI Individual Large (Outreach) Not for Profit Africa Large (Scale) Broad
Banco Santiago de Libon Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Medium (Outreach) Profit Asia Medium (Scale) Low end
Nachala Bulgaria 2009 ** Mature NBFI Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
Pro Mujer - NIC Nicaragua 2009 *** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Small (Scale) Broad
AccessBank Azerbaijan 2009 ** Young Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) Broad
Financiera Edyficar Peru 2009 *** Mature NBFI Low FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) Broad
CARD NGO Philippines 2009 ** Mature NGO High FI Individual Large (Outreach) Not for Profit Asia Large (Scale) Low end
FUNED Honduras 2009 *** Mature NBFI Low FI Individual/ Solidarity Medium (Outreach) Profit LAC Medium (Scale) Broad
AMA Peru 2009 * Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
CDS Cameroon 2009 ** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) Broad
FinAmrica Colombia 2009 *** Mature NBFI High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
Grade:
Intermediation
Azercredit Azerbaijan 2009 *** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Not for Profit ECA Large (Scale) Low end
Crediscotia Peru 2009 *** Mature NBFI High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
Valiant RB Philippines 2009 ** Mature Rural Bank High FI Individual Medium (Outreach) Profit Asia Large (Scale) Broad
WAGES Togo 2009 ** Mature NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Large (Scale) Small Business
BESA Albania 2009 ** Mature NBFI Non FI Individual Medium (Outreach) Profit ECA Large (Scale) Broad
RCMEC Cote d'Ivoire (Ivory Coast) 2009 * Mature Credit Union High FI Small (Outreach) Not for Profit Africa Small (Scale) Broad
SPBD Samoa 2009 ** Mature NGO Low FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
KixiCredito Angola 2009 * Mature NBFI Low FI Individual/ Solidarity Small (Outreach) Profit Africa Large (Scale) Broad
DEC Nigeria 2009 ** Mature NGO High FI Individual/ Solidarity Large (Outreach) Profit Africa Medium (Scale) Low end
FDM Mozambique 2009 ** Mature NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Broad
COAC Mushuc Runa Ecuador 2009 ** Mature Credit Union High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
SMEP Kenya 2009 ** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) Low end
FINCA - GTM Guatemala 2009 ** Mature NGO Low FI Village Banking Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
ProCredit Bank - BGR Bulgaria 2009 ** Young Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) High end
Financiera Confianza Peru 2009 *** Mature NBFI Non FI Village Banking Large (Outreach) Profit LAC Large (Scale) Broad
Fundacin Mujer Costa Rica 2009 ** Mature NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
CREDIMUJER Costa Rica 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
CBDIBA/RENACA Benin 2009 * Mature NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Medium (Scale) Broad
BCB Philippines 2009 ** Mature Rural Bank High FI Profit Asia Medium (Scale)
Al Amana Morocco 2009 ** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Broad
Azeri Star Azerbaijan 2009 ** Young NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Medium (Scale) Low end
Apoyo Integral El Salvador 2009 *** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit LAC Large (Scale) Broad
ProCredit Bank - BIH Bosnia and Herzegovina 2009 ** Mature Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) Broad
ADOPEM Dominican Republic 2009 *** Mature Bank High FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) Low end
ProCredit - BOL Bolivia 2009 *** Mature Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) High end
AMC Jordan 2009 ** Mature NBFI Non FI Individual Small (Outreach) Not for Profit MENA Medium (Scale) Broad
FMM Bucaramanga Colombia 2009 ** Mature NGO Non FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Low end
Emprenda Argentina 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
ACCOVI El Salvador 2009 ** Mature NBFI High FI Individual Small (Outreach) Profit LAC Large (Scale) High end
HDH OPDF Honduras 2009 ** Mature NBFI Low FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Medium (Scale) Broad
Nyesigiso Mali 2009 *** Mature Credit Union High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Large (Scale) High end
BPR AK Indonesia 2009 ** Mature Rural Bank High FI Individual/ Solidarity Small (Outreach) Profit Asia Medium (Scale) Broad
ASEI El Salvador 2009 ** Mature NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
Pro Mujer - PER Peru 2009 ** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit LAC Medium (Scale) Low end
Crystal Georgia 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Medium (Scale) Broad
SBACD Egypt 2009 ** Mature NGO Non FI Large (Outreach) Not for Profit MENA Large (Scale) Low end
Fundacin Alternativa Ecuador 2009 *** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
BPR NSI Indonesia 2009 *** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Medium (Scale) Low end
Kasagana-Ka Philippines 2009 ** Young NGO High FI Individual Medium (Outreach) Not for Profit Asia Small (Scale) Low end
PALFSI Philippines 2009 ** Mature NGO Non FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
CSD Nepal 2009 ** Mature NGO High FI Individual Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
WWB Cali Colombia 2009 ** Mature NGO Non FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
ECLOF - PHL Philippines 2009 ** Young NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Medium (Scale) Broad
ASBA Egypt 2009 ** Mature NGO Non FI Large (Outreach) Not for Profit MENA Large (Scale) Low end
MUDE Guatemala 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
Express Finance Romania 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit ECA Large (Scale) Broad
CEVI Philippines 2009 ** Mature NGO Low FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
BPR AN Indonesia 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Small (Scale) Broad
ASALA Palestine 2009 ** Mature NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit MENA Medium (Scale) Broad
RASS India 2009 ** Mature NGO Non FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Broad
ESAF India 2009 ** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
CMAC Cusco Peru 2009 * Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
KWFT Kenya 2009 ** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) Broad
ICNW India 2009 ** Mature Credit Union High FI Solidarity Large (Outreach) Not for Profit Asia Small (Scale) Low end
Enda Tunisia 2009 *** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Large (Scale) Low end
Patria Credit Romania 2009 ** Mature NBFI Non FI Individual Small (Outreach) Profit ECA Large (Scale) Broad
RB Mabitac Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Medium (Outreach) Profit Asia Medium (Scale) Broad
Micro Africa Kenya 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Profit Africa Medium (Scale) Broad
Grade:
Intermediation
RSPI Philippines 2009 * Mature NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Asia Small (Scale) Low end
Hekima Congo, Democratic Republic of the 2009 * Young NGO High FI Village Banking Small (Outreach) Not for Profit Africa Small (Scale) Low end
Opportunity Kenya Kenya 2009 * New NBFI High FI Individual/ Solidarity Small (Outreach) Profit Africa Medium (Scale) Broad
ASHI Philippines 2009 ** Mature NGO Low FI Individual/ Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
ASC Union Albania 2009 ** Mature Credit Union High FI Village Banking Medium (Outreach) Not for Profit ECA Large (Scale) Broad
JOVID Tajikistan 2009 ** Young NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
FUNDAMIC Ecuador 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
SKDRDP India 2009 *** Mature NGO Non FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
CMAC Del Santa Peru 2009 ** Mature NBFI High FI Individual Medium (Outreach) Not for Profit LAC Large (Scale) Broad
EDPYME Efectiva Peru 2009 ** Young NBFI Non FI Individual Large (Outreach) Profit LAC Large (Scale) Low end
Ujjivan India 2009 ** Young NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
KosInvest Kosovo 2009 ** Young NGO Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
CamCCUL Cameroon 2009 * Mature Credit Union High FI Individual Large (Outreach) Not for Profit Africa Large (Scale) High end
RML Rwanda 2009 ** Young NBFI Low FI Individual/ Solidarity Small (Outreach) Profit Africa Small (Scale) High end
Bank Eskhata Tajikistan 2009 ** Mature Bank High FI Individual Small (Outreach) Profit ECA Large (Scale) Small Business
IMPRO Bolivia 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
BCSC Colombia 2009 ** Mature Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
BSS India 2009 ** Mature NGO Non FI Village Banking Large (Outreach) Not for Profit Asia Large (Scale) Low end
SEWA Bank India 2009 ** Mature Bank High FI Village Banking Medium (Outreach) Profit Asia Large (Scale) Broad
CEOSS Egypt 2009 * Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit MENA Medium (Scale) Low end
Aden Yemen 2009 ** New NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit MENA Small (Scale) Low end
ATIL Morocco 2009 * Young NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit MENA Small (Scale) Low end
GU India 2009 ** Mature NGO High FI Village Banking Large (Outreach) Not for Profit Asia Large (Scale) Low end
Finadev Tchad Chad 2009 ** Young NBFI Low FI Individual/ Solidarity Small (Outreach) Profit Africa Medium (Scale) Broad
Al Awael Yemen 2009 * Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit MENA Small (Scale) Low end
RADE Egypt 2009 * Mature NGO Low FI Medium (Outreach) Not for Profit MENA Medium (Scale) Low end
PASED Sudan 2009 * Young NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit MENA Small (Scale) Broad
Saadhana India 2009 ** Young NGO Non FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
Fonkoze Financial Services (SFF) Haiti 2009 ** Young NBFI High FI Individual/ Solidarity Large (Outreach) Profit LAC Medium (Scale) Broad
Emprender Bolivia 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
Shakti Bangladesh 2009 *** Mature NGO High FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
RB Lebak Philippines 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Medium (Scale) Broad
Mallig Plains RB Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Medium (Outreach) Profit Asia Medium (Scale) Low end
RB Oroquieta Philippines 2009 ** Mature Rural Bank High FI Village Banking Small (Outreach) Not for Profit Asia Medium (Scale) Broad
UCADE Latacunga Ecuador 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
UCADE Guaranda Ecuador 2009 ** Mature NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
CFE Rwanda 2009 * Young NBFI High FI Individual Small (Outreach) Profit Africa Medium (Scale) Small Business
UCADE Ambato Ecuador 2009 ** Mature NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
UCADE Santo Domingo Ecuador 2009 ** Mature NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
Credicoop Chile 2009 ** Mature NBFI Non FI Individual Small (Outreach) Profit LAC Medium (Scale) Low end
FUNBODEM Bolivia 2009 *** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
Kazama Grameen Philippines 2009 ** Young NGO High FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
FIE Gran Poder Argentina 2009 *** Young NBFI Non FI Individual Small (Outreach) Profit LAC Medium (Scale) Low end
CFPA China, People's Republic of 2009 ** Mature NGO Non FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Broad
Aqrarkredit Azerbaijan 2009 * Young NBFI Non FI Small (Outreach) Profit ECA Large (Scale) High end
ALID Benin 2009 ** New NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Medium (Scale) Broad
MEC FEPRODES Senegal 2009 ** Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Broad
AML India 2009 ** Young NBFI Non FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
SWAWS India 2009 *** Mature NBFI Non FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
Nidan India 2009 ** Mature NBFI Non FI Village Banking Small (Outreach) Not for Profit Asia Small (Scale) Low end
CReSA India 2009 ** Mature NBFI Non FI Solidarity Large (Outreach) Profit Asia Medium (Scale) Low end
Horizonti Macedonia 2009 * Young NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Medium (Scale) Broad
MMFL India 2009 ** Young NBFI Non FI Village Banking Large (Outreach) Profit Asia Large (Scale) Low end
ProCredit - HND Honduras 2009 * New Bank High FI Individual Medium (Outreach) Profit LAC Large (Scale) Broad
ProCredit Bank- DRC Congo, Democratic Republic of the 2009 ** Young Bank High FI Medium (Outreach) Profit Africa Large (Scale) Small Business
LAM Romania 2009 ** Mature NBFI Non FI Individual Small (Outreach) Profit ECA Medium (Scale) Broad
INECO Armenia 2009 ** Mature Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) Broad
KGMAMF Kosovo 2009 * Mature NGO Low FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
Grade:
Intermediation
UGAFODE Uganda 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Medium (Scale) Broad
PAIDEK Congo, Democratic Republic of the 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Small (Scale) Broad
CVECA Kita/Bafoulab Mali 2009 * Mature NGO High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Broad
BMM Crdoba Argentina 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
Intihuaca - BMM Argentina Argentina 2009 ** Young NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Low end
FMFI-SYR Syria 2009 * Young NGO Low FI Medium (Outreach) Not for Profit MENA Large (Scale) Broad
Janalakshmi India 2009 *** Mature NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
ABWA Egypt 2009 * Mature NGO Low FI Individual/ Solidarity Medium (Outreach) Not for Profit MENA Medium (Scale) Low end
Alwatani Jordan 2009 ** Young NBFI Non FI Individual Medium (Outreach) Not for Profit MENA Large (Scale) Low end
IDDA Egypt 2009 * Young NGO Low FI Solidarity Medium (Outreach) Not for Profit MENA Small (Scale) Low end
Makhzoumi Lebanon 2009 * Mature NGO Non FI Individual Small (Outreach) Not for Profit MENA Small (Scale) Low end
Ryada Palestine 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit MENA Large (Scale) Broad
PARC Palestine 2009 * Mature NGO Low FI Individual Small (Outreach) Not for Profit MENA Medium (Scale) Broad
FENACOBU Burundi 2009 * Mature Credit Union High FI Medium (Outreach) Not for Profit Africa Medium (Scale) High end
DJOMEC Senegal 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit Africa Small (Scale) Broad
GAWFA Gambia, The 2009 ** Mature NBFI High FI Individual/ Solidarity Small (Outreach) Profit Africa Small (Scale) Low end
NMB Tanzania 2009 ** Mature Bank High FI Profit Africa Large (Scale)
FASL Ghana 2009 ** Mature NBFI High FI Individual/ Solidarity Medium (Outreach) Profit Africa Large (Scale) High end
Atwima Kwanwoma Ghana 2009 * Young Rural Bank Individual/ Solidarity Small (Outreach) Profit Africa Medium (Scale) Broad
GRAINE sarl Burkina Faso 2009 * Mature NBFI Low FI Solidarity Medium (Outreach) Profit Africa Small (Scale) Low end
POMFB Pakistan 2009 ** New NBFI Low FI Solidarity Small (Outreach) Profit Asia Small (Scale) Low end
HiH India 2009 ** Young NGO Non FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
TMFB Pakistan 2009 ** New NBFI High FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
CFA Afghanistan 2009 * Young NBFI Low FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Broad
Arohan India 2009 *** New NBFI Non FI Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
WDB Sri Lanka 2009 ** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
Sonata India 2009 ** New NBFI Non FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
Swadhaar India 2009 ** New NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit Asia Medium (Scale) Low end
DAYAQ-Credit Azerbaijan 2009 * Young NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Low end
CU Zakowat Kyrgyzstan 2009 * Mature Credit Union Low FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Small Business
SDBL Sri Lanka 2009 ** Mature NBFI High FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
CARE - CREEME Honduras 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
Conserva Mexico 2009 * Mature NBFI Low FI Individual/ Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
CAME Mexico 2009 * Mature NBFI High FI Village Banking Large (Outreach) Profit LAC Large (Scale) Low end
Despacho Amador Mexico 2009 * Mature NBFI Low FI Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
Caja Depac Poblana Mexico 2009 ** Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Medium (Scale) Low end
Banco Familiar Paraguay 2009 ** Mature Bank High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
AMEXTRA Mexico 2009 * Mature NGO High FI Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
FRAC Mexico 2009 ** Mature NGO Non FI Village Banking Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
Columbia Microcreditos Argentina 2009 * New Bank Non FI Individual Small (Outreach) Profit LAC Small (Scale) Low end
Pro Mujer - ARG Argentina 2009 ** New NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
Entre Todos Argentina 2009 * Young NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
ANED Bolivia 2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
CIDRE Bolivia 2009 *** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Medium (Scale) High end
EDPYME Nueva Visin Peru 2009 ** Mature NBFI Non FI Individual Medium (Outreach) Profit LAC Large (Scale) Broad
CMAC Pisco Peru 2009 * Mature NBFI High FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
CRAC Los Andes Peru 2009 ** Mature NBFI High FI Individual/ Solidarity Medium (Outreach) Profit LAC Medium (Scale) Broad
ALSOL Mexico 2009 *** Mature NGO Low FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
SolFi Mexico 2009 * Young NBFI Low FI Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
Coop Jess Nazareno Bolivia 2009 ** Mature Credit Union High FI Individual Medium (Outreach) Not for Profit LAC Large (Scale) High end
Diaconia Bolivia 2009 ** Mature NGO Non FI Village Banking Large (Outreach) Not for Profit LAC Large (Scale) Broad
FUBODE Bolivia 2009 *** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
Fassil FFP Bolivia 2009 *** Mature NBFI High FI Individual Medium (Outreach) Profit LAC Large (Scale) High end
Fortaleza FFP Bolivia 2009 *** Mature NBFI High FI Individual Medium (Outreach) Profit LAC Large (Scale) Small Business
IDEPRO Bolivia 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) High end
CRAC Credinka Peru 2009 * Mature NBFI High FI Individual Medium (Outreach) Profit LAC Large (Scale) Broad
FDD Dominican Republic 2009 ** Mature NGO Non FI Individual Medium (Outreach) Not for Profit LAC Small (Scale) Low end
CRAC Seor de Luren Peru 2009 * Mature NBFI High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
Grade:
Intermediation
IDESPA Peru 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
EDPYME Pro Negocios Peru 2009 * Young NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Broad
COOPROGRESO Ecuador 2009 *** Mature Credit Union High FI Village Banking Medium (Outreach) Not for Profit LAC Large (Scale) Broad
CUMO Malawi 2009 ** Young NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Small (Scale) Low end
VBSP Vietnam 2009 * Mature Bank Low FI Large (Outreach) Not for Profit Asia Large (Scale) Broad
Mikrokredit Bank Uzbekistan 2009 ** New Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) Small Business
MUCODEC Congo, Republic of the 2009 * Mature Credit Union High FI Large (Outreach) Not for Profit Africa Large (Scale) Broad
CPECG Yete Mali Guinea 2009 * Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Broad
AIM Malaysia 2009 ** Mature NGO Low FI Village Banking Large (Outreach) Not for Profit Asia Large (Scale) Low end
CEAPE PI Brazil 2009 *** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
Central Cresol Baser Brazil 2009 ** Mature Credit Union High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
Actuar Quindio Colombia 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
Bancolombia Microfinanzas Colombia 2009 * Young Bank High FI Individual Medium (Outreach) Profit LAC Large (Scale) Broad
APACOOP Costa Rica 2009 ** Mature Credit Union Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
Actuar Caldas Colombia 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
Fondo Esperanza Chile 2009 * Mature NGO Non FI Village Banking Large (Outreach) Not for Profit LAC Medium (Scale) Low end
Comultrasan Colombia 2009 ** Mature Credit Union High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
Fundacin Amanecer Colombia 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Medium (Scale) Broad
FIACG Guatemala 2009 *** Mature NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
BFL India 2009 ** Mature NBFI Non FI Village Banking Large (Outreach) Profit Asia Large (Scale) Low end
TIMPAC Togo 2009 * Mature NGO High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Small Business
Maxima Cambodia 2009 ** Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Profit Asia Small (Scale) Broad
Seilanithih Cambodia 2009 ** Mature NBFI Low FI Individual/ Solidarity Medium (Outreach) Profit Asia Medium (Scale) Broad
Aqroinvest Azerbaijan 2009 ** Young Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
Nationwide Microbank Papua New Guinea 2009 ** Young Rural Bank High FI Individual Small (Outreach) Profit Asia Medium (Scale) Broad
First Macro Bank Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Small (Outreach) Profit Asia Large (Scale) Broad
Binhminh CDC Vietnam 2009 ** Young NGO High FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
KCCDFI Philippines 2009 ** Young NGO High FI Individual Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
TGMP Turkey 2009 ** Young NGO Low FI Individual Medium (Outreach) Not for Profit ECA Medium (Scale) Low end
ACORDE Costa Rica 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Large (Scale) Small Business
AFODENIC Nicaragua 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) High end
ASOPROSANRAMON Costa Rica 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
Asociacin El Balsamo El Salvador 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
Coop 20 de Abril Nicaragua 2009 ** Mature Credit Union Low FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
FADEMYPE El Salvador 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
FIDERPAC Costa Rica 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
FHA Honduras 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
FUNDEVI Honduras 2009 ** Young NBFI Non FI Individual Medium (Outreach) Profit LAC Large (Scale) Broad
FUNDEMIX Guatemala 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
FINCA - NIC Nicaragua 2009 ** Mature NGO Non FI Village Banking Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
FUDECOSUR Costa Rica 2009 *** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
FUNDEBASE Costa Rica 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
Microserfin Panama 2009 ** Mature NBFI Non FI Individual Small (Outreach) Profit LAC Medium (Scale) Low end
PILARH OPDF Honduras 2009 *** Mature NBFI Low FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
MICREDITO El Salvador 2009 ** New NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Broad
Coop Juan XXIII Panama 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
PADECOMSMCREDITO El Salvador 2009 *** Mature NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Broad
Asociacin SHARE Guatemala 2009 ** Young NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
ProCaja Panama 2009 ** Mature NGO Low FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
COAC Nacional Ecuador 2009 *** Mature Credit Union High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
Atyrau Valyut Kazakhstan 2009 * Young NBFI Non FI Individual Small (Outreach) Profit ECA Small (Scale) Broad
Arnur Credit Kazakhstan 2009 *** Young NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Medium (Scale) Broad
ORTA Nesie Kazakhstan 2009 *** Young NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
FACES Ecuador 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
ORDA Credit Kazakhstan 2009 * Mature NBFI Individual/ Solidarity Small (Outreach) Profit ECA Large (Scale) High end
MLF Kiropol Tajikistan 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
COAC Chone Ecuador 2009 *** New Credit Union High FI Village Banking Small (Outreach) Not for Profit LAC Large (Scale) Broad
COAC Luz del Valle Ecuador 2009 ** Young Credit Union High FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
Grade:
Intermediation
COAC Kullki Wasi Ecuador 2009 ** Young Credit Union High FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
Mimo Finance India 2009 ** New NBFI Non FI Individual/ Solidarity Large (Outreach) Profit Asia Medium (Scale) Low end
CMAC Piura Peru 2009 * Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
JFSL India 2009 ** Young NGO Low FI Village Banking Large (Outreach) Not for Profit Asia Medium (Scale) Low end
COOPAC Len XIII Peru 2009 * Mature Credit Union High FI Individual Medium (Outreach) Not for Profit LAC Medium (Scale) Broad
CRAC Sipn Peru 2009 * Mature NBFI High FI Individual Small (Outreach) Profit LAC Medium (Scale) Broad
EDPYME Raz Peru 2009 *** Mature NBFI Non FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
IDER CV Peru 2009 * Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
Coop Ftima Bolivia 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Large (Scale) Small Business
Ghashful Bangladesh 2009 ** Mature NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Broad
CEAPE BA Brazil 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
CMCA Central African Republic 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit Africa Medium (Scale) Small Business
SAMIC-Limited Cambodia 2009 ** Mature NBFI Low FI Individual/ Solidarity Medium (Outreach) Profit Asia Medium (Scale) Broad
CBIRD Cambodia 2009 ** Mature NBFI Low FI Individual/ Solidarity Small (Outreach) Profit Asia Small (Scale) Broad
SEWA Finance Sri Lanka 2009 ** New Low FI Individual/ Solidarity Small (Outreach) Profit Asia Small (Scale) Low end
Sareeram Sri Lanka 2009 * Mature NGO Low FI Small (Outreach) Not for Profit Asia Small (Scale) Low end
Moris Rasik East Timor 2009 ** Mature NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Broad
CFCC Cote d'Ivoire (Ivory Coast) 2009 * Young Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Medium (Scale) Small Business
APROS Mexico 2009 * Young NBFI Non FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
NBJK India 2009 ** Mature NGO Low FI Village Banking Small (Outreach) Not for Profit Asia Small (Scale) Low end
AWS India 2009 ** Mature NGO Low FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
COCDEP Mexico 2009 * Young NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
Crezkamos Kapital Mexico 2009 * Mature NBFI Low FI Individual/ Solidarity Medium (Outreach) Profit LAC Large (Scale) Broad
Forjadores de Negocios Mexico 2009 * New NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
SemiSol Mexico 2009 ** Young NBFI Non FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
SerAUGE Mexico 2009 * Mature NBFI Low FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
Apoyo Social Mexico 2009 * Young NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Low end
ATEMEXPA Mexico 2009 * Mature NBFI Low FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
SPGBB Nepal 2009 ** Mature Rural Bank Low FI Individual/ Solidarity Small (Outreach) Profit Asia Small (Scale) Broad
MPGBB Nepal 2009 ** Mature Rural Bank Low FI Individual/ Solidarity Medium (Outreach) Profit Asia Medium (Scale) Broad
So Paulo Confia Brazil 2009 ** Young NGO Non FI Solidarity Small (Outreach) Not for Profit LAC Medium (Scale) Low end
Credisol Brazil 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
CEADe Brazil 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
PATRA Hunchun China, People's Republic of 2009 ** Young NGO Non FI Individual Small (Outreach) Not for Profit Asia Small (Scale) Broad
MGPCC DEKAWOWO Togo 2009 ** Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) High end
CACMU Ecuador 2009 ** Young Credit Union High FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Broad
COAC Artesanos Ecuador 2009 *** Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Broad
COAC Santa Anita Ecuador 2009 *** Young Credit Union High FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Broad
URC-BAM Burkina Faso 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit Africa Small (Scale) High end
CAURIE Micro Finance Senegal 2009 * New NBFI High FI Solidarity Large (Outreach) Profit Africa Medium (Scale) Broad
FMF Egypt 2009 ** Young NGO Non FI Individual Medium (Outreach) Not for Profit MENA Medium (Scale) Low end
Elet-Capital Kyrgyzstan 2009 ** New NBFI Non FI Individual Small (Outreach) Profit ECA Small (Scale) Broad
SKS Bangladesh Bangladesh 2009 ** Mature NGO Low FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
Asociacin Arariwa Peru 2009 ** Mature NGO Non FI Village Banking Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
ADVANS Cameroun Cameroon 2009 * New NBFI Individual/ Solidarity Small (Outreach) Profit Africa Medium (Scale) Broad
Al-Thiqa Iraq 2009 ** Young NGO Non FI Individual/ Solidarity Medium (Outreach) Profit MENA Large (Scale) Broad
FOVIDA Peru 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Broad
FONDESOL Guatemala 2009 ** New NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
KOMIDA Indonesia 2009 ** Young Credit Union Low FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
Microempresas de Antioquia Colombia 2009 ** Mature NGO Non FI Individual Medium (Outreach) Not for Profit LAC Large (Scale) Broad
Caucasus Credit Azerbaijan 2009 * Young Solidarity Small (Outreach) ECA Small (Scale) Small Business
ASP Financiera Mexico 2009 * Young NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit LAC Large (Scale) Low end
COAC Fondvida Ecuador 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
PATRA Yanbian China, People's Republic of 2009 * Young NGO Individual Small (Outreach) Not for Profit Asia Small (Scale) Low end
Serviamus Philippines 2009 ** Mature NGO High FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
Crece Safsa Mexico 2009 * New NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
DemirBank Azerbaijan 2009 *** Mature Bank High FI Individual Large (Outreach) Profit ECA Large (Scale) Broad
OXUS - AFG Afghanistan 2009 * New NBFI Non FI Solidarity Small (Outreach) Not for Profit Asia Medium (Scale) Broad
Grade:
Intermediation
Sodruzhestvo Russia 2009 * Young NGO Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
ASA Philippines Philippines 2009 ** Young NGO High FI Individual Large (Outreach) Not for Profit Asia Large (Scale) Low end
Duterimbere Rwanda 2009 ** New NBFI High FI Individual/ Solidarity Small (Outreach) Profit Africa Medium (Scale) Broad
BIMAS Kenya 2009 ** Mature NGO High FI Solidarity Medium (Outreach) Not for Profit Africa Medium (Scale) Broad
BMT Pringsewu Indonesia 2009 ** Young Rural Bank High FI Individual Small (Outreach) Profit Asia Small (Scale) Low end
MADRAC Afghanistan 2009 * Young NBFI Low FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Medium (Scale) Broad
WOCCU - AFG Afghanistan 2009 * Young Credit Union Low FI Solidarity Medium (Outreach) Not for Profit Asia Large (Scale) Broad
Coop Avances Nicaragua 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Small (Scale) High end
Adhikar India 2009 *** Mature NBFI Non FI Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
CMFinance Russia 2009 * Young NBFI Non FI Individual Large (Outreach) Profit ECA Large (Scale) Low end
RB Loon Philippines 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Small (Scale) Broad
RB Camalig Philippines 2009 ** Mature Rural Bank High FI Individual Medium (Outreach) Profit Asia Medium (Scale) Broad
Asomi India 2009 ** Young NGO Low FI Village Banking Large (Outreach) Profit Asia Medium (Scale) Low end
BRAC - TZA Tanzania 2009 ** New NGO Low FI Individual Large (Outreach) Not for Profit Africa Large (Scale) Low end
BRAC - UGA Uganda 2009 ** New NGO Low FI Individual/ Solidarity Large (Outreach) Not for Profit Africa Large (Scale) Low end
Opportunity Tanzania Tanzania 2009 * Young NBFI Low FI Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Broad
CU Sawiran Indonesia 2009 *** Mature Credit Union High FI Individual Small (Outreach) Not for Profit Asia Medium (Scale) Broad
APED Ghana 2009 * Mature NGO High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Low end
UNION DES COOPECs UMUTANGUHA Rwanda 2009 ** New Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) High end
BRAC - LKA Sri Lanka 2009 ** New NGO Low FI Solidarity Large (Outreach) Not for Profit Asia Medium (Scale) Low end
WMN (Russia) Russia 2009 * New NBFI Non FI Individual Small (Outreach) Profit ECA Large (Scale) Broad
Hope for Life Afghanistan 2009 * Young NGO Non FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Broad
Alliance Group Georgia 2009 ** New NBFI Non FI Individual Small (Outreach) Profit ECA Medium (Scale) Broad
Abyan Yemen 2009 * Young NGO Low FI Solidarity Small (Outreach) Not for Profit MENA Small (Scale) Low end
SFSD Yemen 2009 * New NGO Non FI Small (Outreach) Not for Profit MENA Small (Scale) Low end
MLF MWI Malawi 2009 ** Young NGO Non FI Solidarity Medium (Outreach) Not for Profit Africa Small (Scale) Low end
Al Rafah Bank Palestine 2009 ** New Bank High FI Individual/ Solidarity Small (Outreach) Profit MENA Large (Scale) Small Business
AMfB Nigeria 2009 * New Bank Low FI Individual Small (Outreach) Profit Africa Medium (Scale) Broad
BJS India 2009 *** New NGO Non FI Individual Small (Outreach) Not for Profit Asia Small (Scale) Low end
NCS India 2009 *** New NGO Non FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
BWDC India 2009 *** Mature NGO Low FI Village Banking Medium (Outreach) Not for Profit Asia Small (Scale) Low end
Mahashakti India 2009 ** Young NGO Low FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
Arbat Kazakhstan 2009 ** Young NBFI Non FI Individual Small (Outreach) Profit ECA Small (Scale) Broad
1st MCC Kyrgyzstan 2009 * New NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit ECA Large (Scale) Broad
FINCA - JOR Jordan 2009 ** New NBFI Non FI Small (Outreach) Not for Profit MENA Medium (Scale) Low end
PBC Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
FAIR Bank Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Medium (Outreach) Profit Asia Large (Scale) Broad
PR Bank Philippines 2009 ** Mature Rural Bank High FI Profit Asia Medium (Scale)
RB Montevista Philippines 2009 ** Mature Rural Bank High FI Solidarity Medium (Outreach) Profit Asia Medium (Scale) Low end
Progressive Bank Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Medium (Outreach) Profit Asia Medium (Scale) Low end
RB Siargao Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Small (Outreach) Profit Asia Medium (Scale) Low end
COOPAC Los Andes Peru 2009 ** Young Credit Union High FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
Bereke-credit Kyrgyzstan 2009 * New NBFI Non FI Individual Small (Outreach) Profit ECA Small (Scale) Broad
Agrocredit Plus Kyrgyzstan 2009 ** New NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
Mol Bulak Finance Kyrgyzstan 2009 ** New NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit ECA Large (Scale) Broad
OXUS - KGS Kyrgyzstan 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
Sajida Bangladesh 2009 ** Mature NGO High FI Individual/ Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
DSK Bangladesh 2009 ** Mature NGO High FI Solidarity Large (Outreach) Not for Profit Asia Large (Scale) Low end
Luma Sierra Leone 2009 ** New NBFI High FI Solidarity Small (Outreach) Profit Africa Small (Scale) Low end
WSE India 2009 ** Mature NGO Low FI Village Banking Large (Outreach) Not for Profit Asia Medium (Scale) Low end
BTA Bank Kyrgyzstan 2009 * Mature Bank Low FI Small (Outreach) Profit ECA Large (Scale) Small Business
Nwabiagya RB Ghana 2009 * Mature Rural Bank High FI Individual Medium (Outreach) Profit Africa Medium (Scale) Broad
CFF Ghana 2009 ** Mature NGO Non FI Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Low end
Bosumtwi RB Ghana 2009 * Mature Rural Bank High FI Medium (Outreach) Profit Africa Medium (Scale) Broad
Invest Credit Azerbaijan 2009 ** New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
Komak Credit Azerbaijan 2009 ** Young Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
SCDA Egypt 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit MENA Small (Scale) Low end
M7 Mai Son Vietnam 2009 * Mature NGO High FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
Grade:
Intermediation
M7 DB District Vietnam 2009 * Mature NGO High FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
M7 Uong bi Vietnam 2009 * Mature NGO High FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Broad
M7 Dong Trieu Vietnam 2009 * Mature NGO High FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
M7 Ninh Phuoc Vietnam 2009 * Young NGO High FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
M7 DBP City Vietnam 2009 * Mature NGO High FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
M7 Can Loc Vietnam 2009 * Mature NGO High FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
Borshud Tajikistan 2009 ** Young NGO Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
MicroCred - CHN China, People's Republic of 2009 ** Mature Non FI Individual Small (Outreach) Asia Large (Scale) Broad
Reef Palestine 2009 ** New NBFI Low FI Individual/ Solidarity Small (Outreach) Profit MENA Medium (Scale) Small Business
COOPAC Norandino Peru 2009 ** New Credit Union Low FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
FINCA - SLV El Salvador 2009 ** Mature NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
ProCredit - COL Colombia 2009 ** New Bank High FI Individual Medium (Outreach) Profit LAC Large (Scale) Broad
ACRG Costa Rica 2009 ** New NGO Low FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
ASR Uzbekistan 2009 * Young Credit Union High FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) High end
EDPYME Credivisin Peru 2009 ** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
Finance Technology Azerbaijan 2009 * Young NBFI Small (Outreach) Profit ECA Small (Scale) Low end
CRAC Profinanzas Peru 2009 * Mature NBFI High FI Medium (Outreach) Profit LAC Large (Scale) Broad
COOPAC Santo Domingo Peru 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Large (Scale) Broad
COOPAC Chiquinquira Peru 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
COOPAC Santa Maria Peru 2009 * Mature Credit Union High FI Individual Medium (Outreach) Not for Profit LAC Large (Scale) Broad
BANCRI Brazil 2009 ** Mature NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
Apoyo Econmico Mexico 2009 ** New NBFI Non FI Individual Large (Outreach) Profit LAC Large (Scale) Low end
Caritas Esteli Nicaragua 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
Microfinanciera Prisma Honduras 2009 ** Young NBFI Non FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Broad
KBank Philippines 2009 * New Bank High FI Individual/ Solidarity Large (Outreach) Profit Asia Medium (Scale) Low end
OI China China, People's Republic of 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit Asia Medium (Scale) High end
GOF India 2009 *** New NBFI Non FI Individual/ Solidarity Large (Outreach) Profit Asia Medium (Scale) Low end
COAC San Antonio Ecuador 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
Don Apoyo Mexico 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
Invirtiendo Mexico 2009 * Young NBFI Low FI Individual/ Solidarity Large (Outreach) Profit LAC Medium (Scale) Low end
CrediComn Mexico 2009 ** New NBFI Low FI Village Banking Medium (Outreach) Profit LAC Medium (Scale) Low end
SU India 2009 ** Young NGO Low FI Individual Large (Outreach) Not for Profit Asia Medium (Scale) Low end
GCM Mexico 2009 * New NBFI Non FI Village Banking Medium (Outreach) Profit LAC Small (Scale) Low end
Te Creemos Mexico 2009 ** New NBFI High FI Individual/ Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
FSL Sudan 2009 * New NBFI High FI Individual/ Solidarity Small (Outreach) Profit MENA Small (Scale) Broad
NEED India 2009 *** New NGO Low FI Village Banking Large (Outreach) Not for Profit Asia Medium (Scale) Low end
Sarala India 2009 *** New NGO Low FI Individual Large (Outreach) Not for Profit Asia Medium (Scale) Low end
Equitas India 2009 *** New NBFI Non FI Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
BRAC - SS Sudan 2009 * New NGO Low FI Solidarity Medium (Outreach) Not for Profit MENA Small (Scale) Low end
Micredito SAC Peru 2009 * New NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Low end
Reliance Gambia, The 2009 ** New NBFI High FI Individual Small (Outreach) Profit Africa Medium (Scale) High end
FinAmigo Mexico 2009 * Young NBFI High FI Individual/ Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
Opportunity Finance South Africa 2009 * New NBFI Non FI Individual Small (Outreach) Profit Africa Medium (Scale) Low end
Progresemos Mexico 2009 * New NBFI Non FI Solidarity Medium (Outreach) Profit LAC Medium (Scale) Low end
Chamroeun Cambodia 2009 ** New NGO High FI Individual Small (Outreach) Profit Asia Small (Scale) Low end
CrediConfa Mexico 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
Alternativa Microfinanzas Peru 2009 *** Young NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
FVP Mexico 2009 * Young NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
Jigiyaso Ba Mali 2009 * Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Medium (Scale) Broad
RMCR Mali 2009 ** Mature NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Medium (Scale) Broad
RB Pagbilao Philippines 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Small (Scale) Broad
COAC San Gabriel Ecuador 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
Garant-Invest Uzbekistan 2009 ** New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
Cordial Microfinanzas Argentina 2009 ** New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit LAC Medium (Scale) Low end
BPR Surya Yudha Kencana Indonesia 2009 ** Mature Rural Bank High FI Individual Large (Outreach) Profit Asia Large (Scale) Broad
CTS Bangladesh 2009 ** Mature Credit Union High FI Individual Medium (Outreach) Profit Asia Small (Scale) Low end
Sahayata India 2009 ** New NBFI Non FI Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
PAWDEP Kenya 2009 ** Young NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Large (Scale) Broad
Grade:
Intermediation
COAC La Benfica Ecuador 2009 ** Mature Credit Union High FI Village Banking Small (Outreach) Not for Profit LAC Medium (Scale) Broad
ANDE Brazil 2009 ** New NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit LAC Medium (Scale) Low end
BPR Pinang Artha Indonesia 2009 *** Mature Rural Bank High FI Small (Outreach) Profit Asia Small (Scale) Broad
Credit-express Tajikistan 2009 * New NBFI High FI Individual Small (Outreach) Profit ECA Small (Scale) Small Business
Instituto Estrela Brazil 2009 * New NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
Mahuli Nepal 2009 ** Mature NGO High FI Solidarity Medium (Outreach) Not for Profit Asia Small (Scale) Low end
FFSA Kazakhstan 2009 ** Mature NBFI Non FI Individual/ Solidarity Medium (Outreach) Profit ECA Large (Scale) Broad
MUL Uganda 2009 ** Young NBFI Non FI Individual/ Solidarity Small (Outreach) Profit Africa Small (Scale) High end
TRM East Timor 2009 ** Young NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Broad
ID - Ghana Ghana 2009 ** Mature NGO High FI Village Banking Small (Outreach) Not for Profit Africa Small (Scale) Low end
Mahila Sahakari Nepal 2009 ** Mature Credit Union High FI Individual Small (Outreach) Profit Asia Medium (Scale) Broad
COAC Fernando Daquilema Ecuador 2009 ** New Credit Union High FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
COAC 4 de Octubre Ecuador 2009 ** Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Medium (Scale) Broad
SOFINA Cameroon 2009 * Mature NBFI High FI Individual/ Solidarity Small (Outreach) Profit Africa Small (Scale) Broad
Fund of Baikal Region Russia 2009 * Mature NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
COAC Ambato Ecuador 2009 ** Young Credit Union High FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
KOPSA India 2009 ** Mature NBFI Non FI Village Banking Small (Outreach) Not for Profit Asia Small (Scale) Broad
Indur MACS India 2009 ** Young Credit Union Non FI Village Banking Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
Disha India 2009 ** New Non FI Small (Outreach) Not for Profit Asia Small (Scale) Low end
Share MACTS India 2009 ** Mature Credit Union High FI Individual/ Solidarity Medium (Outreach) Not for Profit Asia Small (Scale) Low end
ELDA Ghana 2009 ** Mature NGO Non FI Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Low end
Mentors - PER Peru 2009 * Young NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
BPR DMG Indonesia 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Small (Scale) Broad
ASUSU CIIGABA Niger 2009 * New NBFI High FI Individual/ Solidarity Large (Outreach) Profit Africa Large (Scale) Broad
SVSDF India 2009 *** New NGO Non FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
Abzal Kredit Kazakhstan 2009 * Young NBFI Non FI Individual Small (Outreach) Profit ECA Small (Scale) High end
MicroCred - MDG Madagascar 2009 ** New NBFI Non FI Individual Medium (Outreach) Profit Africa Large (Scale) High end
PMPC Philippines 2009 ** Mature Credit Union High FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
Crezcamos Colombia 2009 *** New NBFI Non FI Individual Small (Outreach) Profit LAC Medium (Scale) Low end
COOPEDU-Kigali Rwanda 2009 * Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Medium (Scale) Small Business
Trident Microfinance India 2009 ** Mature NBFI Low FI Individual/ Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
Berendina Microfinance Sri Lanka 2009 ** New NBFI Non FI Individual Medium (Outreach) Profit Asia Medium (Scale) Low end
Samasta India 2009 ** New NBFI Non FI Solidarity Large (Outreach) Profit Asia Medium (Scale) Low end
Rishenglong China, People's Republic of 2009 * New NBFI Non FI Small (Outreach) Profit Asia Medium (Scale) Small Business
Bancama Colombia 2009 ** New Bank Low FI Individual Large (Outreach) Profit LAC Large (Scale) Low end
CRAC Nuestra Gente Peru 2009 *** New NBFI High FI Individual Large (Outreach) Profit LAC Large (Scale) Broad
Amlok Tajikistan 2009 * New NBFI Low FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
BanIgualdad Chile 2009 ** Young NGO Low FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
COOPAC San Cristbal Peru 2009 * Mature Credit Union High FI Individual Medium (Outreach) Not for Profit LAC Large (Scale) Broad
AGFS Ghana 2009 ** New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit Africa Small (Scale) Broad
Fcil SCM Brazil 2009 * Young NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Broad
Acredite Brazil 2009 ** Young NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
Crdito Solidrio Brazil 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
Banco do Vale Brazil 2009 ** Young NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
ICC MAU-CE Brazil 2009 * Young NGO Non FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Low end
Farm Credit Armenia Armenia 2009 ** New NBFI Non FI Individual Small (Outreach) Profit ECA Small (Scale) Small Business
Renesans Uzbekistan 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
Soluciones Reales Mexico 2009 * New NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Low end
Red de Vanguardia Mexico 2009 * New NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Low end
CREDIOESTE Brazil 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
Real Microcrdito Brazil 2009 ** Young NBFI Non FI Individual/ Solidarity Large (Outreach) Profit LAC Large (Scale) Low end
SOCIALCRED Brazil 2009 *** Young NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Broad
FISUR Mexico 2009 * Young NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Low end
Solucin Asea Mexico 2009 * Young NBFI High FI Village Banking Large (Outreach) Profit LAC Medium (Scale) Low end
UCCEC GY Mali 2009 * New Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Low end
Vivir Soluciones Mexico 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
TuranBank Azerbaijan 2009 ** Mature Bank High FI Individual Small (Outreach) Profit ECA Large (Scale) Small Business
CrediClub Mexico 2009 * New NBFI Non FI Individual Medium (Outreach) Profit LAC Small (Scale) Low end
Grade:
Intermediation
Cresol Central Brazil 2009 ** Young Credit Union High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
Sanchetna India 2009 ** New NBFI Non FI Solidarity Small (Outreach) Profit Asia Small (Scale) Low end
MicroCred - SEN Senegal 2009 * New NBFI High FI Individual Medium (Outreach) Profit Africa Large (Scale) Broad
BPR Hitamajaya Indonesia 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Small (Scale) Broad
RISE India 2009 ** New NGO Non FI Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Low end
GGEM Microfinance Services Ltd. Sierra Leone 2009 ** New NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Low end
UNICREICH Mexico 2009 ** Mature NBFI High FI Individual/ Solidarity Small (Outreach) Profit LAC Medium (Scale) Broad
VFL Sri Lanka 2009 * Young NGO Non FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
COAC Minga Ecuador 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
COAC Pallatanga Ecuador 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
NESDO Nepal 2009 ** Mature NBFI High FI Solidarity Medium (Outreach) Not for Profit Asia Small (Scale) Low end
Grameen Sahara India 2009 * Mature Small (Outreach) Asia Small (Scale) Low end
Popular SAFI Peru 2009 * New NBFI Non FI Individual Small (Outreach) Profit LAC Medium (Scale) High end
BPR NBP 30 Indonesia 2009 ** Mature Rural Bank High FI Individual/ Solidarity Small (Outreach) Profit Asia Small (Scale) Broad
BPR NBP 11 Indonesia 2009 ** Mature Rural Bank High FI Individual/ Solidarity Medium (Outreach) Profit Asia Medium (Scale) Low end
Juhudi Kilimo Kenya 2009 ** Young NBFI High FI Individual Small (Outreach) Profit Africa Small (Scale) Broad
Provident Mexico 2009 * Young NBFI Non FI Individual Large (Outreach) Profit LAC Large (Scale) Low end
CEDEF Ghana 2009 ** New NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Low end
Suryoday India 2009 *** New NBFI Non FI Solidarity Medium (Outreach) Profit Asia Medium (Scale) Low end
BPR NBP 2 Indonesia 2009 ** New Rural Bank High FI Individual/ Solidarity Small (Outreach) Profit Asia Medium (Scale) Broad
COAC Padre Vicente Ecuador 2009 ** New Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
AREGAK UCO Armenia 2009 ** New NBFI Non FI Individual/ Solidarity Large (Outreach) Profit ECA Large (Scale) Broad
RB Makiling Philippines 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Medium (Scale) Broad
Bangko Luzon Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Medium (Scale) Broad
RB Bagac Philippines 2009 ** Mature Rural Bank High FI Individual Small (Outreach) Profit Asia Small (Scale) Broad
RB Labason Philippines 2009 ** Mature Rural Bank High FI Individual/ Solidarity Small (Outreach) Profit Asia Small (Scale) Broad
RB Katipunan Philippines 2009 ** Mature Rural Bank High FI Individual Medium (Outreach) Profit Asia Large (Scale) Broad
SEIL India 2009 *** Mature NBFI Low FI Individual Large (Outreach) Profit Asia Large (Scale) Broad
RB Liloy Philippines 2009 ** Mature Rural Bank High FI Profit Asia Small (Scale)
Aetos Bulgaria 2009 * Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Doveriye- Bulgaria Bulgaria 2009 * Mature Credit Union Non FI Small (Outreach) Not for Profit ECA Small (Scale) Broad
Pomoriiski stopanin Bulgaria 2009 * Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
LEAP Liberia 2009 ** Mature NGO High FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Small (Scale) Low end
CWCD Pakistan 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit Asia Small (Scale) Broad
Stopanin Bulgaria 2009 * Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Real-Credit.kz Kazakhstan 2009 * New NBFI Individual Small (Outreach) Profit ECA Medium (Scale) High end
General Toshevo Bulgaria 2009 ** Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Nadejda 96 Bulgaria 2009 ** Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Samokov 96 Bulgaria 2009 * Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
LAPO-SLE Sierra Leone 2009 * New Bank High FI Solidarity Medium (Outreach) Profit Africa Small (Scale) Low end
LSK Burkina Faso 2009 * New Credit Union High FI Individual Small (Outreach) Not for Profit Africa Small (Scale) Broad
Miziya Bulgaria 2009 * Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Momina Voda Bulgaria 2009 * Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Agroimpuls Bulgaria 2009 * Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Maritsa Invest Bulgaria 2009 * Mature Credit Union Low FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Kajnardza 96 Bulgaria 2009 * Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Perelik Bulgaria 2009 * Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
SSK India 2009 * Mature Non FI Village Banking Small (Outreach) Asia Small (Scale) Low end
Avrasiya-Kredit Azerbaijan 2009 * New NBFI Non FI Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Low end
SMILE India 2009 *** Young NBFI Non FI Solidarity Large (Outreach) Profit Asia Large (Scale) Low end
Kashf Bank Pakistan 2009 ** New NBFI High FI Individual Medium (Outreach) Profit Asia Medium (Scale) Broad
BDCB Sri Lanka 2009 ** Young Credit Union High FI Individual Medium (Outreach) Profit Asia Medium (Scale) Low end
Microsol Paraguay 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
MDO 'Spitamen capital' Tajikistan 2009 * New NBFI High FI Individual Small (Outreach) Profit ECA Small (Scale) Small Business
Soyuz-Primoroye Russia 2009 * Young Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Popular Kasa-Kystendil Bulgaria 2009 * Mature Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
MLF Vahsh Microfin Tajikistan 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
Avantaj Russia 2009 * New Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Low end
Grade:
Intermediation
Stanichnik Russia 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Low end
Nov Credit Tajikistan 2009 * New NBFI Non FI Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
Solidarnost Bulgaria 2009 ** Mature Credit Union Low FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Sugd Microfin Tajikistan 2009 * New NBFI Non FI Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
ProCredit Bank - MDA Moldova 2009 * New Bank High FI Individual Small (Outreach) Profit ECA Large (Scale) Small Business
SoyuzKredit Russia 2009 * Young Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Low end
Tverskoy Russia 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Inam Azerbaijan 2009 ** New Credit Union Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
ECLOF - KEN Kenya 2009 ** Mature NBFI High FI Individual/ Solidarity Medium (Outreach) Profit Africa Medium (Scale) Broad
UCEC Sahel Burkina Faso 2009 * Mature Credit Union High FI Small (Outreach) Not for Profit Africa Small (Scale) Broad
Kikvidzenskiy Russia 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Low end
Krasnochikoyskiy Russia 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
Metallist Russia 2009 * Mature Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
OVK_Partner Russia 2009 * New Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Low end
Soglasiye_Cheboksary Russia 2009 * Young Credit Union Low FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) High end
Zemlya Olonkho Russia 2009 * New Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
AgroCredit Georgia 2009 ** New NBFI Individual Small (Outreach) Profit ECA Small (Scale) Small Business
Almaz Uzbekistan 2009 * New Credit Union High FI Small (Outreach) Not for Profit ECA Small (Scale) Small Business
Imdodi Rushd Tajikistan 2009 * New NBFI Non FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Broad
Delta-Credit Kazakhstan 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Low end
Dastras Tajikistan 2009 * New NBFI Low FI Individual Small (Outreach) Profit ECA Small (Scale) Small Business
Sarbon Uzbekistan 2009 *** New Credit Union High FI Small (Outreach) Not for Profit ECA Small (Scale) Small Business
AfricaWorks Mozambique 2009 ** New NGO High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Broad
GAMIFI SA Gabon 2009 * New NBFI Low FI Individual Small (Outreach) Profit Africa Small (Scale) Low end
India's Capital Trust Ltd India 2009 ** New NBFI Non FI Solidarity Medium (Outreach) Profit Asia Medium (Scale) Low end
Financia Credit Panama 2009 ** New NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) High end
ALFIN Mexico 2009 * New NBFI Low FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
Easycred Georgia 2009 ** New NBFI Individual Small (Outreach) Profit ECA Small (Scale) Small Business
Emprendesarial Mexico 2009 * New NBFI Low FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
Ficrea Mexico 2009 * New NBFI Low FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
Siempre Creciendo Mexico 2009 * New NBFI Non FI Individual/ Solidarity Large (Outreach) Profit LAC Medium (Scale) Low end
Proapoyo Mexico 2009 * New NBFI Non FI Village Banking Small (Outreach) Profit LAC Small (Scale) Low end
Dwetire Ghana 2009 ** New NBFI Low FI Individual/ Solidarity Small (Outreach) Profit Africa Small (Scale) Low end
Finacen Mexico 2009 * New NBFI Low FI Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
ADICLA Guatemala 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Medium (Scale) Broad
CMCP Lima Peru 2009 *** Mature NBFI High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
COMERCIACOOP Colombia 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
Mas Kapital Mexico 2009 * New NBFI Low FI Village Banking Large (Outreach) Profit LAC Medium (Scale) Low end
Fomentamos Colombia 2009 * Young NGO Non FI Village Banking Small (Outreach) Not for Profit LAC Small (Scale) Low end
Chaitanya India 2009 ** New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit Asia Small (Scale) Low end
Microfin Uruguay Uruguay 2009 ** New NBFI Non FI Individual Small (Outreach) Profit LAC Small (Scale) Broad
EB-ACCION Ghana 2009 * New Bank High FI Individual/ Solidarity Small (Outreach) Profit Africa Medium (Scale) Broad
Confiar Colombia 2009 *** Mature Credit Union High FI Individual Large (Outreach) Not for Profit LAC Large (Scale) Broad
FUNDESMAG Colombia 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Broad
Grameen Trust Chiapas Mexico 2009 * Mature NGO Low FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
ASA Pakistan Pakistan 2009 ** New NGO Non FI Solidarity Medium (Outreach) Profit Asia Small (Scale) Low end
ASA India India 2009 ** New NBFI Low FI Individual Large (Outreach) Profit Asia Large (Scale) Low end
Coop MEDA Colombia 2009 ** New Credit Union Low FI Individual Small (Outreach) Not for Profit LAC Medium (Scale) Broad
Consol Mexico 2009 * Young NBFI Non FI Individual/ Solidarity Small (Outreach) Profit LAC Medium (Scale) Broad
ProCredit Bank - ARM Armenia 2009 ** New Bank High FI Individual Small (Outreach) Profit ECA Large (Scale) Small Business
Phoenix + Tajikistan 2009 ** New NBFI Non FI Individual/ Solidarity Small (Outreach) Not for Profit ECA Small (Scale) Broad
OILA Colombia 2009 * New NGO Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
Coomultagro Colombia 2009 ** Mature Credit Union High FI Individual Small (Outreach) Not for Profit LAC Small (Scale) Broad
OMLA Argentina 2009 ** New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit LAC Small (Scale) Low end
FUNDESAN Colombia 2009 ** Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
BRAC - PAK Pakistan 2009 ** New NGO Low FI Individual Large (Outreach) Not for Profit Asia Medium (Scale) Low end
CARE - GTM Guatemala 2009 * Mature NGO Non FI Individual/ Solidarity Small (Outreach) Not for Profit LAC Small (Scale) Low end
UFSPL India 2009 ** New NBFI Low FI Individual Medium (Outreach) Profit Asia Small (Scale) Low end
Grade:
Intermediation
CECAW Cameroon 2009 ** Mature Credit Union High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Broad
UNRWA- SYR Syria 2009 * Young Other Non FI Individual Small (Outreach) Not for Profit MENA Medium (Scale) Low end
UNRWA- JOR Jordan 2009 * Young Other Non FI Individual Small (Outreach) Not for Profit MENA Medium (Scale) Broad
GTFS India 2009 ** New NBFI Non FI Individual Small (Outreach) Profit Asia Small (Scale) Low end
Sahara Utsarga India 2009 *** Mature NGO Low FI Village Banking Large (Outreach) Profit Asia Large (Scale) Low end
GSGSK India 2009 * Mature NGO Non FI Village Banking Large (Outreach) Not for Profit Asia Medium (Scale) Low end
IDF Financial Services India 2009 ** Young NGO Non FI Village Banking Large (Outreach) Profit Asia Large (Scale) Low end
SEWA MACTS India 2009 ** Mature High FI Village Banking Large (Outreach) Not for Profit Asia Medium (Scale) Low end
RORES India 2009 ** New NGO Low FI Solidarity Medium (Outreach) Not for Profit Asia Medium (Scale) Low end
FFSL India 2009 *** Mature NBFI Non FI Solidarity Large (Outreach) Profit Asia Large (Scale) Broad
Ehtirom Plus Uzbekistan 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
Imkon Express Invest Uzbekistan 2009 * New NBFI Non FI Individual/ Solidarity Small (Outreach) Profit ECA Small (Scale) Broad
Al-Barot Uzbekistan 2009 * New NBFI Non FI Solidarity Small (Outreach) Profit ECA Small (Scale) Low end
Sherdor Uzbekistan 2009 * Young Credit Union High FI Individual Small (Outreach) Not for Profit ECA Small (Scale) Small Business
Farz Foundation Pakistan 2009 ** New NGO Non FI Small (Outreach) Not for Profit Asia Small (Scale) Low end
Nano India 2009 ** Mature NBFI Non FI Solidarity Small (Outreach) Profit Asia Medium (Scale) Broad
VisionFund Albania Albania 2009 * Young NGO Non FI Individual Small (Outreach) Not for Profit ECA Medium (Scale) Broad
Peer Group Classifications
PEER GROUP
Age: New (0 to 4 Years)
Age: Young (5 to 8 Years)
Age: Mature ( > 8 Years)
Charter Type: Bank (Bank)
Charter Type: Credit Union (Credit Union)
Charter Type: NBFI (Non - Bank Financial Intermediary)
Charter Type: NGO (Non Government Organization)
Charter Type: Rural Bank (Rural Bank)
Financial Intermediation: Non FI (Savings/ Total Assets = 0)
Financial Intermediation: Low FI (Savings/ Total Assets > 0 and < 20%)
Financial Intermediation: High FI (Savings/ Total Assets 20%)
Methodology: Individual
Methodology: Individual/ Solidarity (Individual & Solidarity; or Individual, Solidarity & Village Banking)
Methodology: Solidarity
Methodology: Village Banking
Outreach: Small (Number of Borrowers < 10,000)
Outreach: Medium (Number of Borrowers 10,000 and 30,000)
Outreach: Large (Number of Borrowers > 30,000)
Profit Status: Profit
Profit Status: Not for Profit
Region: Africa (Sub - Saharan Africa)
Region: Asia (South & East Asia)
Region: ECA (Eastern Europe & Central Asia)
Region: LAC (Latin America & the Caribbean)
Region: MENA (Middle East & North Africa)
Scale: Small (GLP in USD, LAC < 4,000,000; Others<2,000,000)
Scale: Medium (GLP in USD, LAC 4,000,000 and 15,000,000; Others 2,000,000 and 8,000,000)
Scale: Large (GLP in USD, LAC > 15,000,000; Others>8,000,000)
Sustainability: FSS (Financial Self-Sufficiency > 100%)
Sustainability: Non-FSS (Financial Self-Sufficiency < 100%)
Target Market: Low End (Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150)
Target Market: Broad (Avg. Balance per Borrower/ GNI per Capita 20% and 150%)
Target Market: High End (Avg. Balance per Borrower/ GNI per Capita > 150% and 250%)
Target Market: Small Business (Avg. Balance per Borrower/ GNI per Capita > 250%)
About MIX
The Microfinance Information Exchange, Inc. is a non-profit company dedicated to improving the information
infrastructure of the microfinance industry in developing countries, by promoting standards of financial and operational
reporting, offering readily accessible data, and providing specialized information services. For further information please
visit www.themix.org
1901 Pennsylvania Avenue NW
Suite 307
Washington DC 20006
Tel: +1 (202) 659 9094
Fax: +1 (202) 659 9095
e-mail: info@themix.org
web site: www.themix.org
1 English Bahasa Indonesia Chinese
2 Table of Contents Table of Contents
3 Comparative Analysis Comparative Analysis Comparative Analysis
4 Adjusted and Reclassified Financial Statements Adjusted and Reclassified Financial Statements
5 Summary of Adjustments Summary of Adjustments
6 Indicator Definitions Indicator Definitions
7 Notes to Adjustments and Peer Groups Notes to Adjustments and Peer Groups
8 Financial Term Definitions Financial Term Definitions
9 Peer Group Classifications Peer Group Classifications
10 Benchmark Data Benchmark Data
11 About MIX About MIX MIX
12 Page 2 Page 2 Page 2
20 Back Cover Back Cover Back Cover
21 Using Customized Performance Reports Using Customized Performance Reports Using Customized Performance Reports
22 The MIX prepared this Customized Performance Report on the basis of information provided by your institution and other participating MFIs. This report provides managers and directors a tool with which to understand their institution's performance, standardized in accordance with internationally accepted terms, adjustments and indicators, and benchmarked with the performance data of other, similar institutions.Performance benchmarking is a comparative exercise that standardizes raw data and groups institutions to provide for meaningful comparative analysis. The account reclassifications, analytical adjustments and standardized ratios that the MIX employs increase comparability between institutional data sets. The peer groups used to compare institutions provide the context.Managers and board members will find this report and benchmarking useful in: > Situating their institution's performance within the spectrum of similar institutions > Identifying strengths and weaknesses of operational El MIX ha preparado este Informe de Desempeo Personalizado basado en la informacin proporcionada por su institucin y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistir a comprender el desempeo de sus instituciones, normalizado con acuerdo a los trminos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparacin de desempeo y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un anlisis de comparacin significativa. Las reclasificaciones de cuentas, ajustes analticos y la normalizacin de razones que MIX emplea aumenta la comparacin entre los datos institucionales de la serie. Los Grupos de IMFs Pares utilizados para comparar instituciones proporcionan el contexto.Gerentes y miembros de la junta directiva considerarn este reporte y el benchmarking til para: > La ubicacin del d El MIX ha preparado este Informe de Desempeo Personalizado basado en la informacin proporcionada por su institucin y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistir a comprender el desempeo de sus instituciones, normalizado con acuerdo a los trminos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparacin de desempeo y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un anlisis de comparacin significativa. Las reclasificaciones de cuentas, ajustes analticos y la normalizacin de razones que MIX emplea aumenta la comparacin entre los datos institucionales de la serie. Los Grupos de IMFs Pares utilizados para comparar instituciones proporcionan el contexto.Gerentes y miembros de la junta directiva considerarn este reporte y el benchmarking til para: > La ubicacin del d
23 This report will guide you through the MIX's benchmarking analysis of your institution. Each subsequent section reveals more of the underlying data and processes involved in the analysis. Read further to learn more. The comparative analysis, for example, gives the highlights of your institution's performance, synthesized through written analysis, graphs and tables. To understand the data behind the indicators, explore the adjusted financial statements, the raw inputs into the performance analysis summary, and the summary of adjustments that explains how analytical adjustments for minimal loan loss provisioning, subsidy and inflation impact your MFI's financial position. Notes on indicators, financial terms and adjustment policies provide more background material on the process and systems used for this analysis. Finally, for advanced users, the MIX provides comparative performance indicators for all peer groups published by the MicroBanking Bulletin to allow you to customize and further explore your own Este informe le guiar a travs de un anlisis comparativo de su institucin. Cada seccin subsiguiente revela ms datos esenciales y procesos involucrados en el anlisis. Continu leyendo para aprender ms. El anlisis comparativo, por ejemplo, destaca el desempeo de su institucin, sintetizado a travs de un anlisis por escrito con grficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analtico de desempeo, y el resumen de ajustes que explican el impacto analtico por ajustes de provisin para incobrables, subvencin e inflacin que afectan la posicin de su IMF. Las notas de los indicadores, trminos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este anlisis. Por ltimo, para los usuarios ms avanzados, el MIX proporciona indicadores de desempeo comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite perso Este informe le guiar a travs de un anlisis comparativo de su institucin. Cada seccin subsiguiente revela ms datos esenciales y procesos involucrados en el anlisis. Continu leyendo para aprender ms. El anlisis comparativo, por ejemplo, destaca el desempeo de su institucin, sintetizado a travs de un anlisis por escrito con grficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analtico de desempeo, y el resumen de ajustes que explican el impacto analtico por ajustes de provisin para incobrables, subvencin e inflacin que afectan la posicin de su IMF. Las notas de los indicadores, trminos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este anlisis. Por ltimo, para los usuarios ms avanzados, el MIX proporciona indicadores de desempeo comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite perso
26 Year: Tahun:
27 Data Quality Grade: Tingkat Kualitas Data:
28 Currency: Mata Uang:
29 US Dollar Dolar US
30 Unadjusted* Unadjusted*
31 Adjusted Disesuaikan
32 INSTITUTIONAL CHARACTERISTICS CIRI-CIRI KELEMBAGAAN
33 Number of MFIs Jumlah LKM MFI
34 Age Usia
35 Total Assets Jumlah Aktiva
36 Offices Kantor
37 Personnel Tenaga Kerja
38 FINANCING STRUCTURE STRUKTUR PEMBIAYAAN
39 Capital/ Asset Ratio Rasio Modal/Aktiva /
40 Commercial Funding Liabilities Ratio Rasio Kewajiban Pendanaan Komersial
41 Debt to Equity Rasio Hutang/Modal
42 Deposits to Loans Deposito berbanding Kredit
43 Deposits to Total Assets Deposito berbanding Jumlah Aktiva
44 Portfolio to Assets Portofolio Kredit Kotor/Jumlah Aktiva
45 OUTREACH INDICATORS INDIKATOR-INDIKATOR JANGKAUAN
46 Number of Active Borrowers Jumlah Peminjam Aktif
47 Percent of Women Borrowers Persentase Peminjam Wanita
48 Number of Loans Outstanding Jumlah Kredit Belum Lunas
49 Gross Loan Portfolio Portofolio Kredit Kotor
50 Average Loan Balance per Borrower Saldo Kredit Rata-rata per Peminjam
51 Average Loan Balance per Borrower/ GNI per Capita Saldo Kredit Rata-rata per Peminjam/ GNI per Kapita /
52 Average Outstanding Balance Saldo Rata-rata Belum Lunas
53 Average Outstanding Balance/ GNI per Capita Saldo Rata-rata Belum Lunas/ GNI per Kapita /
54 Number of Depositors Jumlah Penabung Sukarela
55 Number of Deposit Accounts Jumlah Rekening Penabung Sukarela
56 Deposits Tabungan Sukarela
57 Average Deposit Balance per Depositor Saldo Tabungan Rata-rata per Penabung
58 Average Deposit Balance per Depositor/ GNI per capita Average Deposit Balance per Depositor/ GNI per capita
59 Average Deposit Account Balance Saldo Rata-rata Rekening Tabungan
60 Average Deposit Account Balance/ GNI per capita Average Deposit Account Balance/ GNI per capita /
61 MACROECONOMIC INDICATORS INDIKATOR-INDIKATOR MAKRO EKONOMI
62 GNI per Capita GNI per Kapita
63 GDP Growth Rate Tingkat Pertumbuhan GDP GDP
64 Deposit Rate Tingkat Bunga Deposito
65 Inflation Rate Tingkat Inflasi
66 Financial Depth Kedalaman Keuangan
67 OVERALL FINANCIAL PERFORMANCE KINERJA KEUANGAN MENYELURUH
68 Return on Assets Return on Assets
69 Return on Equity ROE
70 Operational Self-Sufficiency Swasembada Operasional
71 Financial Self-Sufficiency Swasembada Keuangan
72 *Unadjusted data draw from unadjusted financial statements. Unadjusted loan and borrower information does not include the effect of standardized write-offs. *Unadjusted data draw from unadjusted financial statements. Unadjusted loan and borrower information does not include the effect of standardized write-offs. *Unadjusted data draw from unadjusted financial statements. Unadjusted loan and borrower information does not include the effect of standardized write-offs.
73 **MFI data are for the financial year ended **MFI data are for the financial year ended **MFI data are for the financial year ended
76 REVENUES HASIL
77 Financial Revenue/ Assets Financial Revenue/ Assets /
78 Profit Margin Margin Laba
79 Yield on Gross Portfolio (nominal) Keuntungan Portofolio Kotor (nominal)
80 Yield on Gross Portfolio (real) Keuntungan Portofolio Kotor (nyata)
81 EXPENSES PENGELUARAN
82 Total Expense/ Assets Jumlah Pengeluaran / Jumlah Aktiva /
83 Financial Expense/ Assets Financial Expense/ Assets /
84 Provision for Loan Impairment/ Assets Pengeluaran Penyisihan Penghapusan Kredit Macet / Jumlah Aktiva
85 Operating Expense/ Assets Operating Expense/ Assets /
86 Personnel Expense/ Assets Pengeluaran Personalia / Jumlah Aktiva /
87 Administrative Expense/ Assets Pengeluaran Administratif / Jumlah Aktiva /
88 Adjustment Expense/ Assets Pengeluaran Penyesuaian / Jumlah Aktiva /
89 EFFICIENCY EFISIENSI
90 Operating Expense/ Loan Portfolio Pengeluaran Operasional/Portofolio Kredit /
91 Personnel Expense/ Loan Portfolio Pengeluaran Personalia/Portofolio Kredit /
92 Average Salary/ GNI per Capita Gaji Rata-rata/GNI per Kapita /
93 Cost per Borrower Biaya per Peminjam
94 Cost per Loan Biaya per Kredit
95 PRODUCTIVITY PRODUKTIVITAS
96 Borrowers per Staff Member Peminjam berbanding Karyawan
97 Loans per Staff Member Kredit berbanding Karyawan
98 Borrowers per Loan Officer Peminjam berbanding Pejabat Kredit
99 Loans per Loan Officer Kredit berbanding Pejabat Kredit
100 Depositors per Staff Member Penabung Sukarela per Karyawan
101 Deposit Accounts per Staff Member Rekening Tabungan per Karyawan
102 Personnel Allocation Ratio Rasio Alokasi Personalia
103 RISK AND LIQUIDITY RISIKO DAN LIKUIDITAS
104 Portfolio at Risk > 30 Days Portofolio Yang Mengandung Risiko > 30 Hari >30
105 Portfolio at Risk > 90 Days Portofolio Yang Mengandung Risiko > 90 Hari >90
106 Write-off Ratio Rasio Penghapusan Kredit
107 Loan Loss Rate Tingkat Kredit Macet
108 Risk Coverage Ratio Perlindungan Risiko
109 Non-earning Liquid Assets as a % of Total Assets Aktiva Cair yang Tidak Menghasilkan sebagai % Jumlah Aktiva
110 Current Ratio Rasio Lancar
111 Adjusted and Reclassified Financial Statements Adjusted and Reclassified Financial Statements
112 BALANCE SHEET NERACA
113 Unadjusted Accounts Rekening-rekening yang Tidak Mengalami Penyesuaian
114 Adjusted Accounts Rekening-rekening yang Mengalami Penyesuaian
115 Cash and Due from Banks Kas dan Rekening Bank
116 Reserves from Central Bank Cadangan Bank Sentral
117 Trade Investments Kas dan Rekening Bank
118 Net Loan Portfolio Portofolio Kredit Bersih
120 (Impairment Loss Allowance) (Cadangan Penghapusan Kredit Macet)
121 Interest Receivable Bunga yang Masih Harus Diterima
122 Accounts Receivable and Other Assets Piutang dan Aktiva Lainnya
123 Other Investments Aktiva Keuangan Jangka Panjang
124 Net Fixed Assets Aktiva Tetap Bersih
125 Total Assets Jumlah Aktiva
126 Demand Deposits Rekening Koran
127 Voluntary Deposits Tabungan Sukarela
128 Compulsory Deposits Tabungan Wajib
129 Time Deposits Deposito Berjangka
130 Borrowings Pinjaman
131 Borrowings at concessional interest rates Pinjaman dengan suku bunga longgar
132 Borrowings at commercial interest rates Pinjaman dengan suku bunga komersial
133 Interest Payable Bunga yang Masih Harus Dibayar
134 Accounts Payable and Other Liabilities Hutang dan Kewajiban Lainnya
135 Total Liabilities Jumlah Pasiva/Kewajiban
136 Paid-in Capital Modal Disetor
137 Donated Equity Modal Sumbangan
138 Prior Years Tahun-tahun Lalu
139 Current Year Tahun Berjalan
140 Retained Earnings Laba Ditahan
141 Prior Years Tahun-tahun Lalu
142 Current Year Tahun Berjalan
143 Adjustments to Equity Adjustments to Equity
144 Inflation Adjustment Inflation Adjustment
145 Subsidized Costs of Funds Adjustment Subsidized Costs of Funds Adjustment Subsidized Costs of Funds Adjustment
146 In-Kind Subsidy Adjustment Biaya Subsidi Penyesuaian Sejenis
147 Reserves Cadangan
148 Other Equity Accounts Rekening Modal Lainnya
149 Total Equity Jumlah Modal
150 Total Liabilities and Equity Jumlah Pasiva/Kewajiban dan Modal
151 Currency Conversion Factor Faktor Konversi Mata Uang
152 Units Unit-unit
153 INCOME STATEMENT LAPORAN LABA RUGI
154 Financial Revenue Hasil Keuangan
155 Financial Revenue from Loan Portfolio Hasil Keuangan dari Portofolio Kredit
156 Interest on Loan Portfolio Bunga Portofolio Kredit
157 Fees and Commissions on Loan Portfolio Provisi dan Komisi Portofolio Kredit
158 Financial Revenue from Investments Hasil Keuangan dari Aktiva Keuangan Lainnya
159 Other Operating Revenue Hasil Lain yang Terkait dengan Jasa Keuangan
160 Financial Expense Pengeluaran Keuangan
161 Financial Expense on Funding Liabilities Pengeluaran Keuangan atas Pasiva/Kewajiban
162 Interest and Fee Expense on Deposits Pengeluaran Bunga dan Provisi atas Pinjaman
163 Interest and Fee Expense on Borrowings Interest and Fee Expense on Borrowings
164 Net Adjustment for Inflation Pengeluaran Penyesuaian Tingkat Inflasi Bersih
165 Inflation Adjustment to Equity Pengeluaran Penyesuaian Tingkat Inflasi
166 Inflation Adjustment to Fixed Assets Hasil Penyesuaian Tingkat Inflasi
167 Adjustment for Subsidized Cost of Funds Pengeluaran Penyesuaian Subsidi Biaya Dana
168 Other Financial Expense Pengeluaran Keuangan Lainnya
169 Net Financial Income Pendapatan Keuangan Bersih
170 Impairment Losses on Loans Pengeluaran Bersih Penyisihan Penghapusan Kredit
171 Provision for Loan Impairment Pengeluaran Penyisihan Penghapusan Kredit Macet
172 Value of Loans Recovered Penghapusan Kredit Macet yang Berhasil Ditagih Kembali
173 Operating Expense Pengeluaran Operasional
174 Personnel Expense Pengeluaran Personalia
175 Administrative Expense Pengeluaran Administratif
176 Rent and Utilities Rent and Utilities
177 Transportation Transportasi
178 Office Supplies Office Supplies
179 Depreciation and Amortization Penyusutan dan Amortisasi
180 Other Administrative Expense Pengeluaran Administratif Lainnya
181 Net Operating Income Pendapatan Operasional Bersih
182 Net Non-Operating Income Pendapatan Non-Operasional Bersih
183 Non-Operating Revenue Hasil Non-Operasional
184 Non-Operating Expense Pengeluaran Non-Operasional
185 Net Income (Before Taxes and Donations) Pendapatan Bersih (Sebelum Pajak dan Sumbangan)
186 Taxes Pajak
187 Net Income (After Taxes and Before Donations) Pendapatan Bersih (Setelah Pajak dan Sebelum Sumbangan)
188 Donations Sumbangan Subsidi Jasa Keuangan
189 Net Income (After Taxes and Donations) Pendapatan Bersih (Setelah Pajak dan Sumbangan)
190 Summary of Adjustments Summary of Adjustments
191 INFLATION ADJUSTMENT INFLATION ADJUSTMENT
192 Equity, beginning of period Equity, beginning of period
194 Inflation Adjustment to Equity Pengeluaran Penyesuaian Tingkat Inflasi
195 Net Fixed Assets, beginning of period Net Fixed Assets, beginning of period
197 Inflation Adjustment to Fixed Assets Hasil Penyesuaian Tingkat Inflasi
198 Net Adjustment for Inflation Pengeluaran Penyesuaian Tingkat Inflasi Bersih
199 COST OF FUNDS ADJUSTMENT COST OF FUNDS ADJUSTMENT
200 Borrowings, beginning of period Borrowings, beginning of period
201 Borrowings, end of period Borrowings, end of period
202 Borrowings, period average Borrowings, period average
203 Local market rate Local market rate
204 Cost of funds at market rate Cost of funds at market rate
205 Interest and Fee Expense on Borrowings Interest and Fee Expense on Borrowings
206 Adjustment for Subsidized Cost of Funds Pengeluaran Penyesuaian Subsidi Biaya Dana
207 WRITE-OFF ADJUSTMENT WRITE-OFF ADJUSTMENT
208 Unadjusted Gross Loan Portfolio Unadjusted Gross Loan Portfolio
209 PAR > 365 days PAR > 365 days 365
210 Adjusted Gross Loan Portfolio Adjusted Gross Loan Portfolio
211 Number of Loans Outstanding Jumlah Kredit Belum Lunas
212 No. of loans > 365 days No. of loans > 365 days 365
213 Adjusted Number of Loans Outstanding Adjusted Number of Loans Outstanding
214 LOAN LOSS PROVISION ADJUSTMENT LOAN LOSS PROVISION ADJUSTMENT
215 Renegotiated portfolio Renegotiated portfolio
216 Provision factor, renegotiated loans Provision factor, renegotiated loans
217 Reserve amount, renegotiated loans Reserve amount, renegotiated loans
218 Portfolio at Risk 91-180 days Portfolio at Risk 91-180 days 91-180
219 Provision factor, PAR 91-180 days Provision factor, PAR 91-180 days 90-180
220 Reserve amount, PAR 91-180 days Reserve amount, PAR 91-180 days 91-180
221 Portfolio at Risk 180-365 days Portfolio at Risk 180-365 days 180-365
222 Provision factor, PAR 180-365 days Provision factor, PAR 180-365 days 180-365
223 Reserve amount, PAR 180-365 days Reserve amount, PAR 180-365 days 180-365
224 Minimal Adjusted Loan Loss Reserve Minimal Adjusted Loan Loss Reserve
225 Unadjusted Gross Loan Portfolio Unadjusted Gross Loan Portfolio
226 Unadjusted Impairment Loss Allowance Unadjusted Impairment Loss Allowance
227 Unadjusted Net Loan Portfolio Unadjusted Net Loan Portfolio
228 Adjusted Gross Loan Portfolio Adjusted Gross Loan Portfolio
229 Adjusted Impairment Loss Allowance Adjusted Impairment Loss Allowance
230 Adjusted Net Loan Portfolio Adjusted Net Loan Portfolio
231 Difference, Adj. and Unadj. Net Loan Portfolio Difference, Adj. and Unadj. Net Loan Portfolio
232 Unadjusted Provision for Loan Impairment Unadjusted Provision for Loan Impairment
233 Adjusted Provision for Loan Impairment Adjusted Provision for Loan Impairment
234 IN KIND SUBSIDY ADJUSTMENT IN KIND SUBSIDY ADJUSTMENT
235 Category of donation Category of donation
236 Personnel Tenaga Kerja
237 Rent and utilities Rent and utilities
238 Transportation Transportasi
239 Office supplies Office supplies
240 Other Other
241 Total TOTAL
242 Applied: Applied:
243 Stated value Stated value
244 IMF, International Financial Statistics, line 64x. IMF, International Financial Statistics, line 64x. 64
245 Effect: Enters as a separate equity account, offsets Net Income. Effect: Enters as a separate equity account, offsets Net Income.
246 IMF, International Financial Statistics, line 64x. IMF, International Financial Statistics, line 64x. 64
247 Effect: Increases Fixed Assets, Total Assets. Effect: Increases Fixed Assets, Total Assets.
248 Effect: Increases Financial Expense, decreasing Net Operating Income, Net Income (Note: If Fixed Assets exceed Equity, Financial Expense will decrease, increasing Net Operating Income, Net Income). Effect: Increases Financial Expense, decreasing Net Operating Income, Net Income (Note: If Fixed Assets exceed Equity, Financial Expense will decrease, increasing Net Operating Income, Net Income).
249 IMF, International Financial Statistics, line 60L. IMF, International Financial Statistics, line 60L. 60
250 Effect: Increases Financial Expense, decreases Net Operating Income, Net Income. Effect: Increases Financial Expense, decreases Net Operating Income, Net Income.
251 Effect: Decreases Net Loan Portfolio and increases Loan Loss Provision Expense if Loan Loss Reserve is insufficient to cover provisioning and write-off adjustments. Effect: Decreases Net Loan Portfolio and increases Loan Loss Provision Expense if Loan Loss Reserve is insufficient to cover provisioning and write-off adjustments.
252 Effect: Decreases Net Operating Income, Net Income. Effect: Decreases Net Operating Income, Net Income.
253 Adjustment Adjustment
254 Effect: Increases total Operating Expense, reduces Net Operating Income, Net Income. Effect: Increases total Operating Expense, reduces Net Operating Income, Net Income.
255 Indicator Definitions Indicator Definitions
256 Sample Size of Group Contoh ukuran kelompok
257 Years Functioning as an MFI Berapa tahun berfungsi sebagai LKM
258 Total Assets, adjusted for Inflation and standardized provisioning for loan impairment and write-offs Total Assets, adjusted for Inflation and standardized provisioning for loan impairment and write-offs
259 Number, including head office Jumlah kantor, termasuk kantor pusat
260 Total number of staff members Jumlah karyawan
261 Adjusted Total Equity/ Adjusted Total Assets Jumlah Modal yang Disesuaikan/Jumlah Aktiva yang Disesuaikan /
262 (Voluntary and Time Deposits + Borrowings at Commercial Interest Rates) / Adjusted Average Gross Loan Portfolio Seluruh kewajiban dengan harga "pasar"/Portofolio Kredit Kotor yang Disesuaikan +/
263 Adjusted Total Liabilities/ Adjusted Total Equity Jumlah Kewajiban yang Disesuaikan/Jumlah Modal yang Disesuaikan /
264 Deposits/ Adjusted Gross Loan Portfolio Tabungan Sukarela/Portofolio Kredit Kotor yang Disesuaikan /
265 Deposits/ Adjusted Total Assets Tabungan Sukarela/Jumlah Aktiva yang Disesuaikan /
266 Adjusted Gross Loan Portfolio/ Adjusted Total Assets Portofolio Kredit Kotor yang Disesuaikan/Jumlah Aktiva yang Disesuaikan /
267 Number of borrowers with loans outstanding, adjusted for standardized write-offs Jumlah peminjam yang hutangnya belum lunas, yang disesuaikan untuk penyeragaman penghapusan
268 Number of active women borrowers/ Adjusted Number of Active Borrowers Jumlah peminjam aktif wanita/Jumlah peminjam aktif yang disesuaikan /
269 Number of loans outstanding, adjusted for standardized write-offs Jumlah kredit belum lunas, yang disesuaikan untuk penyeragaman penghapusan kredit macet
270 Gross Loan Portfolio, adjusted for standardized write-offsPortofolio Kredit Kotor, yang disesuaikan untuk penyeragaman penghapusan kredit macet
271 Adjusted Gross Loan Portfolio/ Adjusted Number of Active Borrowers Portofolio Kredit Kotor yang Disesuaikan/ Jumlah Peminjam Aktif yang Disesuaikan /
272 Adjusted Average Loan Balance per Borrower/ GNI per Capita Saldo Rata-rata Kredit yang Disesuaikan per Peminjam/GNI per Kapita /
273 Adjusted Gross Loan Portfolio/ Adjusted Number of Loans Outstanding Portofolio Kredit Kotor yang Disesuaikan/ Jumlah Kredit Belum Lunas yang Disesuaikan /
274 Adjusted Average Outstanding Balance/ GNI per Capita Saldo Belum Lunas Rata-rata yang Disesuaikan/GNI per Kapita /
275 Number of depositors with any type of deposit account Jumlah rekening tabungan sukarela rekening koran dan deposito berjangka
276 Number of all deposit accounts 0 0
277 Total value of all deposit accounts Jumlah nilai rekening tabungan sukarela rekening koran dan deposito berjangka
278 Deposits/ Number of Depositors Tabungan Sukarela/Jumlah Penabung Sukarela /
279 Average Deposit Balance per Depositor/ GNI per capita Average Deposit Balance per Depositor/ GNI per capita
280 Depositors/ Number of Deposit Accounts Tabungan Sukarela/Jumlah Rekening Tabungan Sukarela /
281 Average Deposit Account Balance/ GNI per capita Average Deposit Account Balance/ GNI per capita /
282 Total income generated by a country's residents, irrespective of location / Total number of residents (World Development Indicators) Total income generated by a country's residents, irrespective of location / Total number of residents (World Development Indicators)
283 Annual growth in the total output of goods and services occurring within the territory of a given country (World Development Indicators) Annual growth in the total output of goods and services occurring within the territory of a given country (World Development Indicators)
284 Interest rate offered to resident customers for demand, time, or savings deposits (IMF/International Financial Statistics) Interest rate offered to resident customers for demand, time, or savings deposits (IMF/International Financial Statistics)
285 Annual change in average consumer prices (IMF/International Financial Statistics) Annual change in average consumer prices (IMF/International Financial Statistics)
286 Money aggregate including currency, deposits and electronic currency (M3) / GDP, measuring the monetization of the economy (IMF/International Financial Statistics) Money aggregate including currency, deposits and electronic currency (M3) / GDP, measuring the monetization of the economy (IMF/International Financial Statistics) (M3)/
287 (Adjusted Net Operating Income - Taxes)/ Adjusted Average Total Assets Pendapatan Operasional Bersih yang Disesuaikan, bersih dari pajak/Jumlah Rata-rata Aktiva yang Disesuaikan -/
288 (Adjusted Net Operating Income - Taxes)/ Adjusted Average Total Equity Pendapatan Operasional Bersih yang Disesuaikan, bersih dari pajak/Jumlah Rata-rata Modal yang Disesuaikan -/
289 Financial Revenue/ (Financial Expense + Impairment Losses on Loans + Operating Expense) Hasil Keuangan/(Pengeluaran Keuangan + Pengeluaran Penyisihan Penghapusan Kredit Macet Bersih + Pengeluaran Operasional) /+ +
290 Adjusted Financial Revenue/ Adjusted (Financial Expense + Impairment Losses on Loans + Operating Expense) Hasil Keuangan yang Disesuaikan/ Penyesuaian (Pengeluaran Keuangan + Pengeluaran Bersih Penyisihan Penghapusan Kredit Macet + Pengeluaran Operasional) /++
291 Adjusted Financial Revenue/ Adjusted Average Total Assets Hasil Keuangan yang Disesuaikan/ Jumlah Rata-rata Aktiva yang Disesuaikan /
292 Adjusted Net Operating Income/ Adjusted Financial Revenue Pendapatan Operasional Bersih yang Disesuaikan/ Hasil Keuangan yang Disesuaikan /
293 Adjusted Financial Revenue from Loan Portfolio/ Adjusted Average Gross Loan Portfolio Hasil Keuangan dari Portofolio Kredit yang Disesuaikan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan /
294 (Adjusted Yield on Gross Portfolio (nominal) - Inflation Rate)/ (1 + Inflation Rate) (Keuntungan Portofolio Kredit (nominal) yang Disesuaikan - Tingkat Inflasi)/(1 + Tingkat Inflasi) -)/(1+
295 Adjusted (Financial Expense + Net Impairment Loss + Operating Expense) / Adjusted Average Total Assets Penyesuaian (Pengeluaran Keuangan + Pengeluaran Bersih Penyisihan Penghapusan Kredit Macet + Pengeluaran Operasional)/Jumlah Rata-rata Aktiva yang Disesuaikan ++/
296 Adjusted Financial Expense/ Adjusted Average Total Assets Pengeluaran Keuangan yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan /
297 Adjusted Impairment Losses on Loans/ Adjusted Average Total Assets Pengeluaran Bersih Penyisihan Penghapusan Kredit yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan /
298 Adjusted Operating Expense/ Adjusted Average Total Assets Pengeluaran Operasional yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan /
299 Adjusted Personnel Expense/ Adjusted Average Total Assets Pengeluaran Personalia yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan /
300 Adjusted Administrative Expense/ Adjusted Average Total Assets Pengeluaran Administratif yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan /
301 (Unadjusted Net Operating Income - Adjusted Net Operating Income)/ Adjusted Average Total Assets (Unadjusted Net Operating Income - Adjusted Net Operating Income)/ Adjusted Average Total Assets -/
302 Adjusted Operating Expense/ Adjusted Average Gross Loan Portfolio Pengeluaran Operasional yang Disesuaikan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan /
303 Adjusted Personnel Expense/ Adjusted Average Gross Loan Portfolio Pengeluaran Personalia yang disesuaikan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan /
304 Adjusted Average Personnel Expense/ GNI per capita Pengeluaran Rata-rata Personalia yang Disesuaikan/GNI per kapita /
305 Adjusted Operating Expense/ Adjusted Average Number of Active Borrowers Pengeluaran Operasional yang Disesuaikan/Jumlah Rata-rata Peminjam Aktif yang Disesuaikan /
306 Adjusted Operating Expense/ Adjusted Average Number of Loans Pengeluaran Operasional yang Disesuaikan/Jumlah Rata-rata Kredit yang Disesuaikan /
307 Adjusted Number of Active Borrowers/ Number of Personnel Jumlah Peminjam Aktif yang Disesuaikan/Jumlah Karyawan /
308 Adjusted Number of Loans Outstanding/Number of Personnel Jumlah Kredit Belum Lunas yang Disesuaikan/ Jumlah Karyawan /
309 Adjusted Number of Active Borrowers/ Number of Loan Officers Jumlah Peminjam Aktif yang Disesuaikan/Jumlah Pejabat Kredit /
310 Adjusted Number of Loans Outstanding/ Number of Loan Officers Jumlah Kredit Belum Lunas yang Disesuaikan/ Jumlah Pejabat Kredit /
311 Number of Depositors/ Number of Personnel Jumlah Penabung Sukarela/Jumlah Karyawan /
312 Number of Deposit Accounts/ Number of Personnel Jumlah Rekening Tabungan/Jumlah Karyawan /
313 Number of Loan Officers/ Number of Personnel Jumlah Pejabat Kredit/Jumlah Karyawan /
314 Outstanding balance, portfolio overdue> 30 Days + renegotiated portfolio/ Adjusted Gross Loan Portfolio Saldo belum lunas, tunggakan kredit > 30 Hari/ Portofolio Kotor Kredit yang Disesuaikan >30+/
315 Outstanding balance, portfolio overdue> 90 Days + renegotiated portfolio/ Adjusted Gross Loan Portfolio Saldo belum lunas, tunggakan kredit > 90 Hari/ Portofolio Kotor Kredit yang Disesuaikan >90+/
316 Adjusted Value of loans written-off/ Adjusted Average Gross Loan Portfolio Nilai kredit yang dihapusbukukan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan /
317 (Adjusted Write-offs - Value of Loans Recovered)/ Adjusted Average Gross Loan Portfolio Penyesuaian Penghapusan Kredit Macet, bersih dari yang berhasil ditagih kembali/Portofolio Kotor Rata-rata Kredit yang Disesuaikan -/
318 Adjusted Impairment Loss Allowance/ PAR > 30 Days Cadangan Penghapusan Kredit Macet yang Disesuaikan/PAR > 30 Hari /PAR>30
319 Adjusted Cash and banks/ Adjusted Total Assets Kas dan Bank yang Disesuaikan/Jumlah Aktiva yang Disesuaikan /
320 Short Term Assets/ Short Term Liabilities Aktiva Jangka Pendek/Kewajiban Jangka Pendek /
321 Notes to Adjustments and Peer Groups Notes to Adjustments and Peer Groups
322 MIX analysis is based on comparison among peer groups of like institutions, classified using criteria such as program size, poverty level of the target group, region and level of financial intermediation. The financial results we generate are adjusted to ensure comparability, taking into account the effect of inflation, of subsidy levels, and of differences in loan loss provisioning. This report gives you both an accurate picture of your financial results and a comparison to those of your peers. MIX analysis is based on comparison among peer groups of like institutions, classified using criteria such as program size, poverty level of the target group, region and level of financial intermediation. The financial results we generate are adjusted to ensure comparability, taking into account the effect of inflation, of subsidy levels, and of differences in loan loss provisioning. This report gives you both an accurate picture of your financial results and a comparison to those of your peers. MIX analysis is based on comparison among peer groups of like institutions, classified using criteria such as program size, poverty level of the target group, region and level of financial intermediation. The financial results we generate are adjusted to ensure comparability, taking into account the effect of inflation, of subsidy levels, and of differences in loan loss provisioning. This report gives you both an accurate picture of your financial results and a comparison to those of your peers.
323 Peer Group Criteria and Information Quality Peer Group Criteria and Information Quality Peer Group Criteria and Information Quality
324 The information included in the peer group averages is not independently verified. It is self-reported data voluntarily submitted by institutions like yours. We have represented our comfort level with the data provided for each peer group with a Data Quality grading. The information included in the peer group averages is not independently verified. It is self-reported data voluntarily submitted by institutions like yours. We have represented our comfort level with the data provided for each peer group with a Data Quality grading. The information included in the peer group averages is not independently verified. It is self-reported data voluntarily submitted by institutions like yours. We have represented our comfort level with the data provided for each peer group with a Data Quality grading.
325 The Bulletin classifies information from participating institutions according to the degree to which we have independent verification of its reliability. Information with *** has been independently generated through a detailed financial analysis by an independent third party, such as a CAMEL evaluation, a CGAP appraisal, or assessments by reputed rating agencies. Information with ** is backed by accompanying documentation, such as audited financial statements, annual reports, and independent program evaluations that provide a reasonable degree of confidence for our adjustments. Information with * is from MFIs that have limited themselves to completing our questionnaire. These ratings signify confidence levels on the reliability of the information; they are not intended as a rating of the financial performance of the MFIs. The Bulletin classifies information from participating institutions according to the degree to which we have independent verification of its reliability. Information with *** has been independently generated through a detailed financial analysis by an independent third party, such as a CAMEL evaluation, a CGAP appraisal, or assessments by reputed rating agencies. Information with ** is backed by accompanying documentation, such as audited financial statements, annual reports, and independent program evaluations that provide a reasonable degree of confidence for our adjustments. Information with * is from MFIs that have limited themselves to completing our questionnaire. These ratings signify confidence levels on the reliability of the information; they are not intended as a rating of the financial performance of the MFIs. The Bulletin classifies information from participating institutions according to the degree to which we have independent verification of its reliability. Information with *** has been independently generated through a detailed financial analysis by an independent third party, such as a CAMEL evaluation, a CGAP appraisal, or assessments by reputed rating agencies. Information with ** is backed by accompanying documentation, such as audited financial statements, annual reports, and independent program evaluations that provide a reasonable degree of confidence for our adjustments. Information with * is from MFIs that have limited themselves to completing our questionnaire. These ratings signify confidence levels on the reliability of the information; they are not intended as a rating of the financial performance of the MFIs.
326 Neither the Editorial Staff, nor the Advisory and Review Panel, nor the MIX can be held responsible for the validity of the information presented here. Neither the Editorial Staff, nor the Advisory and Review Panel, nor the MIX can be held responsible for the validity of the information presented here. Neither the Editorial Staff, nor the Advisory and Review Panel, nor the MIX can be held responsible for the validity of the information presented here.
327 A brief description of the peer groups, their members and the number of MFIs in each peer group classified by the information quality rating assigned to each is provided page 12. Full details are available in The MicroBanking Bulletin. A brief description of the peer groups, their members and the number of MFIs in each peer group classified by the information quality rating assigned to each is provided page 12. Full details are available in The MicroBanking Bulletin. A brief description of the peer groups, their members and the number of MFIs in each peer group classified by the information quality rating assigned to each is provided page 12. Full details are available in The MicroBanking Bulletin.
328 Adjustments Penyesuaian
329 We have adjusted the cost of funds on income statements for all MFIs to take into account the effect of inflation on an institutions equity over time. This adjustment takes the form of a net expense account on the income statement, reducing reported net income. It is offset by an equity account, which shows the distribution between real net income and the effect of inflation on equity. The financial results of all MFIs include this adjustment, except those that use a generally accepted method of inflation-based accounting. We have adjusted the cost of funds on income statements for all MFIs to take into account the effect of inflation on an institutions equity over time. This adjustment takes the form of a net expense account on the income statement, reducing reported net income. It is offset by an equity account, which shows the distribution between real net income and the effect of inflation on equity. The financial results of all MFIs include this adjustment, except those that use a generally accepted method of inflation-based accounting. We have adjusted the cost of funds on income statements for all MFIs to take into account the effect of inflation on an institutions equity over time. This adjustment takes the form of a net expense account on the income statement, reducing reported net income. It is offset by an equity account, which shows the distribution between real net income and the effect of inflation on equity. The financial results of all MFIs include this adjustment, except those that use a generally accepted method of inflation-based accounting.
330 Income reporting has also been adjusted for most MFIs to show real profits without the presence of subsidies. Adjustment for subsidies to the cost of funds is the most common adjustment made to results of MFIs participating in this round. We add an additional cost for any liabilities bearing interest rates which are substantially lower than the market price, to be able to compare institutions with widely varying levels of subsidy as though they were unsubsidized. Determining the market price is a difficult issue. However, for purposes of comparison, the most important issue is that whatever rule we choose must be applied consistently across institutions. We have chosen to use the deposit rate as reported by the IMF as the shadow price for market interest rates. Donations are also separated, and profits are calculated on the basis of only operational income and expenses. Finally, we take into account in-kind subsidies by including any costs such as a directors salary, free rent, or other operationa Income reporting has also been adjusted for most MFIs to show real profits without the presence of subsidies. Adjustment for subsidies to the cost of funds is the most common adjustment made to results of MFIs participating in this round. We add an additional cost for any liabilities bearing interest rates which are substantially lower than the market price, to be able to compare institutions with widely varying levels of subsidy as though they were unsubsidized. Determining the market price is a difficult issue. However, for purposes of comparison, the most important issue is that whatever rule we choose must be applied consistently across institutions. We have chosen to use the deposit rate as reported by the IMF as the shadow price for market interest rates. Donations are also separated, and profits are calculated on the basis of only operational income and expenses. Finally, we take into account in-kind subsidies by including any costs such as a directors salary, free rent, or other operationa Income reporting has also been adjusted for most MFIs to show real profits without the presence of subsidies. Adjustment for subsidies to the cost of funds is the most common adjustment made to results of MFIs participating in this round. We add an additional cost for any liabilities bearing interest rates which are substantially lower than the market price, to be able to compare institutions with widely varying levels of subsidy as though they were unsubsidized. Determining the market price is a difficult issue. However, for purposes of comparison, the most important issue is that whatever rule we choose must be applied consistently across institutions. We have chosen to use the deposit rate as reported by the IMF as the shadow price for market interest rates. Donations are also separated, and profits are calculated on the basis of only operational income and expenses. Finally, we take into account in-kind subsidies by including any costs such as a directors salary, free rent, or other operationa
331 Lastly, we standardize loan loss provisioning and write off policies. We provision for 50% of the outstanding balance of loans that are past-due more than 90 days but less than 180 days or are rescheduled, and 100% of the balance of overdue loans over 180 days. Any loans outstanding more than 365 days are fully written off. Lastly, we standardize loan loss provisioning and write off policies. We provision for 50% of the outstanding balance of loans that are past-due more than 90 days but less than 180 days or are rescheduled, and 100% of the balance of overdue loans over 180 days. Any loans outstanding more than 365 days are fully written off. Lastly, we standardize loan loss provisioning and write off policies. We provision for 50% of the outstanding balance of loans that are past-due more than 90 days but less than 180 days or are rescheduled, and 100% of the balance of overdue loans over 180 days. Any loans outstanding more than 365 days are fully written off.
333 BALANCE SHEET NERACA
334 TOTAL ASSETS Jumlah Aktiva
335 TOTAL LIABILITIES Jumlah Pasiva/Kewajiban
336 TOTAL EQUITY Jumlah Modal
337 TOTAL LIABILITIES AND EQUITY Jumlah Pasiva/Kewajiban dan Modal
338 Cash, petty cash, balances in banks, including non-interest bearing deposits Cash, petty cash, balances in banks, including non-interest bearing deposits
339 Cash reserves in a central bank Cash reserves in a central bank
340 Treasury bills and other short term investments, including interest-bearing deposits, convertible to cash within 12 months. Usually used in liquidity management. Treasury bills and other short term investments, including interest-bearing deposits, convertible to cash within 12 months. Usually used in liquidity management. 12
341 Gross Loan Portfolio minus Loan Loss Reserve Gross Loan Portfolio minus Loan Loss Reserve
342 All outstanding principal for all outstanding client loans, including current, delinquent and restructured loans, but not loans that have been written off. It does not include interest receivable. It does not include employee loans. All outstanding principal for all outstanding client loans, including current, delinquent and restructured loans, but not loans that have been written off. It does not include interest receivable. It does not include employee loans.
343 The portion of the gross loan portfolio that has been expensed (provisioned for) in anticipation of losses due to default. This item represents the cumulative value of the loan loss provision expense, less the cumulative value of loans written off. The portion of the gross loan portfolio that has been expensed (provisioned for) in anticipation of losses due to default. This item represents the cumulative value of the loan loss provision expense, less the cumulative value of loans written off.
344 Interest receivable on all asset accounts. Recorded by institutions using accrual accounting. Interest receivable on all asset accounts. Recorded by institutions using accrual accounting.
345 Accounts receivable, notes receivables and other receivables. This includes all receivables other than client loan accounts, including employee loans. Accounts receivable, notes receivables and other receivables. This includes all receivables other than client loan accounts, including employee loans.
346 Long term investments not convertible to cash within 12 months Long term investments not convertible to cash within 12 months 12
347 The purchase value of property, plant and equipment, less accumulated depreciation. This includes intangibles, such as MIS development or goodwill, less accumulated amortization. The purchase value of property, plant and equipment, less accumulated depreciation. This includes intangibles, such as MIS development or goodwill, less accumulated amortization. MIS
348 Total of all net asset accounts Total of all net asset accounts
349 Total of Voluntary and Compulsory Savings Total of Voluntary and Compulsory Savings
350 Demand deposits from the general public and members that are not maintained as a condition for accessing a current or future loan and are held with the institution Demand deposits from the general public and members that are not maintained as a condition for accessing a current or future loan and are held with the institution
351 Client savings accounts that are maintained as a condition for a current or future loan and are held with the institution Client savings accounts that are maintained as a condition for a current or future loan and are held with the institution
352 Certificates of deposit or other fixed term deposits Certificates of deposit or other fixed term deposits
353 Total of Commercial and Concessional Borrowings Total of Commercial and Concessional Borrowings
354 Principal balance of all borrowings, including overdraft accounts, for which the institution pays a nominal rate of interest that is less than the local commercial interest rate Principal balance of all borrowings, including overdraft accounts, for which the institution pays a nominal rate of interest that is less than the local commercial interest rate
355 Principal balance of all borrowings, including overdraft accounts, for which the institution pays a nominal rate of interest that is greater than to or equal to the local commercial interest rate Principal balance of all borrowings, including overdraft accounts, for which the institution pays a nominal rate of interest that is greater than to or equal to the local commercial interest rate
356 Interest payable on all liability accounts. Recorded by institutions using accrual accounting. Interest payable on all liability accounts. Recorded by institutions using accrual accounting.
357 Other liabilities including tax and salary liabilities, social withholdings, deferred income, other accounts payable, including liabilities that do not fund the portfolio, such as mortgages on real estate. Other liabilities including tax and salary liabilities, social withholdings, deferred income, other accounts payable, including liabilities that do not fund the portfolio, such as mortgages on real estate.
358 Total of all liability accounts Total of all liability accounts
359 Capital paid by shareholders or members Capital paid by shareholders or members
360 Accumulated donations Accumulated donations
361 Accumulated donations from prior periods Accumulated donations from prior periods
362 Donations from the current year Donations from the current year
363 Accumulated net income after taxes and before donations Accumulated net income after taxes and before donations
364 Accumulated net income after taxes and before donations from prior periods Accumulated net income after taxes and before donations from prior periods
365 Net income after taxes and before donations from the current year Net income after taxes and before donations from the current year
366 Value of all adjustments, including inflation adjustment Value of all adjustments, including inflation adjustment
367 Value of inflation adjustment expense Value of inflation adjustment expense
368 Value of subsidized cost of funds adjustment expense Value of subsidized cost of funds adjustment expense
369 Value of in-kind subsidy adjustment Value of in-kind subsidy adjustment
370 Reserves such as those imposed by law or statute. Reserves such as those imposed by law or statute.
371 Other equity accounts not included elsewhere Other equity accounts not included elsewhere
372 Total of all equity accounts Total of all equity accounts
373 Total of Total Liabilities and Total Equity Total of Total Liabilities and Total Equity
375 NET FINANCIAL INCOME Pendapatan Keuangan Bersih
376 NET OPERATING INCOME Pendapatan Operasional Bersih
377 NET INCOME (BEFORE TAXES AND DONATIONS) Pendapatan Bersih (Sebelum Pajak dan Sumbangan)
378 NET INCOME (AFTER TAXES AND BEFORE DONATIONS) Pendapatan Bersih (Setelah Pajak dan Sebelum Sumbangan)
379 NET INCOME (AFTER TAXES AND DONATIONS) Pendapatan Bersih (Setelah Pajak dan Sumbangan)
380 Total of revenue from loan portfolio and other financial assets, as well as other financial revenue from financial services Total of revenue from loan portfolio and other financial assets, as well as other financial revenue from financial services
381 Total interest, fees and commission on loan portfolio Total interest, fees and commission on loan portfolio
382 Interest earned on loan portfolio Interest earned on loan portfolio
383 Penalties, commissions and other fees charged on loan portfolio Penalties, commissions and other fees charged on loan portfolio
384 Net gains on other financial assets Net gains on other financial assets
385 Other revenue from provision of financial services, including revenue from insurance or transfer services or non-financial revenue from the provision of financial services, such as the sale of passbooks or SmartCards. This account also include net exchange gains. Other revenue from provision of financial services, including revenue from insurance or transfer services or non-financial revenue from the provision of financial services, such as the sale of passbooks or SmartCards. This account also include net exchange gains. Other revenue from provision of financial services, including revenue from insurance or transfer services or non-financial revenue from the provision of financial services, such as the sale of passbooks or SmartCards. This account also include net exchange gains.
386 Total of financial expense on liabilities, net inflation adjustment, cost-of-funds adjustment and other expenses from financial services Total of financial expense on liabilities, net inflation adjustment, cost-of-funds adjustment and other expenses from financial services
387 Total of interest and fees paid on deposits and borrowings Total of interest and fees paid on deposits and borrowings
388 Interest and fees paid on demand or term deposits Interest and fees paid on demand or term deposits
389 Interest and fees paid on borrowings Interest and fees paid on borrowings
390 Reserved for institutions that use inflation based accounting. Net amount of inflation adjustment. Reserved for institutions that use inflation based accounting. Net amount of inflation adjustment.
391 Cost of maintaining the value of the institution's equity Cost of maintaining the value of the institution's equity
392 Gain on the value of fixed assets due to inflation Gain on the value of fixed assets due to inflation
393 Adjustment expense for difference between market rate and concessional rate on borrowings Adjustment expense for difference between market rate and concessional rate on borrowings
394 Other expenses from provision of financial services, including non-financial expenses on financial products, as well as net exchange depreciation Other expenses from provision of financial services, including non-financial expenses on financial products, as well as net exchange depreciation
395 Financial Revenue minus Financial Expense Financial Revenue minus Financial Expense
396 Sum of loan loss provision expense and recovery on loans written off Sum of loan loss provision expense and recovery on loans written off
397 Loan Loss Provision Expense for the period Loan Loss Provision Expense for the period
398 Total recovery on loans written off Total recovery on loans written off
399 Total of Personnel Expense and Administrative ExpenseTotal of Personnel Expense and Administrative Expense
400 Salaries, withholdings, fringe benefits and personnel taxes paid on all those who work for the institution Salaries, withholdings, fringe benefits and personnel taxes paid on all those who work for the institution
401 Total of Rent and Utilities, Transportation, Office Supplies, Depreciation and Other Administrative Expenses Total of Rent and Utilities, Transportation, Office Supplies, Depreciation and Other Administrative Expenses
402 Rent and utility charges Rent and utility charges
403 Transportation of staff to attend to clients and to manage operations Transportation of staff to attend to clients and to manage operations
404 Printed matter, supplies, photocopies, books, etc. Printed matter, supplies, photocopies, books, etc.
405 Allowance for deterioration, eventual replacement of equipment Allowance for deterioration, eventual replacement of equipment
406 Other non-personnel administrative expenses Other non-personnel administrative expenses
407 Financial Revenue less Financial Expense, Net Loan Loss Provision Expense and Operating Expense Financial Revenue less Financial Expense, Net Loan Loss Provision Expense and Operating Expense
408 Non-operating Revenue less Non-operating Expense Non-operating Revenue less Non-operating Expense
409 Revenue from activity unrelated to the MFI's core activity of providing financial services. This could include consulting income, sale of IT products, or fees for business development services (BDS). Revenue from activity unrelated to the MFI's core activity of providing financial services. This could include consulting income, sale of IT products, or fees for business development services (BDS). MFIITBDS
410 Expenses from activity unrelated to the MFIs core activity of providing financial services, such as BDS development costs or consulting expenses Expenses from activity unrelated to the MFIs core activity of providing financial services, such as BDS development costs or consulting expenses MFIBDS
411 Net Operating Income less Net Non-operating Income Net Operating Income less Net Non-operating Income -
412 Includes all taxes paid on Net Income or other measure of profits as defined by local tax authorities. Includes all taxes paid on Net Income or other measure of profits as defined by local tax authorities. Includes all taxes paid on Net Income or other measure of profits as defined by local tax authorities.
413 Net Income (before Taxes and Donations) less Taxes Net Income (before Taxes and Donations) less Taxes
414 Donations made to the MFI to subsidize its operations Donations made to the MFI to subsidize its operations
415 Net Income (after Taxes and before Donations) plus Donations. Net Income (after Taxes and before Donations) plus Donations. Net Income (after Taxes and before Donations) plus Donations.
416
417
418 INSTITUTIONAL CHARACTERISTICS CIRI-CIRI KELEMBAGAAN
419 Peer Group 1 Peer Group 1 Peer Group 1
425 Africa Afrika
426 Asia Asia
427 ECA ECA
428 LAC LAC
429 MENA MENA
430 Bank Bank Bank
431 Credit Union Credit Union
432 NBFI NBFI
433 NGO NGO
434 Rural Bank Rural Bank
435 All MFIs All MFIs All MFIs
436 FSS FSS
437 Non-FSS Non-FSS
438 Profit Profit
439 Not for Profit Not for Profit
440 Low end Low end
441 Broad Broad
442 High end High end
443 Small Business Small Business
444 Individual Individual
445 Individual/ Solidarity Individual/ Solidarity
446 Solidarity Solidarity
447 Village Banking Village Banking
448 New Baru
449 Young Young
450 Mature Mature
451 Small (Scale) Small (Scale)
452 Medium (Scale) Medium (Scale)
453 Large (Scale) Large (Scale)
454 Small (Outreach) Small (Outreach)
455 Medium (Outreach) Medium (Outreach)
456 Large (Outreach) Large (Outreach)
457 Non FI Non FI
458 Low FI Low FI
459 High FI High FI
460 Customized Performance Report Customized Performance Report Customized Performance Report
461 Trends Trends Trends
462 Peer Group Classifications Peer Group Classifications
463 PEER GROUP PEER GROUP PEER GROUP
464 N N N
465 DATA QUALITY DATA QUALITY DATA QUALITY
466 PARTICIPATING INSTITUTIONS PARTICIPATING INSTITUTIONS
467 Region: Africa Region: Africa Region: Africa
468 Region: Asia Region: Asia Region: Asia
469 Region: ECA Region: ECA Region: ECA
470 Region: LAC Region: LAC Region: LAC
471 Region: MENA Region: MENA Region: MENA
472 Charter Type: Bank Charter Type: Bank Charter Type: Bank
473 Charter Type: Credit Union Charter Type: Credit Union Charter Type: Credit Union
474 Charter Type: NBFI Charter Type: NBFI Charter Type: NBFI
475 Charter Type: NGO Charter Type: NGO Charter Type: NGO
476 Charter Type: Rural Bank Charter Type: Rural Bank Charter Type: Rural Bank
478 Sustainability: FSS Sustainability: FSS Sustainability: FSS
479 Sustainability: Non-FSS Sustainability: Non-FSS Sustainability: Non-FSS
480 Profit Status: Profit Profit Status: Profit Profit Status: Profit
481 Profit Status: Not for Profit Profit Status: Not for Profit Profit Status: Not for Profit
482 Target Market: Low End Target Market: Low End Target Market: Low End
483 Target Market: Broad Target Market: Broad Target Market: Broad
484 Target Market: High End Target Market: High End Target Market: High End
485 Target Market: Small Business Target Market: Small Business Target Market: Small Business
486 Methodology: Individual Methodology: Individual Methodology: Individual
487 Methodology: Individual/ Solidarity Methodology: Individual/ Solidarity Methodology: Individual/ Solidarity
488 Methodology: Solidarity Methodology: Solidarity Methodology: Solidarity
489 Methodology: Village Banking Methodology: Village Banking Methodology: Village Banking
490 Age: New Age: New Age: New
491 Age: Young Age: Young Age: Young
492 Age: Mature Age: Mature Age: Mature
493 Scale: Small Scale: Small Scale: Small
494 Scale: Medium Scale: Medium Scale: Medium
495 Scale: Large Scale: Large Scale: Large
496 Outreach: Small Outreach: Small Outreach: Small
497 Outreach: Medium Outreach: Medium Outreach: Medium
498 Outreach: Large Outreach: Large Outreach: Large
499 Financial Intermediation: Non FI Financial Intermediation: Non FI Financial Intermediation: Non FI
500 Financial Intermediation: Low FI Financial Intermediation: Low FI Financial Intermediation: Low FI
501 Financial Intermediation: High FI Financial Intermediation: High FI Financial Intermediation: High FI
502 [These names are held confidential] [These names are held confidential] [These names are held confidential]
503 The MicroBanking Bulletin uses the following grading system to classify information received from MFIs: The MicroBanking Bulletin uses the following grading system to classify information received from MFIs: The MicroBanking Bulletin uses the following grading system to classify information received from MFIs:
504 *** The information is supported by an in-depth financial analysis conducted by an independent entity in the last three years *** The information is supported by an in-depth financial analysis conducted by an independent entity in the last three years *** The information is supported by an in-depth financial analysis conducted by an independent entity in the last three years
505 ** The MBB questionnaire plus audited financial statements, annual reports and other independent evaluations ** The MBB questionnaire plus audited financial statements, annual reports and other independent evaluations ** The MBB questionnaire plus audited financial statements, annual reports and other independent evaluations
506 * The MBB questionnaire or audited financial statements without additional documentation * The MBB questionnaire or audited financial statements without additional documentation * The MBB questionnaire or audited financial statements without additional documentation
507 Benchmarks Benchmarks Benchmarks
508 (2006 data) (2006 data) (2006 data)
509 Benchmark data by Region Benchmark data by Region Benchmark data by Region
510 Benchmark data by Charter Type Benchmark data by Charter Type 0
511 Benchmark data by Sustainability & Profit Status Benchmark data by Sustainability & Profit Status Benchmark data by Sustainability & Profit Status
512 Benchmark data by Target Market Benchmark data by Target Market Benchmark data by Target Market
513 Benchmark data by Methodology Benchmark data by Methodology Benchmark data by Methodology
514 Benchmark data by Age & Scale Benchmark data by Age & Scale Benchmark data by Age & Scale
515 Benchmark data by Outreach & Intermediation Benchmark data by Outreach & Intermediation Benchmark data by Outreach & Intermediation
516 Notes Notes Notes
517 (Sub - Saharan Africa) (Sub - Saharan Africa)
518 (South & East Asia) (South & East Asia)
519 (Eastern Europe & Central Asia) (Eastern Europe & Central Asia)
520 (Latin America & the Caribbean) (Latin America & the Caribbean)
521 (Middle East & North Africa) (Middle East & North Africa)
522 (Bank) (Bank)
523 (Credit Union) (Credit Union)
524 (Non - Bank Financial Intermediary) (Non - Bank Financial Intermediary)
525 (Rural Bank) (Rural Bank)
526 (Non Government Organization) (Non Government Organization)
527 (Financial Self-Sufficiency > 100%) (Financial Self-Sufficiency > 100%) > 100%
528 (Financial Self-Sufficiency < 100%) (Financial Self-Sufficiency < 100%) < 100%
529 (Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) / < 20%, < 150
530 (Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (Avg. Balance per Borrower/ GNI per Capita 20% and 150%) 20% / 150%
531 (Avg. Balance per Borrower/ GNI per Capita > 150% and 250%) (Avg. Balance per Borrower/ GNI per Capita > 150% and 250%) 150% < / 250%
532 (Avg. Balance per Borrower/ GNI per Capita > 250%) (Avg. Balance per Borrower/ GNI per Capita > 250%) / > 250%
533 (Individual & Solidarity; or Individual, Solidarity & Village Banking) (Individual & Solidarity; or Individual, Solidarity & Village Banking)
534 (0 to 4 Years) (0 to 4 Years) 04
535 (5 to 8 Years) (5 to 8 Years) 58
536 ( > 8 Years) ( > 8 Years) 8
537 (GLP in USD, LAC < 4,000,000; Others<2,000,000) (GLP in USD, LAC < 4,000,000; Others<2,000,000) LAC < 4,000,000; < 2,000,000
538 (GLP in USD, LAC 4,000,000 and 15,000,000; Others 2,000,000 and 8,000,000) (GLP in USD, LAC 4,000,000 and 15,000,000; Others 2,000,000 and 8,000,000) 4,000,000 LAC 15,000,000; 2,000,000 8,000,000
539 (GLP in USD, LAC > 15,000,000; Others>8,000,000) (GLP in USD, LAC > 15,000,000; Others>8,000,000) LAC > 15,000,000; > 8,000,000
540 (Number of Borrowers < 10,000) (Number of Borrowers < 10,000) < 10000
541 (Number of Borrowers 10,000 and 30,000) (Number of Borrowers 10,000 and 30,000) 10,000 30,000
542 (Number of Borrowers > 30,000) (Number of Borrowers > 30,000) > 30000
543 (Savings/ Total Assets = 0) (Savings/ Total Assets = 0) / = 0
544 (Savings/ Total Assets > 0 and < 20%) (Savings/ Total Assets > 0 and < 20%) / > 0 < 20%
545 (Savings/ Total Assets 20%) (Savings/ Total Assets 20%) / 20%
546 ACRONYM ACRONYM ACRONYM
547 NAME Nama
548 COUNTRY COUNTRY COUNTRY
549 DATA QUALITY DATA QUALITY DATA QUALITY
550 Year: Tahun:
551 Number of Borrowers Jumlah Peminjam
552 Participating Institutions Participating Institutions
553
554 About MIX About MIX MIX
555 MicroBanking Bulletin and Performance Benchmarks MicroBanking Bulletin and Performance Benchmarks MicroBanking Bulletin and Performance Benchmarks
556 The MicroBanking Bulletin (MBB) is one of the principal publications of MIX. The MBB is intended to improve financial performance of microfinance institutions (MFIs) through the publication and dissemination of the industrys financial and operational results. The financial results of MFIs around the world are gathered, put on common ground and compared. The MBB is published twice a year and disseminates the results of this comparative analysis. Participating institutions provide their data on a voluntary basis, and in return receive a comparative performance report that benchmarks their results with those of their peer group. MIX maintains all data strictly confidential. The MicroBanking Bulletin (MBB) is one of the principal publications of MIX. The MBB is intended to improve financial performance of microfinance institutions (MFIs) through the publication and dissemination of the industrys financial and operational results. The financial results of MFIs around the world are gathered, put on common ground and compared. The MBB is published twice a year and disseminates the results of this comparative analysis. Participating institutions provide their data on a voluntary basis, and in return receive a comparative performance report that benchmarks their results with those of their peer group. MIX maintains all data strictly confidential. The MicroBanking Bulletin (MBB) is one of the principal publications of MIX. The MBB is intended to improve financial performance of microfinance institutions (MFIs) through the publication and dissemination of the industrys financial and operational results. The financial results of MFIs around the world are gathered, put on common ground and compared. The MBB is published twice a year and disseminates the results of this comparative analysis. Participating institutions provide their data on a voluntary basis, and in return receive a comparative performance report that benchmarks their results with those of their peer group. MIX maintains all data strictly confidential.
557 Customized Performance Reports and MicroBanking Bulletin Customized Performance Reports and MicroBanking Bulletin Customized Performance Reports and MicroBanking Bulletin
558 MFIs that submit data for the MicroBanking Bulletin receive a free Customized Performance Report. The MicroBanking Bulletin (MBB) is one of the principal outputs of the MIX. The MBB is intended to improve financial performance of microfinance institutions (MFIs) through the publication and dissemination of the industrys financial results. The financial results of MFIs around the world are gathered, placed on common ground and compared. The MBB is published twice a year and disseminates the results of this comparative analysis. Participating institutions provide their financial data on a voluntary basis and all data are maintained strictly confidential. MFIs that submit data for the MicroBanking Bulletin receive a free Customized Performance Report. The MicroBanking Bulletin (MBB) is one of the principal outputs of the MIX. The MBB is intended to improve financial performance of microfinance institutions (MFIs) through the publication and dissemination of the industrys financial results. The financial results of MFIs around the world are gathered, placed on common ground and compared. The MBB is published twice a year and disseminates the results of this comparative analysis. Participating institutions provide their financial data on a voluntary basis and all data are maintained strictly confidential. MFIs that submit data for the MicroBanking Bulletin receive a free Customized Performance Report. The MicroBanking Bulletin (MBB) is one of the principal outputs of the MIX. The MBB is intended to improve financial performance of microfinance institutions (MFIs) through the publication and dissemination of the industrys financial results. The financial results of MFIs around the world are gathered, placed on common ground and compared. The MBB is published twice a year and disseminates the results of this comparative analysis. Participating institutions provide their financial data on a voluntary basis and all data are maintained strictly confidential.
559 e-mail: info@themix.org e-mail: info@themix.org e-mail: info@themix.org
560 web site: www.themix.org web site: www.themix.org web site: www.themix.org
561 Microfinance Information eXchange (MIX) Microfinance Information eXchange (MIX) Microfinance Information eXchange (MIX)
562 The Microfinance Information Exchange, Inc. is a non-profit company dedicated to improving the information infrastructure of the microfinance industry in developing countries, by promoting standards of financial and operational reporting, offering readily accessible data, and providing specialized information services. For further information please visit www.themix.org The Microfinance Information Exchange, Inc. is a non-profit company dedicated to improving the information infrastructure of the microfinance industry in developing countries, by promoting standards of financial and operational reporting, offering readily accessible data, and providing specialized information services. For further information please visit www.themix.org The Microfinance Information Exchange, Inc. is a non-profit company dedicated to improving the information infrastructure of the microfinance industry in developing countries, by promoting standards of financial and operational reporting, offering readily accessible data, and providing specialized information services. For further information please visit www.themix.org
563 MIX Amrica LatinaJr. Len Velarde 333, Lima 14, Per | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sngal | Tel/Fax : +221 820 55 07 MIX Amrica LatinaJr. Len Velarde 333, Lima 14, Per | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sngal | Tel/Fax : +221 820 55 07 MIX Amrica LatinaJr. Len Velarde 333, Lima 14, Per | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sngal | Tel/Fax : +221 820 55 07
564
565
566 1901 Pennsylvania Avenue NW 1901 Pennsylvania Avenue NW 1901 Pennsylvania Avenue NW
567 Suite 307 Suite 307 Suite 307
568 Washington DC 20006 Washington DC 20006 Washington DC 20006
569 Tel: +1 (202) 659 9094 Tel: +1 (202) 659 9094 Tel: +1 (202) 659 9094
570 Fax: +1 (202) 659 9095 Fax: +1 (202) 659 9095 Fax: +1 (202) 659 9095
571
572 This document were produced with the help of: This document were produced with the help of: This document were produced with the help of:
573
574
575 Graph Labels
576 Financing and Asset Structure Financing and Asset Structure Financing and Asset Structure
577 Capital/ Asset Ratio (MFI) Capital/ Asset Ratio (MFI) Capital/ Asset Ratio (MFI)
578 Gross Loan Portfolio/ Total Assets (MFI) Gross Loan Portfolio/ Total Assets (MFI) Gross Loan Portfolio/ Total Assets (MFI)
579 Capital/ Asset Ratio (Peer Group) Capital/ Asset Ratio (Peer Group) Capital/ Asset Ratio (Peer Group)
580 Gross Loan Portfolio/ Total Assets (Peer Group) Gross Loan Portfolio/ Total Assets (Peer Group) Gross Loan Portfolio/ Total Assets (Peer Group)
581 Adj. Number of Borrowers and Gross Loan Portfolio Adj. Number of Borrowers and Gross Loan Portfolio Adj. Number of Borrowers and Gross Loan Portfolio
582 Number of Active Borrowers Jumlah Peminjam Aktif
584 Number of Active Borrowers (MFI) Number of Active Borrowers (MFI) Number of Active Borrowers (MFI)
585 Gross Loan Portfolio (MFI) Gross Loan Portfolio (MFI) Gross Loan Portfolio (MFI)
586 Number of Active Borrowers (Peer Group) Number of Active Borrowers (Peer Group) Number of Active Borrowers (Peer Group)
587 Gross Loan Portfolio (Peer Group) Gross Loan Portfolio (Peer Group) Gross Loan Portfolio (Peer Group)
588 Adjusted Return on Assets (MFI vs. All Participants) Adjusted Return on Assets (MFI vs. All Participants) Adjusted Return on Assets (MFI vs. All Participants)
589 Deconstructing Return on Assets Deconstructing Return on Assets Deconstructing Return on Assets
590 Returns Returns Returns
591 Operating Expense Ratio Operating Expense Ratio Operating Expense Ratio
592 Loan Loss Prov Exp. Ratio Loan Loss Prov Exp. Ratio Loan Loss Prov Exp. Ratio
593 Financial Expense Ratio Financial Expense Ratio Financial Expense Ratio
594 Financial Revenue Ratio Financial Revenue Ratio Financial Revenue Ratio
595 Portfolio Yield and Asset Utilization Portfolio Yield and Asset Utilization Portfolio Yield and Asset Utilization
596 Yield on Gross Loan Portfolio (MFI) Yield on Gross Loan Portfolio (MFI) Yield on Gross Loan Portfolio (MFI)
597 Gross Loan Portfolio/ Total Assets (MFI) Gross Loan Portfolio/ Total Assets (MFI) Gross Loan Portfolio/ Total Assets (MFI)
598 Yield on Gross Loan Portfolio (Peer Group) Yield on Gross Loan Portfolio (Peer Group) Yield on Gross Loan Portfolio (Peer Group)
599 Gross Loan Portfolio/ Total Assets (Peer Group) Gross Loan Portfolio/ Total Assets (Peer Group) Gross Loan Portfolio/ Total Assets (Peer Group)
600 Breakout of Expenses (MFI vs. Peers) Breakout of Expenses (MFI vs. Peers) Breakout of Expenses (MFI vs. Peers)
601 Adj. Financial Exp. Ratio Adj. Financial Exp. Ratio Adj. Financial Exp. Ratio
602 Adj. LLPE Ratio Adj. LLPE Ratio Adj. LLPE Ratio
603 Adj. Personnel Exp. Ratio Adj. Personnel Exp. Ratio Adj. Personnel Exp. Ratio
604 Adj. Admin. Exp. Ratio Adj. Admin. Exp. Ratio Adj. Admin. Exp. Ratio
605 Efficiency: Two Perspectives Efficiency: Two Perspectives Efficiency: Two Perspectives
606 Efficiency and Productivity Efisiensi dan produktivitas
607 Operating Expense/ LP Operating Expense/ LP Operating Expense/ LP
608 Efficiency EFISIENSI
609 Cost per Borrower - USD Cost per Borrower - USD Cost per Borrower - USD
610 Operating Expense/ Loan Portfolio (MFI) Operating Expense/ Loan Portfolio (MFI) Operating Expense/ Loan Portfolio (MFI)
611 Operating Expense/ Loan Portfolio (Peer Group) Operating Expense/ Loan Portfolio (Peer Group) Operating Expense/ Loan Portfolio (Peer Group)
612 Cost per Borrower - USD (MFI) Cost per Borrower - USD (MFI) Cost per Borrower - USD (MFI)
613 Cost per Borrower - USD (Peer Group) Cost per Borrower - USD (Peer Group) Cost per Borrower - USD (Peer Group)
614 Portfolio Quality Kualitas portfolio
615 Portfolio at Risk > 30 days (MFI) Portfolio at Risk > 30 days (MFI) Portfolio at Risk > 30 days (MFI)
616 Write-off Ratio (MFI) Write-off Ratio (MFI) Write-off Ratio (MFI)
617 Portfolio at Risk > 30 days (Peer Group) Portfolio at Risk > 30 days (Peer Group) Portfolio at Risk > 30 days (Peer Group)
618 Write-off Ratio (Peer Group) Write-off Ratio (Peer Group) Write-off Ratio (Peer Group)
619 Clients Served Clients Served Clients Served
620 Loan Portfolio and Revenues Loan Portfolio and Revenues Loan Portfolio and Revenues
621 Efficiency and Cost to Client Efficiency and Cost to Client Efficiency and Cost to Client
622 Middle 50% Middle 50% Middle 50%
623 MFI MFI MFI
624 PG PG PG
625 Language Bahasa
626 Tables Tables Tables
627 Indicators Indicators Indicators
628 Values Values Values
629 (Click on the link below) (Click on the link below) (Click on the link below)
630 Definitions Definitions Definitions
631 About About About
632 Average Average
633 Median Median Median
634 Standard Deviation Standard Deviation Standard Deviation
635 Minimum Minimum Minimum
636 Maximum Maximum Maximum
637 Number Number Number
638 MIX 2009 Benchmarks MIX 2009 Benchmarks MIX 2009 Benchmarks
639 Adjustment Summary Page Adjustment Summary Page Adjustment Summary Page
640 Note that this MFI uses inflation-based accounting Note that this MFI uses inflation-based accounting Note that this MFI uses inflation-based accounting
641 Yes Ya
642 No No
643 (Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) (Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) (Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%)
644 (Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets < 20%) (Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets < 20%) (Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets < 20%)
645 (Africa; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets 20%) (Africa; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets 20%) (Africa; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets 20%)
646 (Africa; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets<20%) (Africa; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets<20%) (Africa; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets<20%)
647 (Africa; GLP < $2,000,000) (Africa; GLP < $2,000,000) (Africa; GLP < $2,000,000)
648 (Africa; GLP < $2,000,000; Voluntary Savings/ Total Assets 20%) (Africa; GLP < $2,000,000; Voluntary Savings/ Total Assets 20%) (Africa; GLP < $2,000,000; Voluntary Savings/ Total Assets 20%)
649 (Africa; GLP < $2,000,000; and Voluntary Savings/ Total Assets < 20%) (Africa; GLP < $2,000,000; and Voluntary Savings/ Total Assets < 20%) (Africa; GLP < $2,000,000; and Voluntary Savings/ Total Assets < 20%)
650 (Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150)
651 (Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita 20% and 150%)
652 (Asia; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) (Asia; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) (Asia; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%)
653 (Asia; GLP > $8,000,000; Voluntary Savings/ Total Assets < 20%) (Asia; GLP > $8,000,000; Voluntary Savings/ Total Assets < 20%) (Asia; GLP > $8,000,000; Voluntary Savings/ Total Assets < 20%)
654 (Asia; GLP $2,000,000 and $8,000,000; Voluntary Savings/ Total Assets 20%) (Asia; GLP $2,000,000 and $8,000,000; Voluntary Savings/ Total Assets 20%) (Asia; GLP $2,000,000 and $8,000,000; Voluntary Savings/ Total Assets 20%)
655 (Asia; GLP $2,000,000 and $8,000,000; Voluntary Savings/ Total Assets 20%) (Asia; GLP $2,000,000 and $8,000,000; Voluntary Savings/ Total Assets 20%) (Asia; GLP $2,000,000 and $8,000,000; Voluntary Savings/ Total Assets 20%)
656 (Asia; GLP < $2,000,000; Voluntary Savings/ Total Assets 20%) (Asia; GLP < $2,000,000; Voluntary Savings/ Total Assets 20%) (Asia; GLP < $2,000,000; Voluntary Savings/ Total Assets 20%)
657 (Asia; GLP < $2,000,000) (Asia; GLP < $2,000,000) (Asia; GLP < $2,000,000)
658 (Asia; GLP < $2,000,000; Voluntary Savings/ Total Assets < 20%) (Asia; GLP < $2,000,000; Voluntary Savings/ Total Assets < 20%) (Asia; GLP < $2,000,000; Voluntary Savings/ Total Assets < 20%)
659 (ECA; Avg. Balance per Borrower/ GNI per Capita > 150% and 250%) (ECA; Avg. Balance per Borrower/ GNI per Capita > 150% and 250%) (ECA; Avg. Balance per Borrower/ GNI per Capita > 150% and 250%)
660 (ECA; GLP > $8,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (ECA; GLP > $8,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (ECA; GLP > $8,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%)
661 (ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%)
662 (ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%)
663 (ECA; GLP < $2,000,000) (ECA; GLP < $2,000,000) (ECA; GLP < $2,000,000)
664 (ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150)
665 (ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets > 0 and < 20%) (ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets > 0 and < 20%) (ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets > 0 and < 20%)
666 (ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) (ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) (ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%)
667 (ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita > 150%) (ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita > 150%) (ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita > 150%)
668 (ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita 150%) (ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita 150%) (ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita 150%)
669 (ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 250%) (ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 250%) (ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 250%)
670 (LAC; GLP > $15,000,000; Voluntary Savings/ Total Assets 20%) (LAC; GLP > $15,000,000; Voluntary Savings/ Total Assets 20%) (LAC; GLP > $15,000,000; Voluntary Savings/ Total Assets 20%)
671 (LAC; GLP > $15,000,000; Voluntary Savings/ Total Assets < 20%) (LAC; GLP > $15,000,000; Voluntary Savings/ Total Assets < 20%) (LAC; GLP > $15,000,000; Voluntary Savings/ Total Assets < 20%)
672 (LAC; GLP $4,000,000 and $15,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (LAC; GLP $4,000,000 and $15,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (LAC; GLP $4,000,000 and $15,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%)
673 (LAC; GLP $4,000,000 and $15,000,000; Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (LAC; GLP $4,000,000 and $15,000,000; Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (LAC; GLP $4,000,000 and $15,000,000; Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150)
674 (LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets 20%) (LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets 20%) (LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets 20%)
675 (LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets < 20%) (LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets < 20%) (LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets < 20%)
676 (LAC; GLP < $4,000,000;Avg. Balance per Borrower/ GNI per Capita 20% and 150% ) (LAC; GLP < $4,000,000;Avg. Balance per Borrower/ GNI per Capita 20% and 150% ) (LAC; GLP < $4,000,000;Avg. Balance per Borrower/ GNI per Capita 20% and 150% )
677 (LAC; GLP < $4,000,000;Avg. Balance per Borrower/ GNI per Capita<20% and Avg. Balance per Borrower < USD 150 ) (LAC; GLP < $4,000,000;Avg. Balance per Borrower/ GNI per Capita<20% and Avg. Balance per Borrower < USD 150 ) (LAC; GLP < $4,000,000;Avg. Balance per Borrower/ GNI per Capita<20% and Avg. Balance per Borrower < USD 150 )
678 (MENA; GLP > $8,000,000) (MENA; GLP > $8,000,000) (MENA; GLP > $8,000,000)
679 (MENA; GLP $2,000,000 and $8,000,000) (MENA; GLP $2,000,000 and $8,000,000) (MENA; GLP $2,000,000 and $8,000,000)
680 (MENA; GLP < $2,000,000) (MENA; GLP < $2,000,000) (MENA; GLP < $2,000,000)
681 (Africa; GLP > $8,000,000; Financial Self-Sufficiency > 100%) (Africa; GLP > $8,000,000; Financial Self-Sufficiency > 100%) (Africa; GLP > $8,000,000; Financial Self-Sufficiency > 100%)
682 (Africa; GLP > $8,000,000; Financial Self-Sufficiency < 100%) (Africa; GLP > $8,000,000; Financial Self-Sufficiency < 100%) (Africa; GLP > $8,000,000; Financial Self-Sufficiency < 100%)
683 (Africa; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) (Africa; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) (Africa; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%)
684 (Africa; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) (Africa; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) (Africa; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%)
685 (Africa; GLP < $2,000,000; Financial Self-Sufficiency > 100%) (Africa; GLP < $2,000,000; Financial Self-Sufficiency > 100%) (Africa; GLP < $2,000,000; Financial Self-Sufficiency > 100%)
686 (Africa; GLP < $2,000,000; Financial Self-Sufficiency < 100%) (Africa; GLP < $2,000,000; Financial Self-Sufficiency < 100%) (Africa; GLP < $2,000,000; Financial Self-Sufficiency < 100%)
687 (Asia; GLP > $8,000,000; Financial Self-Sufficiency > 100%) (Asia; GLP > $8,000,000; Financial Self-Sufficiency > 100%) (Asia; GLP > $8,000,000; Financial Self-Sufficiency > 100%)
688 (Asia; GLP > $8,000,000; Financial Self-Sufficiency < 100%) (Asia; GLP > $8,000,000; Financial Self-Sufficiency < 100%) (Asia; GLP > $8,000,000; Financial Self-Sufficiency < 100%)
689 (Asia; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) (Asia; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) (Asia; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%)
690 (Asia; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) (Asia; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) (Asia; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%)
691 (Asia; GLP < $2,000,000; Financial Self-Sufficiency > 100%) (Asia; GLP < $2,000,000; Financial Self-Sufficiency > 100%) (Asia; GLP < $2,000,000; Financial Self-Sufficiency > 100%)
692 (Asia; GLP < $2,000,000; Financial Self-Sufficiency < 100%) (Asia; GLP < $2,000,000; Financial Self-Sufficiency < 100%) (Asia; GLP < $2,000,000; Financial Self-Sufficiency < 100%)
693 (ECA; GLP > $8,000,000; Financial Self-Sufficiency > 100%) (ECA; GLP > $8,000,000; Financial Self-Sufficiency > 100%) (ECA; GLP > $8,000,000; Financial Self-Sufficiency > 100%)
694 (ECA; GLP > $8,000,000; Financial Self-Sufficiency < 100%) (ECA; GLP > $8,000,000; Financial Self-Sufficiency < 100%) (ECA; GLP > $8,000,000; Financial Self-Sufficiency < 100%)
695 (ECA; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) (ECA; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) (ECA; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%)
696 (ECA; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) (ECA; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) (ECA; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%)
697 (ECA; GLP < $2,000,000; Financial Self-Sufficiency > 100%) (ECA; GLP < $2,000,000; Financial Self-Sufficiency > 100%) (ECA; GLP < $2,000,000; Financial Self-Sufficiency > 100%)
698 (ECA; GLP < $2,000,000; Financial Self-Sufficiency < 100%) (ECA; GLP < $2,000,000; Financial Self-Sufficiency < 100%) (ECA; GLP < $2,000,000; Financial Self-Sufficiency < 100%)
699 (LAC; GLP > $15,000,000; Financial Self-Sufficiency > 100%) (LAC; GLP > $15,000,000; Financial Self-Sufficiency > 100%) (LAC; GLP > $15,000,000; Financial Self-Sufficiency > 100%)
700 (LAC; GLP > $15,000,000; Financial Self-Sufficiency < 100%) (LAC; GLP > $15,000,000; Financial Self-Sufficiency < 100%) (LAC; GLP > $15,000,000; Financial Self-Sufficiency < 100%)
701 (LAC; GLP $4,000,000 and $15,000,000; Financial Self-Sufficiency > 100%) (LAC; GLP $4,000,000 and $15,000,000; Financial Self-Sufficiency > 100%) (LAC; GLP $4,000,000 and $15,000,000; Financial Self-Sufficiency > 100%)
702 (LAC; GLP $4,000,000 and $15,000,000; Financial Self-Sufficiency < 100%) (LAC; GLP $4,000,000 and $15,000,000; Financial Self-Sufficiency < 100%) (LAC; GLP $4,000,000 and $15,000,000; Financial Self-Sufficiency < 100%)
703 (LAC; GLP < $4,000,000; Financial Self-Sufficiency > 100%) (LAC; GLP < $4,000,000; Financial Self-Sufficiency > 100%) (LAC; GLP < $4,000,000; Financial Self-Sufficiency > 100%)
704 (LAC; GLP < $4,000,000; Financial Self-Sufficiency < 100%) (LAC; GLP < $4,000,000; Financial Self-Sufficiency < 100%) (LAC; GLP < $4,000,000; Financial Self-Sufficiency < 100%)
705
706
707 SIMPLE PEER GROUPS SIMPLE PEER GROUPS SIMPLE PEER GROUPS
708 COMPOUND PEER GROUPS COMPOUND PEER GROUPS COMPOUND PEER GROUPS
709
710
711 Africa Afrika
712 Africa Large FI Afrika Large FI
713 Africa Large FSS Afrika Large FSS
714 Africa Large Non FI Afrika Large Non FI
715 Africa Large Non FSS Afrika Large Non FSS Non FSS
716 Africa Medium FI Afrika Medium FI
717 Africa Medium FSS Afrika Medium FSS
718 Africa Medium Non FI Afrika Medium Non FI
719 Africa Medium Non FSS Afrika Medium Non FSS Non FSS
720 Africa Small Broad Afrika Small Broad
721 Africa Small FI Afrika Small FI
722 Africa Small FSS Afrika Small FSS
723 Africa Small Low Afrika Small Low Low
724 Africa Small Non FI Afrika Small Non FI
725 Africa Small Non FSS Afrika Small Non FSS Non FSS
727 Asia Asia
728 Asia Large FI Asia Large FI
729 Asia Large FSS Asia Large FI
730 Asia Large Non FI Asia Large FI
731 Asia Large Non FSS Asia Large FI
732 Asia Medium FI Asia Medium FI
733 Asia Medium FSS Asia Medium FSS
734 Asia Medium Non FI Asia Medium Non FI
735 Asia Medium Non FSS Asia Medium Non FSS Non FSS
736 Asia Small Asia Small
737 Asia Small FI Asia Small FI
738 Asia Small FSS Asia Small FSS
739 Asia Small Non FI Asia Small Non FI
740 Asia Small Non FSS Asia Small Non FSS Non FSS
741 Bank Bank Bank
742 Broad Broad
743 Credit Union Credit Union
744 ECA ECA
745 ECA High ECA High End
746 ECA Large Broad ECA Large
747 ECA Large FI ECA Large FI
748 ECA Large FSS ECA Large FSS
749 ECA Large Non FI ECA Large Non FI
750 ECA Large Non FSS ECA Large Non FSS Non FSS
751 ECA Medium Broad ECA Medium Broad
752 ECA Medium FSS ECA Medium FSS
753 ECA Medium High SME ECA Medium High High
754 ECA Medium Low Broad ECA Medium Low Low
755 ECA Medium Non FSS ECA Medium Non FSS Non FSS
756 ECA Small Broad ECA Small Broad
757 ECA Small Broad High ECA Small Broad
758 ECA Small FSS ECA Small FSS
759 ECA Small Low ECA Small Low Low
760 ECA Small Non FSS ECA Small Non FSS Non FSS
761 For Profit Con Fines de Lucro Con Fines de Lucro
762 FSS FSS
763 High End High End
764 High FI High FI
765 Individual Individual
766 Individual/ Solidarity Individual/ Solidarity
767 LAC LAC
768 LAC Large FI LAC Large FI
769 LAC Large FSS LAC Large FSS
770 LAC Large Non FI LAC Large Non FI
771 LAC Large Non FSS LAC Large Non FSS Non FSS
772 LAC Medium Broad LAC Medium Broad
773 LAC Medium FI LAC Medium FI
774 LAC Medium FSS LAC Medium FSS
775 LAC Medium Low LAC Medium Low Low
776 LAC Medium Non FI LAC Medium Non FI
777 LAC Medium Non FSS LAC Small Non FSS Non FSS
778 LAC Small Broad LAC Small Broad
779 LAC Small FSS LAC Small FSS
780 LAC Small Low LAC Small Low Low
781 LAC Small Non FSS LAC Small Non FSS Non FSS
782 Large (Outreach) Large (Outreach)
783 Large (Scale) Large (Scale)
784 Low End Low End
785 Low FI Low FI
786 Mature Mature
787 Medium (Outreach) Medium (Outreach)
788 Medium (Scale) Medium (Scale)
789 MENA MENA
790 MENA Large MENA Large
791 MENA Medium MENA Medium
792 MENA Small MENA Small
793 NBFI NBFI
794 New Baru
795 NGO NGO
796 Non FI Non FI
797 Non-FSS Non-FSS
798 Not for Profit Not for Profit
799 Rural Bank Rural Bank
800 Small Business Small Business
801 Small (Outreach) Small (Outreach)
802 Small (Scale) Small (Scale)
803 Solidarity Solidarity
804 Village Banking Village Banking
805 Young Young
806
807
808
809 Benchmarks Benchmarks Benchmarks
810 Users Manual Users Manual Users Manual
811 Analyzing Performance Analyzing Performance Analyzing Performance
812 Analysts use ratios and other indicators in interpreting the performance of an MFI. Indicators show either simple information on an institution (such as its age) or a relationship between two or more pieces of information (such as borrowers and the number of staff who serve those borrowers) in order to shed light on an aspect of that institutions performance. By using standard indicators within an institution, an analyst can more accurately track the growth and changes in performance of that institution over time. Extending these standards to all institutions allows the analyst to track and compare performance across institutions over time. Analysts use ratios and other indicators in interpreting the performance of an MFI. Indicators show either simple information on an institution (such as its age) or a relationship between two or more pieces of information (such as borrowers and the number of staff who serve those borrowers) in order to shed light on an aspect of that institutions performance. By using standard indicators within an institution, an analyst can more accurately track the growth and changes in performance of that institution over time. Extending these standards to all institutions allows the analyst to track and compare performance across institutions over time. Analysts use ratios and other indicators in interpreting the performance of an MFI. Indicators show either simple information on an institution (such as its age) or a relationship between two or more pieces of information (such as borrowers and the number of staff who serve those borrowers) in order to shed light on an aspect of that institutions performance. By using standard indicators within an institution, an analyst can more accurately track the growth and changes in performance of that institution over time. Extending these standards to all institutions allows the analyst to track and compare performance across institutions over time.
813 Peer groups set the context for comparative analysis. The following pages explain the different categories used to group like institutions. By viewing an organization in comparison to these peers, an analyst can see the performance of one institution relative to a typical institution with similar characteristics. Peer groups set the context for comparative analysis. The following pages explain the different categories used to group like institutions. By viewing an organization in comparison to these peers, an analyst can see the performance of one institution relative to a typical institution with similar characteristics. Peer groups set the context for comparative analysis. The following pages explain the different categories used to group like institutions. By viewing an organization in comparison to these peers, an analyst can see the performance of one institution relative to a typical institution with similar characteristics.
814 No one indicator will summarize all aspects of an institutions performance. As such, indicators must be used together in performance analysis. The indicators in this report touch on different aspects of that performance. Unless otherwise noted, all indicators are assumed adjusted for the effect of the standard analytical adjustments described herein. No one indicator will summarize all aspects of an institutions performance. As such, indicators must be used together in performance analysis. The indicators in this report touch on different aspects of that performance. Unless otherwise noted, all indicators are assumed adjusted for the effect of the standard analytical adjustments described herein. No one indicator will summarize all aspects of an institutions performance. As such, indicators must be used together in performance analysis. The indicators in this report touch on different aspects of that performance. Unless otherwise noted, all indicators are assumed adjusted for the effect of the standard analytical adjustments described herein.
815 Interpreting Indicators Interpreting Indicators Interpreting Indicators
816 Financial Management Financial Management Financial Management
817 MFIs finance their activities with a variety of funding sources. Measures of financial management describe these sources of capital, whether debt or equity, and compare them to the resources purchased with that funding. They also indicate how much an institution has leveraged its capital. MFIs finance their activities with a variety of funding sources. Measures of financial management describe these sources of capital, whether debt or equity, and compare them to the resources purchased with that funding. They also indicate how much an institution has leveraged its capital. MFIs finance their activities with a variety of funding sources. Measures of financial management describe these sources of capital, whether debt or equity, and compare them to the resources purchased with that funding. They also indicate how much an institution has leveraged its capital.
818 Scale and Outreach Scale and Outreach Scale and Outreach
819 As MFIs increase in scale and outreach, they reach more clients with more products. Indicators of scale measure the size of services to microfinance clients, whether loans or deposits. Outreach indicators report on the number and types of clients reached. Industry analysts are still working on the indicators that accurately reflect the poverty levels of clients reached by MFI financial services. As MFIs increase in scale and outreach, they reach more clients with more products. Indicators of scale measure the size of services to microfinance clients, whether loans or deposits. Outreach indicators report on the number and types of clients reached. Industry analysts are still working on the indicators that accurately reflect the poverty levels of clients reached by MFI financial services. As MFIs increase in scale and outreach, they reach more clients with more products. Indicators of scale measure the size of services to microfinance clients, whether loans or deposits. Outreach indicators report on the number and types of clients reached. Industry analysts are still working on the indicators that accurately reflect the poverty levels of clients reached by MFI financial services.
820 Sustainability and Profitability Sustainability and Profitability Sustainability and Profitability
821 Profitable and sustainable institutions earn positive returns on their operations. In microfinance, this means that an institution earns a positive net income without depending on donor support. To account for institutional scale, these returns are compared to the institutions assets and equity. Sustainability measures the extent to which these returns cover total expenses. Profitable and sustainable institutions earn positive returns on their operations. In microfinance, this means that an institution earns a positive net income without depending on donor support. To account for institutional scale, these returns are compared to the institutions assets and equity. Sustainability measures the extent to which these returns cover total expenses. Profitable and sustainable institutions earn positive returns on their operations. In microfinance, this means that an institution earns a positive net income without depending on donor support. To account for institutional scale, these returns are compared to the institutions assets and equity. Sustainability measures the extent to which these returns cover total expenses.
822 Revenues HASIL
823 MFIs earn most revenues from their loan portfolio. As MFIs diversify services, fees from transfers, payments and insurance services will provide new revenue streams. Revenue metrics look at financial revenue on the loan portfolio, as well as on the total asset base, to assess the impact of revenue structure on profitability and sustainability. MFIs earn most revenues from their loan portfolio. As MFIs diversify services, fees from transfers, payments and insurance services will provide new revenue streams. Revenue metrics look at financial revenue on the loan portfolio, as well as on the total asset base, to assess the impact of revenue structure on profitability and sustainability. MFIs earn most revenues from their loan portfolio. As MFIs diversify services, fees from transfers, payments and insurance services will provide new revenue streams. Revenue metrics look at financial revenue on the loan portfolio, as well as on the total asset base, to assess the impact of revenue structure on profitability and sustainability.
824 Expenses PENGELUARAN
825 An MFIs financial activities generate a variety of expense, from funding its asset base and general operating expenses, to provisioning for potential loss from default. Expense indicators measure the relative importance of different expense categories in order to determine their impact on profitability and sustainability. An MFIs financial activities generate a variety of expense, from funding its asset base and general operating expenses, to provisioning for potential loss from default. Expense indicators measure the relative importance of different expense categories in order to determine their impact on profitability and sustainability. An MFIs financial activities generate a variety of expense, from funding its asset base and general operating expenses, to provisioning for potential loss from default. Expense indicators measure the relative importance of different expense categories in order to determine their impact on profitability and sustainability.
826 Efficiency EFISIENSI
827 Efficient institutions generate minimal costs in delivering services. It should strive to reduce such costs through scale or use of effective technologies. Efficiency indicators measure the level of expenses incurred to deliver financial services, such as loans. Efficient institutions generate minimal costs in delivering services. It should strive to reduce such costs through scale or use of effective technologies. Efficiency indicators measure the level of expenses incurred to deliver financial services, such as loans. Efficient institutions generate minimal costs in delivering services. It should strive to reduce such costs through scale or use of effective technologies. Efficiency indicators measure the level of expenses incurred to deliver financial services, such as loans.
828 Productivity PRODUKTIVITAS
829 Productive institutions maximize services with minimal resources. Productivity indicators present measures of how effectively human resources are leveraged to serve MFI clients. Such indicators are dependent on an institution's technology and type and variety of services offered. Productive institutions maximize services with minimal resources. Productivity indicators present measures of how effectively human resources are leveraged to serve MFI clients. Such indicators are dependent on an institution's technology and type and variety of services offered. Productive institutions maximize services with minimal resources. Productivity indicators present measures of how effectively human resources are leveraged to serve MFI clients. Such indicators are dependent on an institution's technology and type and variety of services offered.
830 Risk and Liquidity RISIKO DAN LIKUIDITAS
831 MFIs, like all financial institutions, face a number of risks in their business. First among these risks includes credit risk, the chance that a borrower will not repay a loan. As the portfolio is the MFIs most important asset, such risk directly impacts its revenues and generates additional costs due to loss. Portfolio quality will determine the institutions ability to increase its outreach and continue to serve existing clients. MFIs with substantive short term borrowing or deposits from the public also face liquidity risk if serious mismatch exists between short term assets and liabilities, creating the inability to meet current obligations with current resources. MFIs, like all financial institutions, face a number of risks in their business. First among these risks includes credit risk, the chance that a borrower will not repay a loan. As the portfolio is the MFIs most important asset, such risk directly impacts its revenues and generates additional costs due to loss. Portfolio quality will determine the institutions ability to increase its outreach and continue to serve existing clients. MFIs with substantive short term borrowing or deposits from the public also face liquidity risk if serious mismatch exists between short term assets and liabilities, creating the inability to meet current obligations with current resources. MFIs, like all financial institutions, face a number of risks in their business. First among these risks includes credit risk, the chance that a borrower will not repay a loan. As the portfolio is the MFIs most important asset, such risk directly impacts its revenues and generates additional costs due to loss. Portfolio quality will determine the institutions ability to increase its outreach and continue to serve existing clients. MFIs with substantive short term borrowing or deposits from the public also face liquidity risk if serious mismatch exists between short term assets and liabilities, creating the inability to meet current obligations with current resources.
832
833 Age Usia
834 Charter Type: Charter Type:
835 Financial Intermediation Financial Intermediation
836 Methodology: Methodology:
837 Outreach Outreach
838 Profit Status Profit Status
839 Region: Region:
840 Scale Scale
841 Sustainability: Sustainability:
842 Target Market: Target Market:
843 For definitions of Peer Groups, refer to the Peer Group Classification section of this file For definitions of Peer Groups, refer to the Peer Group Classification section of this file For definitions of Peer Groups, refer to the Peer Group Classification section of this file
844 For details on indicator definitions, refer to the Indicator Definitions section of this file For details on indicator definitions, refer to the Indicator Definitions section of this file For details on indicator definitions, refer to the Indicator Definitions section of this file
845 "n/a" denotes results for Peer Groups with less than three observations "n/a" denotes results for Peer Groups with less than three observations "n/a" denotes results for Peer Groups with less than three observations
846 Africa Small Africa Small Africa Small
847 ECA Small ECA Small ECA Small
848 LAC Medium FI LAC Medium FI LAC Medium FI
849 LAC Medium Non FI LAC Medium Non FI LAC Medium Non FI
850 Getting Started
Getting Started Getting Started
851 This spreadsheet contains benchmark data on the performance of microfinance institutions around the globe. These benchmarks are the results for groups of institutions -- peer groups -- sharing common characteristics, such as region of operation or size. Click on any of the links below to explore the performance results of these peer groups in a given area: outreach, financial structure, profitability, productivity or risk. This spreadsheet contains benchmark data on the performance of microfinance institutions around the globe. These benchmarks are the results for groups of institutions -- peer groups -- sharing common characteristics, such as region of operation or size. Click on any of the links below to explore the performance results of these peer groups in a given area: outreach, financial structure, profitability, productivity or risk. This spreadsheet contains benchmark data on the performance of microfinance institutions around the globe. These benchmarks are the results for groups of institutions -- peer groups -- sharing common characteristics, such as region of operation or size. Click on any of the links below to explore the performance results of these peer groups in a given area: outreach, financial structure, profitability, productivity or risk.
852 For an overview of this year's performance benchmarks, click on the "Benchmark Highlights" tab below. For an overview of this year's performance benchmarks, click on the "Benchmark Highlights" tab below. For an overview of this year's performance benchmarks, click on the "Benchmark Highlights" tab below.
853 2006 MFI Benchmark Highlights 2006 MFI Benchmark Highlights 2006 MFI Benchmark Highlights
854 Click here for index and instructions Click here for index and instructions Click here for index and instructions
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English Espaol Franais
Table of Contents ndice Table des matires
Comparative Analysis Anlisis Comparativo Analyse comparative
Adjusted and Reclassified Financial Statements Estados Financieros Reclasificados y Ajustados Etats financiers reclassifis et ajusts
Summary of Adjustments Resumen de Ajustes Rsum des ajustements
Indicator Definitions Definiciones de Indicadores Dfinitions des indicateurs
Notes to Adjustments and Peer Groups Notas para los Ajustes y Calidad de Datos Notes aux ajustements et qualit des donnes
Financial Term Definitions Definiciones de Trminos Financieros Dfinitions des termes financiers
Peer Group Classifications Clasificaciones de Grupos Pares Classification des groupes de pairs
Benchmark Data Datos de Comparacin (Benchmarks) Donnes de benchmark
About MIX Acerca del MIX A propos du MIX
Page 2 Pgina 2 Page 2
Back Cover Contraportada Au dos
Using Customized Performance Reports Uso de Informe de Desempeo Personalizado Utiliser le Rapport de Performance Personnalis
The MIX prepared this Customized Performance Report on the basis of information provided by your institution and other participating MFIs. This report provides managers and directors a tool with which to understand their institution's performance, standardized in accordance with internationally accepted terms, adjustments and indicators, and benchmarked with the performance data of other, similar institutions.Performance benchmarking is a comparative exercise that standardizes raw data and groups institutions to provide for meaningful comparative analysis. The account reclassifications, analytical adjustments and standardized ratios that the MIX employs increase comparability between institutional data sets. The peer groups used to compare institutions provide the context.Managers and board members will find this report and benchmarking useful in: > Situating their institution's performance within the spectrum of similar institutions > Identifying strengths and weaknesses of operational El MIX ha preparado este Informe de Desempeo Personalizado basado en la informacin proporcionada por su institucin y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistir a comprender el desempeo de sus instituciones, normalizado con acuerdo a los trminos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparacin de desempeo y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un anlisis de comparacin significativa. Las reclasificaciones de cuentas, ajustes analticos y la normalizacin de razones que MIX emplea aumenta la comparacin entre los datos institucionales de la serie. Los Grupos de IMFs Pares utilizados para comparar instituciones proporcionan el contexto.Gerentes y miembros de la junta directiva considerarn este reporte y el benchmarking til para: > La ubicacin del d El MIX ha preparado este Informe de Desempeo Personalizado basado en la informacin proporcionada por su institucin y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistir a comprender el desempeo de sus instituciones, normalizado con acuerdo a los trminos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparacin de desempeo y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un anlisis de comparacin significativa. Las reclasificaciones de cuentas, ajustes analticos y la normalizacin de razones que MIX emplea aumenta la comparacin entre los datos institucionales de la serie. Los Grupos de IMFs Pares utilizados para comparar instituciones proporcionan el contexto.Gerentes y miembros de la junta directiva considerarn este reporte y el benchmarking til para: > La ubicacin del d
This report will guide you through the MIX's benchmarking analysis of your institution. Each subsequent section reveals more of the underlying data and processes involved in the analysis. Read further to learn more. The comparative analysis, for example, gives the highlights of your institution's performance, synthesized through written analysis, graphs and tables. To understand the data behind the indicators, explore the adjusted financial statements, the raw inputs into the performance analysis summary, and the summary of adjustments that explains how analytical adjustments for minimal loan loss provisioning, subsidy and inflation impact your MFI's financial position. Notes on indicators, financial terms and adjustment policies provide more background material on the process and systems used for this analysis. Finally, for advanced users, the MIX provides comparative performance indicators for all peer groups published by the MicroBanking Bulletin to allow you to customize and further explore your own Este informe le guiar a travs de un anlisis comparativo de su institucin. Cada seccin subsiguiente revela ms datos esenciales y procesos involucrados en el anlisis. Continu leyendo para aprender ms. El anlisis comparativo, por ejemplo, destaca el desempeo de su institucin, sintetizado a travs de un anlisis por escrito con grficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analtico de desempeo, y el resumen de ajustes que explican el impacto analtico por ajustes de provisin para incobrables, subvencin e inflacin que afectan la posicin de su IMF. Las notas de los indicadores, trminos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este anlisis. Por ltimo, para los usuarios ms avanzados, el MIX proporciona indicadores de desempeo comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite perso Este informe le guiar a travs de un anlisis comparativo de su institucin. Cada seccin subsiguiente revela ms datos esenciales y procesos involucrados en el anlisis. Continu leyendo para aprender ms. El anlisis comparativo, por ejemplo, destaca el desempeo de su institucin, sintetizado a travs de un anlisis por escrito con grficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analtico de desempeo, y el resumen de ajustes que explican el impacto analtico por ajustes de provisin para incobrables, subvencin e inflacin que afectan la posicin de su IMF. Las notas de los indicadores, trminos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este anlisis. Por ltimo, para los usuarios ms avanzados, el MIX proporciona indicadores de desempeo comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite perso
Year: Ao: Anne:
Data Quality Grade: Grado de Calidad de Datos: Indice de qualit de donnes:
Currency: Moneda: Devise:
US Dollar US Dlar Dollars US
Unadjusted* Cartera Bruta de Prstamos no Ajustada Encours brut de prts, non-ajust
Adjusted Ajustado Ajust
INSTITUTIONAL CHARACTERISTICS CARACTERSTICAS INSTITUCIONALES CARACTRISTIQUES INSTITUTIONELLES
Number of MFIs Nmero de IMFs Nombre d'IMF
Age Edad Age
Total Assets Total del activo Total de l'actif
Offices Nmero de Oficinas Bureaux
Personnel Nmero de Personal Effectifs du personnel
FINANCING STRUCTURE ESTRUCTURA DE FINANCIAMIENTO STRUCTURE DE FINANCEMENT
Capital/ Asset Ratio Patrimonio / Activos Capital/ Actif
Commercial Funding Liabilities Ratio Razn de Obligaciones Comerciales Financement au taux du march
Debt to Equity Razn Deuda/ Capital Ratio Dettes/ Fonds Propres
Deposits to Loans Depsitos/ Cartera Bruta Epargne sur encours de prts
Deposits to Total Assets Depsitos/ Activo Total Epargne sur actif total
Portfolio to Assets Cartera Bruta/ Total del Activo Encours de prts sur actif total
OUTREACH INDICATORS INDICADORES DE ESCALA INDICATEURS DE PORTE
Number of Active Borrowers Nmero de prestatarios actuales Nombre d'emprunteurs actifs
Percent of Women Borrowers Porcentaje de Prestatarias (Mujeres) Pourcentage d'emprunteurs femmes
Number of Loans Outstanding Nmero de prstamos vigentes Nombre de crdits en cours
Gross Loan Portfolio Cartera bruta de prstamos Encours brut de prts
Average Loan Balance per Borrower Saldo Promedio de Crditos por Prestatario Solde moyen de crdit par emprunteur
Average Loan Balance per Borrower/ GNI per Capita Saldo Promedio de Crditos por Prestatario/ PNB per Cpita Solde moyen de prt par emprunteur/ PNB par habitant
Average Outstanding Balance Saldo Promedio de Crditos Vigentes Solde de prt moyen
Average Outstanding Balance/ GNI per Capita Saldo Promedio de Crditos/ INB per Cpita Solde de crdit moyen/ RNB par habitant
Number of Depositors Nmero de Depositantes Nombre d'pargnants
Number of Deposit Accounts Nmero de Cuentas de Depsito Nombre de comptes d'pagne
Deposits Ahorros pargne
Average Deposit Balance per Depositor Saldo Promedio por Depositante Montant moyen d'pargne par pargnant
Average Deposit Balance per Depositor/ GNI per capita Saldo Promedio por Depositante/ INB per Cpita Montant moyen de dpt par dposant/ RNB par habitant
Average Deposit Account Balance Saldo Promedio por Cuenta de Depsitos Montant d'pargne moyen
Average Deposit Account Balance/ GNI per capita Saldo Promedio por Cuenta de Depsitos/ INB per CpitaMontant de dpt moyen/ RNB par habitant
MACROECONOMIC INDICATORS INDICADORES MACROECONMICOS INDICATEURS MACRO-CONOMIQUES
GNI per Capita PNB per Cpita PNB par habitant
GDP Growth Rate Tasa de Crecimiento del PIB Taux de croissance du PIB
Deposit Rate Tasa de Depsito Taux d'intrt sur comptes de dpts
Inflation Rate Tasa de Inflacin Taux d'inflation
Financial Depth Penetracin Financiera Pntration des circuits financiers
OVERALL FINANCIAL PERFORMANCE DESEMPEO FINANCIERO GENERAL PERFORMANCE FINANCIRE GLOBALE
Return on Assets Retorno sobre Activos Rendement de l'actif
Return on Equity Retorno sobre Patrimonio Rendement des fonds propres
Operational Self-Sufficiency Autosuficiencia Operacional Auto-suffisance oprationnelle
Financial Self-Sufficiency Autosuficiencia Financiera Auto-suffisance financire
*Unadjusted data draw from unadjusted financial statements. Unadjusted loan and borrower information does not include the effect of standardized write-offs. *Los datos no ajustados son producidos de los estados financieros no ajustados. La informacin no ajustada de los prstamos y prestatarios excluye el efecto de castigos normalizados. *Les donnes non-ajustes sont tires des tats financiers non-ajusts. L'information non-ajuste des prts et des emprunteurs ne prend pas en compte l'effet de radiation des prts.
**MFI data are for the financial year ended **Datos de la IMF al cierre del ao Financiero, el **Donnes pour l'exercice clos le
REVENUES INGRESOS PRODUITS D'EXPLOITATION
Financial Revenue/ Assets Razn de Ingreso Financiero Ratio des produits financiers sur actif
Profit Margin Margen de Ganancia Marge bnficiaire
Yield on Gross Portfolio (nominal) Rendimiento Nominal sobre la Cartera Bruta Rendement nominal du portefeuille brut
Yield on Gross Portfolio (real) Rendimiento Real sobre la Cartera Bruta Rendement rel du portefeuille brut
EXPENSES GASTOS CHARGES D'EXPLOITATION
Total Expense/ Assets Gasto Total/ Activo Total Ratio de ch. totales l'actif
Financial Expense/ Assets Gasto Financiero/ Activo Total Ratio de ch. financires l'actif
Provision for Loan Impairment/ Assets Gasto de Provisin para Cartera/ Activo Total Ratio de dotations aux provisions pour prts irrcouvrables
Operating Expense/ Assets Gasto Operacional/ Activo Total Ratio de ch. d'exploitation l'actif
Personnel Expense/ Assets Razn de Gasto de Personal Ratio de ch. de personnel
Administrative Expense/ Assets Razn de Gasto Administrativo Ratio de ch. administratives
Adjustment Expense/ Assets Razn de Gasto de Ajustes Ratio de ch. d'ajustement
EFFICIENCY EFICIENCIA EFFICIENCE
Operating Expense/ Loan Portfolio Gastos Operacionales/ Cartera Bruta Ratio de ch. d'exploitation au portefeuille
Personnel Expense/ Loan Portfolio Gastos de Personal/ Cartera Bruta Ratio de ch. de personnel au portefeuille
Average Salary/ GNI per Capita Salario Promedio/ PNB Per Cpita Salaire moyen/ PNB par habitant
Cost per Borrower Gasto por Prestatario Cot par emprunteur
Cost per Loan Gasto por Prstamo Cot par prt
PRODUCTIVITY Productividad PRODUCTIVIT
Borrowers per Staff Member Prestatarios por Personal Emprunteurs par effectif du personnel
Loans per Staff Member Prstamos por Personal Prts par effectif du personnel
Borrowers per Loan Officer Prestatarios por Oficial de Crdito Emprunteurs par agent de crdit
Loans per Loan Officer Prstamos por Oficial de Crdito Prts par agent de crdit
Depositors per Staff Member Depositantes por Personal Epargnants par effectif du personnel
Deposit Accounts per Staff Member Cuentas de Depsito por Personal Comptes d'pargne par effectif du personnel
Personnel Allocation Ratio Razn de Distribucin de Personal Distribution du personnel
RISK AND LIQUIDITY RIESGO Y LIQUIDEZ RISQUES ET LIQUIDIT
Portfolio at Risk > 30 Days Cartera en Riesgo > 30 Das Portefeuille risque > 30 jours
Portfolio at Risk > 90 Days Cartera en Riesgo > 90 Das Portefeuille risque > 90 jours
Write-off Ratio Razn de Prstamos Castigados Taux de radiation de prts
Loan Loss Rate Tasa de Prstamos Incobrables Taux de pertes sur prts
Risk Coverage Ratio Razn de Cobertura de Riesgo Taux de couverture du risque
Non-earning Liquid Assets as a % of Total Assets Activos Lquidos No Prod./ Activo Total Actifs non productifs en pourcentage de l'actif total
Current Ratio Razn Corriente Ratio de liquidit gnrale
Adjusted and Reclassified Financial Statements Estados Financieros Reclasificados y Ajustados Etats financiers reclassifis et ajusts
BALANCE SHEET Balance General Bilan
Unadjusted Accounts Cuentas no Ajustadas Comptesnon-ajusts
Adjusted Accounts Cuentas Ajustadas Comptes ajusts
Cash and Due from Banks Caja y Banco Disponibilits
Reserves from Central Bank Reservas en el Banco Central Rserves la Banque Centrale
Trade Investments Act. Financieros a Cto. Plazo Investissements court terme
Net Loan Portfolio Cartera Neta Encours net de prts
(Impairment Loss Allowance) (Res. para Prst. Incobrables) (Provision pour prts irrcouvrables)
Interest Receivable Intereses por Cobrar Intrts courus non chus
Accounts Receivable and Other Assets Cuentas por Cobrar y Otros Activos Autres comptes recevoir et actifs
Other Investments Total del Activo a Largo Plazo Investissements long terme
Net Fixed Assets Activos Fijos Netos Immobilisations - valeur nette
Total Assets Total del activo Total de l'actif
Demand Deposits Depsitos a la vista Dpts vue
Voluntary Deposits Ahorros Voluntarios pargne volontaire
Compulsory Deposits Ahorros Obligatorios pargne force
Time Deposits Depsitos a plazo Dpts terme
Borrowings Obligaciones Total des emprunts
Borrowings at concessional interest rates Obligaciones a tasas concesionales Emprunts des taux subventionns
Borrowings at commercial interest rates Obligaciones a tasas comerciales Emprunts des taux de march
Interest Payable Intereses por Pagar Intrts payer
Accounts Payable and Other Liabilities Cuentas por Pagar y Otras Obligaciones Comptes crditeurs et autres dettes
Total Liabilities Total del Pasivo Total des dettes
Paid-in Capital Patrimonio Pagado Capital social
Donated Equity Donaciones Acumuladas Fonds propres issus de subventions
Prior Years Aos Anteriores Report nouveau, annes prcdentes
Current Year Ao en Curso Exercice en cours
Retained Earnings Ganancias (Prdidas) Acumuladas Report nouveau
Prior Years Aos Anteriores Report nouveau, annes prcdentes
Current Year Ao en Curso Exercice en cours
Adjustments to Equity Ajustes al Patrimonio Retraitements des fonds propres
Inflation Adjustment AJUSTE POR INFLACIN AJUSTEMENT POUR L'INFLATION
Subsidized Costs of Funds Adjustment Subsidized Costs of Funds Adjustment Subsidized Costs of Funds Adjustment
In-Kind Subsidy Adjustment Ajuste por Subsidios en Especie Ajustement pour subventions en nature
Reserves Reservas Rserves
Other Equity Accounts Otras Cuentas de Patrimonio Autres comptes de fonds propres
Total Equity Total del Patrimonio Total des fonds propres
Total Liabilities and Equity Total del Pasivo y Patrimonio Total du passif
Currency Conversion Factor Factor de cambio de moneda Cofficient de change
Units Unidades Units
INCOME STATEMENT Estado de Resultados Compte de Rsultats
Financial Revenue Ingreso Financiero Intrts reus et produits assimils
Financial Revenue from Loan Portfolio Ingreso Financiero por la Cartera de Prstamos Revenus du portefeuille
Interest on Loan Portfolio Inters por la Cartera de Prstamos Intrts reus sur prts
Fees and Commissions on Loan Portfolio Ingreso por Comisiones sobre la Cartera de Prstamos Frais et commissions sur prts (incluant pnalits reues sur prts)
Financial Revenue from Investments Ingresos Financieros por Otros Activos Financieros Produits sur placements/ investissements
Other Operating Revenue Otros Ingresos Rel. a los Servicios Financieros Autres produits lis aux services financiers
Financial Expense Gasto Financiero Total des charges financires
Financial Expense on Funding Liabilities Gastos Financieros del Pasivo Intrts verss et charges assimiles
Interest and Fee Expense on Deposits Interses y Gastos por Depsitos Intrts verss et charges sur pargne
Interest and Fee Expense on Borrowings Inters y Comisiones Pagados por Obligaciones Intrts verss et frais sur emprunts
Net Adjustment for Inflation Gasto Neto Ajuste por la Inflacin Charges nettes sur l'ajust. pour l'inflation
Inflation Adjustment to Equity Gasto, Ajuste por Inflacin Charges sur l'ajustement pour l'inflation
Inflation Adjustment to Fixed Assets Ingreso, Ajuste por la Inflacin Produits sur l'ajustement pour l'inflation
Adjustment for Subsidized Cost of Funds Gastos del Ajuste por Subsidios Costo de Fondos Ch. d'ajustement pour cots de fin. subventionns
Other Financial Expense Otros Gastos Financieros Autres ch. fin. lies aux services financiers
Net Financial Income Resultado Financiero Neto Rsultat financier
Impairment Losses on Loans Provisin para Incobrables, Neta Dot. nette aux prov. pour prts irrcouvrables
Provision for Loan Impairment Gasto de la Provisin para Incobrables Dot. aux prov. pour prts irrcouvrables
Value of Loans Recovered Recup. de Prst. Castigados Recouvrement de prts radis
Operating Expense Gastos Operacionales Charges d'exploitation
Personnel Expense Gastos de Personal Charges de personnel (dont charges sociales)
Administrative Expense Gastos Administrativos Total des charges administratives
Rent and Utilities Arriendo y Servicios Pblicos Loyer et charges
Transportation Transporte Transport
Office Supplies Suministros de la Oficina Matriels et fournitures de bureau
Depreciation and Amortization Depreciacin Dprciation et amortissement
Other Administrative Expense Otros Gastos Administrativos Autres charges administratives
Net Operating Income RESULTADO DE OPERACIN NETO Rsultat oprationnel
Net Non-Operating Income RESULTADO NO OPERACIONAL NETO Rsultat non oprationnel
Non-Operating Revenue Ingresos No Operacionales Produits non oprationnels
Non-Operating Expense Gastos No Operacionales Charges non oprationnelles
Net Income (Before Taxes and Donations) Resultado Neto (Antes de Donaciones y Impuestos) Rsultat net (avant impt et subventions)
Taxes Impuestos Impt sur les bnfices
Net Income (After Taxes and Before Donations) Res. Neto (Antes Donaciones y Despus de Impuestos) Rsultat net (aprs impt et avant subventions)
Donations Donaciones para Subsidiar Servicios Financieros Subventions
Net Income (After Taxes and Donations) Resultados Neto (Despus de Donaciones y Impuestos) Rsultat net (aprs impt et subventions)
Summary of Adjustments Resumen de Ajustes Rsum des ajustements
INFLATION ADJUSTMENT AJUSTE POR INFLACIN AJUSTEMENT POUR L'INFLATION
Equity, beginning of period Patrimonio del Ao Anterior Fonds propres, exercice prcdent
Inflation Adjustment to Equity Gasto, Ajuste por Inflacin Charges sur l'ajustement pour l'inflation
Net Fixed Assets, beginning of period Activo Fijo del Ao Anterior Immobilisations, exercice prcdent
Inflation Adjustment to Fixed Assets Ingreso, Ajuste por la Inflacin Produits sur l'ajustement pour l'inflation
Net Adjustment for Inflation Gasto Neto Ajuste por la Inflacin Charges nettes sur l'ajust. pour l'inflation
COST OF FUNDS ADJUSTMENT Ajuste al Coste de Fondos Valeur de l'ajust. pour cots de fin. subv
Borrowings, beginning of period Balance de Obligaciones del Ao Anterior Total des emprunts, exercice prcdent
Borrowings, end of period Balance de Obligaciones del Ao Actual Total des emprunts, exercice en cours
Borrowings, period average Balance Promedio de Obligaciones por el Ao Moyenne des emprunts, exercice en cours
Local market rate Tasa de Inters Comercial Local Taux d'intrt commercial local
Cost of funds at market rate Coste de Fondos a Tasas Comerciales Cots des financements au taux commercial
Interest and Fee Expense on Borrowings Inters y Comisiones Pagados por Obligaciones Intrts verss et frais sur emprunts
Adjustment for Subsidized Cost of Funds Gastos del Ajuste por Subsidios Costo de Fondos Ch. d'ajustement pour cots de fin. subventionns
WRITE-OFF ADJUSTMENT AJUSTE POR PRSTAMOS CASTIGADOS AJUST. POUR LA RADIATION DES PRTS
Unadjusted Gross Loan Portfolio Cartera Bruta de Prstamos no Ajustada Encours brut de prts, non-ajust
PAR > 365 days Crditos en Riesgo > 365 das Portefeuille risque plus de 365 jours
Adjusted Gross Loan Portfolio Cartera de Prstamos Ajustada Encours brut de prts, ajust
Number of Loans Outstanding Nmero de prstamos vigentes Nombre de crdits en cours
No. of loans > 365 days N de Prstamos > 365 das Nombre de prts > 365 jours
Adjusted Number of Loans Outstanding N de Prstamos Vigentes Ajustado Nombre de prts en cours, ajust
LOAN LOSS PROVISION ADJUSTMENT AJUSTE PROV. CRDITOS INCOBRABLES AJUST. POUR PROV. POUR PRTS IRRCOUV.
Renegotiated portfolio Prstamos Vigentes Refinanciados Ensemble des prts rengocis
Provision factor, renegotiated loans Factor de Provisin, Prstamos Refinanciados Coefficient pour provision, prts rengocis
Reserve amount, renegotiated loans Reserva para Prstamos Refinanciados Provision pour prts rengocis
Portfolio at Risk 91-180 days Prstamos en Riesgo 90-180 das Portefeuille risque de 91 180 jours
Provision factor, PAR 91-180 days Factor de Provisin, Atrasados 90-180 das Coefficient pour provision PAR 91-180 jours
Reserve amount, PAR 91-180 days Reserva para Prstamos, Atrasados 90-180 das Provision pour PAR 91-180 jours
Portfolio at Risk 180-365 days Prstamos Atrasados 180-360 das Portefeuille risque de 181 365 jours
Provision factor, PAR 180-365 days Factor de Provisin, Atrasados 180-360 das Coefficient pour provision, PAR 180-365 jours
Reserve amount, PAR 180-365 days Reserva para Prstamos, Atrasados 180-360 das Provision pour PAR 180-365 jours
Minimal Adjusted Loan Loss Reserve Reserva mnima para Prstamos Incobrables, Ajustada Valeur minimale ajuste des provisions pour prts irrcouvrables
Unadjusted Gross Loan Portfolio Cartera Bruta de Prstamos no Ajustada Encours brut de prts, non-ajust
Unadjusted Impairment Loss Allowance Reserva para Prstamos Incobrables, no Ajustada Provisions pour prts irrcouvrables, non-ajustes
Unadjusted Net Loan Portfolio Cartera Neta, no Ajustada Encours net de prts, non-ajust
Adjusted Gross Loan Portfolio Cartera de Prstamos Ajustada Encours brut de prts, ajust
Adjusted Impairment Loss Allowance Reserva para Prstamos Incobrables, Ajustada Provisions pour prts irrcouvrables, ajustes
Adjusted Net Loan Portfolio Cartera Neta, Ajustada Encours net de prts, ajust
Difference, Adj. and Unadj. Net Loan Portfolio Diferencia, Cartera Bruta Ajustada y no Ajustada Diffrence, Encours net de prts ajust et non-ajust
Unadjusted Provision for Loan Impairment Provisin para Incobrables, Neta no Ajustada Dot. aux prov. pour prts irrcouv., non-ajuste
Adjusted Provision for Loan Impairment Provisin para Incobrables, Ajustada Dot. aux prov. pour prts irrcouv., ajuste
IN KIND SUBSIDY ADJUSTMENT AJUSTE POR SUBSIDIOS EN ESPECIE AJUSTEMENT POUR SUBV. EN NATURE
Category of donation Categora de Donacin Catgorie de subventions
Personnel Nmero de Personal Effectifs du personnel
Rent and utilities Arriendo y Servicios Pblicos Loyer et charges
Transportation Transporte Transport
Office supplies Suministros de la Oficina Matriels et fournitures de bureau
Other Otros Autres
Total Total Total
Applied: Aplicado: Appliqu:
Stated value Valor Indicado Valeur indique
IMF, International Financial Statistics, line 64x. FMI, Estadsticas Financieras Internacionales, lnea 64x.FMI, Statistiques Financires Internationales, ligne 64x
Effect: Enters as a separate equity account, offsets Net Income. Efecto: Otra cuenta de Patrimonio que compensa el cambio en Resultado Neto. Effet: Autre compte de fonds propres, compensant le changement du rsultat net
IMF, International Financial Statistics, line 64x. FMI, Estadsticas Financieras Internacionales, lnea 64x.FMI, Statistiques Financires Internationales, ligne 64x
Effect: Increases Fixed Assets, Total Assets. Efecto: Aumenta las cuentas Activos Fijos y Total del Activo. Effet: Augmente les immobilisations et l'actif total
Effect: Increases Financial Expense, decreasing Net Operating Income, Net Income (Note: If Fixed Assets exceed Equity, Financial Expense will decrease, increasing Net Operating Income, Net Income). Efecto: Aumenta la cuenta Gasto Financiero, y disminuye el Resultado de Operacin. (Nota: Si los activos Fijos son mayores que Patrimonio, el Gasto Financiero disminuir y el Resultado Neto aumentar). Effet: Augmente les ch. financires, diminuant le rsultat oprationnel et le rsultat net (NB: si les immobilisations sont suprieures aux fonds propres, les ch. financires diminuent, augmentant le rsultat oprationnel et le rsultat net).
IMF, International Financial Statistics, line 60L. FMI, Estadsticas Financieras Internacionales, lnea 60L.FMI, Statistiques Financires Internationales, ligne 64L
Effect: Increases Financial Expense, decreases Net Operating Income, Net Income. Efecto: Aumenta el Gasto Financiero, disminuye el Resultado Operacional, Resultado Neto. Effet: Augmente les ch. financires, diminuant le rsultat oprationnel et le rsultat net
Effect: Decreases Net Loan Portfolio and increases Loan Loss Provision Expense if Loan Loss Reserve is insufficient to cover provisioning and write-off adjustments. Efecto: Disminuye la Cartera neta y aumenta la Provisin para incobrables si la Reserva para Prestamos Incobrables no es suficiente para cubrir el ajuste de la provisin y el castigo. Effet: Diminue l'encours net de prts et augmente la dot. aux prov. pour prts irrcouvrables si la prov. pour prts irrcouvrables est insuffisante pour couvrir les ajustements pour provision et pour radiation des prts.
Effect: Decreases Net Operating Income, Net Income. Efecto: Disminuye el Resultado de Operacin Neto, Resultado Neto. Effet: Diminue le rsultat oprationnel et le rsultat net.
Adjustment Ajuste Ajustement
Effect: Increases total Operating Expense, reduces Net Operating Income, Net Income. Efecto: Aumenta la cuenta Total Gastos Operacionales, disminuye la cuenta Resultado de Operacin. Effet: Augmente les ch. d'exploitations, diminue le rsultat oprationnel et le rsultat net.
Indicator Definitions Definiciones de Indicadores Dfinitions des indicateurs
Sample Size of Group Tamao de la muestra Effectifs du groupe
Years Functioning as an MFI Aos de existencia Annes d'existence
Total Assets, adjusted for Inflation and standardized provisioning for loan impairment and write-offs Total del activo, ajustado por inflacin y por provisin para incobrables y castigos estandardizados Actif Total, ajust pour l'inflation, le provisionnement pour prts irrcouvrables et la radiation de prts
Number, including head office N (incluso las oficinas centrales) Nombre (incluant le sige)
Total number of staff members N total de empleados Nombre total d'employs
Adjusted Total Equity/ Adjusted Total Assets Patrimonio Total Ajustado/ Activo Total Ajustado Total fonds propres ajusts/ Total actif ajust
(Voluntary and Time Deposits + Borrowings at Commercial Interest Rates) / Adjusted Average Gross Loan Portfolio Total de los pasivos al "Precio del Mercado"/ Cartera bruta de prstamos Total dettes au Taux du march / Encours brut de prts
Adjusted Total Liabilities/ Adjusted Total Equity Pasivo Total Ajustado/ Patrimonio Total Ajustado Total dettes, ajust/ Total fonds propres, ajust
Deposits/ Adjusted Gross Loan Portfolio Total de depsitos/ Cartera bruta de prstamos ajustadapargne/ Encours brut de prts, ajust
Deposits/ Adjusted Total Assets Total de depsitos/ Total del activo ajustado pargne/ Total actif, ajust
Adjusted Gross Loan Portfolio/ Adjusted Total Assets Cartera Bruta de Prstamos Ajustada/ Activo Total Ajustado Encours brut de prts, ajust/ Total de l'actif, ajust
Number of borrowers with loans outstanding, adjusted for standardized write-offs Nmero de Prestatarios con Prstamos Vigentes, Ajustado por Castigos Estandardizados Nombre d'emprunteurs avec un prt en cours, ajust pour la radiation normalise de prts
Number of active women borrowers/ Adjusted Number of Active Borrowers Nmero de Prestatarias (mujeres) Activas/ Nmero de Prestatarios Activos Ajustado Nombre d'emprunteurs actifs femmes/ Nombre d'emprunteurs actifs, ajust
Number of loans outstanding, adjusted for standardized write-offs Nmero de Prstamos Vigentes, Ajustado por Castigos Estandardizados Nombre de prts en cours, ajust pour la radiation normalise de prts
Gross Loan Portfolio, adjusted for standardized write-offsCartera Bruta de Prstamos, Ajustada por Castigos Estandardizados Encours brut de prts, ajust pour la radiation normalise de prts
Adjusted Gross Loan Portfolio/ Adjusted Number of Active Borrowers Cartera Bruta de Prstamos Ajustada/ Nmero de Prestatarios Activos Ajustado Encours brut de prts, ajust/ Nombre d'emprunteurs actifs, ajust
Adjusted Average Loan Balance per Borrower/ GNI per Capita Saldo promedio de los crditos por prestatario, ajustado/ PNB per cpita Solde moyen de prt par emprunteur, ajust/ PNB par habitant
Adjusted Gross Loan Portfolio/ Adjusted Number of Loans Outstanding Cartera Bruta de Prstamos Ajustada/ Nmero de Prstamos Vigentes Encours brut de prts, ajust/ Nombre de prts en cours, ajust
Adjusted Average Outstanding Balance/ GNI per Capita Saldo Promedio de Prstamos Vigentes Ajustado/ INB per cpita Solde de prt moyen, ajust/ PNB par habitant
Number of depositors with any type of deposit account Nmero total de Depositantes (considerando todos los tipos de cuentas de depsito) Nombre total d'pargnants
Number of all deposit accounts Nmero total de Cuentas de Depsito Nombre total de comptes d'pargne
Total value of all deposit accounts Saldo total de las Cuentas de Depsito Montant total des comptes d'pargne
Deposits/ Number of Depositors Depsitos/ Nmero de Depositantes Total de l'pargne/ Nombre d'pargnants total
Average Deposit Balance per Depositor/ GNI per capita Saldo Promedio por Depositante/ INB per Cpita Montant moyen de dpt par dposant/ RNB par habitant
Depositors/ Number of Deposit Accounts Depsitos / Nmero de Cuentas de Depsito Total de l'pargne/ Nombre total de comptes d'pargne
Average Deposit Account Balance/ GNI per capita Saldo Promedio por Cuenta de Depsitos/ INB per CpitaMontant de dpt moyen/ RNB par habitant
Total income generated by a country's residents, irrespective of location / Total number of residents (World Development Indicators) Ingreso total generado por los residentes de un pas, no importando su localizacin/ Poblacin Total (Indicatodores de Desarrollo Mundial) Revenu total gnr par les ressortissants d'un pays / Nombre total des ressortissants (World Development Indicators)
Annual growth in the total output of goods and services occurring within the territory of a given country (World Development Indicators) Crecimiento anual en la Produccin total de bienes y servicios en el territorio de un pas dado (Indicatodores de Desarrollo Mundial) Croissance annuelle du total des produits et services sur l'ensemble du territoire d'un pays donn (World Development Indicators)
Interest rate offered to resident customers for demand, time, or savings deposits (IMF/International Financial Statistics) Tasa de Inters ofrecida a los residentes para depsitos a la vista, ahorro o plazo (FMI / Estadsticas Financieras Internacionales) Taux d'intrt propos aux clients nationaux pour les dpts vue ou terme (FMI/International Financial Statistics)
Annual change in average consumer prices (IMF/International Financial Statistics) Variacin Anual en el ndice de Precios al Consumir promedio (FMI / Estadsticas Financieras Internacionales) Changement dans le cours des prix la consommation (FMI/International Financial Statistics)
Money aggregate including currency, deposits and electronic currency (M3) / GDP, measuring the monetization of the economy (IMF/International Financial Statistics) Agregado monetario incluyendo el efectivo, Depsitos y Dinero electrnico (M3) / PIB medido por la monetizacin de la economa (FMI / Estadsticas Financieras Internacionales) Masse montaire comprenant les devises, les dpts, et les devises lectroniques (M3) / PIB, et qui mesure la montisation de l'conomie (FMI/International Financial Statistics)
(Adjusted Net Operating Income - Taxes)/ Adjusted Average Total Assets Resultado de operacin ajustado, desp. de impuestos/ Promedio del total del activo ajustado Rsultat oprationnel ajust, aprs impts/ Montant moyen de l'actif
(Adjusted Net Operating Income - Taxes)/ Adjusted Average Total Equity Resultado de operacin ajustado, desp. de impuestos/ Promedio del total del patrimonio ajustado Rsultat oprationnel ajust, aprs impts/ Montant moyen des fonds propres
Financial Revenue/ (Financial Expense + Impairment Losses on Loans + Operating Expense) Ingresos financieros/ (Gastos financieros + Gasto de Provisin para Cartera de Prstamos, neta + Gastos operacionales) Produits financiers/ (Ch. financires + Dot. nettes aux Prov. pour prts irrcouv. + Ch. d'exploitation)
Adjusted Financial Revenue/ Adjusted (Financial Expense + Impairment Losses on Loans + Operating Expense) Ingresos financieros Ajustados/ (Gastos financieros + Gasto de Provisin para Cartera de Prstamos + Gastos operacionales) Ajustados Produits financiers, ajusts/ (Ch. financires + Dot. nettes aux Provisions pour prts irrcouvrables + Ch. d'exploitation) ajustes
Adjusted Financial Revenue/ Adjusted Average Total Assets Ingresos financieros Ajustados/ Activo Total Promedio Ajustado Produits financiers, ajusts/ Actif moyen
Adjusted Net Operating Income/ Adjusted Financial Revenue Resultado de operacin neto Ajustado/ Ingresos operacionales Ajustados Rsultat oprationnel, ajust/ Produits financiers, ajusts
Adjusted Financial Revenue from Loan Portfolio/ Adjusted Average Gross Loan Portfolio Ingresos Financieros por Cartera Bruta de Prstamos/ Cartera Bruta de Prstamos Promedio Ajustada Intrts, frais et commissions perus sur le portefeuille de crdits/ Encours de crdits brut moyen, retrait
(Adjusted Yield on Gross Portfolio (nominal) - Inflation Rate)/ (1 + Inflation Rate) (Rendimiento nominal sobre la cartera bruta - Tasa de inflacin)/ (1 + Tasa de inflacin) (Rendement nominal du portefeuille brut - Taux d'inflation)/ (1 + Taux d'inflation)
Adjusted (Financial Expense + Net Impairment Loss + Operating Expense) / Adjusted Average Total Assets (Gastos financieros + Gasto de Provisin para Cartera de Prstamos, neta + Gastos operacionales) Ajustado/ Activo Total Promedio Ajustado (Ch. financires + Dotations nettes aux Provisions pour prts irrcouvrables + Ch. d'exploitation) ajustes/ Actif moyen
Adjusted Financial Expense/ Adjusted Average Total Assets Gastos Financieros Ajustados/ Activo Total Promedio Ajustado Ch. financires retraites/ Actif moyen, retrait
Adjusted Impairment Losses on Loans/ Adjusted Average Total Assets Gasto de Provisin para Cartera de Prstamos, neta Ajustada/ Activo Total Promedio Ajustado Dot. nettes aux Provisions pour prts irrcouvrables, ajustes/ Actif moyen
Adjusted Operating Expense/ Adjusted Average Total Assets (Gastos operacionales + Donaciones en Especie)/ Activo Total Promedio Ajustado Charges d'exploitation, ajustes/ Actif moyen
Adjusted Personnel Expense/ Adjusted Average Total Assets Gasto de Personal / Activo Total Promedio Ajustado Ch. de personnel, ajustes/ Actif moyen
Adjusted Administrative Expense/ Adjusted Average Total Assets Gastos Administrativos Ajustados/ Activo Total Promedio Ajustado Ch. administratives, ajustes/ Actif moyen
(Unadjusted Net Operating Income - Adjusted Net Operating Income)/ Adjusted Average Total Assets (Resultado Operacional Neto No Ajustado - Resultado Operacional Neto Ajustado)/ Activo Total Promedio Ajustado (Rsultat net d'exploitation, non-retrait - Rsultat net d'exploitation, retrait)/ Actif moyen, retrait
Adjusted Operating Expense/ Adjusted Average Gross Loan Portfolio Gastos Operacionales Ajustados/ Cartera Bruta de Prstamos Promedio Ajustada Charges d'exploitation, ajustes/ Encours brut moyen de prts
Adjusted Personnel Expense/ Adjusted Average Gross Loan Portfolio Gasto de Personal Ajustado/ Cartera Bruta de Prstamos Promedio Ajustada Ch. de personnel, ajustes/ Encours brut moyen de prts
Adjusted Average Personnel Expense/ GNI per capita Gasto de Personal Promedio Ajustado/ INB per cpita Montant moyen des ch. de personnel, ajust/ PNB par habitant
Adjusted Operating Expense/ Adjusted Average Number of Active Borrowers Gastos Operacionales Ajustados/ Prestatarios Activos Promedio Ajustado Charges oprationnelles, ajustes/ Nombre moyen d'emprunteurs actifs, ajust
Adjusted Operating Expense/ Adjusted Average Number of Loans Gastos Operacionales Ajustados/ Prstamos Vigentes Promedio Ajustado Charges oprationnelles, ajustes/ Nombre moyen de prts en cours, ajust
Adjusted Number of Active Borrowers/ Number of Personnel Nmero de Prestatarios Activos Ajustado/ Nmero de Personal Nombre d'emprunteurs actifs, ajust/ Effectifs du personnel
Adjusted Number of Loans Outstanding/Number of Personnel Nmero de Prstamos Vigentes Ajustado/ Nmero de Personal Nombre de prts en cours, ajust/ Effectifs du personnel
Adjusted Number of Active Borrowers/ Number of Loan Officers Nmero de Prestatarios Activos/ Nmero de Oficiales de Crdito Nombre d'emprunteurs actifs, ajust/ Nombre d'agents de crdit
Adjusted Number of Loans Outstanding/ Number of Loan Officers Nmero de Prstamos Vigentes Ajustado/ Nmero de Oficiales de Crdito Nombre de prts en cours, ajust/ Nombre d'agents de crdit
Number of Depositors/ Number of Personnel Nmero de Depositantes / Nmero de Personal Nombre d'pargnants ./ Effectifs du personnel
Number of Deposit Accounts/ Number of Personnel Nmero de Cuentas de Depsito/ Nmero de Personal Nombre de comptes d'pargne / Effectifs du personnel
Number of Loan Officers/ Number of Personnel Nmero de Oficiales de Crdito/ Nmero de Personal Nombre d'agents de crdit/ Effectifs du personnel
Outstanding balance, portfolio overdue> 30 Days + renegotiated portfolio/ Adjusted Gross Loan Portfolio Saldo de Prstamos Atrasados > 30 das/ Cartera Bruta de Prstamos Ajustada Capital restant d pour prts avec montants chus > 30 jours/ Encours brut de prts, ajust
Outstanding balance, portfolio overdue> 90 Days + renegotiated portfolio/ Adjusted Gross Loan Portfolio Saldo de Prstamos Atrasados > 90 das/ Cartera Bruta de Prstamos Ajustada Capital restant d pour prts avec montants chus > 90 jours/ Encours brut de prts, ajust
Adjusted Value of loans written-off/ Adjusted Average Gross Loan Portfolio Valor de Prstamos Castigados Ajustado/ Cartera Bruta Promedio Ajustada Valeur des prts radis, ajuste/ Encours brut moyen de prts
(Adjusted Write-offs - Value of Loans Recovered)/ Adjusted Average Gross Loan Portfolio Prstamos castigados ajustados, neto de recuperaciones/ Promedio de la cartera bruta ajustada Valeur des prts radis, ajuste et diminue des reprises de capital/ Encours brut moyen de prts
Adjusted Impairment Loss Allowance/ PAR > 30 Days Provisin para Cartera de Prstamos/ Cartera en Riesgo > 30 das Provision pour prts irrcouvrables, ajuste/ PAR > 30 jours
Adjusted Cash and banks/ Adjusted Total Assets Caja y Banco Ajustado/ Activo Total Ajustado Caisses et disponibilits bancaires/ Total actif, retrait
Short Term Assets/ Short Term Liabilities Activo de Corto Plazo / Pasivo de Corto Plazo Actif court terme/ Passif court terme
Notes to Adjustments and Peer Groups Notas para los Ajustes y Calidad de Datos Notes aux ajustements et qualit des donnes
MIX analysis is based on comparison among peer groups of like institutions, classified using criteria such as program size, poverty level of the target group, region and level of financial intermediation. The financial results we generate are adjusted to ensure comparability, taking into account the effect of inflation, of subsidy levels, and of differences in loan loss provisioning. This report gives you both an accurate picture of your financial results and a comparison to those of your peers. El anlisis de MIX se basa en una comparacin entre Grupos Pares similares, clasificados por criterios como el tamao, el nivel de la pobreza del grupo objetivo, la regin y el nivel de intermediacin financiera. Los resultados financieros son ajustados para asegurar la comparacin, tomando en cuenta el efecto de la inflacin, los subsidios y las diferencias en las provisiones para incobrables. Este reporte ofrece una imagen precisa de sus resultados financieros en comparacin a otras instituciones similares. L'analyse du MIX tablit des comparaisons entre des groupes dinstitutions semblables, dfinis par des critres tels que la taille des programmes, le niveau de pauvret de la population concerne et la zone gographique. Les rsultats financiers sont ajusts afin que la comparaison prenne en compte les effets de linflation, les niveaux de subventions et les diffrences de provisionnement pour prts irrcouvrables. Ce rapport offre donc une image exacte de vos rsultats financiers ainsi qu'une comparaison avec les rsultats de vos pairs.
Peer Group Criteria and Information Quality Criterio de Grupos Pares y Calidad de Informacin Critres des groupes de pairs et qualit de l'information
The information included in the peer group averages is not independently verified. It is self-reported data voluntarily submitted by institutions like yours. We have represented our comfort level with the data provided for each peer group with a Data Quality grading. La informacin incluida en el promedio de grupos pares no es comprobada independientemente. Est presentada voluntariamente por instituciones como la suya. Representamos nuestro nivel de apoyo en los datos proporcionados por cada grupo de pares con una clasificacin de calidad. L'information utilise dans les moyennes des groupes de pairs na pas t vrifie de manire indpendante. Elle est fournie volontairement par les institutions. Nous reprsentons la fiabilit des donnes fournies par chaque institution par l'indice de qualit des donnes .
The Bulletin classifies information from participating institutions according to the degree to which we have independent verification of its reliability. Information with *** has been independently generated through a detailed financial analysis by an independent third party, such as a CAMEL evaluation, a CGAP appraisal, or assessments by reputed rating agencies. Information with ** is backed by accompanying documentation, such as audited financial statements, annual reports, and independent program evaluations that provide a reasonable degree of confidence for our adjustments. Information with * is from MFIs that have limited themselves to completing our questionnaire. These ratings signify confidence levels on the reliability of the information; they are not intended as a rating of the financial performance of the MFIs. El Boletn clasifica la informacin de IMF participantes con acuerdo al nivel verificado independientemente por su fiabilidad. La informacin con *** ha sido generado a travs de un anlisis financiero detallado por una entidad independiente, como por ejemplo, una evaluacin de CAMEL, una valoracin de CGAP, o una calificacin por una agencia fiable. La informacin con ** es apoyada por documentos acompaantes, como los estados financieros auditados, reportes anuales o evaluacin de programas independientes que proporcionan un nivel de fiabilidad razonable de nuestros ajustes. La informacin con * es derivada de IMF que se han limitado en completar nuestro cuestionario. Estas clasificaciones representan niveles de fiabilidad de la informacin; no estn previstas para una clasificacin de desempeo financiero de las IMFs. Le Bulletin classifie l'information des institutions participantes selon le degr de vrification indpendante. Ce systme dvaluation attribue la mention *** aux informations obtenues d'un rapport dun organisme tiers fiable, tel qu'une valuation CAMEL ou CGAP, ou un rating d'une agence renome. Les informations contenues dans des tats financiers, rapports annuels ou valuations de programmes ayant fait lobjet dune vrification par des auditeurs indpendants ont reu la mention **. Lorsquun programme na fait que renvoyer notre questionnaire, les informations ont reu la mention *. Ces notations indiquent le niveau de confiance en la fiabilit des informations; elles ne constituent pas une valuation de la performance financire des institutions.
Neither the Editorial Staff, nor the Advisory and Review Panel, nor the MIX can be held responsible for the validity of the information presented here. Ni el personal de redaccin, ni la asesora, ni la comisin de estudios, ni el MIX se responsabilizan por la validez de la informacin presentada este reporte. Ni la rdaction ni le MIX ne sauraient tre tenus responsables de la validit des informations fournies dans le prsent rapport.
A brief description of the peer groups, their members and the number of MFIs in each peer group classified by the information quality rating assigned to each is provided page 12. Full details are available in The MicroBanking Bulletin. La pagina 12 ofrece una descripcin breve de los Grupos Pares, sus miembros y el nmero y la clasificacin de cada uno de los participantes. El MicroBanking Bulletin dispone informacin ms detallada. La page 12 offre une brve description des groupes de pairs et du niveau de qualit des informations attribu chacun des participants. Vous trouverez plus d'informations dans le MicroBanking Bulletin.
Adjustments Ajustes Ajustements
We have adjusted the cost of funds on income statements for all MFIs to take into account the effect of inflation on an institutions equity over time. This adjustment takes the form of a net expense account on the income statement, reducing reported net income. It is offset by an equity account, which shows the distribution between real net income and the effect of inflation on equity. The financial results of all MFIs include this adjustment, except those that use a generally accepted method of inflation-based accounting. El coste de fondos del estado de resultados de todas las IMFs ha sido ajustado para reflejar el efecto de inflacin en el patrimonio de la IMF a largo plazo. Este ajuste se refleja como cuenta de gasto neto en el estado de resultados, que al mismo tiempo reduce la utilidad neta. Se compensa por una cuenta de patrimonio que refleja la distribucin entre utilidad real neta y el efecto de la inflacin en el patrimonio. Los resultados financieros de todas las IMFs incluyen este ajuste, excepto aquellas que utilizan mtodos de contabilidad ajustados por inflacin que son generalmente aceptados. Les cots de financements du compte de rsultat ont t ajusts pour toutes les IMF afin de prendre en compte les effets long terme de linflation sur les fonds propres. Cet ajustement se prsente sous forme dun compte de charges net figurant sur le compte de rsultat et diminuant le rsultat constat. Sa contrepartie est un compte de capital rvlant la rpartition entre les rsultats rels et laugmentation du capital d linflation. Les rsultats financiers de toutes les IMF comprennent cet ajustement, except ceux utilisant une mthode de comptabilit tenant compte de linflation.
Income reporting has also been adjusted for most MFIs to show real profits without the presence of subsidies. Adjustment for subsidies to the cost of funds is the most common adjustment made to results of MFIs participating in this round. We add an additional cost for any liabilities bearing interest rates which are substantially lower than the market price, to be able to compare institutions with widely varying levels of subsidy as though they were unsubsidized. Determining the market price is a difficult issue. However, for purposes of comparison, the most important issue is that whatever rule we choose must be applied consistently across institutions. We have chosen to use the deposit rate as reported by the IMF as the shadow price for market interest rates. Donations are also separated, and profits are calculated on the basis of only operational income and expenses. Finally, we take into account in-kind subsidies by including any costs such as a directors salary, free rent, or other operationa Los beneficios de la mayora de los participantes han sido ajustados descontando subvenciones para reflejar los beneficios reales. El ajuste de los gastos de fondos por las subvenciones es el ajuste ms comn de los participantes en esta ronda. Un costo adicional es aadido por cualquier pasivo que sea significativamente ms bajo que el precio comercial, para poder comparar las instituciones a niveles diversos de subvencin como si no fuesen subvencionados. La determinacin del precio comercial es una tarea difcil. Sin embargo, por razones de comparacin, el objetivo ms importante es el de asegurarse que el mtodo escogido es aplicado de una manera uniforme a todas las instituciones. Hemos decidido utilizar el inters de depsito presentado por FMI como el precio de las tasas comerciales. Tambin excluimos donaciones y las rentas se calculan solamente a base de ingresos y gastos operacionales. Por ltimo, gastos como el salario del director, alquiler gratuito, u otros gastos operacionales pagados por otra e Les bnfices de la plupart des IMF ont galement t ajusts pour reflter les bnfices rels en labsence de subventions. Les ajustements pour subventions aux cots de financement sont les plus frquents pour les IMF participantes. Un cot supplmentaire a t rajout pour tout endettement pour lequel le taux dintrts est nettement infrieur au taux commercial. Ceci permet de comparer des institutions bnficiant de taux de subventions trs variables comme si elles ntaient pas subventionnes. La dtermination du taux de march est dlicate. Nanmoins, pour comparer, il est important de s'assurer que la mthode choisie soit applique uniformment toutes les institutions. Nous avons retenu le taux de comptes de dpts comme cot thorique du march. Les subventions ont t classes part et les bnfices ne sont calculs que sur la base des revenus et frais dexploitation. Enfin, les charges tels que le salaire du directeur, remises de loyer ou toute autres charges dexploitation rgles par une a
Lastly, we standardize loan loss provisioning and write off policies. We provision for 50% of the outstanding balance of loans that are past-due more than 90 days but less than 180 days or are rescheduled, and 100% of the balance of overdue loans over 180 days. Any loans outstanding more than 365 days are fully written off. Por ultimo, normalizamos las normas de provisin para incobrables y castigos. Suministramos el 50% de deudas pendientes que hayan sobrepasado 90 das pero menos de 180 das, y el 100% por las deudas pendientes de ms de 180 das. Deudas pendientes de ms de 365 das son castigados por completo. Pour finir, nous standardisons le provisionnement et la radiation pour prts irrcouvrables. Les dotations aux provisions atteignent 50 % du montant des crances chues de plus de 90 jours et moins de 180 jours ou rengocies, et 100 % du montant chu de plus de 180 jours. Les crances chues de plus de 360 jours sont radies.
BALANCE SHEET Balance General Bilan
TOTAL ASSETS Total del activo Total de l'actif
TOTAL LIABILITIES Total del Pasivo Total des dettes
TOTAL EQUITY Total del Patrimonio Total des fonds propres
TOTAL LIABILITIES AND EQUITY Total del Pasivo y Patrimonio Total du passif
Cash, petty cash, balances in banks, including non-interest bearing deposits Todas las cuentas corrientes, cuentas de caja chica y efectivo incluso depsitos no renumeradas. Trsorerie et comptes en banque non rmunrs
Cash reserves in a central bank Reservas de efectivo en el Banco Central. Rserve lgale la Banque Centrale
Treasury bills and other short term investments, including interest-bearing deposits, convertible to cash within 12 months. Usually used in liquidity management. Bonos del tesoro y otras inversiones a corto plazo, incluso cuentas renumeradas que son convertibles a efectivo dentro de 12 meses. Normalmente usados en la gestin de liquidez. Bons de trsors ou tout autre placement court terme, y compris dpts rmunrs, exigibles un an ou moins.
Gross Loan Portfolio minus Loan Loss Reserve La cartera neta menos la reserva para prstamos incobrables. Encours de prts moins prov. pour pertes sur prts
All outstanding principal for all outstanding client loans, including current, delinquent and restructured loans, but not loans that have been written off. It does not include interest receivable. It does not include employee loans. La porcin del saldo de principal para todos los prstamos pendientes; incluso prstamos vigentes, delincuentes y reestructurados salvo los prstamos castigados. No incluye intereses por cobrar o prstamos a empleados. Le solde de l'encours des prts. Ce solde comprend les prts sains, risque et restructurs, mais exclut les prts rays du portefeuille. Il n'inclut pas les intrts courus et non chus.
The portion of the gross loan portfolio that has been expensed (provisioned for) in anticipation of losses due to default. This item represents the cumulative value of the loan loss provision expense, less the cumulative value of loans written off. La porcin de la cartera bruta de prstamos que ha sido aprovisionada con anticipacin de prdidas debido a falta de pago. Esta misma representa el valor acumulativo de la provisin para incobrables neta menos el valor acumulativo de los prstamos castigados. La portion du montant de l'encours brut de prts ayant fait l'objet d'une dotation aux provisions dans l'anticipation de pertes conscutives aux dfauts de paiement. Il comprend la valeur cumule des dotations nettes aux provisions, moins la valeur cumule des prts rays du portefeuille.
Interest receivable on all asset accounts. Recorded by institutions using accrual accounting. Intereses por cobrar sobre todas las cuentas del activo. Apropiado slo para las instituciones que usan contabilidad devengada. Intrts courus et non chus recevoir. Ce compte est rserv aux institutions qui utilisent un systme de comptabilit d'engagement.
Accounts receivable, notes receivables and other receivables. This includes all receivables other than client loan accounts, including employee loans. Cuentas, documentos y otros activos por cobrar. Esta cuenta incluye todas las cuentas por cobrar salvo prstamos a clientes. Incluye prstamos a empleados. Autres comptes recevoir, crances ou comptes dbiteurs. Inclue tous comptes recevoir autres que prts aux clients (incluant prts aux employs)
Long term investments not convertible to cash within 12 months Total de las cuentas del activo a largo plazo. Comptes d'investissements exigibles plus d'un an
The purchase value of property, plant and equipment, less accumulated depreciation. This includes intangibles, such as MIS development or goodwill, less accumulated amortization. El precio de compra de propiedad planta y equipo, menos deprecicin acumlada. Inlcuye intagibles como el desarrollo del sistema informtico, menos amoritzacin acumulada. La somme des immobilisations corporelles et incorporelles nettes.
Total of all net asset accounts Total de las cuentas netas del activo. La somme des comptes nets de l'actif
Total of Voluntary and Compulsory Savings Total de los depsitos voluntarios y obligatorios. Total des comptes d'p. volontaire et obligatoire
Demand deposits from the general public and members that are not maintained as a condition for accessing a current or future loan and are held with the institution Depsitos a la vista del pblico en general y miembros que no son vinculados a prstamos de la institucin. Comptes vue du public et des membres maintenus par l'institution et qui ne constitue pas la contrepartie d'un prt auprs de cette dernire
Client savings accounts that are maintained as a condition for a current or future loan and are held with the institution Clientes con cuentas de ahorros vinculadas a prstamos de la institucin y controladas por la institucin. Compte d'pargne dpose que les clients sont tenus de maintenir auprs de l'institution en contrepartie d'un prt
Certificates of deposit or other fixed term deposits Certificados de depsito u otros depsitos a plazos fijos.Comptes de dpts
Total of Commercial and Concessional Borrowings Total de las obligaciones a tasas comerciales y subsidiadas. Somme des emprunts taux de march et taux subventionns
Principal balance of all borrowings, including overdraft accounts, for which the institution pays a nominal rate of interest that is less than the local commercial interest rate Saldo de principal de obligaciones, inclusive sobregiros, con una tasa de inters nominal que es menor a la tasa comercial local. Le solde de l'encours des emprunts pour lesquels l'institution paie un taux d'intrt nominal qui est infrieur au taux d'intrt de march local
Principal balance of all borrowings, including overdraft accounts, for which the institution pays a nominal rate of interest that is greater than to or equal to the local commercial interest rate Saldo del principal de obligaciones, inclusive sobregiros, con una tasa de inters nominal que es equivalente o mayor a la tasa comercial local. Le solde de l'encours des emprunts pour lesquels l'institution paie un taux d'intrt nominal qui est suprieur ou gal au taux d'intrt de march local
Interest payable on all liability accounts. Recorded by institutions using accrual accounting. Intereses por pagar sobre todas las cuentas del pasivo. Apropiado slo para las instituciones que usan contabilidad devengada. Intrts courus et non chus payer. Ce compte est rserv aux institutions utilisant un systme de comptabilit d'engagement.
Other liabilities including tax and salary liabilities, social withholdings, deferred income, other accounts payable, including liabilities that do not fund the portfolio, such as mortgages on real estate. Otras obligaciones inclusive obligaciones de impuestos y salarios, retenciones sociales, otras cuentas por pagar, inclusive obligaciones que no soportan la cartera de prstamos, como hipotecas para propiedad. Autres comptes crditeurs, y compris les comptes d'tat dbiteurs ou les comptes payer.
Total of all liability accounts Total de todas las cuentas del pasivo. La somme des comptes de dettes
Capital paid by shareholders or members Capital pagado por accionistas y miembros. Capital vers par les actionnaires ou les membres
Accumulated donations Donaciones acumuladas. Subventions et dons accumuls
Accumulated donations from prior periods Donaciones acumuladas de aos anteriores. Subventions et dons des exercices precedents
Donations from the current year Donaciones acumuladas del ao en curso. Subventions nettes de l'exercice en cours
Accumulated net income after taxes and before donations Ganancias o prdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos). La valeur cumule des rsultats nets, diminus d'impts, des exercices prcdents
Accumulated net income after taxes and before donations from prior periods Ganancias o prdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos) La valeur cumule des rsultats nets, diminus d'impts, des exercices prcdents. Ce compte n'enregistre pas de subventions nettes dont la valeur s'accumule au compte de Fonds propres issues de subventions
Net income after taxes and before donations from the current year Ganancias o prdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos) del ao en curso. Rsultat net (aprs impts et avant subventions), de l'exercice en cours
Value of all adjustments, including inflation adjustment Valor de todos los ajustes, inclusive el ajuste por inflacin. Valeur de tous les ajustements, incluant l'ajustement pour l'inflation
Value of inflation adjustment expense Valor de los gastos por el ajuste de inflacin. Charges nettes d'ajustement l'inflation
Value of subsidized cost of funds adjustment expense Valor de los gastos por el ajuste por subsidios al costo de fondos. La valeur des dotations au compte d'ajustement pour cots de financement subventionns
Value of in-kind subsidy adjustment Valor del ajuste por subsidios en especie. La valeur des subventions en nature
Reserves such as those imposed by law or statute. Reservas exigidas por las normas legales. Rserves telles que celles imposes par la loi ou par le statut.
Other equity accounts not included elsewhere Otras cuentas de patrimonio no incluidos en otra partes Autres comptes de fonds propres
Total of all equity accounts Total de las cuentas del patrimonio. La somme des comptes de fonds propres
Total of Total Liabilities and Total Equity Total de las cuentas del pasivo y patrimonio. La somme des comptes nets de l'actif
NET FINANCIAL INCOME Resultado Financiero Neto Rsultat financier
NET OPERATING INCOME RESULTADO DE OPERACIN NETO Rsultat oprationnel
NET INCOME (BEFORE TAXES AND DONATIONS) Resultado Neto (Antes de Donaciones y Impuestos) Rsultat net (avant impt et subventions)
NET INCOME (AFTER TAXES AND BEFORE DONATIONS) Res. Neto (Antes Donaciones y Despus de Impuestos) Rsultat net (aprs impt et avant subventions)
NET INCOME (AFTER TAXES AND DONATIONS) Resultados Neto (Despus de Donaciones y Impuestos) Rsultat net (aprs impt et subventions)
Total of revenue from loan portfolio and other financial assets, as well as other financial revenue from financial services Total de los ingresos por la cartera de prstamos y otros activos financieros, adems de otros ingresos financieros de servicios financieros. La somme des produits sur portefeuille et sur investissements, ainsi qu'autres produits financiers issus de services financiers
Total interest, fees and commission on loan portfolio Total del inters, honorarios y comisiones por la cartera de prstamos. Somme des intrts, frais et comm. perus sur l'encours de prts
Interest earned on loan portfolio Inters pagado por la cartera de prstamos. Intrts perus sur l'encours de prts
Penalties, commissions and other fees charged on loan portfolio Penalizaciones y comisiones recibidas por la cartera de prstamos. Pnalits, commissions et autres frais perus sur l'encours de prts
Net gains on other financial assets Ingresos netos por otros activos financieros. Les gains nets raliss sur les investissements
Other revenue from provision of financial services, including revenue from insurance or transfer services or non-financial revenue from the provision of financial services, such as the sale of passbooks or SmartCards. This account also include net exchange gains. Otros ingresos por la provisin de servicios financieros, incluso ingresos de seguros, giros e ingresos no financieros de la provisin de servicios financieros, como la venta de libretas bancarias y SmartCards. Incluso ganancias netas por fluctuaciones de cambio. Autres produits financiers issus de services financiers, y compris les primes d'assurance ou des services de virement. Ce compte comprend aussi les gains net sur taux de change
Total of financial expense on liabilities, net inflation adjustment, cost-of-funds adjustment and other expenses from financial services Total de los gastos por obligaciones, ajustes por inflacin y costo de fondos adems de gastos por otros servicios financieros. La somme des charges sur dettes, les dot. au compte d'ajustement pour cots de financement subv. et autres ch. fin. lies aux services financiers
Total of interest and fees paid on deposits and borrowings Total del inters y comisiones pagadas por obligaciones.La somme des charges sur comptes de dpts et sur emprunts
Interest and fees paid on demand or term deposits Inters pagado por depsitos a la vista o depsitos a plazo. Intrts et frais pays sur les comptes de dpts
Interest and fees paid on borrowings Inters y comisiones pagadas por obligaciones. Intrts et frais pays sur les emprunts
Reserved for institutions that use inflation based accounting. Net amount of inflation adjustment. Reservado para instituciones que usan contabilidad inflacionaria. Saldo neto del ajuste por inflacin. Valeur nette de l'ajustement l'inflation. Rserv aux institutions ayant une comptabilit inflationnaire
Cost of maintaining the value of the institution's equity Gasto de mantenimiento del valor del patrimonio. La valeur des dotations au compte d'ajustement l'inflation
Gain on the value of fixed assets due to inflation Ingreso sobre el valor de los activos fijos debido a inflacin. La valeur des reprises au compte d'ajustement l'inflation
Adjustment expense for difference between market rate and concessional rate on borrowings Gastos netos del ajuste por la diferencia entre tasas del mercado y tasas subsidiadas de las obligaciones. Charges pour compenser la diffrence entre le taux de march et le taux subventionn des emprunts
Other expenses from provision of financial services, including non-financial expenses on financial products, as well as net exchange depreciation Otros gastos por la provisin de servicios financieros, incluso gastos no financieros sobre productos financieros, adems de depreciacin de cambio (neta). Autres charges lies la prestation des services financiers, y compris les charges lies aux services financiers, ainsi que les pertes nettes de change
Financial Revenue minus Financial Expense Ingreso financiero menos el Gasto financiero. Produits financiers moins charges financires
Sum of loan loss provision expense and recovery on loans written off Sum of loan loss provision expense and recovery on loans written off Somme de la dot. aux prov. pour pertes sur prts et du recouvrement des prts rays du portefeuille
Loan Loss Provision Expense for the period Provisin para incobrables del periodo. Somme des dot. aux prov. pour prts irrcouv., des reprises sur prov et la perte sur prts irrcouv.
Total recovery on loans written off Total de la recuperacin de prstamos castigados. Reprise sur prts rays
Total of Personnel Expense and Administrative ExpenseTotal de los gastos de personal y gastos administrativos.La somme des charges de personnel et des charges administratives
Salaries, withholdings, fringe benefits and personnel taxes paid on all those who work for the institution Salarios, comisiones por consultora, retenciones, beneficios complementarios y impuestos por personal pagados por todos los empleados de la institucin. Salaires, avantages sociaux et autres charges patronales pays pour l'ensemble des effectifs de l'institution
Total of Rent and Utilities, Transportation, Office Supplies, Depreciation and Other Administrative Expenses Total de los gastos por arriendo, servicios pblicos, transporte, suministros, depreciacin y otros gastos administrativos. La somme des loyer et charges, transport, matriel et fournitures de bureau, dotations aux amortissements et autres charges administratives
Rent and utility charges Arriendo y servicios pblicos. Loyers et charges externes
Transportation of staff to attend to clients and to manage operations Transporte del personal para atender a los clientes y manejar las operaciones. Frais de transport du personnel pour dplacements sur le terrain
Printed matter, supplies, photocopies, books, etc. Impresos, suministros, fotocopias, libros etc. Impressions, petites fournitures de bureaux, photocopies, livres, etc.
Allowance for deterioration, eventual replacement of equipment Reserva para depreciacin y reemplazo final de equipo. Dotation pour dtrioration ou rparation du matriel
Other non-personnel administrative expenses Otros gastos administrativos (no para personal). Autres charges (hors personnel) relatives aux prestations financires
Financial Revenue less Financial Expense, Net Loan Loss Provision Expense and Operating Expense Ingreso financiero menos gasto financiero (neto de la provisin para incobrables y gastos operacionales). Produits d'exploitation moins les ch. fin., dot. aux prov. pour pertes sur prts et ch. d'exploitation
Non-operating Revenue less Non-operating Expense Ingresos no operacionales menos gastos no operacionales. Somme des prod. hors exploitation et prod. exceptionnels nets moins ch. hors exploitation
Revenue from activity unrelated to the MFI's core activity of providing financial services. This could include consulting income, sale of IT products, or fees for business development services (BDS). Revenue from activity unrelated to the MFI's core activity of providing financial services. This could include consulting income, sale of IT products, or fees for business development services (BDS). Revenue from activity unrelated to the MFI's core activity of providing financial services. This could include consulting income, sale of IT products, or fees for business development services (BDS).
Expenses from activity unrelated to the MFIs core activity of providing financial services, such as BDS development costs or consulting expenses Gastos de actividades no relacionadas al negocio bsico de la provisin de servicios financieros. Este mismo podra incluir a gastos por consultora o el desarrollo de servicios del desarrollo empresarial. Ch. issues d'une activit sans lien direct la prestation de services financiers (ex. dveloppement de services de conseil)
Net Operating Income less Net Non-operating Income Ingreso operacional menos el resultado no operacional. Rsultat d'exploitation plus rsultat hors exploitation
Includes all taxes paid on Net Income or other measure of profits as defined by local tax authorities. Includes all taxes paid on Net Income or other measure of profits as defined by local tax authorities. Includes all taxes paid on Net Income or other measure of profits as defined by local tax authorities.
Net Income (before Taxes and Donations) less Taxes Resultado neto (antes de impuestos y donaciones) menos impuestos. Rsultat net, aprs impts et avant subventions
Donations made to the MFI to subsidize its operations Donaciones a la institucin para subsidiar operaciones. Subventions aux oprations de l'institution
Net Income (after Taxes and before Donations) plus Donations. Net Income (after Taxes and before Donations) plus Donations. Net Income (after Taxes and before Donations) plus Donations.
INSTITUTIONAL CHARACTERISTICS CARACTERSTICAS INSTITUCIONALES CARACTRISTIQUES INSTITUTIONELLES
Peer Group 1 Grupo Par 1 Groupe de pairs 1
Africa frica Afrique
Asia Asia Asie
ECA ECA EAC
LAC LAC ALC
MENA MENA MOAN
Bank Banco Banque
Credit Union Cooperativa Cooprative
NBFI IFNB IFNB
NGO ONG ONG
Rural Bank Banco rural Banque rurale
All MFIs Todas las IMFs Toutes les IMF
FSS ASF ASF
Non-FSS No-ASF non-ASF
Profit Con fines de lucro A but lucratif
Not for Profit Sin Fines de Lucro A but non lucratif
Low end Base Baja Segment infrieur
Broad Base Amplia Segment intermd.
High end Base Alta Segment suprieur
Small Business Pequea Empresa Petite entreprise
Individual Individual Individ.
Individual/ Solidarity Individual/ Solidario Individ./ solidaire
Solidarity Solidario Groupe solidaire
Village Banking Banco Comunal Caisse villageoise
New Nueva Nouvelle
Young Joven Jeune
Mature Madura Mature
Small (Scale) Pequea (Escala) Petite (taille)
Medium (Scale) Media (Escala) Moyenne (taille)
Large (Scale) Grande (Escala) Grande (taille)
Small (Outreach) Bajo (Alcance) Petite (porte)
Medium (Outreach) Medio (Alcance) Moyenne (porte)
Large (Outreach) Alto (Alcance) Grande (porte)
Non FI No IF Pas d'IF
Low FI IF Baja IF basse
High FI IF Alta IF leve
Customized Performance Report Informe Personalizado de Desempeo Rapport de Performance Personnalis
Trends Tendencias Tendances
Peer Group Classifications Clasificaciones de Grupos Pares Classification des groupes de pairs
PEER GROUP Grupo Par Groupe de pairs
N N N
DATA QUALITY CALIDAD DATOS QUALIT
PARTICIPATING INSTITUTIONS Instituciones Participantes Institutions Participantes
Region: Africa Regin: frica Rgion: Afrique
Region: Asia Regin: Asia Rgion: Asie
Region: ECA Regin: ECA Rgion: EAC
Region: LAC Regin: LAC Rgion: ALC
Region: MENA Regin: MENA Rgion: MOAN
Charter Type: Bank Estatuto Jurdico: Banco Statut juridique: Banque
Charter Type: Credit Union Estatuto Jurdico: Cooperativa Statut juridique: Cooprative
Charter Type: NBFI Estatuto Jurdico: IFNB Statut juridique: IFNB
Charter Type: NGO Estatuto Jurdico: ONG Statut juridique: ONG
Charter Type: Rural Bank Estatuto Jurdico: Banco rural Statut juridique: Banque rurale
Sustainability: FSS Sostenibilidad: ASF Viabilit: ASF
Sustainability: Non-FSS Sostenibilidad: No-ASF Viabilit: non-ASF
Profit Status: Profit Fines: Con fines de lucro Statut fiscal: A but lucratif
Profit Status: Not for Profit Fines: Sin Fines de Lucro Statut fiscal: A but non lucratif
Target Market: Low End Mercado Meta: Base Baja March cible: Segment infrieur
Target Market: Broad Mercado Meta: Base Amplia March cible: Segment intermd.
Target Market: High End Mercado Meta: Base Alta March cible: Segment suprieur
Target Market: Small Business Mercado Meta: Pequea Empresa March cible: Petite entreprise
Methodology: Individual Metodologa: Individual Mthodologie: Individ.
Methodology: Individual/ Solidarity Metodologa: Individual/ Solidario Mthodologie: Individ./ solidaire
Methodology: Solidarity Metodologa: Solidario Mthodologie: Groupe solidaire
Methodology: Village Banking Metodologa: Banco Comunal Mthodologie: Caisse villageoise
Age: New Edad: Nueva Age: Nouvelle
Age: Young Edad: Joven Age: Jeune
Age: Mature Edad: Madura Age: Mature
Scale: Small Escala: Pequeo Taille: Petite
Scale: Medium Escala: Medio Taille: Moyenne
Scale: Large Escala: Grande Taille: Grande
Outreach: Small Alcance: Pequeo Porte: Petite
Outreach: Medium Alcance: Medio Porte: Moyenne
Outreach: Large Alcance: Grande Porte: Grande
Financial Intermediation: Non FI Intermediacin: No IF Intermdiation: Pas d'IF
Financial Intermediation: Low FI Intermediacin: IF Baja Intermdiation: IF basse
Financial Intermediation: High FI Intermediacin: IF Alta Intermdiation: IF leve
[These names are held confidential] [Los nombres de estas instituciones son confidenciales] [Le nom des institutions est confidentiel]
The MicroBanking Bulletin uses the following grading system to classify information received from MFIs: El MicroBanking Bulletin utiliza el sistema siguiente de clasificacin para clasificar la informacin recibida de las IMF: Le MicroBanking Bulletin utilise le systme de notation suivant pour classer l'information fournie par les IMF:
*** The information is supported by an in-depth financial analysis conducted by an independent entity in the last three years *** La informacin es apoyada por un anlisis financiero a fondo realizada por una entidad independiente en los ltimos tres aos *** L'information est appuye par une analyse financire approfondie ralise par une entit indpendante dans les trois dernires annes
** The MBB questionnaire plus audited financial statements, annual reports and other independent evaluations ** El cuestionario del MBB ms resultados financieros auditados, informes anuales y otras evaluaciones independientes ** Le questionnaire MBB plus les tats financiers audits, rapports annuels et autres valuations indpendantes
* The MBB questionnaire or audited financial statements without additional documentation * El cuestionario del MBB o de resultados financieros auditados sin documentacin adicional * Le questionnaire MBB ou les tats financiers audits sans autre document
Benchmarks Benchmarks Benchmarks
(2006 data) (Datos de Referencia 2006) (donnes 2006)
Benchmark data by Region Benchmarks por Regin Benchmarks par rgion
Benchmark data by Charter Type Benchmarks por Estatuto Jurdico Benchmark par statut juridique
Benchmark data by Sustainability & Profit Status Benchmarks por Sostenibilidad y Fines Benchmarks par viabilit et statut fiscal
Benchmark data by Target Market Benchmarks por Mercado Meta Benchmarks par march cible
Benchmark data by Methodology Benchmarks por Metodologa Benchmarks par mthodologie
Benchmark data by Age & Scale Benchmarks por Edad y Escala Benchmarks par ge et taille
Benchmark data by Outreach & Intermediation Benchmarks por Intermediacin y Cuartiles Benchmarks par porte et intermdiation
Notes Comentarios Remarques
(Sub - Saharan Africa) (frica del Sur de Sahara) (Afrique sub-saharienne)
(South & East Asia) (Asia del Sur y Este) (Asie du Sud et de l'Est)
(Eastern Europe & Central Asia) (Europa del Este y Asia Central) (Europe de l'Est et Asie Centrale)
(Latin America & the Caribbean) (Amrica Latina y El Caribe) (Amrique Latine et Carabes)
(Middle East & North Africa) (Medio Oriente y frica del Norte) (Moyen Orient et Afrique du Nord)
(Bank) (Banco) (Banque)
(Credit Union) (Cooperativa) (Cooprative)
(Non - Bank Financial Intermediary) (Intermediario Financiero No Bancario) (Intermdiaire financier non bancaire)
(Rural Bank) (Banco rural) (Banque rurale)
(Non Government Organization) (Organizacin No Gubernamental) (Organisation non-gouvernementale)
(Financial Self-Sufficiency > 100%) (Auto-Suficiencia Financiera > 100%) (Auto-suffisance financire > 100%)
(Financial Self-Sufficiency < 100%) (Auto-Suficiencia Financiera < 100%) (Auto-suffisance financire < 100%)
(Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (Saldo Promedio por Prestatario/ PNB per Capita < 20%)(Prt moyen par emprunteur/ PNB par habitant < 20% et Prt moyen par emprunteur < USD 150)
(Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (Saldo Promedio por Prestatario/ PNB per Capita 20% y 150%) (Prt moyen par emprunteur/ PNB par habitant 20% et 150%)
(Avg. Balance per Borrower/ GNI per Capita > 150% and 250%) (Saldo Promedio por Prestatario/ PNB per Capita > 150% y 250%) (Prt moyen par emprunteur/ PNB par habitant > 150% et 250%)
(Avg. Balance per Borrower/ GNI per Capita > 250%) (Saldo Promedio por Prestatario/ PNB per Capita > 250%) (Prt moyen par emprunteur/ PNB par habitant > 250%)
(Individual & Solidarity; or Individual, Solidarity & Village Banking) (Individual y Solidario; o Individual, Solidario, y Bancos Comunales) (Individuelle et Solidarit; ou Individuelle, Solidarit et Caisse villageoise)
(0 to 4 Years) (0 a 4 Aos) (0 4 ans)
(5 to 8 Years) (5 a 8 Aos) (5 8 ans)
( > 8 Years) ( > 8 Aos) ( > 8 ans)
(GLP in USD, LAC < 4,000,000; Others<2,000,000) (CBP en USD < 4,000,000) (PF en USD, ALC , 4,000,000;Autres<2,000,000)
(GLP in USD, LAC 4,000,000 and 15,000,000; Others 2,000,000 and 8,000,000) (CBP en USD 4,000,000 y 15,000,000) (PF en USD,ALC 4,000,000 et 15,000,000;Autres 2,000,000 et 8,000,000)
(GLP in USD, LAC > 15,000,000; Others>8,000,000) (CBP en USD > 15,000,000) (PL en USD, ALC < 15,000,000;Autres>8,000,000)
(Number of Borrowers < 10,000) (Nmero de prestatarios < 10,000) (Nombre d'emprunteurs < 10,000)
(Number of Borrowers 10,000 and 30,000) (Nmero de prestatarios 10,000 y 30,000) (Nombre d'emprunteurs 10,000 et 30,000)
(Number of Borrowers > 30,000) (Nmero de prestatarios > 30,000) (Nombre d'emprunteurs > 30,000)
(Savings/ Total Assets = 0) (Ahorros/ Total del Activo = 0) (Epargne/ Actif total = 0)
(Savings/ Total Assets > 0 and < 20%) (Ahorros/ Total del Activo > 0 y < 20%) (Epargne/ Actif total > 0 et<20%)
(Savings/ Total Assets 20%) (Ahorros/ Total del Activo 20%) (Epargne/ Actif total 20%)
ACRONYM SIGLAS ACRONYME
NAME NOMBRE NOM
COUNTRY Pas Pays
DATA QUALITY Calidad de Datos Qualit des donnes
Year: Ao: Anne:
Number of Borrowers Nmero de prestatarios Nombre d'emprunteurs
Participating Institutions Instituciones Participantes Institutions Participantes
About MIX Acerca del MIX A propos du MIX
MicroBanking Bulletin and Performance Benchmarks El MicroBanking Bulletin y sus Benchmarks Le MicroBanking Bulletin et ses Benchmarks
The MicroBanking Bulletin (MBB) is one of the principal publications of MIX. The MBB is intended to improve financial performance of microfinance institutions (MFIs) through the publication and dissemination of the industrys financial and operational results. The financial results of MFIs around the world are gathered, put on common ground and compared. The MBB is published twice a year and disseminates the results of this comparative analysis. Participating institutions provide their data on a voluntary basis, and in return receive a comparative performance report that benchmarks their results with those of their peer group. MIX maintains all data strictly confidential. El MicroBanking Bulletin (MBB) es una de las publicaciones principales del MIX. El MBB pretende mejorar el desempeo financiero de instituciones de microfinanzas (IMF) a travs de la publicacin y diseminacin de los resultados financieros y operacionales de la industria. Los resultados financieros de los IMF alrededor del mundo son agregados, ajustados segn las normas comunes y comparados. El MBB es publicado dos veces al ao y disemina los resultados de este anlisis comparativo. Las instituciones participantes proveen sus datos voluntariamente y a cambio reciben un reporte de resultado comparativo que compara sus resultados con los del grupo de pares. El MIX mantiene los datos estrictamente confidenciales. Le MicroBanking Bulletin (MBB) est une des publications principales du MIX. Le MBB vise amliorer la performance financire des institutions de microfinance (IMF) par la publication et la dissmination des rsultats financiers de lindustrie. Les rsultats financiers et oprationnels des IMF partout dans le monde sont rassembls, ajusts selon des normes de l'industre et compars. Le MicroBanking Bulletin est publi deux fois par an et fournit les rsultats de cette analyse comparative. Les institutions participantes soumettent leurs informations volontairement et reoivent en contrepartie un rapport personnalis qui compare leurs rsultats ceux de leur groupe de pairs. Le MIX maintient les informations en stricte confidentialit.
Customized Performance Reports and MicroBanking Bulletin Informe Personalizado de Desempeo y MicroBanking Bulletin Rapport de performances personnalis et MicroBanking Bulletin
MFIs that submit data for the MicroBanking Bulletin receive a free Customized Performance Report. The MicroBanking Bulletin (MBB) is one of the principal outputs of the MIX. The MBB is intended to improve financial performance of microfinance institutions (MFIs) through the publication and dissemination of the industrys financial results. The financial results of MFIs around the world are gathered, placed on common ground and compared. The MBB is published twice a year and disseminates the results of this comparative analysis. Participating institutions provide their financial data on a voluntary basis and all data are maintained strictly confidential. Las IMFs que remiten sus datos para el MicroBanking Bulletin reciben un Informe Personalizado de Desempeo de forma gratuita. El MicroBanking Bulletin (MBB) es uno de los productos ms importantes del MIX. El MBB pretende mejorar el desempeo financiero de instituciones de microfinanzas (IMF) a travs de la publicacin y difusin de los resultados financieros de la industria. Los resultados financieros de las IMF alrededor del mundo son agregados, ajustados segn las normas comunes y comparados. El MBB es publicado dos veces al ao y difunde los resultados de este anlisis comparativo. Las instituciones participantes proveen sus datos financieros voluntariamente y todos los datos son estrictamente confidenciales. Les IMF qui transmettent leurs donnes au MicroBanking Bulletin reoivent un rapport de performances personnalis gratuit. Le MicroBanking Bulletin (MBB) est un des produits principaux du MIX. Le MBB vise amliorer la performance financire des institutions de microfinance (IMF) par la publication et la dissmination des rsultats financiers de lindustrie. Les rsultats financiers des IMF de partout dans le monde sont rassembls, ajusts selon des normes communes et compars. Le MicroBanking Bulletin est publi deux fois par an et fournit les rsultats de cette analyse comparative. Les institutions participantes soumettent leurs informations volontairement et ces informations sont maintenues strictement confidentielles.
e-mail: info@themix.org e-mail: info@themix.org e-mail: info@themix.org
web site: www.themix.org pagina de web: www.themix.org web site: www.themix.org
Microfinance Information eXchange (MIX) Microfinance Information eXchange (MIX) Microfinance Information eXchange (MIX)
The Microfinance Information Exchange, Inc. is a non-profit company dedicated to improving the information infrastructure of the microfinance industry in developing countries, by promoting standards of financial and operational reporting, offering readily accessible data, and providing specialized information services. For further information please visit www.themix.org Microfinance Information Exchange, Inc. (MIX) es una institucin sin fines de lucro dedicada a mejorar la infraestructura de informacin para la industria de microfinanzas de los pases en desarrollo, promoviendo la estandarizacin de reportes financieros y operacionales, ofreciendo y proveyendo servicios especializados de informacin. Para mayor informacin favor de visitar www.themix.org Le Microfinance Information Exchange, Inc. (MIX) est une organisation but non lucratif dont la mission est damliorer les infrastructures dinformation sur lindustrie de la microfinance travers le monde, en soutenant les standards de reporting financier et oprationnel, en fournissant des donnes sur le secteur et en offrant des services dinformation spcialiss. Pour plus dinformations, voir www.themix.org
MIX Amrica LatinaJr. Len Velarde 333, Lima 14, Per | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sngal | Tel/Fax : +221 820 55 07 MIX Amrica LatinaJr. Len Velarde 333, Lima 14, Per | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sngal | Tel/Fax : +221 820 55 07 MIX Amrica LatinaJr. Len Velarde 333, Lima 14, Per | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sngal | Tel/Fax : +221 820 55 07
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Graph Labels Graph Labels Graph Labels
Financing and Asset Structure Financiamiento y Estructura del Activo Financement et structure de l'actif
Capital/ Asset Ratio (MFI) Patrimonio/ Activos (IMF) Capital/ Actif (IMF)
Gross Loan Portfolio/ Total Assets (MFI) Cartera Bruta/ Total del Activo (IMF) Encours de prts sur actif total (IMF)
Capital/ Asset Ratio (Peer Group) Patrimonio/ Activos (Grupo Par) Capital/ Actif (Groupe de pairs)
Gross Loan Portfolio/ Total Assets (Peer Group) Cartera Bruta/ Total del Activo (Grupo Par) Encours de prts sur actif total (Groupe de pairs)
Adj. Number of Borrowers and Gross Loan Portfolio Nmero de Prestatarios y Cartera Bruta Ajustada Nombre d'emprunteurs ajusts et encours brut de prts
Number of Active Borrowers Nmero de prestatarios actuales Nombre d'emprunteurs actifs
Number of Active Borrowers (MFI) Nmero de Prestatarios Activos (IMF) Nombre d'emprunteurs actifs (IMF)
Gross Loan Portfolio (MFI) Cartera Bruta (IMF) Encours Brut de Prts (IMF)
Number of Active Borrowers (Peer Group) Nmero de Prestatarios Activos (Grupo Par) Nombre d'emprunteurs actifs (Groupe de pairs)
Gross Loan Portfolio (Peer Group) Cartera Bruta (Grupo Par) Encours brut de prts (Groupe de pairs)
Adjusted Return on Assets (MFI vs. All Participants) Retorno Sobre Activos, Ajustado IMF v. Todos Participantes) Rendement de l'actif (IMF par rapport tous participants)
Deconstructing Return on Assets Descomposicin de Retorno sobre Activos Dcomposition du rendement de l'actif
Returns Retornos Rendements
Operating Expense Ratio Operating Expense Ratio Operating Expense Ratio
Loan Loss Prov Exp. Ratio Razn de Provisin para Incobrables Ratio de dot. aux prov pour prts irrcouvrables
Financial Expense Ratio Financial Expense Ratio Financial Expense Ratio
Financial Revenue Ratio Financial Revenue Ratio Financial Revenue Ratio
Portfolio Yield and Asset Utilization Rendimiento sobre la cartera y utilizacin de activos Rendement et utilisation des actifs
Yield on Gross Loan Portfolio (MFI) Rendimiento de la Cartera Bruta (IMF) Rendement du portefeuille brut (IMF)
Gross Loan Portfolio/ Total Assets (MFI) Cartera Bruta/ Total del Activo (IMF) Encours de prts sur actif total (IMF)
Yield on Gross Loan Portfolio (Peer Group) Rendimiento de la Cartera Bruta (Grupo Par) Rendement du portefeuille brut (Groupe de pairs)
Gross Loan Portfolio/ Total Assets (Peer Group) Cartera Bruta/ Total del Activo (Grupo Par) Encours de prts sur actif total (Groupe de pairs)
Breakout of Expenses (MFI vs. Peers) Descomposicin de Gastos (IMF vs. Pares) Composantes des charges (IMF vs. Pairs)
Adj. Financial Exp. Ratio Razn de Gasto Financiero, Ajustado Ratio de ch. financires ajust
Adj. LLPE Ratio Razn de Provisin para Incobrables, Ajustada Ratio de dot. aux prov pour prts irrcouv. ajust
Adj. Personnel Exp. Ratio Razn de Gasto de Personal, Ajustado Ratio de ch. de personnel ajust
Adj. Admin. Exp. Ratio Razn de Gasto Administrativo, Ajustado Ratio de ch. aministratives ajust
Efficiency: Two Perspectives Eficiencia: Dos Perspectivas Efficience: deux perspectives
Efficiency and Productivity Productividad y eficiencia Productivit et efficience
Operating Expense/ LP Gastos Oper./ Cartera Ch. d'exploit./ portefeuille
Efficiency EFICIENCIA EFFICIENCE
Cost per Borrower - USD Gasto por Prestatario (USD) Cot par emprunteur (USD)
Operating Expense/ Loan Portfolio (MFI) Gastos Operacionales/ Cartera Bruta (IMF) Ch. d'exploitation sur portefeuille (IMF)
Operating Expense/ Loan Portfolio (Peer Group) Gastos Operacionales/ Cartera Bruta (Grupo Par) Ch. d'exploitation sur portefeuille (Groupe de pairs)
Cost per Borrower - USD (MFI) Gasto por Prestatario - USD (IMF) Cot par emprunteur - USD (IMF)
Cost per Borrower - USD (Peer Group) Gasto por Prestatario - USD (Grupo Par) Cot par emprunteur - USD (Groupe de pairs)
Portfolio Quality Calidad de Cartera Qualit du portefeuille
Portfolio at Risk > 30 days (MFI) Cartera en Riesgo > 30 Das (IMF) Portefeuille risque > 30 jours (IMF)
Write-off Ratio (MFI) Razn de Prstamos Castigados (IMF) Taux de radiation de prts (IMF)
Portfolio at Risk > 30 days (Peer Group) Cartera en Riesgo > 30 Das (Grupo Par) Portefeuille risque > 30 jours (Groupe de pairs)
Write-off Ratio (Peer Group) Razn de Prstamos Castigados (Grupo Par) Taux de radiation de prts (Groupe de pairs)
Clients Served Clientes Servidos Clients Servis
Loan Portfolio and Revenues Cartera de Prstamos e Ingresos Encours de prts et produits
Efficiency and Cost to Client Eficiencia y Gasto al Cliente Efficience et cot au client
Middle 50% Mediana +/- 25% 50% du milieu
MFI IMF IMF
PG GP GP
Language Idioma Langue
Tables Tablas Tableaux
Indicators Indicadores Indicateurs
Values Valores Valeurs
(Click on the link below) (Haga click sobre el siguiente enlace) (Cliquer sur le lien ci-aprs)
Definitions Definiciones Dfinitions
About Acerca de A propos de
Average Promedio anual Moyenne annuelle
Median Mediana Mdiane
Standard Deviation Desviacin Estndar Ecart type
Minimum Mnimo Minimum
Maximum Mximo Maximum
Number Nombre Nombre
MIX 2009 Benchmarks MIX Benchmarks - datos 2009 MIX Benchmarks - donnes 2009
Adjustment Summary Page Adjustment Summary Page Rsum des ajustements
Note that this MFI uses inflation-based accounting Esta IMF utiliza contabilidad ajustada por inflacin Cette IMF tient compte de l'inflation et retraite les chiffres ports aux tats financiers.
Yes S Oui
No No Non
(Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) (frica; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo 20%) (Afrique; PF > $8,000,000; Epargne volontaire/ Actif total 20%)
(Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets < 20%) (frica; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo < 20%) (Afrique;PF > $8,000,000; Epargne volontaire/ Actif total < 20%)
(Africa; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets 20%) (frica; CBP $2,000,000 y $8,000,000; Ahorros Voluntarios/ Total del Activo 20%) (Afrique; PF $2,000,000 et $8,000,000; Epargne volontaire/ Actif total 20%)
(Africa; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets<20%) (frica; CBP $2,000,000 y $8,000,000; y Ahorros Voluntarios/ Total del Activo < 20%) (Afrique; PF $2,000,000 et $8,000,000; Epargne volontaire/ Actif total < 20%)
(Africa; GLP < $2,000,000) (frica; CBP < $2,000,000) (Afrique; PF < $2,000,000)
(Africa; GLP < $2,000,000; Voluntary Savings/ Total Assets 20%) (frica; CBP < $2,000,000; Ahorros Voluntarios/ Total del Activo 20%) (Afrique; PF < $2,000,000; Epargne volontaire/ Actif total 20%)
(Africa; GLP < $2,000,000; and Voluntary Savings/ Total Assets < 20%) (frica; CBP < $2,000,000; y Ahorros Voluntarios/ Total del Activo < 20%) (Afrique; PF < $2,000,000; Epargne volontaire/ Actif total < 20%)
(Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (frica; CBP < $2,000,000 y Saldo Promedio por Prestatario/ INB per Capita < 20% y Balance Media por Prestatario < USD 150) (Afrique; PF < $2,000,000 et Prt moyen par emprunteur/ PNB par habitant < 20% et Prt moyen par emprunteur < USD 150)
(Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (frica; CBP < $2,000,000 y Saldo Promedio por Prestatario/ INB per Capita 20% y 150%) (Afrique; PF < $2,000,000 et Prt moyen par emprunteur/ PNB par habitant 20% et 150%)
(Asia; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) (Asia; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo 20%) (Asie; PF > $8,000,000; Epargne volontaire/ Actif total 20%)
(Asia; GLP > $8,000,000; Voluntary Savings/ Total Assets < 20%) (Asia; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo < 20%) (Asie; PF > $8,000,000; Epargne volontaire/ Actif total < 20%)
(Asia; GLP $2,000,000 and $8,000,000; Voluntary Savings/ Total Assets 20%) (Asia; CBP $2,000,000 y $8,000,000; Ahorros Voluntarios/ Total del Activo 20%) (Asie; PF $2,000,000 et $8,000,000; Epargne volontaire/ Actif total 20%)
(Asia; GLP $2,000,000 and $8,000,000; Voluntary Savings/ Total Assets 20%) (Asia; CBP $2,000,000 y $8,000,000; Ahorros Voluntarios/ Total del Activo 20%) (Asie; PF $2,000,000 et $8,000,000; Epargne volontaire/ Actif total 20%)
(Asia; GLP < $2,000,000; Voluntary Savings/ Total Assets 20%) (Asia; CBP < $2,000,000; Ahorros Voluntarios/ Total del Activo 20%) (Asie; PF < $2,000,000; Epargne volontaire/ Actif total 20%)
(Asia; GLP < $2,000,000) (Asia; CBP < $2,000,000) (Asie; PF < $2,000,000)
(Asia; GLP < $2,000,000; Voluntary Savings/ Total Assets < 20%) (Asia; CBP < $2,000,000; Ahorros Voluntarios/ Total del Activo < 20%) (Asie; PF < $2,000,000; Epargne volontaire/ Actif total < 20%)
(ECA; Avg. Balance per Borrower/ GNI per Capita > 150% and 250%) (ECA; Saldo Promedio por Prestatario/ PNB per Cpita > 150% y 275%) (EAC; Prt moyen par emprunteur/ PNB par habitant 150% et 275%)
(ECA; GLP > $8,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (ECA; CBP > $8,000,000; y Saldo Promedio por Prestatario/ PNB per Cpita 20% y 150%) (EAC; PF > $8,000,000; Prt moyen par emprunteur/ PNB par habitant 20% and 150%)
(ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (ECA; CBP $2,000,000 y $8,000,000; y Saldo Promedio por Prestatario/ PNB per Cpita 20% y 150%) (EAC; PF $2,000,000 et $8,000,000; Prt moyen par emprunteur/ PNB par habitant 20% and 150%)
(ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (ECA; CBP < $2,000,000; y Saldo Promedio por Prestatario/ PNB per Cpita 20% y 150%) (EAC; PF < $2,000,000; Prt moyen par emprunteur/ PNB par habitant 20% and 150%)
(ECA; GLP < $2,000,000) (ECA; CBP < $2,000,000) (EAC; PF < $2,000,000)
(ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (ECA; CBP < $2,000,000; y Saldo Promedio por Prestatario/ PNB per Cpita < 20% y Saldo Promedio por Prestatario < USD 150) (EAC; PF < $2,000,000; Prt moyen par emprunteur/ PNB par habitant < 20% et Prt moyen par emprunteur < USD 150)
(ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets > 0 and < 20%) (ECA; CBP > $8,000,000; Depsitos Voluntarios/ Activo Total > 0 y < 20%) (EAC; PF > $8,000,000; Epargne volontaire/ Actif total > 0 et < 20%)
(ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) (ECA; CBP > $8,000,000; Depsitos Voluntarios/Activo Total 20%) (EAC; PF > $8,000,000; Epargne volontaire/ Actif total 20%)
(ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita > 150%) (ECA; CBP $2,000,000 y $8,000,000; Saldo Promedio por Prestatario/ INB per Cpita > 150%) (EAC; PF $2,000,000 et $8,000,000; Prt moyen par emprunteur/ PNB par habitant > 150%)
(ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita 150%) (ECA; CBP $2,000,000 y $8,000,000; Saldo Promedio por Prestatario/ INB per Cpita 150%) (EAC; PF $2,000,000 et $8,000,000; Prt moyen par emprunteur/ PNB par habitant 150%)
(ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 250%) (ECA; CBP < $2,000,000; y Saldo Promedio por Prestatario/ INB per Cpita 20% y 250%) (EAC; PF < $2,000,000; Prt moyen par emprunteur/ PNB par habitant 20% and 250%)
(LAC; GLP > $15,000,000; Voluntary Savings/ Total Assets 20%) (CBP > $15,000,000; Ahorros Voluntarios/ Total del Activo 20%) (ALC; PF > $15,000,000; Epargne volontaire/ Actif total 20%)
(LAC; GLP > $15,000,000; Voluntary Savings/ Total Assets < 20%) (CBP > $15,000,000; Ahorros Voluntarios/ Total del Activo < 20%) (ALC; PF > $15,000,000; Epargne volontaire/ Actif total < 20%)
(LAC; GLP $4,000,000 and $15,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) (CBP $4,000,000 y $15,000,000; Saldo Promedio por Prestatario/ PNB per Cpita 20% y 150%) (ALC; PF $4,000,000 et $15,000,000; Prt moyen par emprunteur/ PNB par habitant 20% et 150%)
(LAC; GLP $4,000,000 and $15,000,000; Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) (CBP $4,000,000 y $15,000,000; Saldo Promedio por Prestatario/ PNB per Cpita < 20% y Saldo Promedio por Prestatario < USD 150) (ALC; PF $4,000,000 et $15,000,000; Epargne volontaire/ Actif total 20%)
(LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets 20%) (LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets 20%) (LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets 20%)
(LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets < 20%) (LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets < 20%) (LAC; GLP $4,000,000 and $15,000,000; Voluntary Savings/ Total Assets < 20%)
(LAC; GLP < $4,000,000;Avg. Balance per Borrower/ GNI per Capita 20% and 150% ) (CBP < $4,000,000; Saldo Promedio por Prestatario/ PNB per Cpita 20% y 150% ) (ALC; PF < $4,000,000; Prt moyen par emprunteur/ PNB par habitant 20% et 150% )
(LAC; GLP < $4,000,000;Avg. Balance per Borrower/ GNI per Capita<20% and Avg. Balance per Borrower < USD 150 ) (CBP < $4,000,000; Saldo Promedio por Prestatario/ PNB per Cpita < 20% y Saldo Promedio por Prestatario < USD 150 ) (ALC; PF < $4,000,000; Prt moyen par emprunteur/ PNB par habitant < 20% et Prt moyen par emprunteur < USD 150)
(MENA; GLP > $8,000,000) (MENA; CBP > $8,000,000) (MOAN; PF > $8,000,000)
(MENA; GLP $2,000,000 and $8,000,000) (MENA; CBP $2,000,000 y $8,000,000) (MOAN; PF $2,000,000 et $8,000,000)
(MENA; GLP < $2,000,000) (MENA; CBP < $2,000,000) (MOAN; PF < $2,000,000)
(Africa; GLP > $8,000,000; Financial Self-Sufficiency > 100%) (Africa; CBP > $8,000,000; Auto-Suficiencia Financiera > 100%) (Afrique; PF > $8,000,000; Auto-suffisance financire > 100%)
(Africa; GLP > $8,000,000; Financial Self-Sufficiency < 100%) (Africa; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%) (Afrique; PF > $8,000,000; Auto-suffisance financire < 100%)
(Africa; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) (Africa; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera > 100%) (Afrique; PF $2,000,000 et $8,000,000; Auto-suffisance financire > 100%)
(Africa; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) (Africa; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera < 100%) (Afrique; PF $2,000,000 et $8,000,000; Auto-suffisance financire < 100%)
(Africa; GLP < $2,000,000; Financial Self-Sufficiency > 100%) (Africa; CBP < $2,000,000; Auto-Suficiencia Financiera > 100%) (Afrique; PF < $2,000,000; Auto-suffisance financire > 100%)
(Africa; GLP < $2,000,000; Financial Self-Sufficiency < 100%) (Africa; CBP < $2,000,000; Auto-Suficiencia Financiera < 100%) (Afrique; PF < $2,000,000; Auto-suffisance financire < 100%)
(Asia; GLP > $8,000,000; Financial Self-Sufficiency > 100%) (Asia; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%) (Asie; PF > $8,000,000; Auto-suffisance financire > 100%)
(Asia; GLP > $8,000,000; Financial Self-Sufficiency < 100%) (Asia; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%) (Asie; PF > $8,000,000; Auto-suffisance financire < 100%)
(Asia; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) (Asia; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera > 100%) (Asie; PF $2,000,000 et $8,000,000; Auto-suffisance financire > 100%)
(Asia; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) (Asia; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera < 100%) (Asie; PF $2,000,000 et $8,000,000; Auto-suffisance financire < 100%)
(Asia; GLP < $2,000,000; Financial Self-Sufficiency > 100%) (Asia; CBP < $2,000,000; Auto-Suficiencia Financiera > 100%) (Asie; PF < $2,000,000; Auto-suffisance financire > 100%)
(Asia; GLP < $2,000,000; Financial Self-Sufficiency < 100%) (Asia; CBP < $2,000,000; Auto-Suficiencia Financiera < 100%) (Asie; PF < $2,000,000; Auto-suffisance financire < 100%)
(ECA; GLP > $8,000,000; Financial Self-Sufficiency > 100%) (ECA; CBP > $8,000,000; Auto-Suficiencia Financiera > 100%) (EAC; PF > $8,000,000; Auto-suffisance financire > 100%)
(ECA; GLP > $8,000,000; Financial Self-Sufficiency < 100%) (ECA; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%) (EAC; PF > $8,000,000; Auto-suffisance financire < 100%)
(ECA; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) (ECA; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera > 100%) (EAC; PF $2,000,000 et $8,000,000; Auto-suffisance financire > 100%)
(ECA; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) (ECA; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera < 100%) (EAC; PF $2,000,000 et $8,000,000; Auto-suffisance financire < 100%)
(ECA; GLP < $2,000,000; Financial Self-Sufficiency > 100%) (ECA; CBP < $2,000,000; Auto-Suficiencia Financiera > 100%) (EAC; PF < $2,000,000; Auto-suffisance financire > 100%)
(ECA; GLP < $2,000,000; Financial Self-Sufficiency < 100%) (ECA; CBP < $2,000,000; Auto-Suficiencia Financiera < 100%) (EAC; PF < $2,000,000; Auto-suffisance financire < 100%)
(LAC; GLP > $15,000,000; Financial Self-Sufficiency > 100%) (LAC; CBP > $15,000,000; Auto-Suficiencia Financiera > 100%) (ALC; PF > $15,000,000; Auto-suffisance financire > 100%)
(LAC; GLP > $15,000,000; Financial Self-Sufficiency < 100%) (LAC; CBP > $15,000,000; Auto-Suficiencia Financiera < 100%) (ALC; PF > $15,000,000; Auto-suffisance financire < 100%)
(LAC; GLP $4,000,000 and $15,000,000; Financial Self-Sufficiency > 100%) (LAC CBP $4,000,000 y $15,000,000; Auto-Suficiencia Financiera > 100%) (ALC; PF $4,000,000 et $15,000,000; Auto-suffisance financire > 100%)
(LAC; GLP $4,000,000 and $15,000,000; Financial Self-Sufficiency < 100%) (LAC; CBP $4,000,000 y $15,000,000; Auto-Suficiencia Financiera < 100%) (ALC; PF $4,000,000 et $15,000,000; Auto-suffisance financire < 100%)
(LAC; GLP < $4,000,000; Financial Self-Sufficiency > 100%) (LAC; CBP < $4,000,000; Auto-Suficiencia Financiera > 100%) (ALC; PF < $4,000,000; Auto-suffisance financire > 100%)
(LAC; GLP < $4,000,000; Financial Self-Sufficiency < 100%) (LAC; CBP < $4,000,000; Auto-Suficiencia Financiera < 100%) (ALC; PF < $4,000,000; Auto-suffisance financire < 100%)
SIMPLE PEER GROUPS GRUPOS PARES SIMPLES GROUPES DE PAIRS SIMPLES
COMPOUND PEER GROUPS GRUPOS PARES COMPUESTOS GROUPES DE PAIRS COMPOSES
Africa frica Afrique
Africa Large FI frica Grande IF Afrique Grande IF
Africa Large FSS frica Grande ASF Afrique Grande ASF
Africa Large Non FI frica Grande No IF Afrique Grande Pas d'IF
Africa Large Non FSS frica Grande Non FSS Afrique Grande Non FSS
Africa Medium FI frica Medio IF Afrique Moyenne IF
Africa Medium FSS frica Medio ASF Afrique Moyenne ASF
Africa Medium Non FI frica Medio No IF Afrique Moyenne Pas d'IF
Africa Medium Non FSS frica Medio Non FSS Afrique Moyenne Non FSS
Africa Small Broad frica Pequeo Base Amplia Afrique Petite Segment intermd.
Africa Small FI frica Pequeo IF Afrique Petite IF
Africa Small FSS frica Pequeo ASF Afrique Petite ASF
Africa Small Low frica Pequeo Low Afrique Petite Low
Africa Small Non FI frica Pequeo No IF Afrique Petite Pas d'IF
Africa Small Non FSS frica Pequeo Non FSS Afrique Petite Non FSS
Asia Asia Asie
Asia Large FI Asia Grande IF Asie Grande IF
Asia Large FSS Asia Grande IF Asie Grande IF
Asia Large Non FI Asia Grande IF Asie Grande IF
Asia Large Non FSS Asia Grande IF Asie Grande IF
Asia Medium FI Asia Medio IF Asie Moyenne IF
Asia Medium FSS Asia Medio ASF Asie Moyenne ASF
Asia Medium Non FI Asia Medio No IF Asie Moyenne Pas d'IF
Asia Medium Non FSS Asia Medio Non FSS Asie Moyenne Non FSS
Asia Small Asia Pequeo Asie Petite
Asia Small FI Asia Pequeo IF Asie Petite IF
Asia Small FSS Asia Pequeo ASF Asie Petite ASF
Asia Small Non FI Asia Pequeo No IF Asie Petite Pas d'IF
Asia Small Non FSS Asia Pequeo Non FSS Asie Petite Non FSS
Bank Banco Banque
Broad Base Amplia Segment intermd.
Credit Union Cooperativa Cooprative
ECA ECA EAC
ECA High ECA Base Alta EAC Segment suprieur
ECA Large Broad ECA Grande EAC Grande
ECA Large FI ECA Grande IF EAC Grande IF
ECA Large FSS ECA Grande ASF EAC Grande ASF
ECA Large Non FI ECA Grande No IF EAC Grande Pas d'IF
ECA Large Non FSS ECA Grande Non FSS EAC Grande Non FSS
ECA Medium Broad ECA Medio Base Amplia EAC Moyenne Segment intermd.
ECA Medium FSS ECA Medio ASF EAC Moyenne ASF
ECA Medium High SME ECA Medio High EAC Moyenne High
ECA Medium Low Broad ECA Medio Low EAC Moyenne Low
ECA Medium Non FSS ECA Medio Non FSS EAC Moyenne Non FSS
ECA Small Broad ECA Pequeo Base Amplia EAC Petite Segment intermd.
ECA Small Broad High ECA Pequeo Base Amplia EAC Petite Segment intermd.
ECA Small FSS ECA Pequeo ASF EAC Petite ASF
ECA Small Low ECA Pequeo Low EAC Petite Low
ECA Small Non FSS ECA Pequeo Non FSS EAC Petite Non FSS
For Profit Con Fines de Lucro Con Fines de Lucro
FSS ASF ASF
High End Base Alta Segment suprieur
High FI IF Alta IF leve
Individual Individual Individ.
Individual/ Solidarity Individual/ Solidario Individ./ solidaire
LAC LAC ALC
LAC Large FI LAC Grande IF ALC Grande IF
LAC Large FSS LAC Grande ASF ALC Grande ASF
LAC Large Non FI LAC Grande No IF ALC Grande Pas d'IF
LAC Large Non FSS LAC Grande Non FSS ALC Grande Non FSS
LAC Medium Broad LAC Medio Base Amplia ALC Moyenne Segment intermd.
LAC Medium FI LAC Medio IF ALC Moyenne IF
LAC Medium FSS LAC Medio ASF ALC Moyenne ASF
LAC Medium Low LAC Medio Low ALC Moyenne Low
LAC Medium Non FI LAC Medio No IF ALC Moyenne Pas d'IF
LAC Medium Non FSS LAC Pequeo Non FSS ALC Petite Non FSS
LAC Small Broad LAC Pequeo Base Amplia ALC Petite Segment intermd.
LAC Small FSS LAC Pequeo ASF ALC Petite ASF
LAC Small Low LAC Pequeo Low ALC Petite Low
LAC Small Non FSS LAC Pequeo Non FSS ALC Petite Non FSS
Large (Outreach) Alto (Alcance) Grande (porte)
Large (Scale) Grande (Escala) Grande (taille)
Low End Base Baja Segment infrieur
Low FI IF Baja IF basse
Mature Madura Mature
Medium (Outreach) Medio (Alcance) Moyenne (porte)
Medium (Scale) Media (Escala) Moyenne (taille)
MENA MENA MOAN
MENA Large MENA Grande MOAN Grande
MENA Medium MENA Medio MOAN Moyenne
MENA Small MENA Pequeo MOAN Petite
NBFI IFNB IFNB
New Nueva Nouvelle
NGO ONG ONG
Non FI No IF Pas d'IF
Non-FSS No-ASF non-ASF
Not for Profit Sin Fines de Lucro A but non lucratif
Rural Bank Banco rural Banque rurale
Small Business Pequea Empresa Petite entreprise
Small (Outreach) Bajo (Alcance) Petite (porte)
Small (Scale) Pequea (Escala) Petite (taille)
Solidarity Solidario Groupe solidaire
Village Banking Banco Comunal Caisse villageoise
Young Joven Jeune
Benchmarks Benchmarks Benchmarks
Users Manual Manual de Usuario Guide de Rfrence
Analyzing Performance Anlisis del Desempeo Analyser les performances
Analysts use ratios and other indicators in interpreting the performance of an MFI. Indicators show either simple information on an institution (such as its age) or a relationship between two or more pieces of information (such as borrowers and the number of staff who serve those borrowers) in order to shed light on an aspect of that institutions performance. By using standard indicators within an institution, an analyst can more accurately track the growth and changes in performance of that institution over time. Extending these standards to all institutions allows the analyst to track and compare performance across institutions over time. Los analistas usan ratios y otros indicadores para interpretar el desempeo de una IMF. Los Indicadores muestran informacin sencilla de una institucin (como su edad) o la relacin entre dos o ms informaciones (como los prestatarios y nmero de personal que atienden esos prestatarios) para revelar un aspecto de desempeo de dicha institucin. Con el uso de indicadores estndares dentro de una institucin, un analista puede monitorear con ms exactitud el crecimiento y los cambios en el desempeo de una institucin sobre tiempo. La extensin de estos estndares a todas las instituciones le permite al analista monitorear y comparar el desempeo entre instituciones a travs del tiempo. L'analyse utilise des ratios et d'autres indicateurs pour interprter les performances d'une IMF. Les indicateurs expriment soit des informations simples sur l'institution (tel que son ge) soit un rapport entre deux donnes (tel que le nombre d'emprunteurs et le nombre d'employs qui grent ces emprunteurs) afin de mieux comprendre un des aspects des performances de l'institution. En utilisant des indicateurs standards, l'analyste peut mieux suivre l'volution et les changements des performances de cette institution dans le temps. Si ces standards sont appliqus toutes les institutions, cela permet de suivre et comparer les performances de l'ensemble des institutions dans le temps.
Peer groups set the context for comparative analysis. The following pages explain the different categories used to group like institutions. By viewing an organization in comparison to these peers, an analyst can see the performance of one institution relative to a typical institution with similar characteristics. Los Grupos Pares ponen el contexto para el anlisis comparativo. Las pginas siguientes explican las diferentes categoras usadas para agrupar instituciones similares. Al mirar una organizacin en comparacin a sus pares, un analista puede ver el desempeo de una institucin relativo a una institucin tpica con caractersticas similares. Les groupes de pairs crent le contexte permettant l'analyse comparative. Les pages suivantes expliquent les diffrentes catgories utilises pour grouper les institutions similaires. En faisant des comparaisons entre une institution et ses pairs, l'analyste peut voir les performances d'une IMF face aux performances d'une IMF-type prsentant les mmes caractristiques.
No one indicator will summarize all aspects of an institutions performance. As such, indicators must be used together in performance analysis. The indicators in this report touch on different aspects of that performance. Unless otherwise noted, all indicators are assumed adjusted for the effect of the standard analytical adjustments described herein. Ningn nico indicador resumir todos los aspectos del desempeo de una institucin. De esta forma, los indicadores deben ser usados en conjunto para el anlisis de desempeo. Los indicadores en este informe tratan de aspectos diferentes de ese desempeo. Sin una nota, todos los indicadores se asumen que estn ajustados de acuerdo a los ajustes analticos descritos en este documento. Un indicateur seul ne peut rsumer tous les aspects des performances d'une institution. C'est pour cela que les indicateurs doivent tre analyss ensemble dans l'analyse des performances. Les indicateurs dans ce rapport voquent les diffrents aspects des performances. Tout indicateur est ajust pour prendre en compte les ajustements analytiques standards dcrits ci-aprs.
Interpreting Indicators Interpretando los Indicadores Interprter les indicateurs
Financial Management Estructura de Financiamiento Structure financire
MFIs finance their activities with a variety of funding sources. Measures of financial management describe these sources of capital, whether debt or equity, and compare them to the resources purchased with that funding. They also indicate how much an institution has leveraged its capital. IMFs financian sus actividades con una variedad de fuentes de financiamiento. Medidas de estructura financiera describen stas fuentes de capital tales pasivos como patrimonio, y los comparan a los recursos adquiridos con ese financiamiento. Tambin indican cuanto una institucin ha apalancado su capital. Les IMF financent leurs activits grce des fonds issus de diverses sources. Les mesures de structure financire dcrivent ces diverses sources de fonds, qu'elles proviennent de dettes ou de capitaux propres, et les comparent aux actifs de l'institution. Ces indicateurs dcrivent galement son effet de levier.
Scale and Outreach Escala y Alcance Echelle et Porte
As MFIs increase in scale and outreach, they reach more clients with more products. Indicators of scale measure the size of services to microfinance clients, whether loans or deposits. Outreach indicators report on the number and types of clients reached. Industry analysts are still working on the indicators that accurately reflect the poverty levels of clients reached by MFI financial services. Mientras IMFs crecen en escala y alcance, alcanzan a ms clientes con ms productos. Indicadores de escala miden el tamao de servicios a clientes de microfinanzas, tales prstamos como depsitos. Indicadores de alcance reportan en el nmero y tipo de clientes atendidos. Analistas de la industria todava estn trabajando en indicadores que reflejan los niveles de pobreza de clientes atendidos por servicios de microfinanzas. A mesure que les IMF tendent leur porte et grandissent, elles atteignent plus de clients avec plus de produits. Les indicateurs d'chelle mesurent la taille des services offerts aux clients, que ce soit en matire de crdit ou d'pargne. Les indicateurs de porte dcrivent le nombre et le type de clients atteints. Les analystes en microfinance continuent d'examiner les indicateurs qui refltent correctement le niveau de pauvret des clients d'institutions de microfinance.
Sustainability and Profitability Autosuficiencia y Rentabilidad Prennit et Rentabilit
Profitable and sustainable institutions earn positive returns on their operations. In microfinance, this means that an institution earns a positive net income without depending on donor support. To account for institutional scale, these returns are compared to the institutions assets and equity. Sustainability measures the extent to which these returns cover total expenses. Instituciones rentables y autosuficientes obtienen retornos positivos en sus operaciones. En microfinanzas, esto significa un ingreso neto positivo sin depender en el apoyo de donantes. Considerando la escala institucional, estos retornos estn comparados a los activos y patrimonio de una institucin. Autosuficiencia mide el grado en que retornos cubren gastos totales. Les institutions rentables et prennes obtiennent un rsultat net positif sur leurs oprations. En microfinance, cela signifie que l'institution gnre un rsultat positif net sans dpendre de subventions de bailleurs. Pour prendre en compte l'chelle de l'institution, ces rsultats sont compars l'actif et aux fonds propres de l'IMF. La prennit mesure si ces produits couvrent les charges totales ou non.
Revenues INGRESOS PRODUITS D'EXPLOITATION
MFIs earn most revenues from their loan portfolio. As MFIs diversify services, fees from transfers, payments and insurance services will provide new revenue streams. Revenue metrics look at financial revenue on the loan portfolio, as well as on the total asset base, to assess the impact of revenue structure on profitability and sustainability. IMFs ganan la mayora de sus ingresos de su cartera bruta de prstamos. Mientras IMFs diversifican sus servicios, cobros de transferencias, pagos y servicios de seguros proveern nuevas fuentes de ingresos. Medidas de ingresos miran los ingresos financieros de la cartera bruta y de la base total de activos para asesorar el impacto de la estructura de ingresos en la rentabilidad y la autosuficiencia. La plupart des produits financiers des IMF sont issu de leur portefeuille. A mesure que les IMF diversifient leurs services, les tarifs sur les produits de virement, de paiement et d'assurance creront de nouvelles sources de revenus. Les indicateurs de produits prsentent les revenus financiers par rapport l'encours de prts, ainsi que sur la base de l'actif total, pour permettre une analyse de l'impact des revenus sur la rentabilit et la prennit.
Expenses GASTOS CHARGES D'EXPLOITATION
An MFIs financial activities generate a variety of expense, from funding its asset base and general operating expenses, to provisioning for potential loss from default. Expense indicators measure the relative importance of different expense categories in order to determine their impact on profitability and sustainability. Las actividades financieras de una IMF generan una variedad de gastos, de financiamiento de su base de activos y gastos operacionales generales, de la provisin para prdidas potenciales de castigos. Indicadores de gastos miden la importancia relativa de las categoras de gastos diferentes para determinar su impacto en la rentabilidad y la autosuficiencia. Les activits financires d'une IMF gnrent diverses charges, y compris les charges d'exploitation, le cot des emprunts et le provisionnement pour pertes sur prts. Les indicateurs de charges mesurent l'importance relative des diffrentes catgories de charges afin de dterminer leur impact sur la rentabilit et la prennit.
Efficiency EFICIENCIA EFFICIENCE
Efficient institutions generate minimal costs in delivering services. It should strive to reduce such costs through scale or use of effective technologies. Efficiency indicators measure the level of expenses incurred to deliver financial services, such as loans. Instituciones eficientes generan costos mnimos en ofrecer sus servicios. Deben intentar reducir tales costos por escala o por el uso de tecnologas efectivas. Indicadores de eficiencia miden el nivel de gastos incurridos para proveer servicios financieros como prstamos. Les institutions efficientes minimisent leurs cots de prestation de services. Elles s'efforcent rduire ces cots travers les conomies d'chelle ou l'emploi de technologies efficaces. Les indicateurs d'efficience mesurent le niveau des charges gnres pour la prestation de services financiers tels que les prts.
Productivity Productividad PRODUCTIVIT
Productive institutions maximize services with minimal resources. Productivity indicators present measures of how effectively human resources are leveraged to serve MFI clients. Such indicators are dependent on an institution's technology and type and variety of services offered. Instituciones productivas maximizan sus servicios con el uso mnimo de recursos. Indicadores de productividad presentan medidas de cmo efectivamente los recursos humanos estn apalancados para atender a clientes de IMFs. Tales indicadores dependen en la tecnologa de una institucin y el tipo y variedad de servicios ofrecidos. Les institutions productives maximisent leurs services avec un minimum de ressources. Les indicateurs de productivit mesurent l'efficacit d'une IMF utiliser ses ressources humaines pour servir ses clients. Ces indicateurs dpendent des technologies employes par l'institution ainsi que le type et la gamme des services offerts.
Risk and Liquidity RIESGO Y LIQUIDEZ RISQUES ET LIQUIDIT
MFIs, like all financial institutions, face a number of risks in their business. First among these risks includes credit risk, the chance that a borrower will not repay a loan. As the portfolio is the MFIs most important asset, such risk directly impacts its revenues and generates additional costs due to loss. Portfolio quality will determine the institutions ability to increase its outreach and continue to serve existing clients. MFIs with substantive short term borrowing or deposits from the public also face liquidity risk if serious mismatch exists between short term assets and liabilities, creating the inability to meet current obligations with current resources. IMFs, como todas las instituciones financieras, enfrentan un nmero de riesgos en su negocio. El primero de estos riesgos incluye riesgo crediticio, la posibilidad que un prestatario no pagase un prstamo. Como la cartera bruta es el activo ms importante de una IMF, tales riesgos impactan directamente sus ingresos y generan costos adicionales debido a prdidas. La Calidad de la Cartera determinar la habilidad de una institucin en incrementar su alcance y continuar atendiendo a sus clientes existentes. IMFs con una alta cantidad de pasivos a corto plazo o depsitos del pblico tambin enfrentan riesgos de liquidez si un sesgo serio existe entre activos al corto plazo y pasivos, creando la inhabilidad a cubrir obligaciones corrientes con recursos corrientes. Les IMF, comme toutes institutions financires, font face de nombreux risques. Un premier risque est celui de dfaut ou la probabilit qu'un emprunteur ne rembourse pas son emprunt. Le portefeuille de prts tant l'actif le plus important d'une IMF, ce risque concerne directement les produits et gnre des charges supplmentaires dues aux pertes. La qualit du portefeuille dtermine la capacit d'une institution tendre sa porte et assurer la prestation de services sa clientle. Les IMF dpendant de financements court terme ou mobilisant des dpts du public sont galement confrontes aux risques de liquidit, lorsque les actifs et dettes court terme ne sont pas aligns, empchant ainsi l'institution de rpondre aux besoins de ses obligations courantes.
Age Edad Age
Charter Type: Estatuto Jurdico: Statut juridique:
Financial Intermediation Intermediacin: Intermdiation:
Methodology: Metodologa: Mthodologie:
Outreach Alcance: Porte:
Profit Status Fines A but lucratif
Region: Regin: Rgion:
Scale Escala: Taille:
Sustainability: Sostenibilidad: Viabilit:
Target Market: Mercado Meta: March cible:
For definitions of Peer Groups, refer to the Peer Group Classification section of this file Para ver las definiciones de los grupos pares, vase la seccin "Clasificacin de Grupos Pares" en este archivo Pour des dfinitions des groupes de pairs, voir la partie "Classification des groupes de pairs" de ce fichier
For details on indicator definitions, refer to the Indicator Definitions section of this file Para ms informacin sobre los indicadores, vase la seccin "Definiciones de los Indicadores" en este archivo Pour plus d'informations sur les indicateurs, voir la partie "Dfinition des indicateurs" de ce fichier
"n/a" denotes results for Peer Groups with less than three observations "n/a" representa grupos con menos de tres observaciones Rsultats moins de trois observations sont marqus "n/a"
Africa Small frica Pequeo Afrique Petite
ECA Small ECA Pequeo EAC Petite
LAC Medium FI LAC Medio ALC Moyenne
LAC Medium Non FI LAC Medio No IF ALC Moyenne Pas d'IF
Getting Started
Empezando
Pour commencer
This spreadsheet contains benchmark data on the performance of microfinance institutions around the globe. These benchmarks are the results for groups of institutions -- peer groups -- sharing common characteristics, such as region of operation or size. Click on any of the links below to explore the performance results of these peer groups in a given area: outreach, financial structure, profitability, productivity or risk. Esta hoja de clculo contiene los indicadores de referencia sobre el desempeo de las instituciones de microfinanzas alrededor del mundo. Estos indicadores han sido calculados para grupos de instituciones que comparten caractersticas comunes, como regin o tamao. Haga click en cualquiera de los enlaces de abajo para explorar los indicadores de estos grupos en diferentes reas: alcance, estructura financiera, rentabilidad, productividad o riesgo. Ce tableur contient les donnes de benchmark sur les performances d'institutions de microfinance dans le monde. Ces benchmarks sont les rsultats de groupes d'institutions -- groupes de pairs -- qui partagent certaines caractristiques telles que la rgion ou la taille des oprations. Cliquez sur les liens ci-dessous pour consulter les performances des groupes de pairs dans un domaine particulier: porte, structure financire, rentabilit, productivit et risques.
For an overview of this year's performance benchmarks, click on the "Benchmark Highlights" tab below. Para un resumen de los principales resultados de este ao, haga click sobre la pestaa "Benchmark Highlights". Pour un aperu des performances de cette anne, cliquez sur l'onglet "Benchmark Highlights"
2006 MFI Benchmark Highlights
2006 MFI Benchmark Highlights 2006 MFI Benchmark Highlights
Click here for index and instructions
Click here for index and instructions Click here for index and instructions
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El MIX ha preparado este Informe de Desempeo Personalizado basado en la informacin proporcionada por su institucin y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistir a comprender el desempeo de sus instituciones, normalizado con acuerdo a los trminos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparacin de desempeo y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un anlisis de comparacin significativa. Las reclasificaciones de cuentas, ajustes analticos y la normalizacin de razones que MIX emplea aumenta la comparacin entre los datos institucionales de la serie. Los Grupos de IMFs Pares utilizados para comparar instituciones proporcionan el contexto.Gerentes y miembros de la junta directiva considerarn este reporte y el benchmarking til para: > La ubicacin del d
Este informe le guiar a travs de un anlisis comparativo de su institucin. Cada seccin subsiguiente revela ms datos esenciales y procesos involucrados en el anlisis. Continu leyendo para aprender ms. El anlisis comparativo, por ejemplo, destaca el desempeo de su institucin, sintetizado a travs de un anlisis por escrito con grficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analtico de desempeo, y el resumen de ajustes que explican el impacto analtico por ajustes de provisin para incobrables, subvencin e inflacin que afectan la posicin de su IMF. Las notas de los indicadores, trminos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este anlisis. Por ltimo, para los usuarios ms avanzados, el MIX proporciona indicadores de desempeo comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite perso

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MIX Amrica LatinaJr. Len Velarde 333, Lima 14, Per | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sngal | Tel/Fax : +221 820 55 07
1901 Pennsylvania Avenue NW
Suite 307
Washington DC 20006
: +1 (202) 659 9094
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Africa Large FI
Africa Large FSS
Africa Large Non FI
Non FSS Africa Large Non FSS
Africa Medium FI
Africa Medium FSS
Africa Medium Non FI
Non FSS Africa Medium Non FSS
. Africa Small Broad
Africa Small FI
Africa Small FSS
Low Africa Small Low
Africa Small Non FI
Non FSS Africa Small Non FSS

Asia
Asia Large FI
Asia Large FI
Asia Large FI
Asia Large FI
Asia Medium FI
Asia Medium FSS
Asia Medium Non FI
Non FSS Asia Medium Non FSS
Asia Small
Asia Small FI
Asia Small FSS
Asia Small Non FI
Non FSS Asia Small Non FSS
.

ECA
. ECA High End
ECA Large
ECA Large FI
ECA Large FSS
ECA Large Non FI
Non FSS ECA Large Non FSS
. ECA Medium Broad
ECA Medium FSS
High ECA Medium High SME
Low ECA Medium Low Broad
Non FSS ECA Medium Non FSS
. ECA Small Broad
. ECA Small Broad High
ECA Small FSS
Low ECA Small Low
Non FSS ECA Small Non FSS
Con Fines de Lucro
.
.
.
./ .
LAC
LAC Large FI
LAC Large FSS
LAC Large Non FI
Non FSS LAC Large Non FSS
. LAC Medium Broad
LAC Medium FI
LAC Medium FSS
Low LAC Medium Low
LAC Medium Non FI
Non FSS LAC Small Non FSS
. LAC Small Broad
LAC Small FSS
Low LAC Small Low
Non FSS LAC Small Non FSS
()
()
.
.
()
()
MENA
MENA Large
MENA Medium
MENA Small

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Users Manual
Analyzing Performance
Analysts use ratios and other indicators in interpreting the performance of an MFI. Indicators show either simple information on an institution (such as its age) or a relationship between two or more pieces of information (such as borrowers and the number of staff who serve those borrowers) in order to shed light on an aspect of that institutions performance. By using standard indicators within an institution, an analyst can more accurately track the growth and changes in performance of that institution over time. Extending these standards to all institutions allows the analyst to track and compare performance across institutions over time. direct copy
Peer groups set the context for comparative analysis. The following pages explain the different categories used to group like institutions. By viewing an organization in comparison to these peers, an analyst can see the performance of one institution relative to a typical institution with similar characteristics. direct copy
No one indicator will summarize all aspects of an institutions performance. As such, indicators must be used together in performance analysis. The indicators in this report touch on different aspects of that performance. Unless otherwise noted, all indicators are assumed adjusted for the effect of the standard analytical adjustments described herein. direct copy
Interpreting Indicators
Financial Management
MFIs finance their activities with a variety of funding sources. Measures of financial management describe these sources of capital, whether debt or equity, and compare them to the resources purchased with that funding. They also indicate how much an institution has leveraged its capital. direct copy
Scale and Outreach
As MFIs increase in scale and outreach, they reach more clients with more products. Indicators of scale measure the size of services to microfinance clients, whether loans or deposits. Outreach indicators report on the number and types of clients reached. Industry analysts are still working on the indicators that accurately reflect the poverty levels of clients reached by MFI financial services. direct copy
Sustainability and Profitability
Profitable and sustainable institutions earn positive returns on their operations. In microfinance, this means that an institution earns a positive net income without depending on donor support. To account for institutional scale, these returns are compared to the institutions assets and equity. Sustainability measures the extent to which these returns cover total expenses. direct copy
MFIs earn most revenues from their loan portfolio. As MFIs diversify services, fees from transfers, payments and insurance services will provide new revenue streams. Revenue metrics look at financial revenue on the loan portfolio, as well as on the total asset base, to assess the impact of revenue structure on profitability and sustainability. direct copy
An MFIs financial activities generate a variety of expense, from funding its asset base and general operating expenses, to provisioning for potential loss from default. Expense indicators measure the relative importance of different expense categories in order to determine their impact on profitability and sustainability. direct copy
Efficient institutions generate minimal costs in delivering services. It should strive to reduce such costs through scale or use of effective technologies. Efficiency indicators measure the level of expenses incurred to deliver financial services, such as loans. direct copy
Productive institutions maximize services with minimal resources. Productivity indicators present measures of how effectively human resources are leveraged to serve MFI clients. Such indicators are dependent on an institution's technology and type and variety of services offered. direct copy

MFIs, like all financial institutions, face a number of risks in their business. First among these risks includes credit risk, the chance that a borrower will not repay a loan. As the portfolio is the MFIs most important asset, such risk directly impacts its revenues and generates additional costs due to loss. Portfolio quality will determine the institutions ability to increase its outreach and continue to serve existing clients. MFIs with substantive short term borrowing or deposits from the public also face liquidity risk if serious mismatch exists between short term assets and liabilities, creating the inability to meet current obligations with current resources. direct copy
- :
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:

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Africa Small
ECA Small
LAC Medium FI
LAC Medium Non FI
. , , . : , , , . direct copy
For an overview of this year's performance benchmarks, click on the "Benchmark Highlights" tab below.
2006 MFI Benchmark Highlights
Click here for index and instructions
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Category Subcategory Original Arabic Bahasa Indonesia
Adjustments Adjustments Adjusted Gross Loan Portfolio #N/A #N/A
Adjusted Impairment Loss Allowance #N/A #N/A
Adjusted Net Loan Portfolio #N/A #N/A
Adjusted number of loans outstanding #N/A #N/A
Adjusted Provision for Loan Impairment #N/A #N/A
Adjustment #N/A #N/A
Adjustment Summary Page #N/A #N/A
Adjustments Penyesuaian
Applied: #N/A #N/A
Borrowings, beginning of period #N/A #N/A
Borrowings, end of period #N/A #N/A
Borrowings, period average #N/A #N/A
Category of donation #N/A #N/A
Cost of Funds Adjustment #N/A #N/A
Cost of funds at market rate #N/A #N/A
Difference, Adj. and Unadj. Net Loan Portfolio #N/A #N/A
Equity, beginning of period #N/A #N/A
IN KIND SUBSIDY ADJUSTMENT #N/A #N/A
INFLATION ADJUSTMENT #N/A
Inflation Adjustment to Equity #N/A Pengeluaran Penyesuaian Tingkat Inflasi
Inflation Adjustment to Fixed Assets #N/A Hasil Penyesuaian Tingkat Inflasi
Interest and fee expense on borrowings #N/A
Loan Loss Provision * Provisi Kerugian Pinjaman*
LOAN LOSS PROVISION ADJUSTMENT #N/A #N/A
Local market rate #N/A #N/A
Minimal Adjusted Loan Loss Reserve #N/A #N/A
Net Fixed Assets, beginning of period #N/A #N/A
No. of loans > 365 days #N/A #N/A
Office supplies #N/A
Other #N/A
PAR > 365 days #N/A #N/A
Portfolio at Risk 180-365 days #N/A #N/A
Portfolio at Risk 91-180 days #N/A #N/A
Provision factor, PAR 180-365 days #N/A #N/A
Provision factor, PAR 91-180 days #N/A #N/A
Provision factor, renegotiated loans #N/A #N/A
Renegotiated portfolio #N/A #N/A
Rent and utilities #N/A
Reserve amount, PAR 180-365 days #N/A #N/A
Reserve amount, PAR 91-180 days #N/A #N/A
Reserve amount, renegotiated loans #N/A #N/A
Stated value #N/A #N/A
TOTAL TOTAL
Transportation Transportasi
Unadjusted Gross Loan Portfolio #N/A #N/A
Unadjusted Impairment Loss Allowance #N/A #N/A
Unadjusted Net Loan Portfolio #N/A #N/A
Unadjusted Provision for Loan Impairment #N/A #N/A
WRITE-OFF ADJUSTMENT #N/A #N/A
Adjustments - DefinitionsEffect: Increases total Operating Expense, reduces Net Operating Income, Net Income. #N/A #N/A
Effect: Decreases Net Loan Portfolio and increases Loan Loss Provision Expense if Loan Loss Reserve is insufficient to cover provisioning and write-off adjustments. #N/A #N/A
Effect: Decreases Net Operating Income, Net Income. #N/A #N/A
Effect: Enters as a separate equity account, offsets Net Income. #N/A #N/A
Effect: Increases Financial Expense, decreases Net Operating Income, Net Income. #N/A #N/A
Effect: Increases Financial Expense, decreasing Net Operating Income, Net Income (Note: If Fixed Assets exceed Equity, Financial Expense will decrease, increasing Net Operating Income, Net Income). #N/A #N/A
Effect: Increases Fixed Assets, Total Assets. #N/A #N/A
IMF, International Financial Statistics, line 60L. #N/A #N/A
IMF, International Financial Statistics, line 64x. #N/A #N/A
Note that this MFI uses inflation-based accounting #N/A #N/A
Country Data Countries Afghanistan #N/A #N/A
Albania #N/A #N/A
Algeria #N/A #N/A
American Samoa #N/A #N/A
Andorra #N/A #N/A
Angola #N/A #N/A
Anguilla #N/A #N/A
Antarctica #N/A #N/A
Antigua And Barbuda #N/A #N/A
Argentina #N/A #N/A
Armenia #N/A #N/A
Aruba #N/A #N/A
Australia #N/A #N/A
Austria #N/A #N/A
Azerbaijan #N/A #N/A
Bahamas, The #N/A #N/A
Bahrain #N/A #N/A
Bangladesh #N/A #N/A
Barbados #N/A #N/A
Belarus #N/A #N/A
Belgium #N/A #N/A
Belize #N/A #N/A
Benin #N/A #N/A
Bermuda #N/A #N/A
Bhutan #N/A #N/A
Bolivia #N/A #N/A
Bosnia and Herzegovina #N/A #N/A
Botswana #N/A #N/A
Bouvet Island #N/A #N/A
Brazil #N/A #N/A
British Indian Ocean Territory #N/A #N/A
Brunei #N/A #N/A
Bulgaria #N/A #N/A
Burkina Faso #N/A #N/A
Burundi #N/A #N/A
Cambodia #N/A #N/A
Cameroon #N/A #N/A
Canada #N/A #N/A
Cape Verde #N/A #N/A
Cayman Islands #N/A #N/A
Central African Republic #N/A #N/A
Chad #N/A #N/A
Chile #N/A #N/A
China #N/A #N/A
Christmas Island #N/A #N/A
Cocos (Keeling) Islands #N/A #N/A
Colombia #N/A #N/A
Comoros #N/A #N/A
Congo #N/A #N/A
Congo, Democractic Republic of the #N/A #N/A
Cook Islands #N/A #N/A
Costa Rica #N/A #N/A
Cote D'Ivoire (Ivory Coast) #N/A #N/A
Croatia (Hrvatska) #N/A #N/A
Cuba #N/A #N/A
Cyprus #N/A #N/A
Czech Republic #N/A #N/A
Denmark #N/A #N/A
Djibouti #N/A #N/A
Dominica #N/A #N/A
Dominican Republic #N/A #N/A
East Timor #N/A #N/A
Ecuador #N/A #N/A
Egypt #N/A #N/A
El Salvador #N/A #N/A
Equatorial Guinea #N/A #N/A
Eritrea #N/A #N/A
Estonia #N/A #N/A
Ethiopia #N/A #N/A
Falkland Islands (Islas Malvinas) #N/A #N/A
Faroe Islands #N/A #N/A
Fiji Islands #N/A #N/A
Finland #N/A #N/A
France #N/A #N/A
French Guiana #N/A #N/A
French Polynesia #N/A #N/A
French Southern Territories #N/A #N/A
Gabon #N/A #N/A
Gambia, The #N/A #N/A
Georgia #N/A #N/A
Germany #N/A #N/A
Ghana #N/A #N/A
Gibraltar #N/A #N/A
Greece #N/A #N/A
Greenland #N/A #N/A
Grenada #N/A #N/A
Guadeloupe #N/A #N/A
Guam #N/A #N/A
Guatemala #N/A #N/A
Guinea #N/A #N/A
Guinea-Bissau #N/A #N/A
Guyana #N/A #N/A
Haiti #N/A #N/A
Heard and McDonald Islands #N/A #N/A
Honduras #N/A #N/A
Hong Kong S.A.R. #N/A #N/A
Hungary #N/A #N/A
Iceland #N/A #N/A
India #N/A #N/A
Indonesia #N/A #N/A
Iran #N/A #N/A
Iraq #N/A #N/A
Ireland #N/A #N/A
Israel #N/A #N/A
Italy #N/A #N/A
Jamaica #N/A #N/A
Japan #N/A #N/A
Jordan #N/A #N/A
Kazakhstan #N/A #N/A
Kenya #N/A #N/A
Kiribati #N/A #N/A
Korea #N/A #N/A
Korea, North #N/A #N/A
Kosovo #N/A #N/A
Kuwait #N/A #N/A
Kyrgyzstan #N/A #N/A
Laos #N/A #N/A
Latvia #N/A #N/A
Lebanon #N/A #N/A
Lesotho #N/A #N/A
Liberia #N/A #N/A
Libya #N/A #N/A
Liechtenstein #N/A #N/A
Lithuania #N/A #N/A
Luxembourg #N/A #N/A
Macau S.A.R. #N/A #N/A
Macedonia, Former Yugoslav Republic of #N/A #N/A
Madagascar #N/A #N/A
Malawi #N/A #N/A
Malaysia #N/A #N/A
Maldives #N/A #N/A
Mali #N/A #N/A
Malta #N/A #N/A
Marshall Islands #N/A #N/A
Martinique #N/A #N/A
Mauritania #N/A #N/A
Mauritius #N/A #N/A
Mayotte #N/A #N/A
Mexico #N/A #N/A
Micronesia #N/A #N/A
Moldova #N/A #N/A
Monaco #N/A #N/A
Mongolia #N/A #N/A
Montenegro #N/A #N/A
Montserrat #N/A #N/A
Morocco #N/A #N/A
Mozambique #N/A #N/A
Myanmar #N/A #N/A
Namibia #N/A #N/A
Nauru #N/A #N/A
Nepal #N/A #N/A
Netherlands Antilles #N/A #N/A
Netherlands, The #N/A #N/A
New Caledonia #N/A #N/A
New Zealand #N/A #N/A
Nicaragua #N/A #N/A
Niger #N/A #N/A
Nigeria #N/A #N/A
Niue #N/A #N/A
Norfolk Island #N/A #N/A
Northern Mariana Islands #N/A #N/A
Norway #N/A #N/A
Oman #N/A #N/A
Pakistan #N/A #N/A
Palau #N/A #N/A
Palestine #N/A #N/A
Panama #N/A #N/A
Papua new Guinea #N/A #N/A
Paraguay #N/A #N/A
Peru #N/A #N/A
Philippines #N/A #N/A
Pitcairn Island #N/A #N/A
Poland #N/A #N/A
Portugal #N/A #N/A
Puerto Rico #N/A #N/A
Qatar #N/A #N/A
Reunion #N/A #N/A
Romania #N/A #N/A
Russia #N/A #N/A
Rwanda #N/A #N/A
Saint Helena #N/A #N/A
Saint Kitts And Nevis #N/A #N/A
Saint Lucia #N/A #N/A
Saint Pierre and Miquelon #N/A #N/A
Saint Vincent And The Grenadines #N/A #N/A
Samoa #N/A #N/A
San Marino #N/A #N/A
Sao Tome and Principe #N/A #N/A
Saudi Arabia #N/A #N/A
Senegal #N/A #N/A
Serbia and Montenegro #N/A #N/A
Seychelles #N/A #N/A
Sierra Leone #N/A #N/A
Singapore #N/A #N/A
Slovakia #N/A #N/A
Slovenia #N/A #N/A
Solomon Islands #N/A #N/A
Somalia #N/A #N/A
South Africa #N/A #N/A
South Georgia And The South Sandwich Islands #N/A #N/A
Spain #N/A #N/A
Sri Lanka #N/A #N/A
Sudan #N/A #N/A
Suriname #N/A #N/A
Svalbard And Jan Mayen Islands #N/A #N/A
Swaziland #N/A #N/A
Sweden #N/A #N/A
Switzerland #N/A #N/A
Syria #N/A #N/A
Taiwan #N/A #N/A
Tajikistan #N/A #N/A
Tanzania #N/A #N/A
Thailand #N/A #N/A
Togo #N/A #N/A
Tokelau #N/A #N/A
Tonga #N/A #N/A
Trinidad And Tobago #N/A #N/A
Tunisia #N/A #N/A
Turkey #N/A #N/A
Turkmenistan #N/A #N/A
Turks And Caicos Islands #N/A #N/A
Tuvalu #N/A #N/A
Uganda #N/A #N/A
Ukraine #N/A #N/A
United Arab Emirates #N/A #N/A
United Kingdom #N/A #N/A
United States #N/A #N/A
United States Minor Outlying Islands #N/A #N/A
Uruguay #N/A #N/A
Uzbekistan #N/A #N/A
Vanuatu #N/A #N/A
Vatican City State (Holy See) #N/A #N/A
Venezuela #N/A #N/A
Vietnam #N/A #N/A
Virgin Islands (British) #N/A #N/A
Virgin Islands (US) #N/A #N/A
Wallis And Futuna Islands #N/A #N/A
Yemen #N/A #N/A
Yugoslavia #N/A #N/A
Zambia #N/A #N/A
Zimbabwe #N/A #N/A
Currencies Afghanistan Afghani #N/A #N/A
Albanian Lek #N/A #N/A
Algerian Dinar #N/A #N/A
Andorran Franc #N/A #N/A
Andorran Peseta #N/A #N/A
Angolan New Kwanza #N/A #N/A
Argentine Peso #N/A #N/A
Armenian Dram #N/A #N/A
Aruban Florin #N/A #N/A
Australian Dollar #N/A #N/A
Austrian Schilling #N/A #N/A
Azerbaijan Manat #N/A #N/A
Bahamanian Dollar #N/A #N/A
Bahraini Dinar #N/A #N/A
Bangladeshi Taka #N/A #N/A
Barbados Dollar #N/A #N/A
Belarus Rubl #N/A #N/A
Belarussian Ruble #N/A #N/A
Belgian Franc #N/A #N/A
Belize Dollar #N/A #N/A
Bermudian Dollar #N/A #N/A
Bhutan Ngultrum #N/A #N/A
Bolivian Boliviano #N/A #N/A
Bosnia and Herzegovina Marka #N/A #N/A
Botswana Pula #N/A #N/A
Brazilian Real #N/A #N/A
British Pound #N/A #N/A
Brunei Dollar #N/A #N/A
Bulgarian Lev #N/A #N/A
Burundi Franc #N/A #N/A
Cambodian Riel #N/A #N/A
Canadian Dollar #N/A #N/A
Cape Verde Escudo #N/A #N/A
Cayman Islands Dollar #N/A #N/A
CFA Franc BCEAO #N/A #N/A
CFA Franc BEAC #N/A #N/A
Chilean Peso #N/A #N/A
Chinese Yuan Renminbi #N/A #N/A
Colombian Peso #N/A #N/A
Comoros Franc #N/A #N/A
Costa Rican Colon #N/A #N/A
Croatian Kuna #N/A #N/A
Cuban Peso #N/A #N/A
Cyprus Pound #N/A #N/A
Czech Koruna #N/A #N/A
Danish Krone #N/A #N/A
Djibouti Franc #N/A #N/A
Dominican R. Peso #N/A #N/A
Dutch Guilder #N/A #N/A
East Carribean Dollar #N/A #N/A
Ecuador Sucre #N/A #N/A
Egyptian Pound #N/A #N/A
El Salvador Colon #N/A #N/A
Estonian Kroon #N/A #N/A
Ethiopian Birr #N/A #N/A
Falkland Islands Pound #N/A #N/A
Fiji Dollar #N/A #N/A
Finnish Markka #N/A #N/A
French Franc #N/A #N/A
Gambian Dalasi #N/A #N/A
Georgian Lari #N/A #N/A
German Mark #N/A #N/A
Ghanaian Cedi #N/A #N/A
Gibraltar Pound #N/A #N/A
Greek Drachma #N/A #N/A
Guatemalan Quetzal #N/A #N/A
Guinea Franc #N/A #N/A
Guyanese Dollar #N/A #N/A
Haitian Gourde #N/A #N/A
Honduran Lempira #N/A #N/A
Hong Kong Dollar #N/A #N/A
Hungarian Forint #N/A #N/A
Iceland Krona #N/A #N/A
Indian Rupee #N/A #N/A
Indonesian Rupiah #N/A #N/A
Iranian Rial #N/A #N/A
Iraqi Dinar #N/A #N/A
Irish Punt #N/A #N/A
Israeli New Shekel #N/A #N/A
Italian Lira #N/A #N/A
Jamaican Dollar #N/A #N/A
Japanese Yen #N/A #N/A
Jordanian Dinar #N/A #N/A
Kazakhstan Tenge #N/A #N/A
Kenyan Shilling #N/A #N/A
Kuwaiti Dinar #N/A #N/A
Kyrgyzstan Som #N/A #N/A
Lao Kip #N/A #N/A
Latvian Lats #N/A #N/A
Lebanese Pound #N/A #N/A
Lesotho Loti #N/A #N/A
Liberian Dollar #N/A #N/A
Libyan Dinar #N/A #N/A
Lithuanian Litas #N/A #N/A
Luxembourg Franc #N/A #N/A
Macau Pataca #N/A #N/A
Malagasy Franc #N/A #N/A
Malawi Kwacha #N/A #N/A
Malaysian Ringgit #N/A #N/A
Maldive Rufiyaa #N/A #N/A
Maltese Lira #N/A #N/A
Mauritanian Ouguiya #N/A #N/A
Mauritius Rupee #N/A #N/A
Mexican Peso #N/A #N/A
Moldavian Lei #N/A #N/A
Mongolian Tugrik #N/A #N/A
Moroccan Dirham #N/A #N/A
Mozambique Metical #N/A #N/A
Myanmar Kyat #N/A #N/A
Namibia Dollar #N/A #N/A
Nepalese Rupee #N/A #N/A
New Zealand Dollar #N/A #N/A
Nicaraguan Cordoba Oro #N/A #N/A
Nigerian Naira #N/A #N/A
NL Antillian Guilder #N/A #N/A
North Korean Won #N/A #N/A
Norwegian Kroner #N/A #N/A
Omani Rial #N/A #N/A
Pakistan Rupee #N/A #N/A
Panamanian Balboa #N/A #N/A
Papua New Guinea Kina #N/A #N/A
Paraguay Guarani #N/A #N/A
Peruvian Nuevo Sol #N/A #N/A
Peso Uruguayo #N/A #N/A
Philippine Peso #N/A #N/A
Polish Zloty #N/A #N/A
Portuguese Escudo #N/A #N/A
Qatari Rial #N/A #N/A
Romanian Leu #N/A #N/A
Russian Rouble #N/A #N/A
Rwanda Franc #N/A #N/A
Samoan Tala #N/A #N/A
Sao Tome/Principe Dobra #N/A #N/A
Saudi Riyal #N/A #N/A
Seychelles Rupee #N/A #N/A
Sierra Leone Leone #N/A #N/A
Singapore Dollar #N/A #N/A
Slovak Koruna #N/A #N/A
Slovenian Tolar #N/A #N/A
Solomon Islands Dollar #N/A #N/A
Somali Shilling #N/A #N/A
South African Rand #N/A #N/A
South-Korean Won #N/A #N/A
Spanish Peseta #N/A #N/A
Sri Lanka Rupee #N/A #N/A
St. Helena Pound #N/A #N/A
Sudanese Dinar #N/A #N/A
Sudanese Pound #N/A #N/A
Suriname Guilder #N/A #N/A
Swaziland Lilangeni #N/A #N/A
Swedish Krona #N/A #N/A
Swiss Franc #N/A #N/A
Syrian Pound #N/A #N/A
Taiwan Dollar #N/A #N/A
Tajikistan Somon #N/A #N/A
Tanzanian Shilling #N/A #N/A
Thai Baht #N/A #N/A
Tonga Pa'anga #N/A #N/A
Trinidad/Tobago Dollar #N/A #N/A
Tunisian Dinar #N/A #N/A
Turkish Lira #N/A #N/A
Tutkmenistan Manat #N/A #N/A
Uganda Shilling #N/A #N/A
Ukraine Hryvnia #N/A #N/A
Uruguayan Peso #N/A #N/A
US Dollar #N/A Dolar US
Utd. Arab Emir. Dirham #N/A #N/A
Uzbekistan Sum #N/A #N/A
Vanuatu Vatu #N/A #N/A
Venezuelan Bolivar #N/A #N/A
Vietnamese Dong #N/A #N/A
Yemeni Riyal #N/A #N/A
Yugoslav Dinar #N/A #N/A
Yugoslavia, New Dinars #N/A #N/A
Zambian Kwacha #N/A #N/A
Zimbabwe Dollar #N/A #N/A
Macro Factors Deposit Rate #N/A Tingkat Bunga Deposito
Financial Depth #N/A Kedalaman Keuangan
GDP Growth Rate #N/A Tingkat Pertumbuhan GDP
GNI per Capita #N/A GNI per Kapita
Inflation Rate #N/A Tingkat Inflasi
MACROECONOMIC INDICATORS #N/A INDIKATOR-INDIKATOR MAKRO EKONOMI
Macro Factors - Definitions Annual change in average consumer prices (IMF/International Financial Statistics) #N/A #N/A
Annual growth in the total output of goods and services occurring within the territory of a given country (World Development Indicators) #N/A #N/A
Average #N/A #N/A
Interest rate offered to resident customers for demand, time, or savings deposits (IMF/International Financial Statistics) #N/A #N/A
M3 / GDP #N/A Money aggregate including currency, deposits and electronic currency (M3) / GDP
Money aggregate including currency, deposits and electronic currency (M3) / GDP, measuring the monetization of the economy (IMF/International Financial Statistics) #N/A #N/A
Total income generated by a country's residents, irrespective of location / Total number of residents (World Development Indicators) #N/A #N/A
Data Collection Accounting Methods ACCOUNTING METHODS #N/A
Can your institution break out outstanding liabilities between short term and long term? #N/A
Can your institution break out total assets between short term assets and long term assets? / #N/A
Describe any reserve accounts listed under equity on the Balance Sheet #N/A
Does your institution adjust accounts for the effects of translation/conversion of foreign currencies (including disposition of exchange gains/loss) in its audited financial statements and/or in the financial information which you have presented to us, an #N/A #N/A
Does your institution adjust for the effects of inflation in its audited financial statements and/or in the financial information which you have presented to us, and if so, how? / #N/A
Does your institution use cash or accrual accounting? Which accounts are treated on each basis? #N/A
Accounting Methods - definitions Separation of all asset accounts between amounts maturing within and beyond 12 months #N/A #N/A
Separation of all liability accounts between amounts payable within and beyond 12 months #N/A #N/A
Final Check Check or not? #N/A
Final check #N/A
Notes #N/A
Please check - the number of loans does not equal that listed in the 'Products and Clients' section -- " " " " #N/A
Please check - this does not equal the borrowings listed on your Balance Sheet - #N/A
Please check - this does not equal the LLPE on the Income Statement -- #N/A
Please check - this does not equal the LLR on the Balance Sheet -- #N/A
Please check - this information is not consistent with the difference in personnel between this year and last -- #N/A
Please check - this information is not consistent with the personnel information entered in the Income Statement - - #N/A
Please check - this is different from GLP on Balance Sheet -- ) ( ) GLP ( #N/A
Please check - this is not entirely consistent with above information -- #N/A
Please check - Total Assets do not equal Total Liabilities and Equity - / #N/A
Please check - voluntary savings appear on the Balance Sheet but you have not listed voluntary savings clients - ) ( ) ( " " #N/A
Please check - you have listed voluntary savings clients but no voluntary savings appears on the Balance Sheet - #N/A
Please check - your total clients exceed the sum of savers, borrowers and other product clients -- #N/A
Potential Inconsistency #N/A
The following is a list of potential inconsistencies your data has generated. This does not necessarily mean that the data is incorrect, only that it differs for some reason from what is submitted by the majority of users. Please do not erase or change an #N/A #N/A
Final Check - definitionsThe average staff salary is not consistent with the number of personnel listed in Infrastructure and the personnel expense listed on the Income Statement #N/A
The difference between current and previous years' personnel is not consistent with personnel who have been hired and who have left #N/A
The GLP listed on the Portfolio Report is different from GLP on the Balance Sheet ) GLP ( ) GLP ( #N/A
The LLPE listed on the Portfolio Report is different from the LLPE on the Income Statement ) LLPE ( ) LLPE ( #N/A
The LLR listed on the Portfolio Report is different from LLR on the Balance Sheet ) LLR ( ) LLR ( #N/A
The number of outstanding loans listed in 'Portfolio Report' is different from the number of outstanding loans listed in 'Products and Clients' " " " " #N/A
The number of total clients exceeds the sum of savers, borrowers and other product clients #N/A
The total borrowings listed on Liabilities Analysis is different from the total borrowings listed on the Balance Sheet #N/A
The write-offs listed on the Portfolio Report do not equal [last year's loan loss reserve + current year's loan loss provision expense - current year's loan loss reserve] ) / ( ) + - ( #N/A
Total Assets do not equal Total Liabilities and Equity on Balance Sheet / #N/A
Voluntary savings appear on the Balance Sheet but no voluntary savings clients have been listed in 'Products and Clients' ) ( ) ( " " #N/A
Voluntary savings clients have been listed but no voluntary savings appears on the Balance Sheet #N/A
Financial Disclosure *** Please attach any supporting documentation you like: Annual Reports, Brochures, Impact Studies, Audited Financial Statements (including auditors opinion and notes), Ratings, Evaluations, etc. *** #N/A #N/A
Are you rated? #N/A #N/A
Have your financial statements been audited? #N/A #N/A
If yes, by? #N/A #N/A
Other, please specify #N/A #N/A
General Information Currency #N/A
End (dd/mm/yyyy) ) / / ( #N/A
Exchange rate ) ( Nilai Tukar
Financial Year Ending: #N/A #N/A
Fiscal Year to be analyzed #N/A
General Information #N/A
Name of MFI #N/A
No #N/A
Start (dd/mm/yyyy) ) / / ( #N/A
Unit of currency #N/A
Yes Ya
Infrastructure All staff should be listed in full-time equivalence (i.e. hours of part-time staff should be aggregated and you should calculate the equivalent of full-time staff that would be required for those hours) ) ( #N/A
Average annual salary and benefits per staff member - all staff (expressed in currency described in General Information) - ) ( #N/A
Branch office #N/A
Do these figures represent all the people who contribute to your operations, including volunteers, part time, and full time staff? #N/A
Head Office Kantor Pusat
How many offices? #N/A
How many staff does the MFI have at each level of infrastructure? #N/A
Infrastructure #N/A
Large cities #N/A
Number of front-office staff (staff who have direct contact with clients), year-end ) ( #N/A
Number of staff hired during the year #N/A
Number of staff who have left during year #N/A
Number of staff, year-end #N/A
Percentage of (annual budget for staff training/operating expenses) ) / ( #N/A
Percentage of total clients in each location #N/A
Please provide information on staffing and personnel #N/A
Regional office level #N/A
Rural #N/A
Small cities/Towns / #N/A
Structure #N/A
Sub-branch (unit level) #N/A
In-kind Subsidies Category #N/A
Check this box if the institution receives no in-kind subsidies / #N/A
Does your institution use any property or equipment that belongs to another party and is not accounted for on your financial statements (i.e. office space, computer equipment, vehicles, etc.)? )
. ( #N/A
How it was used
#N/A
If 'yes', please explain to us what function they performed and how they contributed to your operations #N/A
If yes, please explain what category this property/equipment would fall under, its value to the institution, and how it was used / #N/A
In-kind subsidies Subsidi berbentuk barang
Operational subsidy analysis / #N/A
Other #N/A
Please read through the following questions to determine if your institution received any operational (in-kind) subsidy this fiscal year
) ( #N/A
Value of subsidy/donation to the institution #N/A
Were any managerial or operational personnel paid by donor funds that are not included in your Income Statement? ) ( #N/A
What was the amount of their salaries during the fiscal year ended #N/A
Institutional Contact Information Address #N/A
City, State/Province, Postal Code / #N/A
Contact Person #N/A #N/A
Country #N/A
Direct Phone (Direct phone numbers only) #N/A #N/A
Email #N/A
Fax #N/A
First name #N/A #N/A
INSTITUTIONAL CONTACT INFORMATION #N/A
MFI Name #N/A #N/A
MFI's main address #N/A #N/A
Name and title of contact person to whom all inquiries should be addressed: #N/A #N/A
Name and title of head of MFI (CEO, ED, etc.) ) ( #N/A
Name and title of person filling out questionnaire #N/A
Person with whom to verify your posting/editing rights #N/A #N/A
Personal E-mail (Personal e-mail addresses only) #N/A #N/A
Phone #N/A
Please provide us with the contact details of the individual in your organization (CEO, Executive Director, etc.) who can confirm your right to post information on behalf of the organization. If you are the head of this institution, please check the box b #N/A #N/A
Position #N/A #N/A
Reference #N/A #N/A
State #N/A #N/A
Street Address #N/A #N/A
Title (Mr., Mrs. or Ms.) #N/A #N/A
We may contact this person to verify information about your organization. She/he may be your donor contacts or other microfinance professionals who know your institution well. #N/A #N/A
Web site #N/A
Zip code #N/A #N/A
Institutional PresentationAffiliations #N/A #N/A
Bank #N/A
Credit Union/Cooperative #N/A
Current legal status #N/A #N/A
Describe the main challenges of the institution #N/A
Describe the mission of the institution #N/A
Does this MFI provide services other than microfinance? #N/A #N/A
Established in (year) #N/A #N/A
Financial Year End #N/A #N/A
Funding Sources #N/A #N/A
If 'other', please specify #N/A
If Yes, approximately what percentage of operations does microfinance comprise? #N/A #N/A
If yes, by whom is it regulated? ) ( #N/A
If Yes, what other services does the it provide? #N/A #N/A
Institutional charter #N/A
INSTITUTIONAL PRESENTATION #N/A
Investment Opportunities #N/A #N/A
Is the institution regulated? ) ( #N/A
Largest Funding Sources (please specify name) #N/A #N/A
Local currency #N/A #N/A
Looking for #N/A #N/A
Microfinance is the provision of loans whose average outstanding balance does not exceed 250% GNP per capita and/or the provision of savings services whose average balance does not exceed 250% GNP per capita. #N/A #N/A
Mission, Challenges & Funding Sources #N/A #N/A
Mix Market's Networks #N/A #N/A
Mix Market's Raters #N/A #N/A
Network Affiliation #N/A #N/A
No #N/A
Non Governmental Organization (NGO) #N/A
Non-Bank Financial Intermediary #N/A
Non-profit #N/A
Organization #N/A #N/A
Other #N/A
Ownership composition #N/A
Please describe the type, frequency and extent of supervision received by the institution, if any ) ( #N/A
-Please select- #N/A
Profit #N/A
Profit Status #N/A
Rater Affiliation #N/A #N/A
Regulated #N/A #N/A
Select Alliances #N/A
-Select one- #N/A
Strategic alliances (please select all that apply,and specify any other affiliations) )
( #N/A
Year microfinance operations began (yyyy) ) 0000 ( #N/A
Year of transformation to current institutional charter (if applicable) ) ( #N/A
Yes Ya
Your MFI's background & main challenges #N/A #N/A
Your MFI's Mission #N/A #N/A
Your MFI's Products #N/A #N/A
Liabilities Analysis Amount of this liability on Balance Sheet ) ( #N/A
cannot be classified #N/A
Description of institutional borrowings #N/A
How many individual borrowings (either commercial or concessional) appear on the current year's Balance Sheet? )
( #N/A
Liabilities Analysis #N/A
Nominal interest rate paid on this borrowing #N/A
private #N/A
public #N/A
Source, including name and description (if possible) ) ( #N/A
Total borrowings, as of #N/A
Total borrowings, current year (Line 2c of Balance Sheet) ) 2 ( #N/A
Would you classify this as a liability from a public or private source? #N/A
Other (sum of 10b) 10b #N/A
(sum of 2) 2 #N/A
(sum of 2c) 2c #N/A
(sum of 3) 3 #N/A
(sum of 3b) 3b #N/A
(sum of 3c) 3c #N/A
(sum of 3d) 3d #N/A
(sum of 6) 6 #N/A
(sum of 8) 8 #N/A
[Please write here] #N/A
Additional text #N/A
Back to index #N/A
Check #N/A
Funds Transfer / #N/A
In order to provide us with a complete picture of your institution, please fill out each page of this questionnaire with the most details possible. The list below is an index that links to the different parts of the questionnaire, which has been divided i #N/A #N/A
Insurance #N/A
No problem #N/A
Other #N/A
Please note that the number of 'loans' equals all individuals receiving a loan, and includes all members of a group. One borrower, however, may have multiple loans outstanding. Please see the accompanying glossary for definitions of 'loan' and 'borrower #N/A #N/A
Please select your language: : #N/A
Thank you for pariticipating in an international movement towards standardization, transparency and relevant benchmarks for the microfinance sector. . #N/A
Portfolio Report 181-365 Days 181-365 #N/A
30-90 Days 30-90 #N/A
366+ Days 366 #N/A
91-180 Days 91-180 #N/A
Aging/Status of portfolio / #N/A
All renegotiated loans #N/A
Amount - listed in - #N/A
Current portfolio, on-time (< 30 Days, non-renegotiated loans) ) > 30 ( #N/A
Does the MFI track renegotiated loans separate from non-renegotiated loans? #N/A
Gross Loan Portfolio Portofolio Kredit Kotor
Loan Loss Provision Expense for FY ended #N/A
Loan Loss Reserve for FY ended #N/A
Loans written off in FY ended ) ( #N/A
Number of loans Jumlah Pinjaman
Percent Persen.
Please describe precisely your institution's policy regarding provisioning and write-offs
) / ( #N/A
Please explain how your institution calculates delinquency (portfolio balance affected by overdue payments) as given in the above table
) ( #N/A
Portfolio balance affected by overdue payments (non-renegotiated loans) ) ( #N/A
Portfolio Report #N/A
Repayment performance of outstanding Loan Portfolio #N/A
Were there any renegotiated loans on this year's Balance Sheet? #N/A
Products and Clients Balance outstanding at year-end (in currency and unit listed above) ) ( #N/A
Can this effect be clearly and efficiently measured due to the separation of accounts? #N/A
Clients, by other product #N/A
Compulsory ) ( Wajib
Describe individually each non-financial service #N/A
Description of loan terms and conditions (include description of loan terms, payment frequency, grace periods, guarantee requirements, conditions required to access loans, etc.) ) / ) ( . ( #N/A
Description of terms and conditions of product (all products defined as 'other' should be described in particular detail) ) " " ( #N/A
Description of terms and conditions of savings product (include description of terms, whether account is voluntary or compulsory, whether deposits are fixed term, whether MFI or third party mobilizes deposits, etc.) ) / ) ( . ( #N/A
Do the expenses, income and profit amounts given above appear on your audited financial statements? If 'yes', please enter these amounts in lines 12a and 12b of the Income Statement. 12 . #N/A
Does the institution offer non financial services? #N/A
Does the institution specifically target very poor clients (clients earning less than US$1/day or population in the bottom half living under the poverty line)? /
) 1
( #N/A
Does the institution use any targeting tools such as Means Test, Participatory Wealth Ranking, Housing Index, etc.? . #N/A
How do the non-financial services offered by the institution enhance its core savings and loan business? #N/A
If applicable, balance outstanding at year-end (in currency and unit listed above) ) ( #N/A
Is the institution able to track numbers of clients in addition to number of accounts (i.e., savers as well as savings accounts)? )
( ) ( #N/A
Lending methodologies used #N/A
LOAN PRODUCTS PRODUK PINJAMAN
Loans and borrowers #N/A
Non-financial service #N/A
Non-financial services #N/A
Number of accumulated borrowers #N/A
Number of accumulated loans disbursed #N/A
Number of Active Borrowers Jumlah Peminjam Aktif
Number of active clients #N/A
Number of active savers #N/A
Number of active savings accounts ) ( #N/A
Number of Loans Outstanding Jumlah Kredit Belum Lunas
Number of new borrowers #N/A
Number of new clients #N/A
Number of participants #N/A
Number of women borrowers #N/A
Number of women clients #N/A
Number of women savers ) ( #N/A
Operational profit (loss) from non-financial service ) ( #N/A
Other microfinance products #N/A
Other products #N/A
Outreach & Impact #N/A #N/A
Percentage of clients in households earning less than US$1/day per household member / #N/A
Please list, describe and provide a balance for each financial product offered by the institution (ranked in order of importance to institution)
) ( #N/A
Please provide information as of #N/A
Products and Clients #N/A
Related operational expenses #N/A
Related operational income #N/A
Savings and savers #N/A
Savings products ) ( Produk simpanan
TOTAL TOTAL
Total number of active clients (all services combined) )
( #N/A
Total number of loan products offered #N/A
Total number of savings products offered / #N/A
Voluntary #N/A
Financial Statements Balance Sheet (Impairment Loss Allowance) #N/A (Cadangan Penghapusan Kredit Macet)
(line 15 from IS) 15 1c #N/A
(line 16 from IS) 16 1c #N/A
(sum of 1) 1 #N/A
(sum of 1d) 1d #N/A
(sum of 2) 2 #N/A
(sum of 2a) 2a #N/A
(sum of 2c) 2c #N/A
(sum of 3) 3 #N/A
(sum of 3b) 3b #N/A
(sum of 3c) 3c #N/A
(sum of 3d) 3d #N/A
Account #N/A
Accounts Payable and Other Liabilities Hutang dan Kewajiban Lainnya
Accounts Receivable and Other Assets ) ( Piutang dan Aktiva Lainnya
Adjusted Accounts #N/A Rekening-rekening yang Mengalami Penyesuaian
Adjustments Penyesuaian
Adjustments to Equity #N/A #N/A
As of #N/A
ASSETS / Aset
BALANCE SHEET NERACA
Borrowings #N/A Pinjaman
Borrowings at commercial interest rates Pinjaman dengan suku bunga komersial
Borrowings at concessional interest rates Pinjaman dengan suku bunga longgar
Cash and Due from Banks Kas dan Rekening Bank
Compulsory Deposits #N/A Tabungan Wajib
Compulsory Savings Tabungan Wajib
Currency Conversion Factor #N/A Faktor Konversi Mata Uang
Current Year Tahun Berjalan
Demand Deposits Rekening Koran
Description #N/A
Donated Equity Modal Sumbangan
EQUITY Modal
FINANCIAL STATEMENTS - Please list in - #N/A
Gross Loan Portfolio, as of #N/A
INFLATION ADJUSTMENT #N/A
In-Kind Subsidy Adjustment / Biaya Subsidi Penyesuaian Sejenis
Interest Payable Bunga yang Masih Harus Dibayar
Interest Receivable Bunga yang Masih Harus Diterima
Item #N/A
LIABILITIES PASIVA
Loan Loss Reserve #N/A
Long Term Financial Assets ) ( #N/A
Net Fixed Assets ) ( Aktiva Tetap Bersih
Net fixed assets, as of #N/A
Net Loan Portfolio Portofolio Kredit Bersih
Other Equity Accounts Rekening Modal Lainnya
Other Investments #N/A Aktiva Keuangan Jangka Panjang
Paid-in Capital Modal Disetor
Please provide the following account balances for the previous fiscal year #N/A
Please provide us with the short and long-term breakout of Total Assets and Total Liabilities / #N/A
Prior Years Tahun-tahun Lalu
Reserves Cadangan
Reserves from Central Bank #N/A Cadangan Bank Sentral
Reserves in Central Bank #N/A
Retained Earnings ) ( Laba Ditahan
Short Term Financial Assets ) ( #N/A
Subsidized Cost of Funds Adjustment . Biaya yg Disubsidi dari Penyesuaian Dana
Time Deposits Deposito Berjangka
Total Assets Jumlah Aktiva
TOTAL ASSETS, as of #N/A
Total balance on all liability accounts payable at or within 12 months 12 #N/A
Total balance on all liability accounts payable beyond 12 month horizon 12 #N/A
Total Borrowings #N/A
Total Equity Jumlah Modal
TOTAL EQUITY, as of #N/A
Total Liabilities Jumlah Pasiva/Kewajiban
Total Liabilities and Equity Jumlah Pasiva/Kewajiban dan Modal
Total of all asset accounts maturing at or within 12 months 12 #N/A
Total of all asset accounts maturing in more than 12 months 12 #N/A
Trade Investments #N/A Kas dan Rekening Bank
Unadjusted Accounts #N/A Rekening-rekening yang Tidak Mengalami Penyesuaian
Units #N/A Unit-unit
Voluntary Deposits #N/A Tabungan Sukarela
Voluntary Savings Simpanan Sukarela
Balance Sheet - definitions Accounts receivable, notes receivables and other receivables. This includes all receivables other than client loan accounts, including employee loans. . #N/A
Accumulated donations . #N/A
Accumulated donations from prior periods . #N/A
Accumulated donations from the current year #N/A #N/A
Accumulated net income after taxes and before donations . #N/A
Accumulated net income after taxes and before donations from prior periods . #N/A
Accumulated net income after taxes and before donations from the current year . #N/A
All outstanding principal for all outstanding client loans, including current, delinquent and restructured loans, but not loans that have been written off. It does not include interest receivable. It does not include employee loans. ) / ( . . . #N/A
Capital paid by shareholders or members . #N/A
Cash reserves in a central bank . #N/A
Cash, petty cash, balances in banks, including non-interest bearing deposits . #N/A
Certificates of deposit or other fixed term deposits . #N/A
Client savings accounts that are maintained as a condition for a current or future loan and are held with the institution . #N/A
Demand deposits from the general public and members that are not maintained as a condition for accessing a current or future loan and are held with the institution . #N/A
Donations from the current year #N/A #N/A
Gross Loan Portfolio minus Loan Loss Reserve . #N/A
Interest payable on all liability accounts. Recorded by institutions using accrual accounting. . . #N/A
Interest receivable on all asset accounts. Recorded by institutions using accrual accounting. . . #N/A
Long term investments not convertible to cash within 12 months 12 . #N/A
Net income after taxes and before donations from the current year #N/A #N/A
Other equity accounts not included elsewhere . #N/A
Other liabilities including tax and salary liabilities, social withholdings, deferred income, other accounts payable, including liabilities that do not fund the portfolio, such as mortgages on real estate. . #N/A
Principal balance of all borrowings, including overdraft accounts, for which the institution pays a nominal rate of interest that is greater than to or equal to the local commercial interest rate . #N/A
Principal balance of all borrowings, including overdraft accounts, for which the institution pays a nominal rate of interest that is less than the local commercial interest rate . #N/A
Reserves such as those imposed by law or statute. #N/A #N/A
Reserves such as those imposed by law or statute. Explain any reserves used by the institution. . . #N/A
The portion of the gross loan portfolio that has been expensed (provisioned for) in anticipation of losses due to default. This item represents the cumulative value of the loan loss provision expense, less the cumulative value of loans written off. ) ( . ) / ( . #N/A
The purchase value of property, plant and equipment, less accumulated depreciation. This includes intangibles, such as MIS development or goodwill, less accumulated amortization. . #N/A
Total balance on all liability accounts payable beyond 12 month horizon 12 #N/A
Total balance on all liability accounts payable within 12 months 12 #N/A
Total of all asset accounts (including gross loan portfolio) maturing at or within 12 months ) ( 12 #N/A
Total of all asset accounts (including gross loan portfolio) maturing in more than 12 months ) ( 12 #N/A
Total of all equity accounts . #N/A
Total of all liability accounts . #N/A
Total of all net asset accounts ) ( . #N/A
Total of Commercial and Concessional Borrowings . #N/A
Total of Total Liabilities and Total Equity . #N/A
Total of Voluntary and Compulsory Savings . #N/A
Treasury bills and other short term investments, including interest-bearing deposits, convertible to cash within 12 months. Usually used in liquidity management. 12
. . #N/A
Value in-kind subsidy adjustment (reserved for MIX use) ) ) MIX ( #N/A
Value of all adjustments, including inflation adjustment . #N/A
Value of inflation adjustment expense #N/A #N/A
Value of inflation adjustment expense (reserved for institutions practicing inflation-based accounting) ) ( . #N/A
Value of in-kind subsidy adjustment #N/A #N/A
Value of subsidized cost of funds adjustment expense #N/A #N/A
Value of subsidized cost of funds adjustment expense (reserved for MIX use) ) ) MIX ( #N/A
Income Statement (13 less 14) 13 14 #N/A
(5 less 6) 6 5 #N/A
(7 less 8 less 10) 7 8 10 #N/A
(sum of 10) 10 #N/A
(sum of 10b) 10b #N/A
(sum of 12) 12 #N/A
(sum of 5) 5 #N/A
(sum of 5a) 5a #N/A
(sum of 6) 6 #N/A
(sum of 6a) 6a #N/A
(sum of 6b) 6b #N/A
(sum of 8) 8 #N/A
Adjustment for Subsidized Cost of Funds #N/A Pengeluaran Penyesuaian Subsidi Biaya Dana
Administrative Expense Pengeluaran Administratif
Depreciation and Amortization Penyusutan dan Amortisasi
Donations #N/A Sumbangan Subsidi Jasa Keuangan
Donations to Subsidize Financial Services / #N/A
Fees and Commissions on Loan Portfolio Provisi dan Komisi Portofolio Kredit
Financial Expense Pengeluaran Keuangan
Financial Expense on Funding Liabilities #N/A Pengeluaran Keuangan atas Pasiva/Kewajiban
Financial Expense on Liabilities #N/A
Financial Revenue Hasil Keuangan
Financial Revenue from Investments #N/A Hasil Keuangan dari Aktiva Keuangan Lainnya
Financial Revenue from Loan Portfolio Hasil Keuangan dari Portofolio Kredit
Financial Revenue from Other Financial Assets #N/A
Impairment Losses on Loans #N/A Pengeluaran Bersih Penyisihan Penghapusan Kredit
INCOME STATEMENT LAPORAN LABA RUGI
Inflation Adjustment Expense #N/A
Inflation Adjustment Revenue #N/A
Inflation Adjustment to Equity #N/A Pengeluaran Penyesuaian Tingkat Inflasi
Inflation Adjustment to Fixed Assets #N/A Hasil Penyesuaian Tingkat Inflasi
Interest and fee expense on borrowings #N/A
Interest and Fee Expense on Deposits Pengeluaran Bunga dan Provisi atas Pinjaman
Interest on Loan Portfolio Bunga Portofolio Kredit
Loan Loss Provision Expense #N/A
Net Adjustment for Inflation #N/A Pengeluaran Penyesuaian Tingkat Inflasi Bersih
Net Financial Income Pendapatan Keuangan Bersih
Net Income (After Taxes and Before Donations) ) / ( Pendapatan Bersih (Setelah Pajak dan Sebelum Sumbangan)
Net Income (After Taxes and Donations) ) / ( / Pendapatan Bersih (Setelah Pajak dan Sumbangan)
Net Income (Before Taxes and Donations) ) / ( Pendapatan Bersih (Sebelum Pajak dan Sumbangan)
Net Inflation Adjustment Expense #N/A
Net Loan Loss Provision Expense #N/A
Net Non-Operating Income Pendapatan Non-Operasional Bersih
Net Operating Income Pendapatan Operasional Bersih
Non-Operating Expense Pengeluaran Non-Operasional
Non-Operating Revenue Hasil Non-Operasional
Operating Expense Pengeluaran Operasional
Other Administrative Expense #N/A Pengeluaran Administratif Lainnya
Other Administrative Expenses #N/A
Other Financial Expense #N/A Pengeluaran Keuangan Lainnya
Other Financial Expenses #N/A
Other Operating Revenue #N/A Hasil Lain yang Terkait dengan Jasa Keuangan
Other Revenue Related to Financial Services #N/A
Period ending #N/A
Period starting #N/A
Personnel Expense Pengeluaran Personalia
Provision for Loan Impairment #N/A Pengeluaran Penyisihan Penghapusan Kredit Macet
Recovery on Loans Written-off ) ( #N/A
Subsidized Cost-of-Funds Adjustment Expense #N/A
Taxes Pajak
Value of Loans Recovered #N/A Penghapusan Kredit Macet yang Berhasil Ditagih Kembali
Income Statement - definitions Adjustment expense for difference between market rate and concessional rate on borrowings #N/A #N/A
Adjustment expense for difference between market rate and concessional rate on funding liabilities (reserved for MIX use) . ) MIX ( #N/A
Allowance for deterioration, eventual replacement of equipment . #N/A
Cost of maintaining the value of the institution's equity . #N/A
Donations made to the MFI to subsidize its operations / . #N/A
Expenses from activity unrelated to the MFIs core activity of providing financial services, such as BDS development costs or consulting expenses . #N/A
Financial Revenue less Financial Expense, Net Loan Loss Provision Expense and Operating Expense . #N/A
Financial Revenue minus Financial Expense #N/A
Gain on the value of fixed assets due to inflation . #N/A
Includes all taxes paid on Net Income or other measure of profits as defined by local tax authorities . #N/A
Interest and fees paid on borrowings . #N/A
Interest and fees paid on demand or term deposits . #N/A
Interest earned on loan portfolio . #N/A
Loan Loss Provision Expense for the period . #N/A
Net gains on other financial assets . #N/A
Net Income (after Taxes and before Donations) plus Donations ) / ( / . #N/A
Net Income (before Taxes and Donations) less Taxes ) / ( . #N/A
Net Operating Income less Net Non-operating Income #N/A #N/A
Net Operating Income plus Net Non-operating Income #N/A
Non-operating Revenue less Non-operating Expense . #N/A
Other expenses from provision of financial services, including non-financial expenses on financial products, as well as net exchange depreciation . #N/A
Other non-personnel administrative expenses . #N/A
Other revenue from provision of financial services, including revenue from insurance or transfer services or non-financial revenue from the provision of financial services, such as the sale of passbooks or SmartCards. This account also include net exchan #N/A #N/A
Other revenue from provision of financial services, including revenue from insurance or transfer services or non-financial revenue from the provision of financial services, such as the sale of passbooks or SmartCards. This account also includes net excha #N/A #N/A
Penalties, commissions and other fees charged on loan portfolio . #N/A
Printed matter, supplies, photocopies, books, etc. . #N/A
Rent and utility charges . #N/A
Reserved for institutions that use inflation based accounting. Net amount of inflation adjustment. . . #N/A
Revenue from activity unrelated to the MFI's core activity of providing financial services. This could include consulting income, sale of IT products, or fees for BDS. . . #N/A
Revenue from activity unrelated to the MFI's core activity of providing financial services. This could include consulting income, sale of IT products, or fees for business development services (BDS). #N/A #N/A
Salaries, withholdings, fringe benefits and personnel taxes paid on all those who work for the institution . #N/A
Sum of loan loss provision expense and recovery on loan loss provision #N/A
Sum of loan loss provision expense and recovery on loans written off #N/A #N/A
Total interest, fees and commission on loan portfolio . #N/A
Total of financial expense on liabilities, net inflation adjustment, cost-of-funds adjustment and other expenses from financial services . #N/A
Total of interest and fees paid on deposits and borrowings . #N/A
Total of Personnel Expense and Administrative Expense . #N/A
Total of Rent and Utilities, Transportation, Office Supplies, Depreciation and Other Administrative Expenses . #N/A
Total of revenue from loan portfolio and other financial assets, as well as other financial revenue from financial services / . #N/A
Total recovery on loans written off ) ( . #N/A
Transportation of staff to attend to clients and to manage operations . #N/A
Indicators Efficiency Average Salary/ GNI per Capita #N/A Gaji Rata-rata/GNI per Kapita
Cost per Borrower #N/A Biaya per Peminjam
Cost per Loan #N/A Biaya per Kredit
EFFICIENCY #N/A EFISIENSI
Operating Expense/ Loan Portfolio #N/A Pengeluaran Operasional/Portofolio Kredit
Personnel Expense/ Loan Portfolio #N/A Pengeluaran Personalia/Portofolio Kredit
Efficiency - Definitions Adjusted Average Personnel Expense/ GNI per capita #N/A Pengeluaran Rata-rata Personalia yang Disesuaikan/GNI per kapita
Adjusted Operating Expense/ Adjusted Average Gross Loan Portfolio #N/A Pengeluaran Operasional yang Disesuaikan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan
Adjusted Operating Expense/ Adjusted Average Number of Active Borrowers #N/A Pengeluaran Operasional yang Disesuaikan/Jumlah Rata-rata Peminjam Aktif yang Disesuaikan
Adjusted Operating Expense/ Adjusted Average Number of Loans #N/A Pengeluaran Operasional yang Disesuaikan/Jumlah Rata-rata Kredit yang Disesuaikan
Adjusted Personnel Expense/ Adjusted Average Gross Loan Portfolio #N/A Pengeluaran Personalia yang disesuaikan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan
Expenses Adjustment Expense/ Assets #N/A Pengeluaran Penyesuaian / Jumlah Aktiva
Administrative Expense/ Assets #N/A Pengeluaran Administratif / Jumlah Aktiva
EXPENSES #N/A PENGELUARAN
Financial Expense/ Assets #N/A #N/A
Operating Expense/ Assets #N/A #N/A
Personnel Expense/ Assets #N/A Pengeluaran Personalia / Jumlah Aktiva
Provision for Loan Impairment/ Assets #N/A Pengeluaran Penyisihan Penghapusan Kredit Macet / Jumlah Aktiva
Total Expense/ Assets #N/A Jumlah Pengeluaran / Jumlah Aktiva
Expenses - Definitions (Adjusted Net Operating Income - Unadjusted Net Operating Income)/ Adjusted Average Total Assets #N/A (Pendapatan Operasional Bersih yang Disesuaikan - Pendapatan Operasional Bersih yang Tidak Disesuaikan)/Jumlah Rata-rata Aktiva yang Disesuaikan
(Unadjusted Net Operating Income - Adjusted Net Operating Income)/ Adjusted Average Total Assets #N/A #N/A
Adjusted (Financial Expense + Net Impairment Loss + Operating Expense) / Adjusted Average Total Assets #N/A Penyesuaian (Pengeluaran Keuangan + Pengeluaran Bersih Penyisihan Penghapusan Kredit Macet + Pengeluaran Operasional)/Jumlah Rata-rata Aktiva yang Disesuaikan
Adjusted Administrative Expense/ Adjusted Average Total Assets #N/A Pengeluaran Administratif yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan
Adjusted Financial Expense/ Adjusted Average Total Assets #N/A Pengeluaran Keuangan yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan
Adjusted Impairment Losses on Loans/ Adjusted Average Total Assets #N/A Pengeluaran Bersih Penyisihan Penghapusan Kredit yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan
Adjusted Operating Expense/ Adjusted Average Total Assets#N/A Pengeluaran Operasional yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan
Adjusted Personnel Expense/ Adjusted Average Total Assets#N/A Pengeluaran Personalia yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan
Financial Performance Financial Self-Sufficiency #N/A Swasembada Keuangan
Operational Self-Sufficiency #N/A Swasembada Operasional
OVERALL FINANCIAL PERFORMANCE #N/A KINERJA KEUANGAN MENYELURUH
Return on Assets #N/A #N/A
Return on Equity #N/A ROE
Financial Performance - Definitions (Adjusted Net Operating Income - Taxes)/ Adjusted Average Total Assets #N/A Pendapatan Operasional Bersih yang Disesuaikan, bersih dari pajak/Jumlah Rata-rata Aktiva yang Disesuaikan
(Adjusted Net Operating Income - Taxes)/ Adjusted Average Total Equity #N/A Pendapatan Operasional Bersih yang Disesuaikan, bersih dari pajak/Jumlah Rata-rata Modal yang Disesuaikan
Adjusted Financial Revenue/ Adjusted (Financial Expense + Impairment Losses on Loans + Operating Expense) #N/A Hasil Keuangan yang Disesuaikan/ Penyesuaian (Pengeluaran Keuangan + Pengeluaran Bersih Penyisihan Penghapusan Kredit Macet + Pengeluaran Operasional)
Financial Revenue/ (Financial Expense + Impairment Losses on Loans + Operating Expense) #N/A Hasil Keuangan/(Pengeluaran Keuangan + Pengeluaran Penyisihan Penghapusan Kredit Macet Bersih + Pengeluaran Operasional)
Financing Structure Capital/ Asset Ratio #N/A Rasio Modal/Aktiva
Commercial Funding Liabilities Ratio #N/A Rasio Kewajiban Pendanaan Komersial
Debt to Equity #N/A Rasio Hutang/Modal
Deposits to Loans #N/A Deposito berbanding Kredit
Deposits to Total Assets #N/A Deposito berbanding Jumlah Aktiva
FINANCING STRUCTURE #N/A STRUKTUR PEMBIAYAAN
Portfolio to Assets #N/A Portofolio Kredit Kotor/Jumlah Aktiva
Financing Structure - Definitions (Voluntary and Time Deposits + Borrowings at Commercial Interest Rates) / Adjusted Average Gross Loan Portfolio #N/A Seluruh kewajiban dengan harga "pasar"/Portofolio Kredit Kotor yang Disesuaikan
Adjusted Gross Loan Portfolio/ Adjusted Total Assets #N/A Portofolio Kredit Kotor yang Disesuaikan/Jumlah Aktiva yang Disesuaikan
Adjusted Total Equity/ Adjusted Total Assets #N/A Jumlah Modal yang Disesuaikan/Jumlah Aktiva yang Disesuaikan
Adjusted Total Liabilities/ Adjusted Total Equity #N/A Jumlah Kewajiban yang Disesuaikan/Jumlah Modal yang Disesuaikan
Deposits/ Adjusted Gross Loan Portfolio #N/A Tabungan Sukarela/Portofolio Kredit Kotor yang Disesuaikan
Deposits/ Adjusted Total Assets #N/A Tabungan Sukarela/Jumlah Aktiva yang Disesuaikan
Institutional Characteristics Age #N/A Usia
INSTITUTIONAL CHARACTERISTICS #N/A CIRI-CIRI KELEMBAGAAN
Number of MFIs #N/A Jumlah LKM
Offices #N/A Kantor
Personnel #N/A Tenaga Kerja
Institutional Characteristics - Definitions Number, including head office #N/A Jumlah kantor, termasuk kantor pusat
Sample size of group #N/A Contoh ukuran kelompok
Total Assets, adjusted for Inflation and standardized provisioning for loan impairment and write-offs #N/A #N/A
Total number of staff members #N/A Jumlah karyawan
Years functioning as an MFI #N/A Berapa tahun berfungsi sebagai LKM
Outreach Average Deposit Account Balance #N/A Saldo Rata-rata Rekening Tabungan
Average Deposit Account Balance/ GNI per capita #N/A #N/A
Average Deposit Balance per Depositor #N/A Saldo Tabungan Rata-rata per Penabung
Average Deposit Balance per Depositor/ GNI per capita #N/A #N/A
Average Loan Balance per Borrower #N/A Saldo Kredit Rata-rata per Peminjam
Average Loan Balance per Borrower/ GNI per Capita #N/A Saldo Kredit Rata-rata per Peminjam/ GNI per Kapita
Average Outstanding Balance #N/A Saldo Rata-rata Belum Lunas
Average Outstanding Balance/ GNI per Capita #N/A Saldo Rata-rata Belum Lunas/ GNI per Kapita
Number of Active Borrowers Jumlah Peminjam Aktif
Number of Borrowers #N/A Jumlah Peminjam
Number of Loans Outstanding Jumlah Kredit Belum Lunas
Number of Deposit Accounts #N/A Jumlah Rekening Penabung Sukarela
Number of Depositors #N/A Jumlah Penabung Sukarela
OUTREACH INDICATORS #N/A INDIKATOR-INDIKATOR JANGKAUAN
Percent of Women Borrowers #N/A Persentase Peminjam Wanita
Deposits #N/A Tabungan Sukarela
Outreach - Definitions Adjusted Average Loan Balance per Borrower/ GNI per Capita #N/A Saldo Rata-rata Kredit yang Disesuaikan per Peminjam/GNI per Kapita
Adjusted Average Outstanding Balance/ GNI per Capita #N/A Saldo Belum Lunas Rata-rata yang Disesuaikan/GNI per Kapita
Adjusted Gross Loan Portfolio/ Adjusted Number of Active Borrowers #N/A Portofolio Kredit Kotor yang Disesuaikan/ Jumlah Peminjam Aktif yang Disesuaikan
Adjusted Gross Loan Portfolio/ Adjusted Number of Loans Outstanding #N/A Portofolio Kredit Kotor yang Disesuaikan/ Jumlah Kredit Belum Lunas yang Disesuaikan
Adjusted Gross Loan Portfolio/ Adjusted Total Assets #N/A Portofolio Kredit Kotor yang Disesuaikan/Jumlah Aktiva yang Disesuaikan
Gross Loan Portfolio, adjusted for standardized write-offs #N/A Portofolio Kredit Kotor, yang disesuaikan untuk penyeragaman penghapusan kredit macet
Number of active women borrowers/ Adjusted Number of Active Borrowers #N/A Jumlah peminjam aktif wanita/Jumlah peminjam aktif yang disesuaikan
Number of borrowers with loans outstanding, adjusted for standardized write-offs #N/A Jumlah peminjam yang hutangnya belum lunas, yang disesuaikan untuk penyeragaman penghapusan
Number of depositors with voluntary deposit and time deposit accounts #N/A Jumlah penabung dengan rekening tabungan sukarela rekening koran dan deposito berjangka
Number of loans outstanding, adjusted for standardized write-offs #N/A Jumlah kredit belum lunas, yang disesuaikan untuk penyeragaman penghapusan kredit macet
Number of depositors with any type of deposit account #N/A Jumlah rekening tabungan sukarela rekening koran dan deposito berjangka
Number of all deposit accounts
Total value of all deposit accounts #N/A Jumlah nilai rekening tabungan sukarela rekening koran dan deposito berjangka
Depositors/ Number of Deposit Accounts #N/A Tabungan Sukarela/Jumlah Rekening Tabungan Sukarela
Deposits/ Number of Depositors #N/A Tabungan Sukarela/Jumlah Penabung Sukarela
Productivity Borrowers per Loan Officer #N/A Peminjam berbanding Pejabat Kredit
Borrowers per Staff Member #N/A Peminjam berbanding Karyawan
Deposit Accounts per Staff Member #N/A Rekening Tabungan per Karyawan
Loans per Loan Officer #N/A Kredit berbanding Pejabat Kredit
Loans per Staff Member #N/A Kredit berbanding Karyawan
Personnel Allocation Ratio #N/A Rasio Alokasi Personalia
Productivity #N/A PRODUKTIVITAS
Depositors per Staff Member #N/A Penabung Sukarela per Karyawan
Productivity - DefinitionsAdjusted Number of Active Borrowers/ Number of Loan Officers #N/A Jumlah Peminjam Aktif yang Disesuaikan/Jumlah Pejabat Kredit
Adjusted Number of Active Borrowers/ Number of Personnel #N/A Jumlah Peminjam Aktif yang Disesuaikan/Jumlah Karyawan
Adjusted Number of Loans Outstanding/ Number of Loan Officers #N/A Jumlah Kredit Belum Lunas yang Disesuaikan/ Jumlah Pejabat Kredit
Adjusted Number of Loans Outstanding/Number of Personnel #N/A Jumlah Kredit Belum Lunas yang Disesuaikan/ Jumlah Karyawan
Number of Deposit Accounts/ Number of Personnel #N/A Jumlah Rekening Tabungan/Jumlah Karyawan
Number of Loan Officers/ Number of Personnel #N/A Jumlah Pejabat Kredit/Jumlah Karyawan
Number of Depositors/ Number of Personnel #N/A Jumlah Penabung Sukarela/Jumlah Karyawan
Revenues Financial Revenue/ Assets #N/A #N/A
Profit Margin #N/A Margin Laba
REVENUES #N/A HASIL
Yield on Gross Portfolio (nominal) #N/A Keuntungan Portofolio Kotor (nominal)
Yield on Gross Portfolio (real) #N/A Keuntungan Portofolio Kotor (nyata)
Revenues - Definitions (Adjusted Yield on Gross Portfolio (nominal) - Inflation Rate)/ (1 + Inflation Rate) #N/A (Keuntungan Portofolio Kredit (nominal) yang Disesuaikan - Tingkat Inflasi)/(1 + Tingkat Inflasi)
Adjusted Financial Revenue from Loan Portfolio/ Adjusted Average Gross Loan Portfolio #N/A Hasil Keuangan dari Portofolio Kredit yang Disesuaikan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan
Adjusted Financial Revenue/ Adjusted Average Total Assets #N/A Hasil Keuangan yang Disesuaikan/ Jumlah Rata-rata Aktiva yang Disesuaikan
Adjusted Net Operating Income/ Adjusted Financial Revenue#N/A Pendapatan Operasional Bersih yang Disesuaikan/ Hasil Keuangan yang Disesuaikan
Risk and Liquidity Current Ratio #N/A Rasio Lancar
Loan Loss Rate #N/A Tingkat Kredit Macet
Non-earning Liquid Assets as a % of Total Assets #N/A Aktiva Cair yang Tidak Menghasilkan sebagai % Jumlah Aktiva
Portfolio at Risk > 30 Days #N/A Portofolio Yang Mengandung Risiko > 30 Hari
RISK AND LIQUIDITY #N/A RISIKO DAN LIKUIDITAS
Risk Coverage Ratio #N/A Perlindungan Risiko
Write-off Ratio #N/A Rasio Penghapusan Kredit
Risk and Liquidity - Definitions (Adjusted Write-offs - Value of Loans Recovered)/ Adjusted Average Gross Loan Portfolio #N/A Penyesuaian Penghapusan Kredit Macet, bersih dari yang berhasil ditagih kembali/Portofolio Kotor Rata-rata Kredit yang Disesuaikan
Adjusted Cash and banks/ Adjusted Total Assets #N/A Kas dan Bank yang Disesuaikan/Jumlah Aktiva yang Disesuaikan
Adjusted Impairment Loss Allowance/ PAR > 30 Days #N/A Cadangan Penghapusan Kredit Macet yang Disesuaikan/PAR > 30 Hari
Adjusted Value of loans written-off/ Adjusted Average Gross Loan Portfolio #N/A Nilai kredit yang dihapusbukukan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan
Outstanding balance, portfolio overdue> 30 Days + renegotiated portfolio/ Adjusted Gross Loan Portfolio #N/A Saldo belum lunas, tunggakan kredit > 30 Hari/ Portofolio Kotor Kredit yang Disesuaikan
Outstanding balance, portfolio overdue> 90 Days + renegotiated portfolio/ Adjusted Gross Loan Portfolio #N/A Saldo belum lunas, tunggakan kredit > 90 Hari/ Portofolio Kotor Kredit yang Disesuaikan
Short Term Assets/ Short Term Liabilities #N/A Aktiva Jangka Pendek/Kewajiban Jangka Pendek
MM Content Common Options -- not affiliated -- #N/A #N/A
28/29th of February #N/A #N/A
30th of April #N/A #N/A
30th of June #N/A #N/A
30th of November #N/A #N/A
30th of September #N/A #N/A
31st of August #N/A #N/A
31st of December #N/A #N/A
31st of January #N/A #N/A
31st of July #N/A #N/A
31st of March #N/A #N/A
31st of May #N/A #N/A
31st of October #N/A #N/A
Account #N/A
Active #N/A #N/A
Audited accounts #N/A #N/A
Budget #N/A Anggaran
English #N/A #N/A
External Evaluators, Rating agencies #N/A #N/A
French #N/A #N/A
Group #N/A Kelompok
High priority #N/A #N/A
Hyperlink to HTML Page #N/A #N/A
Inactive #N/A #N/A
Key indicators #N/A #N/A
Networks #N/A #N/A
No #N/A
Non audited accounts #N/A #N/A
Non visible to MIX MARKET Members #N/A #N/A
Spanish #N/A #N/A
Supervising authority #N/A #N/A
Unclassified #N/A #N/A
Yes Ya
Core Labels Absolute date end #N/A #N/A
Absolute date start #N/A #N/A
Access level #N/A #N/A
Activities #N/A #N/A
Address #N/A
Addresses #N/A #N/A
Administrative costs #N/A #N/A
City #N/A #N/A
Comment #N/A #N/A
Company : References #N/A #N/A
Content #N/A #N/A
Content bottom #N/A #N/A
Content TOP #N/A #N/A
Cost of good solds #N/A #N/A
Country #N/A
Currency #N/A
File name #N/A #N/A
Financial Costs #N/A Biaya Keuangan
First name(s) #N/A #N/A
Function #N/A #N/A
Fund currency #N/A #N/A
Fund structure : Comments #N/A #N/A
Investment on equipment #N/A #N/A
Last name #N/A #N/A
Local sales #N/A #N/A
Net profit #N/A #N/A
News date #N/A #N/A
News title #N/A #N/A
Organization / Company #N/A #N/A
Other #N/A
Other costs #N/A #N/A
Other Income #N/A Pendapatan Lain
Other products #N/A
Phone #N/A
Phone (2) #N/A #N/A
Products #N/A Produk
Publication end #N/A #N/A
Publication start #N/A #N/A
Region #N/A Daerah
Relative day end (in days) #N/A #N/A
Relative start (in days) #N/A #N/A
Site name #N/A #N/A
State / Province #N/A #N/A
Street #N/A #N/A
Street (2) #N/A #N/A
Street (3) #N/A #N/A
Target #N/A #N/A
Taxes paid #N/A #N/A
Title #N/A #N/A
Total sales #N/A #N/A
Value date #N/A #N/A
Visibility #N/A #N/A
Website #N/A #N/A
Website (2) #N/A #N/A
Website address #N/A #N/A
Zip code #N/A #N/A
Core Options Abstract #N/A #N/A
Auditors opinion #N/A #N/A
Authorization #N/A #N/A
Banks (microfinance or traditional) #N/A #N/A
Board of Directors opinion #N/A #N/A
Bottom #N/A #N/A
Business Development Services #N/A #N/A
Capacity Building Grants #N/A #N/A
CEO #N/A #N/A
CFO #N/A #N/A
Cooperative/Credit Union #N/A #N/A
Credit Manager #N/A #N/A
Daily #N/A #N/A
Declaration #N/A #N/A
Donations #N/A Sumbangan Subsidi Jasa Keuangan
Don't show sibling pages #N/A #N/A
Dr. #N/A #N/A
Education #N/A #N/A
Equity investment #N/A #N/A
Equity investments #N/A #N/A
Full #N/A #N/A
Full-scale financial services #N/A #N/A
Fully #N/A #N/A
Fund Advisor #N/A #N/A
Fund Manager #N/A #N/A
Fund Transfer Services #N/A #N/A
Grants #N/A #N/A
Guarantees #N/A #N/A
Health #N/A #N/A
Insurance #N/A
Leasing #N/A #N/A
Loans #N/A #N/A
Loans in local currency #N/A #N/A
Loans in US$ #N/A #N/A
Main address #N/A #N/A
Microfinance integrated with social AND economic services #N/A #N/A
Miss #N/A #N/A
Monthly #N/A Bulanan
Mr. #N/A #N/A
Mrs. #N/A #N/A
Ms. #N/A #N/A
No #N/A
Non-Bank Financial Institution #N/A #N/A
Non-Profit (NGO) #N/A #N/A
Not-Visible #N/A #N/A
Other #N/A
Partially #N/A #N/A
Partners pays full cost #N/A #N/A
Prof. #N/A #N/A
Program Director #N/A #N/A
Rating Agency opinion #N/A #N/A
Savings #N/A Simpanan
Secondary address #N/A #N/A
Second-tier lending to MFIs #N/A #N/A
Shareholder capital #N/A #N/A
Top #N/A Top
Training and Consulting #N/A #N/A
Voluntary Savings Simpanan Sukarela
Weekly #N/A Mingguan
Yearly #N/A Tahunan
Yes Ya
Peer Groups Age ( > 8 Years) #N/A #N/A
(0 to 4 Years) #N/A #N/A
(5 to 8 Years) #N/A #N/A
Age: #N/A #N/A
Benchmark data by Age & Scale #N/A #N/A
Mature #N/A #N/A
New #N/A Baru
Young #N/A #N/A
Charter (Bank) #N/A #N/A
(Credit Union) #N/A #N/A
(Non - Bank Financial Intermediary) #N/A #N/A
(Non Government Organization) #N/A #N/A
(Rural Bank) #N/A #N/A
Bank #N/A
Benchmark data by Charter Type #N/A #N/A
Charter Type: #N/A #N/A
Credit Union #N/A #N/A
NBFI #N/A #N/A
NGO #N/A
Rural Bank #N/A #N/A
Compound (Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) #N/A #N/A
(Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita 20% and 150%) #N/A #N/A
(Africa; GLP < $2,000,000) #N/A #N/A
(Africa; GLP < $2,000,000; and Voluntary Savings/ Total Assets < 20%) #N/A #N/A
(Africa; GLP < $2,000,000; Financial Self-Sufficiency < 100%) #N/A #N/A
(Africa; GLP < $2,000,000; Financial Self-Sufficiency > 100%) #N/A #N/A
(Africa; GLP < $2,000,000; Voluntary Savings/ Total Assets 20%) #N/A #N/A
(Africa; GLP > $8,000,000; Financial Self-Sufficiency < 100%) #N/A #N/A
(Africa; GLP > $8,000,000; Financial Self-Sufficiency > 100%) #N/A #N/A
(Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets < 20%) #N/A #N/A
(Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) #N/A #N/A
(Africa; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) #N/A #N/A
(Africa; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) #N/A #N/A
(Africa; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets 20%) #N/A #N/A
(Africa; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets<20%) #N/A #N/A
(Asia; GLP < $2,000,000) #N/A #N/A
(Asia; GLP < $2,000,000; Financial Self-Sufficiency < 100%) #N/A #N/A
(Asia; GLP < $2,000,000; Financial Self-Sufficiency > 100%) #N/A #N/A
(Asia; GLP < $2,000,000; Voluntary Savings/ Total Assets < 20%) #N/A #N/A
(Asia; GLP < $2,000,000; Voluntary Savings/ Total Assets 20%) #N/A #N/A
(Asia; GLP > $8,000,000; Financial Self-Sufficiency < 100%) #N/A #N/A
(Asia; GLP > $8,000,000; Financial Self-Sufficiency > 100%) #N/A #N/A
(Asia; GLP > $8,000,000; Voluntary Savings/ Total Assets < 20%) #N/A #N/A
(Asia; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) #N/A #N/A
(Asia; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) #N/A #N/A
(Asia; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) #N/A #N/A
(Asia; GLP $2,000,000 and $8,000,000; Voluntary Savings/ Total Assets 20%) #N/A #N/A
(Asia; GLP $2,000,000 and $8,000,000;Voluntary Savings/ Total Assets<20%) #N/A #N/A
(ECA; Avg. Balance per Borrower/ GNI per Capita > 150% and 250%) #N/A #N/A
(ECA; GLP < $2,000,000) #N/A #N/A
(ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) #N/A #N/A
(ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) #N/A #N/A
(ECA; GLP < $2,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 250%) #N/A #N/A
(ECA; GLP < $2,000,000; Financial Self-Sufficiency < 100%)#N/A #N/A
(ECA; GLP < $2,000,000; Financial Self-Sufficiency > 100%)#N/A #N/A
(ECA; GLP > $8,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) #N/A #N/A
(ECA; GLP > $8,000,000; Financial Self-Sufficiency < 100%)#N/A #N/A
(ECA; GLP > $8,000,000; Financial Self-Sufficiency > 100%)#N/A #N/A
(ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets > 0 and < 20%) #N/A #N/A
(ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets 20%) #N/A #N/A
(ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita > 150%) #N/A #N/A
(ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita 150%) #N/A #N/A
(ECA; GLP $2,000,000 and $8,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) #N/A #N/A
(ECA; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency < 100%) #N/A #N/A
(ECA; GLP $2,000,000 and $8,000,000; Financial Self-Sufficiency > 100%) #N/A #N/A
(LAC; GLP < $4,000,000; Financial Self-Sufficiency < 100%) #N/A #N/A
(LAC; GLP < $4,000,000; Financial Self-Sufficiency > 100%) #N/A #N/A
(LAC; GLP < $4,000,000;Avg. Balance per Borrower/ GNI per Capita 20% and 150% ) #N/A #N/A
(LAC; GLP < $4,000,000;Avg. Balance per Borrower/ GNI per Capita<20% and Avg. Balance per Borrower < USD 150 ) #N/A #N/A
(LAC; GLP > $15,000,000; Financial Self-Sufficiency < 100%) #N/A #N/A
(LAC; GLP > $15,000,000; Financial Self-Sufficiency > 100%) #N/A #N/A
(LAC; GLP > $15,000,000; Voluntary Savings/ Total Assets < 20%) #N/A #N/A
(LAC; GLP > $15,000,000; Voluntary Savings/ Total Assets 20%) #N/A #N/A
(LAC; GLP $4,000,000 and $15,000,000; Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) #N/A #N/A
(LAC; GLP $4,000,000 and $15,000,000; Avg. Balance per Borrower/ GNI per Capita 20% and 150%) #N/A #N/A
(LAC; GLP $4,000,000 and $15,000,000; Financial Self-Sufficiency < 100%) #N/A #N/A
(LAC; GLP $4,000,000 and $15,000,000; Financial Self-Sufficiency > 100%) #N/A #N/A
(LAC; GLP $4,000,000 and $15,000,000;Voluntary Savings/ Total Assets 20%) #N/A #N/A
(LAC; GLP $4,000,000 and $15,000,000;Voluntary Savings/ Total Assets< 20%) #N/A #N/A
(MENA; GLP < $2,000,000) #N/A #N/A
(MENA; GLP > $8,000,000) #N/A #N/A
(MENA; GLP $2,000,000 and $8,000,000) #N/A #N/A
Africa Large All #N/A #N/A
Africa Large Broad #N/A #N/A
Africa Large FSS #N/A #N/A
Africa Large High end #N/A #N/A
Africa Large High FI #N/A #N/A
Africa Large Low end #N/A #N/A
Africa Large Low FI #N/A #N/A
Africa Large Non FI #N/A #N/A
Africa Large Non FSS #N/A #N/A
Africa Large Small Business #N/A #N/A
Africa Medium All #N/A #N/A
Africa Medium Broad #N/A #N/A
Africa Medium FSS #N/A #N/A
Africa Medium High end #N/A #N/A
Africa Medium High FI #N/A #N/A
Africa Medium Low end #N/A #N/A
Africa Medium Low FI #N/A #N/A
Africa Medium Non FI #N/A #N/A
Africa Medium Non FSS #N/A #N/A
Africa Medium Small Business #N/A #N/A
Africa Small All #N/A #N/A
Africa Small Broad #N/A #N/A
Africa Small FSS #N/A #N/A
Africa Small High end #N/A #N/A
Africa Small High FI #N/A #N/A
Africa Small Low end #N/A #N/A
Africa Small Low FI #N/A #N/A
Africa Small Non FI #N/A #N/A
Africa Small Non FSS #N/A #N/A
Africa Small Small Business #N/A #N/A
Asia Large All #N/A #N/A
Asia Large Broad #N/A #N/A
Asia Large FSS #N/A #N/A
Asia Large High end #N/A #N/A
Asia Large High FI #N/A #N/A
Asia Large Low end #N/A #N/A
Asia Large Low FI #N/A #N/A
Asia Large Non FI #N/A #N/A
Asia Large Non FSS #N/A #N/A
Asia Large Small Business #N/A #N/A
Asia Medium All #N/A #N/A
Asia Medium Broad #N/A #N/A
Asia Medium FSS #N/A #N/A
Asia Medium High end #N/A #N/A
Asia Medium High FI #N/A #N/A
Asia Medium Low end #N/A #N/A
Asia Medium Low FI #N/A #N/A
Asia Medium Non FI #N/A #N/A
Asia Medium Non FSS #N/A #N/A
Asia Medium Small Business #N/A #N/A
Asia Small All #N/A #N/A
Asia Small Broad #N/A #N/A
Asia Small FSS #N/A #N/A
Asia Small High end #N/A #N/A
Asia Small High FI #N/A #N/A
Asia Small Low end #N/A #N/A
Asia Small Low FI #N/A #N/A
Asia Small Non FI #N/A #N/A
Asia Small Non FSS #N/A #N/A
Asia Small Small Business #N/A #N/A
COMPOUND PEER GROUPS #N/A #N/A
ECA Large All #N/A #N/A
ECA Large Broad #N/A #N/A
ECA Large FSS #N/A #N/A
ECA Large High end #N/A #N/A
ECA Large High FI #N/A #N/A
ECA Large Low end #N/A #N/A
ECA Large Low FI #N/A #N/A
ECA Large Non FI #N/A #N/A
ECA Large Non FSS #N/A #N/A
ECA Large Small Business #N/A #N/A
ECA Medium All #N/A #N/A
ECA Medium Broad #N/A #N/A
ECA Medium FSS #N/A #N/A
ECA Medium High end #N/A #N/A
ECA Medium High FI #N/A #N/A
ECA Medium Low end #N/A #N/A
ECA Medium Low FI #N/A #N/A
ECA Medium Non FI #N/A #N/A
ECA Medium Non FSS #N/A #N/A
ECA Medium Small Business #N/A #N/A
ECA Small All #N/A #N/A
ECA Small Broad #N/A #N/A
ECA Small FSS #N/A #N/A
ECA Small High end #N/A #N/A
ECA Small High FI #N/A #N/A
ECA Small Low end #N/A #N/A
ECA Small Low FI #N/A #N/A
ECA Small Non FI #N/A #N/A
ECA Small Non FSS #N/A #N/A
ECA Small Small Business #N/A #N/A
LAC Large All #N/A #N/A
LAC Large Broad #N/A #N/A
LAC Large FSS #N/A #N/A
LAC Large High end #N/A #N/A
LAC Large High FI #N/A #N/A
LAC Large Low end #N/A #N/A
LAC Large Low FI #N/A #N/A
LAC Large Non FI #N/A #N/A
LAC Large Non FSS #N/A #N/A
LAC Large Small Business #N/A #N/A
LAC Medium All #N/A #N/A
LAC Medium Broad #N/A #N/A
LAC Medium FSS #N/A #N/A
LAC Medium High end #N/A #N/A
LAC Medium High FI #N/A #N/A
LAC Medium Low end #N/A #N/A
LAC Medium Low FI #N/A #N/A
LAC Medium Non FI #N/A #N/A
LAC Medium Non FSS #N/A #N/A
LAC Medium Small Business #N/A #N/A
LAC Small All #N/A #N/A
LAC Small Broad #N/A #N/A
LAC Small FSS #N/A #N/A
LAC Small High end #N/A #N/A
LAC Small High FI #N/A #N/A
LAC Small Low end #N/A #N/A
LAC Small Low FI #N/A #N/A
LAC Small Non FI #N/A #N/A
LAC Small Non FSS #N/A #N/A
LAC Small Small Business #N/A #N/A
MENA Large All #N/A #N/A
MENA Large Broad #N/A #N/A
MENA Large FSS #N/A #N/A
MENA Large High end #N/A #N/A
MENA Large High FI #N/A #N/A
MENA Large Low end #N/A #N/A
MENA Large Low FI #N/A #N/A
MENA Large Non FI #N/A #N/A
MENA Large Non FSS #N/A #N/A
MENA Large Small Business #N/A #N/A
MENA Medium All #N/A #N/A
MENA Medium Broad #N/A #N/A
MENA Medium FSS #N/A #N/A
MENA Medium High end #N/A #N/A
MENA Medium High FI #N/A #N/A
MENA Medium Low end #N/A #N/A
MENA Medium Low FI #N/A #N/A
MENA Medium Non FI #N/A #N/A
MENA Medium Non FSS #N/A #N/A
MENA Medium Small Business #N/A #N/A
MENA Small All #N/A #N/A
MENA Small Broad #N/A #N/A
MENA Small FSS #N/A #N/A
MENA Small High end #N/A #N/A
MENA Small High FI #N/A #N/A
MENA Small Low end #N/A #N/A
MENA Small Low FI #N/A #N/A
MENA Small Non FI #N/A #N/A
MENA Small Non FSS #N/A #N/A
MENA Small Small Business #N/A #N/A
Financial Intermediation(Savings/ Total Assets = 0) #N/A #N/A
(Savings/ Total Assets > 0 and < 20%) #N/A #N/A
(Savings/ Total Assets 20%) #N/A #N/A
FI #N/A #N/A
Financial Intermediation #N/A #N/A
High FI #N/A #N/A
Low FI #N/A #N/A
Non FI #N/A #N/A
Lending Methodology (Individual & Solidarity; or Individual, Solidarity & Village Banking) #N/A #N/A
Benchmark data by Methodology #N/A #N/A
Individual #N/A #N/A
Individual/ Solidarity #N/A #N/A
Methodology: #N/A #N/A
Solidarity #N/A #N/A
Village Banking #N/A #N/A
Outreach (Number of Borrowers < 10,000) #N/A #N/A
(Number of Borrowers > 30,000) #N/A #N/A
(Number of Borrowers 10,000 and 30,000) #N/A #N/A
Benchmark data by Outreach & Intermediation #N/A #N/A
Large #N/A #N/A
Large (Outreach) #N/A #N/A
Medium #N/A #N/A
Medium (Outreach) #N/A #N/A
Outreach #N/A #N/A
Small #N/A #N/A
Small (Outreach) #N/A #N/A
Profit Status For Profit #N/A Demi Laba
Not for Profit #N/A #N/A
Profit Status: #N/A #N/A
Region (Eastern Europe & Central Asia) #N/A #N/A
(Latin America & the Caribbean) #N/A #N/A
(Middle East & North Africa) #N/A #N/A
(South & East Asia) #N/A #N/A
(Sub - Saharan Africa) #N/A #N/A
Africa #N/A Afrika
Asia #N/A #N/A
ECA #N/A #N/A
LAC #N/A #N/A
MENA #N/A #N/A
Region: #N/A #N/A
Scale (GLP in USD, LAC < 4,000,000; Others<2,000,000) #N/A #N/A
(GLP in USD, LAC > 15,000,000; Others>8,000,000) #N/A #N/A
(GLP in USD, LAC 4,000,000 and 15,000,000; Others 2,000,000 and 8,000,000) #N/A #N/A
Large (Scale) #N/A #N/A
Medium (Scale) #N/A #N/A
Scale #N/A #N/A
Small (Scale) #N/A #N/A
Sustainability (Financial Self-Sufficiency < 100%) #N/A #N/A
(Financial Self-Sufficiency > 100%) #N/A #N/A
Benchmark data by Sustainability & Profit Status #N/A #N/A
FSS #N/A #N/A
Non-FSS #N/A #N/A
Sustainability: #N/A #N/A
Target Market (Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150) #N/A #N/A
(Avg. Balance per Borrower/ GNI per Capita > 150% and 250%) #N/A #N/A
(Avg. Balance per Borrower/ GNI per Capita > 250%) #N/A #N/A
(Avg. Balance per Borrower/ GNI per Capita 20% and 150%) #N/A #N/A
Benchmark data by Target Market #N/A #N/A
Broad #N/A #N/A
High end #N/A #N/A
Low end #N/A #N/A
Small Business #N/A #N/A
Target Market: #N/A #N/A
Reporting Benchmarks 10th Percentile #N/A #N/A
25th Percentile #N/A #N/A
Adjusted #N/A Disesuaikan
All rights reserved. Terms of Service apply. For more information visit www.themix.org #N/A #N/A
Benchmark Name #N/A #N/A
Comparative Analysis Report #N/A #N/A
Copyright 2007 Microfinance Information eXchange, Inc. (MIX). #N/A #N/A
Count #N/A #N/A
Country: #N/A #N/A
Criteria File Used for Benchmark: #N/A #N/A
Currency Conversion Factor: #N/A #N/A
Currency: #N/A Mata Uang:
Currency? #N/A Mata Uang:
Data Extract File Used / Version: #N/A #N/A
Data Extract Version #N/A #N/A
Data Quality Rating: #N/A #N/A
Date Filed: #N/A #N/A
Date Run: #N/A #N/A
End: #N/A #N/A
Maximum #N/A #N/A
Mean #N/A #N/A
Median #N/A #N/A
MFI Name: #N/A #N/A
MFIs included in this Benchmark: #N/A #N/A
Minimum #N/A #N/A
No Data for this MFI in current Benchmark #N/A #N/A
Peer Category #N/A #N/A
Peer Group #N/A #N/A
Published State: #N/A #N/A
Report for Year: #N/A #N/A
Standard Deviation #N/A #N/A
Start: #N/A #N/A
Statistic Type: #N/A #N/A
Unadjusted #N/A #N/A
Year: #N/A Tahun:
CPR Comparative Analysis #N/A #N/A
Customized Performance Report #N/A #N/A
Customized Performance Reports and MicroBanking Bulletin#N/A #N/A
Using Customized Performance Reports #N/A #N/A
CPR - Graphs Adj. Admin. Exp. Ratio #N/A #N/A
Adj. Financial Exp. Ratio #N/A #N/A
Adj. LLPE Ratio #N/A #N/A
Adj. Number of Borrowers and Gross Loan Portfolio #N/A #N/A
Adj. Personnel Exp. Ratio #N/A #N/A
Adjusted Return on Assets (MFI vs. All Participants) #N/A #N/A
Average Account Balance #N/A #N/A
Breakout of Expenses (MFI vs. Peers) #N/A #N/A
Capital/ Asset Ratio (MFI) #N/A #N/A
Capital/ Asset Ratio (Peer Group) #N/A #N/A
Clients and Services #N/A #N/A
Clients Served #N/A #N/A
Cost per Borrower - USD #N/A #N/A
Cost per Borrower - USD (MFI) #N/A #N/A
Cost per Borrower - USD (Peer Group) #N/A #N/A
Cost Recovery #N/A #N/A
Deconstructing Return on Assets #N/A #N/A
Efficiency and Cost to Client #N/A #N/A
Efficiency and Productivity #N/A Efisiensi dan produktivitas
Efficiency: Two Perspectives #N/A #N/A
Expense Ratios #N/A #N/A
Financial Revenue Ratio and Asset Productivity #N/A #N/A
Financial Revenues and Asset Productivity #N/A #N/A
Financing and Asset Structure #N/A #N/A
Graph Labels #N/A #N/A
Gross Loan Portfolio (MFI) #N/A #N/A
Gross Loan Portfolio (Peer Group) #N/A #N/A
Gross Loan Portfolio/ Total Assets (MFI) #N/A #N/A
Gross Loan Portfolio/ Total Assets (Peer Group) #N/A #N/A
Loan Loss Prov Exp. Ratio #N/A #N/A
Loan Portfolio and Revenues #N/A #N/A
Number of Active Borrowers (MFI) #N/A #N/A
Number of Active Borrowers (Peer Group) #N/A #N/A
Number of Savers and Savings #N/A #N/A
Operating Expense/ Loan Portfolio (MFI) #N/A #N/A
Operating Expense/ Loan Portfolio (Peer Group) #N/A #N/A
Operating Expense/ LP #N/A #N/A
Portfolio at Risk > 30 and 90 days #N/A #N/A
Portfolio at Risk > 30 days (MFI) #N/A #N/A
Portfolio at Risk > 30 days (Peer Group) #N/A #N/A
Portfolio at Risk and Loss #N/A #N/A
Portfolio at Risk and Write-offs #N/A #N/A
Portfolio Quality #N/A Kualitas portfolio
Portfolio Quality and Risk Coverage #N/A #N/A
Portfolio Yield and Asset Utilization #N/A #N/A
Return on Assets and Self-Sufficiency #N/A #N/A
Returns on Assets and Equity #N/A #N/A
Risk Coverage #N/A #N/A
Write-off Ratio (MFI) #N/A #N/A
Write-off Ratio (Peer Group) #N/A #N/A
Yield on Gross Loan Portfolio (MFI) #N/A #N/A
Yield on Gross Loan Portfolio (Peer Group) #N/A #N/A
General "n/a" denotes results for Peer Groups with less than three observations #N/A #N/A
(2006 data) #N/A #N/A
(Click on the link below) #N/A #N/A
* The MBB questionnaire or audited financial statements without additional documentation #N/A #N/A
** The MBB questionnaire plus audited financial statements, annual reports and other independent evaluations #N/A #N/A
*** The information is supported by an in-depth financial analysis conducted by an independent entity in the last three years #N/A #N/A
**MFI data are for the financial year ended #N/A #N/A
*Unadjusted data draw from unadjusted financial statements. Unadjusted loan and borrower information does not include the effect of standardized write-offs. #N/A #N/A
The MicroBanking Bulletin uses the following grading system to classify information received from MFIs: #N/A #N/A
A brief description of the peer groups, their members and the number of MFIs in each peer group classified by the information quality rating assigned to each is provided page 12. Full details are available in The MicroBanking Bulletin. #N/A #N/A
About #N/A #N/A
About MIX #N/A #N/A
ACRONYM #N/A #N/A
Adjusted #N/A Disesuaikan
Adjusted and Reclassified Financial Statements #N/A #N/A
Adjustment Summary Page #N/A #N/A
Analyzing Performance #N/A #N/A
Back Cover #N/A #N/A
Benchmark Data #N/A #N/A
Benchmark data by Region #N/A #N/A
Benchmarks #N/A #N/A
Country #N/A
Currency: #N/A Mata Uang:
Data Quality #N/A #N/A
Data Quality Grade: #N/A Tingkat Kualitas Data:
Definitions #N/A #N/A
Fax: +1 (202) 659 9095 #N/A #N/A
Financial Term Definitions #N/A #N/A
For definitions of Peer Groups, refer to the Peer Group Classification section of this file #N/A #N/A
For details on indicator definitions, refer to the Indicator Definitions section of this file #N/A #N/A
Indicator Definitions #N/A #N/A
Indicators #N/A #N/A
Interpreting Indicators #N/A #N/A
Language #N/A Bahasa
Maximum #N/A #N/A
Median #N/A #N/A
MFI #N/A #N/A
MicroBanking Bulletin and Performance Benchmarks #N/A #N/A
MIX MicroBanking Bulletin: 2009 Benchmarks #N/A #N/A
Minimum #N/A #N/A
MIX cannot be held responsible for the validity of the information presented here. #N/A #N/A
Name #N/A Nama
Neither the Editorial Staff, nor the Advisory and Review Panel, nor the MIX can be held responsible for the validity of the information presented here. #N/A #N/A
No #N/A
Notes to Adjustments and Data Quality #N/A #N/A
Notes to Adjustments and Peer Groups #N/A #N/A
Number #N/A #N/A
Page #N/A #N/A
Peer Group Classifications #N/A #N/A
Peer Group Criteria and Information Quality #N/A #N/A
PG #N/A #N/A
Standard Deviation #N/A #N/A
Summary of Adjustments #N/A #N/A
Table of Contents #N/A #N/A
Tables #N/A #N/A
Tel: +1 (202) 659 9094 #N/A #N/A
This document were produced with the help of: #N/A #N/A
Unadjusted* #N/A Rekening-rekening yang Tidak Mengalami Penyesuaian
US Dollar #N/A Dolar US
Users Manual #N/A #N/A
Values #N/A #N/A
web site: www.themix.org #N/A #N/A
Year #N/A Tahun
Year: #N/A Tahun:
Yes Ya
Graphs Adj. Admin. Exp. Ratio #N/A #N/A
Adj. Financial Exp. Ratio #N/A #N/A
Adj. LLPE Ratio #N/A #N/A
Adj. Number of Borrowers and Gross Loan Portfolio #N/A #N/A
Adj. Personnel Exp. Ratio #N/A #N/A
Adjusted Return on Assets (MFI vs. All Participants) #N/A #N/A
Average Account Balance #N/A #N/A
Breakout of Expenses (MFI vs. Peers) #N/A #N/A
Capital/ Asset Ratio (MFI) #N/A #N/A
Capital/ Asset Ratio (Peer Group) #N/A #N/A
Clients and Services #N/A #N/A
Clients Served #N/A #N/A
Cost per Borrower - USD #N/A #N/A
Cost per Borrower - USD (MFI) #N/A #N/A
Cost per Borrower - USD (Peer Group) #N/A #N/A
Cost Recovery #N/A #N/A
Deconstructing Return on Assets #N/A #N/A
Efficiency and Cost to Client #N/A #N/A
Efficiency and Productivity #N/A Efisiensi dan produktivitas
Efficiency: Two Perspectives #N/A #N/A
Expense Ratios #N/A #N/A
Financial Management #N/A #N/A
Financial Revenue Ratio and Asset Productivity #N/A #N/A
Financial Revenues and Asset Productivity #N/A #N/A
Financing and Asset Structure #N/A #N/A
Graph Labels #N/A #N/A
Gross Loan Portfolio (MFI) #N/A #N/A
Gross Loan Portfolio (Peer Group) #N/A #N/A
Gross Loan Portfolio/ Total Assets (MFI) #N/A #N/A
Gross Loan Portfolio/ Total Assets (Peer Group) #N/A #N/A
Loan Loss Prov Exp. Ratio #N/A #N/A
Loan Portfolio and Revenues #N/A #N/A
Middle 50% #N/A #N/A
Number of Active Borrowers (MFI) #N/A #N/A
Number of Active Borrowers (Peer Group) #N/A #N/A
Number of Savers and Savings #N/A #N/A
Operating Expense/ Loan Portfolio (MFI) #N/A #N/A
Operating Expense/ Loan Portfolio (Peer Group) #N/A #N/A
Operating Expense/ LP #N/A #N/A
Portfolio at Risk > 30 and 90 days #N/A #N/A
Returns #N/A #N/A
Scale and Outreach #N/A #N/A
Sustainability and Profitability #N/A #N/A
Peer Groups [These names are held confidential] #N/A #N/A
All MFIs #N/A #N/A
DATA QUALITY #N/A #N/A
Participating Institutions #N/A #N/A
SIMPLE PEER GROUPS #N/A #N/A
PTR Key Performance Trends #N/A #N/A
Performance Trend Analysis #N/A #N/A
Performance Trends #N/A #N/A
Trends #N/A #N/A
Using Institutional Trend Report #N/A #N/A
User Reference An MFIs financial activities generate a variety of expense, from funding its asset base and general operating expenses, to provisioning for potential loss from default. Expense indicators measure the relative importance of different expense categories i #N/A #N/A
Analysts use ratios and other indicators in interpreting the performance of an MFI. Indicators show either simple information on an institution (such as its age) or a relationship between two or more pieces of information (such as borrowers and the numbe #N/A #N/A
As MFIs increase in scale and outreach, they reach more clients with more products. Indicators of scale measure the size of services to microfinance clients, whether loans or deposits. Outreach indicators report on the number and types of clients reache #N/A #N/A
Efficient institutions generate minimal costs in delivering services. It should strive to reduce such costs through scale or use of effective technologies. Efficiency indicators measure the level of expenses incurred to deliver financial services, such #N/A #N/A
For an overview of this year's performance benchmarks, click on the "Benchmark Highlights" tab below. #N/A #N/A
Getting Started #N/A #N/A
Income reporting has also been adjusted for most MFIs to show real profits without the presence of subsidies. Adjustment for subsidies to the cost of funds is the most common adjustment made to results of MFIs participating in this round. We add an addit #N/A #N/A
Lastly, we standardize loan loss provisioning and write off policies. We provision for 50% of the outstanding balance of loans that are past-due more than 90 days but less than 180 days or are rescheduled, and 100% of the balance of overdue loans over 18 #N/A #N/A
MFIs earn most revenues from their loan portfolio. As MFIs diversify services, fees from transfers, payments and insurance services will provide new revenue streams. Revenue metrics look at financial revenue on the loan portfolio, as well as on the tota #N/A #N/A
MFIs finance their activities with a variety of funding sources. Measures of financial management describe these sources of capital, whether debt or equity, and compare them to the resources purchased with that funding. They also indicate how much an in #N/A #N/A
MFIs that submit data for the MicroBanking Bulletin receive a free Customized Performance Report. The MicroBanking Bulletin (MBB) is one of the principal outputs of the MIX. The MBB is intended to improve financial performance of microfinance institutio #N/A #N/A
MFIs, like all financial institutions, face a number of risks in their business. First among these risks includes credit risk, the chance that a borrower will not repay a loan. As the portfolio is the MFIs most important asset, such risk directly impac #N/A #N/A
MIX analysis is based on comparison among peer groups of like institutions, classified using criteria such as program size, poverty level of the target group, region and level of financial intermediation. The financial results we generate are adjusted to #N/A #N/A
No one indicator will summarize all aspects of an institutions performance. As such, indicators must be used together in performance analysis. The indicators in this report touch on different aspects of that performance. Unless otherwise noted, all i #N/A #N/A
Peer groups set the context for comparative analysis. The following pages explain the different categories used to group like institutions. By viewing an organization in comparison to these peers, an analyst can see the performance of one institution re #N/A #N/A
Productive institutions maximize services with minimal resources. Productivity indicators present measures of how effectively human resources are leveraged to serve MFI clients. Such indicators are dependent on an institution's technology and type and v #N/A #N/A
Profitable and sustainable institutions earn positive returns on their operations. In microfinance, this means that an institution earns a positive net income without depending on donor support. To account for institutional scale, these returns are comp #N/A #N/A
The Bulletin classifies information from participating institutions according to the degree to which we have independent verification of its reliability. Information with *** has been independently generated through a detailed financial analysis by an ind #N/A #N/A
The information included in the peer group averages is not independently verified. It is self-reported data voluntarily submitted by institutions like yours. We have represented our comfort level with the data provided for each peer group with a Data Qu #N/A #N/A
The MicroBanking Bulletin (MBB) is one of the principal publications of MIX. The MBB is intended to improve financial performance of microfinance institutions (MFIs) through the publication and dissemination of the industrys financial and operational r #N/A #N/A
The Microfinance Information Exchange, Inc. is a non-profit company dedicated to improving the information infrastructure of the microfinance industry in developing countries, by promoting standards of financial and operational reporting, offering readily #N/A #N/A
The MIX prepared this Customized Performance Report on the basis of information provided by your institution and other participating MFIs. This report provides managers and directors a tool with which to understand their institution's performance, standa #N/A #N/A
This report will guide you through the MIX's benchmarking analysis of your institution. Each subsequent section reveals more of the underlying data and processes involved in the analysis. Read further to learn more. The comparative analysis, for exampl #N/A #N/A
This spreadsheet contains benchmark data on the performance of microfinance institutions around the globe. These benchmarks are the results for groups of institutions -- peer groups -- sharing common characteristics, such as region of operation or size. #N/A #N/A
We have adjusted the cost of funds on income statements for all MFIs to take into account the effect of inflation on an institutions equity over time. This adjustment takes the form of a net expense account on the income statement, reducing reported net #N/A #N/A
Returns #N/A #N/A
Scale and Outreach #N/A #N/A
Sustainability and Profitability #N/A #N/A
Peer Groups [These names are held confidential] #N/A #N/A
All MFIs #N/A #N/A
DATA QUALITY #N/A #N/A
Participating Institutions #N/A #N/A
SIMPLE PEER GROUPS #N/A #N/A
PTR Key Performance Trends #N/A #N/A
Performance Trend Analysis #N/A #N/A
Performance Trends #N/A #N/A
Trends #N/A #N/A
Using Institutional Trend Report #N/A #N/A
User Reference An MFIs financial activities generate a variety of expense, from funding its asset base and general operating expenses, to provisioning for potential loss from default. Expense indicators measure the relative importance of different expense categories i #N/A #N/A
Analysts use ratios and other indicators in interpreting the performance of an MFI. Indicators show either simple information on an institution (such as its age) or a relationship between two or more pieces of information (such as borrowers and the numbe #N/A #N/A
As MFIs increase in scale and outreach, they reach more clients with more products. Indicators of scale measure the size of services to microfinance clients, whether loans or deposits. Outreach indicators report on the number and types of clients reache #N/A #N/A
Efficient institutions generate minimal costs in delivering services. It should strive to reduce such costs through scale or use of effective technologies. Efficiency indicators measure the level of expenses incurred to deliver financial services, such #N/A #N/A
For an overview of this year's performance benchmarks, click on the "Benchmark Highlights" tab below. #N/A #N/A
Getting Started #N/A #N/A
Income reporting has also been adjusted for most MFIs to show real profits without the presence of subsidies. Adjustment for subsidies to the cost of funds is the most common adjustment made to results of MFIs participating in this round. We add an addit #N/A #N/A
Lastly, we standardize loan loss provisioning and write off policies. We provision for 50% of the outstanding balance of loans that are past-due more than 90 days but less than 180 days or are rescheduled, and 100% of the balance of overdue loans over 18 #N/A #N/A
MFIs earn most revenues from their loan portfolio. As MFIs diversify services, fees from transfers, payments and insurance services will provide new revenue streams. Revenue metrics look at financial revenue on the loan portfolio, as well as on the tota #N/A #N/A
MFIs finance their activities with a variety of funding sources. Measures of financial management describe these sources of capital, whether debt or equity, and compare them to the resources purchased with that funding. They also indicate how much an in #N/A #N/A
MFIs that submit data for the MicroBanking Bulletin receive a free Customized Performance Report. The MicroBanking Bulletin (MBB) is one of the principal outputs of the MIX. The MBB is intended to improve financial performance of microfinance institutio #N/A #N/A
MFIs, like all financial institutions, face a number of risks in their business. First among these risks includes credit risk, the chance that a borrower will not repay a loan. As the portfolio is the MFIs most important asset, such risk directly impac #N/A #N/A
MIX analysis is based on comparison among peer groups of like institutions, classified using criteria such as program size, poverty level of the target group, region and level of financial intermediation. The financial results we generate are adjusted to #N/A #N/A
No one indicator will summarize all aspects of an institutions performance. As such, indicators must be used together in performance analysis. The indicators in this report touch on different aspects of that performance. Unless otherwise noted, all i #N/A #N/A
Peer groups set the context for comparative analysis. The following pages explain the different categories used to group like institutions. By viewing an organization in comparison to these peers, an analyst can see the performance of one institution re #N/A #N/A
Productive institutions maximize services with minimal resources. Productivity indicators present measures of how effectively human resources are leveraged to serve MFI clients. Such indicators are dependent on an institution's technology and type and v #N/A #N/A
Profitable and sustainable institutions earn positive returns on their operations. In microfinance, this means that an institution earns a positive net income without depending on donor support. To account for institutional scale, these returns are comp #N/A #N/A
The Bulletin classifies information from participating institutions according to the degree to which we have independent verification of its reliability. Information with *** has been independently generated through a detailed financial analysis by an ind #N/A #N/A
The information included in the peer group averages is not independently verified. It is self-reported data voluntarily submitted by institutions like yours. We have represented our comfort level with the data provided for each peer group with a Data Qu #N/A #N/A
The MicroBanking Bulletin (MBB) is one of the principal publications of MIX. The MBB is intended to improve financial performance of microfinance institutions (MFIs) through the publication and dissemination of the industrys financial and operational r #N/A #N/A
The Microfinance Information Exchange, Inc. is a non-profit company dedicated to improving the information infrastructure of the microfinance industry in developing countries, by promoting standards of financial and operational reporting, offering readily #N/A #N/A
The MIX prepared this Customized Performance Report on the basis of information provided by your institution and other participating MFIs. This report provides managers and directors a tool with which to understand their institution's performance, standa #N/A #N/A
This report will guide you through the MIX's benchmarking analysis of your institution. Each subsequent section reveals more of the underlying data and processes involved in the analysis. Read further to learn more. The comparative analysis, for exampl #N/A #N/A
This spreadsheet contains benchmark data on the performance of microfinance institutions around the globe. These benchmarks are the results for groups of institutions -- peer groups -- sharing common characteristics, such as region of operation or size. #N/A #N/A
We have adjusted the cost of funds on income statements for all MFIs to take into account the effect of inflation on an institutions equity over time. This adjustment takes the form of a net expense account on the income statement, reducing reported net #N/A #N/A
Grand Total
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365
365
180-365
91-180
180-365
90-180
180-365
91-180
60
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MFIITBDS
#N/A
/
/
/
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/
/
/
/
/
/
/
/
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-/
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++/
/
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/+ +
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+/
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MFI
/
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/
/
/
/
/
/
/
/
/
-)/(1+
/
/
/

>30
>90
-/
/
/PAR>30
/
>30+/
>90+/
/
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8
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58
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/ 20%
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< 10000
> 30000
10,000 30,000
#N/A
LAC < 4,000,000; < 2,000,000

LAC > 15,000,000; > 8,000,000
4,000,000 LAC 15,000,000; 2,000,000 8,000,000

< 100%
> 100%
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150% < / 250%
/ > 250%
20% / 150%
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French Spanish Russian Portuguese
Encours brut de prts, ajust Cartera de Prstamos Ajustada #N/A
Provisions pour prts irrcouvrables, ajustes Reserva para Prstamos Incobrables, Ajustada #N/A
Encours net de prts, ajust Cartera Neta, Ajustada #N/A
Nombre de prts en cours, ajust N de Prstamos Vigentes Ajustado #N/A
Dot. aux prov. pour prts irrcouv., ajuste Provisin para Incobrables, Ajustada #N/A
Ajustement Ajuste #N/A
Rsum des ajustements #N/A #N/A
Ajustements Ajustes Ajustes
Appliqu: Aplicado: : #N/A
Total des emprunts, exercice prcdent Balance de Obligaciones del Ao Anterior #N/A
Total des emprunts, exercice en cours Balance de Obligaciones del Ao Actual #N/A
Moyenne des emprunts, exercice en cours Balance Promedio de Obligaciones por el Ao #N/A
Catgorie de subventions Categora de Donacin #N/A
Valeur de l'ajust. pour cots de fin. subv Ajuste al Coste de Fondos #N/A
Cots des financements au taux commercial Coste de Fondos a Tasas Comerciales #N/A
Diffrence, Encours net de prts ajust et non-ajust Diferencia, Cartera Bruta Ajustada y no Ajustada - #N/A
Fonds propres, exercice prcdent Patrimonio del Ao Anterior #N/A
AJUSTEMENT POUR SUBV. EN NATURE AJUSTE POR SUBSIDIOS EN ESPECIE #N/A
AJUSTEMENT POUR L'INFLATION AJUSTE POR INFLACIN #N/A
Charges sur l'ajustement pour l'inflation Gasto, Ajuste por Inflacin #N/A
Produits sur l'ajustement pour l'inflation Ingreso, Ajuste por la Inflacin #N/A
Intrts verss et frais sur emprunts Inters y Comisiones Pagados por Obligaciones #N/A
AJUST. POUR PROV. POUR PRTS IRRCOUV. AJUSTE PROV. CRDITOS INCOBRABLES ndice de Prov.de Perda sobre Emp.
AJUST. POUR PROV. POUR PRTS IRRCOUV. AJUSTE PROV. CRDITOS INCOBRABLES #N/A
Taux d'intrt commercial local Tasa de Inters Comercial Local #N/A
Valeur minimale ajuste des provisions pour prts irrcouvrables Reserva mnima para Prstamos Incobrables, Ajustada #N/A
Immobilisations, exercice prcdent Activo Fijo del Ao Anterior #N/A
Nombre de prts > 365 jours N de Prstamos > 365 das > 365 #N/A
Matriels et fournitures de bureau Suministros de la Oficina #N/A
Autres Otros Outro
Portefeuille risque plus de 365 jours Crditos en Riesgo > 365 das >365 #N/A
Portefeuille risque de 181 365 jours Prstamos Atrasados 180-360 das 180-365 #N/A
Portefeuille risque de 91 180 jours Prstamos en Riesgo 90-180 das 91-180 #N/A
Coefficient pour provision, PAR 180-365 jours Factor de Provisin, Atrasados 180-360 das , PAR > 180-365 #N/A
Coefficient pour provision PAR 91-180 jours Factor de Provisin, Atrasados 90-180 das , PAR > 91-180 #N/A
Coefficient pour provision, prts rengocis Factor de Provisin, Prstamos Refinanciados , #N/A
Ensemble des prts rengocis Prstamos Vigentes Refinanciados #N/A
Loyer et charges Arriendo y Servicios Pblicos #N/A
Provision pour PAR 180-365 jours Reserva para Prstamos, Atrasados 180-360 das , PAR > 180-365 #N/A
Provision pour PAR 91-180 jours Reserva para Prstamos, Atrasados 90-180 das , PAR > 91-180 #N/A
Provision pour prts rengocis Reserva para Prstamos Refinanciados , #N/A
Valeur indique Valor Indicado #N/A
Total Total TOTAL
Transport Transporte Transporte
Encours brut de prts, non-ajust Cartera Bruta de Prstamos no Ajustada #N/A
Provisions pour prts irrcouvrables, non-ajustes Reserva para Prstamos Incobrables, no Ajustada #N/A
Encours net de prts, non-ajust Cartera Neta, no Ajustada #N/A
Dot. aux prov. pour prts irrcouv., non-ajuste Provisin para Incobrables, Neta no Ajustada #N/A
AJUST. POUR LA RADIATION DES PRTS AJUSTE POR PRSTAMOS CASTIGADOS #N/A
Effet: Augmente les ch. d'exploitations, diminue le rsultat oprationnel et le rsultat net. Efecto: Aumenta la cuenta Total Gastos Operacionales, disminuye la cuenta Resultado de Operacin. : , , . #N/A
Effet: Diminue l'encours net de prts et augmente la dot. aux prov. pour prts irrcouvrables si la prov. pour prts irrcouvrables est insuffisante pour couvrir les ajustements pour provision et pour radiation des prts. Efecto: Disminuye la Cartera neta y aumenta la Provisin para incobrables si la Reserva para Prestamos Incobrables no es suficiente para cubrir el ajuste de la provisin y el castigo. : , . #N/A
Effet: Diminue le rsultat oprationnel et le rsultat net. Efecto: Disminuye el Resultado de Operacin Neto, Resultado Neto. : , . #N/A
Effet: Autre compte de fonds propres, compensant le changement du rsultat net Efecto: Otra cuenta de Patrimonio que compensa el cambio en Resultado Neto. : , #N/A
Effet: Augmente les ch. financires, diminuant le rsultat oprationnel et le rsultat net Efecto: Aumenta el Gasto Financiero, disminuye el Resultado Operacional, Resultado Neto. : , , . #N/A
Effet: Augmente les ch. financires, diminuant le rsultat oprationnel et le rsultat net (NB: si les immobilisations sont suprieures aux fonds propres, les ch. financires diminuent, augmentant le rsultat oprationnel et le rsultat net). Efecto: Aumenta la cuenta Gasto Financiero, y disminuye el Resultado de Operacin. (Nota: Si los activos Fijos son mayores que Patrimonio, el Gasto Financiero disminuir y el Resultado Neto aumentar). : , , (: , , , ). #N/A
Effet: Augmente les immobilisations et l'actif total Efecto: Aumenta las cuentas Activos Fijos y Total del Activo. : , . #N/A
FMI, Statistiques Financires Internationales, ligne 64L FMI, Estadsticas Financieras Internacionales, lnea 60L. , , 60L #N/A
FMI, Statistiques Financires Internationales, ligne 64x FMI, Estadsticas Financieras Internacionales, lnea 64x. , , 64x #N/A
Cette IMF tient compte de l'inflation et retraite les chiffres ports aux tats financiers. Esta IMF utiliza contabilidad ajustada por inflacin .: #N/A
Afghanistan Afganistn #N/A Afeganisto
Albanie Albania #N/A Albnia
Algrie Argelia #N/A Arglia
Samoa amricaines Samoa Americana #N/A Samoa Americana
Andorre Andorra #N/A Andorra
Angola Angola #N/A Angola
Anguilla Anguilla #N/A Anguila
Antarctique Antrtida #N/A Antrctida
Antigua-et-Barbuda Antigua y Barbuda #N/A Antgua e Barbuda
Argentine Argentina #N/A Argentina
Armnie Armenia #N/A Armnia
Aruba Aruba #N/A Aruba
Australie Australia #N/A Austrlia
Autriche Austria #N/A ustria
Azerbadjan Azerbaiyn #N/A Azerbaijo
Bahamas Bahamas #N/A Baamas
Bahren Bahrein #N/A Barm
Bangladesh Bangladesh #N/A Bangladeche
Barbade (la) Barbados #N/A Barbados
Bilorussie Bielorrusia #N/A Bielorrssia
Belgique Blgica #N/A Blgica
Belize Belice #N/A Belize
Bnin Benin #N/A Benim
Bermudes Bermudas #N/A Bermudas
Bhoutan Butn #N/A Buto
Bolivie Bolivia #N/A Bolvia
Bosnie et Herzgovine Bosnia y Herzegovina #N/A Bsnia e Herzegovina
Botswana Botswana #N/A Botsuana
les Bouvet Isla Bouvet #N/A Ilha Bouvet
Brsil Brasil #N/A Brasil
Territoires Britanniques de l'ocan Indien Territorios britnicos del ocano ndico #N/A Territrio Britnico do Oceano ndico
Brunei Brunei #N/A Brunei
Bulgarie Bulgaria #N/A Bulgria
Burkina-Faso Burkina Faso #N/A Burquina Faso
Burundi Burundi #N/A Burndi
Cambodge Camboya #N/A Camboja
Cameroun Camern #N/A Camares
Canada Canad #N/A Canad
Cap-Vert Cabo Verde #N/A Cabo Verde
les Camans Islas Caimn #N/A Ilhas Caimo
Rpublique Centrafricaine Repblica Centroafricana #N/A Repblica Centro-Africana
Tchad Chad #N/A Chade
Chili Chile #N/A Chile
Chine China #N/A China
le Christmas Isla de Christmas #N/A Ilha do Natal
les Cocos-Keeling Islas de Cocos o Keeling #N/A Ilhas dos Cocos
Colombie Colombia #N/A Colmbia
Comores Comores #N/A Comores
Congo Congo #N/A Congo-Brazzaville
Congo, Rpublique du Congo, Repblica Democrtica del #N/A Congo-Kinshasa
les Cook Islas Cook #N/A Ilhas Cook
Costa Rica Costa Rica #N/A Costa Rica
Cte D'Ivoire Costa de Marfl #N/A Costa do Marfim
Croatie Croacia (Hrvatska) #N/A Crocia
Cuba Cuba #N/A Cuba
Chypre Chipre #N/A Chipre
Rpublique tchque Repblica Checa #N/A Repblica Checa
Danemark Dinamarca #N/A Dinamarca
Djibouti Djibouti #N/A Jibuti
Dominique (la)Dominica #N/A Domnica
Rpublique Dominicaine Repblica Dominicana #N/A Repblica Dominicana
Timor oriental (partie orientale) Timor Oriental #N/A Timor-Leste
quateur (Rpublique de l') Ecuador #N/A Equador
gypte Egipto #N/A Egipto
Salvador El Salvador #N/A Salvador
Guine quatoriale Guinea Ecuatorial #N/A Guin Equatorial
rythre Eritrea #N/A Eritreia
Estonie Estonia #N/A Estnia
thiopie Etiopa #N/A Etipia
les MalouinesIslas Malvinas #N/A Ilhas Falkland
les Fro Islas Faroe #N/A Faro
Fidji Fiji #N/A Fiji
Finlande Finlandia #N/A Finlndia
France Francia #N/A Frana
Guyane franaise Guayana Francesa #N/A Guiana Francesa
Polynsie franaise (DOM-TOM) Polinesia Francesa #N/A Polinsia Francesa
Terres Australes franaises (DOM-TOM) Territorios franceses del Sur #N/A Territrios Austrais Franceses
Gabon Gabn #N/A Gabo
Gambie Gambia #N/A Gmbia
Gorgie Georgia #N/A Gergia
Allemagne Alemania #N/A Alemanha
Ghana Ghana #N/A Gana
Gibraltar Gibraltar #N/A Gibraltar
Grce Grecia #N/A Grcia
Groenland Groenlandia #N/A Gronelndia
Grenade Granada #N/A Granada
Guadeloupe (France DOM-TOM) Guadalupe #N/A Guadalupe
Guam Guam #N/A Guame
Guatemala Guatemala #N/A Guatemala
Guine Guinea #N/A Guin
Guine-BissauGuinea-Bissau #N/A Guin-Bissau
Guyane Guayana #N/A Guiana
Hati Hait #N/A Haiti
les Heard et Mc Donald Islas Heard y McDonald #N/A Ilhas Heard e McDonald
Honduras (le) Honduras #N/A Honduras
Hong Kong, Rgion administrative spciale Hong Kong, ZAE de la RPC #N/A Hong Kong
Hongrie Hungra #N/A Hungria
Islande Islandia #N/A Islndia
Inde India #N/A ndia
Indonsie Indonesia #N/A Indonsia
Iran Irn #N/A Iro
Irak Irak #N/A Iraque
Irlande Irlanda #N/A Irlanda
Isral Israel #N/A Israel
Italie Italia #N/A Itlia
Jamaque Jamaica #N/A Jamaica
Japon Japn #N/A Japo
Jordanie Jordania #N/A Jordnia
Kazakhstan Kazajistn #N/A Cazaquisto
Kenya Kenia #N/A Qunia
Kiribati Kiribati #N/A Quiribti
Core Corea #N/A Coreia do Sul
Core du NordCorea del Norte #N/A Coreia do Norte
Kosovo Kosovo #N/A Kosovo
Kowet Kuwait #N/A Kuwait
Kirghizistan Kirguizistn #N/A Quirguizisto
Rpublique dmocratique populaire du Laos Laos #N/A Laos
Lettonie Letonia #N/A Letnia
Liban Lbano #N/A Lbano
Lesotho Lesotho #N/A Lesoto
Liberia Liberia #N/A Libria
Jamahiriya arabe libyenne (Lybie) Libia #N/A Lbia
Liechtenstein Liechtenstein #N/A Listenstaine
Lituanie Lituania #N/A Litunia
Luxembourg Luxemburgo #N/A Luxemburgo
Macao Macao #N/A Macau
Macdoine, Ex-Rpublique yougoslave de Macedonia, Ex-Repblica Yugoslava de #N/A Macednia
Madagascar Madagascar #N/A Madagscar
Malawi Malawi #N/A Malvi
Malaisie Malasia #N/A Malsia
Maldives Maldivas #N/A Maldivas
Mali Mal #N/A Mali
Malte Malta #N/A Malta
les Marshall Islas Marshall #N/A Ilhas Marshall
Martinique (France DOM-TOM) Martinica #N/A Martinica
Mauritanie Mauritania #N/A Mauritnia
le Maurice Mauricio #N/A Maurcia
Mayotte Mayotte #N/A Mayotte
Mexique Mxico #N/A Mxico
Micronsie Micronesia #N/A Micronsia
Moldavie Moldavia #N/A Moldvia
Monaco Mnaco #N/A Mnaco
Mongolie Mongolia #N/A Monglia
Montenegro #N/A #N/A Montenegro
Montserrat Montserrat #N/A Monserrate
Maroc Marruecos #N/A Marrocos
Mozambique Mozambique #N/A Moambique
Myanmar (Union de) Birmania #N/A Birmnia
Namibie Namibia #N/A Nambia
Nauru (Rpublique de) Nauru #N/A Nauru
Npal Nepal #N/A Nepal
Antilles nerlandaises Antillas Holandesas #N/A Antilhas Neerlandesas
Pays-Bas Pases Bajos #N/A Pases Baixos
Nouvelle Caldonie Nueva Caledonia #N/A Nova Calednia
Nouvelle Zlande Nueva Zelanda #N/A Nova Zelndia
Nicaragua Nicaragua #N/A Nicargua
Niger Nger #N/A Nger
Nigria Nigeria #N/A Nigria
Niue Niue #N/A Niue
le de Norfolk Norfolk #N/A Ilha Norfolk
Mariannes du Nord (les du Commonwealth) Islas Marianas del Norte #N/A Marianas do Norte
Norvge Noruega #N/A Noruega
Oman Omn #N/A Om
Pakistan Paquistn #N/A Paquisto
Palau Islas Palau #N/A Palau
Palestine Palestine #N/A Palestina
Panama Panam #N/A Panam
Papouasie Nouvelle-Guine Papa Nueva Guinea #N/A Papua-Nova Guin
Paraguay Paraguay #N/A Paraguai
Prou Per #N/A Peru
Philippines Filipinas #N/A Filipinas
Pitcairn (les) Pitcairn #N/A Pitcairn
Pologne Polonia #N/A Polnia
Portugal Portugal #N/A Portugal
Porto Rico Puerto Rico #N/A Porto Rico
Qatar Qatar #N/A Catar
Runion (le de la) Reunin #N/A Reunio
Roumanie Rumania #N/A Romnia
Fdration de Russie Rusia #N/A Rssia
Rwanda Ruanda #N/A Ruanda
Sainte HlneSanta Helena #N/A Santa Helena
St Christopher et Nevis (les) Saint Kitts y Nevis #N/A So Cristvo e Neves
Saint-Lucie Santa Luca #N/A Santa Lcia
Saint-Pierre-et-Miquelon (France DOM-TOM) St. Pierre y Miquelon #N/A So Pedro e Miquelon
Saint-Vincent et les Grenadines San Vicente y Granadinas #N/A So Vicente e Granadinas
Samoa Samoa #N/A Samoa
Saint-Marin San Marino #N/A So Marinho
So Tom et Prince Santo Tom y Prncipe #N/A So Tom e Prncipe
Arabie Saoudite Arabia Saud #N/A Arbia Saudita
Sngal Senegal #N/A Senegal
Serbie et Montenegro Serbia and Montenegro #N/A Serbia e Montenegro
Seychelles Seychelles #N/A Seicheles
Sierra Leone Sierra Leona #N/A Serra Leoa
Singapour Singapur #N/A Singapura
Slovaquie Repblica Eslovaca #N/A Eslovquia
Slovnie Eslovenia #N/A Eslovnia
les Salomon Islas Salomn #N/A Ilhas Salomo
Somalie Somalia #N/A Somlia
Afrique du SudRepblica de Sudfrica #N/A frica do Sul
Gorgie du Sud et Sandwich du Sud (Ies) Georgia del Sur y las islas Sandwich del Sur #N/A Gergia do Sul e Sandwich do Sul
Espagne Espaa #N/A Espanha
Sri Lanka Sri Lanka #N/A Sri Lanca
Soudan Sudn #N/A Sudo
Suriname Surinam #N/A Suriname
le Svalbard et Jan Mayen Islas Svalbard y Jan Mayen #N/A Svalbard e Jan Mayen
Swaziland Suazilandia #N/A Suazilndia
Sude Suecia #N/A Sucia
Suisse Suiza #N/A Sua
Rpublique arabe syrienne Siria #N/A Sria
Taiwan Taiwn #N/A Taiwan
Tajikistan Tayikistn #N/A Tajiquisto
Tanzanie Tanzania #N/A Tanznia
Thalande Tailandia #N/A Tailndia
Togo Togo #N/A Togo
les Tokelau Islas Tokelau #N/A Tokelau
Tonga Tonga #N/A Tonga
Trinit-et-Tobago Trinidad y Tobago #N/A Trindade e Tobago
Tunisie Tnez #N/A Tunsia
Turquie Turqua #N/A Turquia
Turkmnistan Turkmenistn #N/A Turquemenisto
les Turks et Cacos Islas Turks y Caicos #N/A Ilhas Turcas e Caicos
Tuvalu (les) Tuvalu #N/A Tuvalu
Ouganda Uganda #N/A Uganda
Ukraine Ucrania #N/A Ucrnia
mirats Arabes Unis Emiratos rabes Unidos #N/A Emiratos rabes Unidos
Royaume-Uni Reino Unido #N/A Reino Unido
tats-Unis Estados Unidos #N/A Estados Unidos
Dpendances amricaines du Pacifique Islas menores de Estados Unidos #N/A Ilhas Menores Distantes dos Estados Unidos
Uruguay Uruguay #N/A Uruguai
Ouzbkistn Uzbekistn #N/A Usbequisto
Vanuatu (Rpublique de) Vanuatu #N/A Vanuatu
tat de la cit du Vatican Ciudad del Vaticano (Santa Sede) #N/A Vaticano
Venezuela Venezuela #N/A Venezuela
Vietnam Vietnam #N/A Vietname
les Vierges britanniques Islas Vrgenes (Reino Unido) #N/A Ilhas Virgens Britnicas
les Vierges amricaines Islas Vrgenes (EE.UU.) #N/A Ilhas Virgens Americanas
Wallis et Futuna Islas Wallis y Futuna #N/A Wallis e Futuna
Ymen Yemen #N/A Imen
Yougoslavie Yugoslavia #N/A Srvia e Montenegro
Zambie Zambia #N/A Zmbia
Zimbabwe Zimbabue #N/A Zimbabu
Afghanistan - Afghani Afghanistn - Afghani #N/A #N/A
Albanie - Lek Albania - Lek #N/A Lek
Algrie - DinarArgelia - Dinar #N/A Dinar Argelino
Andorra - Franc Andorra - Franco #N/A Franco de Andorra
Andorra - Peseta Andorra - Peseta #N/A Peseta de Andorra
Angola - Kwanza Angola - Kwanza #N/A Kwanza Novo
Argentine - Peso Argentina - Peso #N/A Peso Argentino
#N/A #N/A #N/A Dram
Aruba - Florin Aruba - Florn #N/A Florim De Aruba
Australie - Dollar Australia - Dlar #N/A Dlar Australiano
Autriche - Shilling Austria - Cheln #N/A Schilling Austriano
#N/A #N/A #N/A Manat Azerbaijans
Bahamas - Dollar Bahamas - Dlar #N/A Dlar Das Baamas
Bahren - Dinar Bahrin - Dinar #N/A Dinar Do Barm
Bangladesh - Taka Bangladesh - Taka #N/A Taka
Barbade - Dollar Barbados - Dlar #N/A Dlar De Barbados
Rouble Bilorusse #N/A #N/A Rublo Bielorrusso
Rouble Bilorusse Belarus Rubl #N/A Rublo Bielorrusso
Belgique - Franc Blgica - Franco #N/A Franco Belga
Belize - DollarBelice - Dlar #N/A Dlar Do Belize
Bermudes - Dollar Bermudas - Dlar #N/A Dlar Das Bermudas
Bhoutan - Ngultrum Butn - Ngultrum #N/A Ngultrum
Bolivie - Boliviano Bolivia - Boliviano #N/A Boliviano
#N/A #N/A #N/A Marco Bsnio-Herzegovino Convertvel
Botswana - Pula Botsuana - Pula #N/A Pula
Brsil - Real Brasil - Real #N/A Real
Royaume Uni - Livre Inglaterra - Libra #N/A Libra Esterlina
Brune - DollarBruni - Dlar #N/A Dlar Do Brunei
Bulgarie - LevBulgaria - Lev #N/A Lev Do Bulgria
Burundi - Franc Burundi - Franc #N/A Franco Do Burndi
Cambodge - Riel Camboya - Riel #N/A Riel
Canada - Dollar Canad - Dlar #N/A Dlar Canadiano
Cap Vert - Escudo Cabo Verde - Escudo #N/A Escudo De Cabo Verde
Iles Cayman - Dollar Islas Caimnes - Dlar #N/A Dlar Das Ilhas Caimo
#N/A CFA Franco BCEAO #N/A Franco CFA Ocidental
#N/A CFA Franco BEAC #N/A Franco CFA Central
Chili - Peso Chile - Peso #N/A Peso Chileno
Chine - Renmimbi Yuan China - Renmimbi Yuan #N/A Yuan Renminbi
Colombie - Peso Colombia - Peso #N/A Peso Colombiano
Comores - Franc Comoras - Franco #N/A Franco Das Comores
Costa Rica - Colon Costa Rica - Coln #N/A Coln Da Costa Rica
Croatie - KunaCroacia - Kuna #N/A Kuna
Cuba - Peso Cuba - Peso #N/A Peso Cubano
Chypre - LivreChipre - Libra #N/A Libra Cipriota
Tchquie - Couronne Checia - Corona #N/A Koruna
Danemark - Couronne Dinamarca - Corona #N/A Coroa Dinamarquesa
Djibouti - FrancYibuti - Franco #N/A Franco Do Jibuti
Rep.Dominicaine - Peso Rep.Dominicana - Peso #N/A Peso Dominicano
Pays-Bas - Florin Holanda - Florn #N/A #N/A
#N/A #N/A #N/A Dlar Das Carabas Orientais
Equateur - Sucre Ecuador - Sucre #N/A #N/A
Egypte - LivreEgipto - Libra #N/A Libra Egpcia
El Salvador - Colon El Salvador - Coln #N/A Dlar Americano; Coln Do Salvador
Estonie - Couronne Estonia - Corona #N/A Coroa Estnia
Ethiopie - Birr Etiopa - Birr #N/A Birr
Iles Falkland - Livre Islas Malvinas - Libra #N/A Libra Das Falkland
Fidji - Dollar Fiyi - Dlar #N/A Dlar Das Ilhas Fiji
Finlande - Mark Finlandia - Marco #N/A #N/A
France - FrancFrancia - Franco #N/A #N/A
Gambie - Dalasi Gambia - Dalasi #N/A Dalasi
#N/A #N/A #N/A Lari
Allemagne - Mark Alemania - Marco #N/A Mark Alemo
Ghana - Cedi Ghana - Cedi #N/A Cedi
Gibraltar - Livre Gibraltar - Libra #N/A Libra Gibraltina
Grce - Drachme Grecia - Dracma #N/A #N/A
Guatemala - Quetzal Guatemala - Quetzal #N/A Quetzal
Guine - FrancGuinea - Franco #N/A Franco Guineense
Guyane - Dollar Guyana - Dlar #N/A Dlar Da Guiana
Hati - GourdeHait - Gourde #N/A Gurde
Honduras - Lempira Honduras - Lempira #N/A Lempira
Hong Kong - Dollar Hong Kong Dlar #N/A Dlar De Hong Kong
Hongrie - Forint Hungra - Forint #N/A Forint
Islande - Couronne Islandia - Corona #N/A Coroa Islandesa
Inde - Roupie India - Rupia #N/A Rupia Indiana
Indonsie - Rupiah Indonesia - Rupia #N/A Rupia Indonsia
Iran - Rial Irn - Rial #N/A Rial Iraniano
Irak - Dinar Iraq - Dinar #N/A Dinar Iraquiano
Irlande - Livre Irlanda - Libra #N/A #N/A
Isral - Noveau Shkel Israel - Nuevo Shekel #N/A Novo Shekel
Italie - Lire Italia - Lira #N/A #N/A
Jamaque - Dollar Jamaica - Dlar #N/A Dlar Jamaicano
Japon - Yen Japn - Yen #N/A Iene
Jordanie - Dinar Jordania - Dinar #N/A Dinar Jordano
Kazakstan - Tenge Kazajstn - Tenge #N/A Tenge
Kenya - Shilling Kenia - Cheln #N/A Xelim Queniano
Kowet - DinarKuwait - Dinar #N/A Dinar Kuwaitiano
#N/A #N/A #N/A Som
Laos - Kip Laos - Kip #N/A Kip
Lettonie - LatsLetonia - Lats #N/A Lats
Liban - Livre Lbano - Libra #N/A Libra Libanesa
Lesotho - Loti Lesoto - Loti #N/A Loti
Libria - DollarLibria - Dlar #N/A Dlar Liberiano
Libye - Dinar Libia - Dinar #N/A Dinar Lbio
Lituanie - LitasLetnia - Litas #N/A Litas
Luxembourg - Franc Luxemburgo - Franco #N/A #N/A
Macao - Pataca Macao - Pataca #N/A Pataca
Madagascar - Franc Mlaga - Franco #N/A Franc de Madagascar
Malawi - Kwacha Malaui - Kwacha #N/A Kwacha Do Malvi
Malaisie - Ringgit Malasia - Ringgit #N/A Ringgit
Maldives - Rufiyaa Maledivas - Rupia #N/A Rupia Das Maldivas
Malta - Lire Malta - Lira #N/A Lira Maltesa
Mauritanie - Ouguiya Mauritania - Ouguiya #N/A Ouguiya
Maurice - Roupie Mauricio - Rupia #N/A Rupia Da Maurcia
Mexique - Peso Mxico - Peso #N/A Peso Mexicano
#N/A #N/A #N/A Leu Moldavo
Mongolie - Tugrik Mongolia - Tugrik #N/A Tugrik
Maroc - DirhamMarruecos - Dirham #N/A Dirham Marroquino
Mozambique - Metical Mozambique - Metical #N/A Metical
Myanmar - Kyat Myanmar - Kyat #N/A Kyat
Namibie - Dollar Namibia - Dlar #N/A Dlar Da Nambia; Rand Sul-Africano
Npal - RoupieNepal - Rupia #N/A Rupia Nepalesa
Nouvelle Zlande - Dollar Nueva Zelanda - Dlar #N/A Dlar Neozelands
Nicaragua - Cordoba Oro Nicaragua - Crdoba #N/A Crdoba
Nigria - NairaNigeria - Naira #N/A Naira
Antilles NL - Florin Antillas Holandesas - Florn #N/A Florim Das Antilhas Neerlandesas
Core de Nord - Won Corea del Norte - Won #N/A Won Norte-Coreano
Norvge - Couronne Noruega - Corona #N/A Coroa Norueguesa
Oman - Rial Omn - Rial #N/A Rial De Om
Pakistan - Roupie Pakistn - Rupia #N/A Rupia Paquistanesa
Panama - Balboa Panam - Balboa #N/A Balboa
Papouasie-Nouvelle Guine - Kina Papa Nueva Guinea - Kina #N/A Kina
Paraguay - Guarani Paraguay - Guaran #N/A Guarani
Prou - Sol Per - Nuevo Sol #N/A Novo Sol
#N/A #N/A #N/A Peso Uruguaio (UYU)
Philippines - Peso Filipinas - Peso #N/A Peso Filipino
Pologne - ZlotyPolonia - Zloty #N/A Zlti
Portugal - Escudo Portugal - Escudo #N/A Escudo Portugus
Qatar - Rial Qatar - Rial #N/A Rial Do Catar
Roumanie - Leu Rumana - Leu #N/A Leu Romeno
Russie - Rouble Rusia - Rublo #N/A Rublo
#N/A #N/A #N/A Franco Ruands
Samoa - Tala Samoa - Tala #N/A Tala
So Tom/Principe - Dobra Santo Tom/Prncipe - Dobra #N/A Dobra
Arabie Saoudite - Riyal Arabia Saud - Rial #N/A Rial Saudita
Seychelles - Roupie Seychelles - Rupia #N/A Rupia Das Seicheles
Siera Leone - Leone Sierra Leona - Leone #N/A Leone
Singapour - Dollar Singapur - Dlar #N/A Dlar De Singapura
Slovaquie - Couronne Eslovaquia - Corona #N/A Coroa Eslovaca
Slovnie - Tolar Eslovenia - Tlar #N/A Tolar
Iles Salomon - Dollar Islas Salomn - Dlar #N/A Dlar Das Ilhas Salomo
Somalie - Shilling Somalia - Cheln #N/A Xelim Somaliano
Afrique du Sud - Rand Surfrica - Rand #N/A Rand
Core du Sud - Won Corea del Sur - Won #N/A Won Sul-Coreano
Espagne - Peseta Espaa - Peseta #N/A Peseta Espanola
Sri Lanka - Roupie Sri Lanka - Rupia #N/A Rupia Do Sri Lanca
Sainte-Hlne - Livre Santa Elena - Libra #N/A Libra De Santa Helena
Soudan - Dinar Sudn - Dinar #N/A Dinar Sudans
Soudan - LivreSudn - Libra #N/A Libra de Sudan
Surinam - Florin Surinam - Florn #N/A Florim Do Suriname
Swaziland - Lilangeni Suazilandia - Lilangeni #N/A Lilangeni
Sude - Couronne Suecia - Corona #N/A Coroa Sueca
Suisse - FrancSuiza - Franco #N/A Franco Suo
Syrie - Livre Siria - Libra #N/A Libra Sria
Tawan - Dollar Taiwan - Dlar #N/A Novo Dlar De Taiwan
#N/A #N/A #N/A Somoni
Tanzanie - Shilling Tanzania - Cheln #N/A Xelim Tanzaniano
Thalande - Baht Tailandia - Baht #N/A Baht
Tonga - Pa'anga Tonga - Pa'anga #N/A Pa'anga
Trinidad/Tobago - Dollar Trinidad/Tobago - Dlar #N/A Dlar De Trindade E Tobago
Tunisie - DinarTnez - Dinar #N/A Dinar Tunisino
Turquie - Lire Turqua - Lira #N/A Lira Turca
#N/A #N/A #N/A Manat Turquemenistans
Ouganda - Shilling Uganda - Cheln #N/A Xelim Ugands
Ukraine - Hryvnia Ucrania - Jrivnia #N/A Hryvnia
Uruguay - Peso Uruguay - Peso #N/A Peso Uruguaio (UYP)
Dollars US US Dlar Dlar Americano
Emir. Arab. Uni. - Dirham Emir. rab. Uni. - Dirham #N/A Dirham Dos Emiratos rabes Unidos
#N/A #N/A #N/A Sum
Vanuatu - VatuVanuatu - Vatu #N/A Vatu
Vnzuela - Bolivar Venezuela - Bolvar #N/A Bolvar
Vietnam - Dong Vietnam - Dong #N/A Dong
#N/A #N/A #N/A Rial Iemenita
Yougoslavie - Dinar Yugoslavia - Dinaro #N/A Dinar (Jugoslvia)
#N/A #N/A #N/A Dinars Novos (Jugoslvia)
Zambie - Kwacha Zambia - Kwacha #N/A Kwacha Da Zmbia
Zimbabwe - Dollar Zimbabue - Dlar #N/A Dlar Do Zimbabu
Taux d'intrt sur comptes de dpts Tasa de Depsito #N/A
Pntration des circuits financiers Penetracin Financiera #N/A
Taux de croissance du PIB Tasa de Crecimiento del PIB #N/A
PNB par habitant PNB per Cpita . #N/A
Taux d'inflationTasa de Inflacin Taxa de inflao
INDICATEURS MACRO-CONOMIQUES INDICADORES MACROECONMICOS #N/A
Changement dans le cours des prix la consommation (FMI/International Financial Statistics) Variacin Anual en el ndice de Precios al Consumir promedio (FMI / Estadsticas Financieras Internacionales) #N/A #N/A
Croissance annuelle du total des produits et services sur l'ensemble du territoire d'un pays donn (World Development Indicators) Crecimiento anual en la Produccin total de bienes y servicios en el territorio de un pas dado (Indicatodores de Desarrollo Mundial) #N/A #N/A
Moyenne annuelle Promedio anual . #N/A
Taux d'intrt propos aux clients nationaux pour les dpts vue ou terme (FMI/International Financial Statistics) Tasa de Inters ofrecida a los residentes para depsitos a la vista, ahorro o plazo (FMI / Estadsticas Financieras Internacionales) #N/A #N/A
M3/ PIB M3/ PIB M3/ #N/A
Masse montaire comprenant les devises, les dpts, et les devises lectroniques (M3) / PIB, et qui mesure la montisation de l'conomie (FMI/International Financial Statistics) Agregado monetario incluyendo el efectivo, Depsitos y Dinero electrnico (M3) / PIB medido por la monetizacin de la economa (FMI / Estadsticas Financieras Internacionales) #N/A #N/A
Revenu total gnr par les ressortissants d'un pays / Nombre total des ressortissants (World Development Indicators) Ingreso total generado por los residentes de un pas, no importando su localizacin/ Poblacin Total (Indicatodores de Desarrollo Mundial) #N/A #N/A
MTHODES COMPTABLES MTODOS DE CONTABILIDAD Accounting Methods #N/A
Votre institution peut-elle distinguer les dettes long terme des dettes court terme? Puede descomponer las obligaciones entre corto y largo plazo? ? #N/A
Votre institution peut-elle distinguer l'actif long terme de l'actif court terme? Puede descomponer la cartera bruta de prstamos entre la cartera bruta de largo y corto plazo? ? #N/A
Dcrivez les rserves ventuelles apparaissant dans vos tats financiers Describa cualquier reserva que usted haya puesto en su estado financiero: , . #N/A
#N/A #N/A #N/A #N/A
Les chiffres ports vos tats financiers audits et/ou fournis par l'institution sont-ils rajusts pour tenir compte de l'inflation, et si 'oui', comment? Ajusta su programa las cuentas por el efecto de la inflacin en sus estados financieros auditados y/o en la informacin financiera que nos ha proporcionado? / , , , ? #N/A
Quel type de comptabilit votre institution utilise-t-elle (comptabilit relle ou par engagements), et sur quels comptes respectivement? Qu tipo de contabilidad utiliza su programa, (base efectivo o devengado), cuales son las cuentas que se tratan segn cada sistema? ? ? #N/A
#N/A Separacin de todas las cuentas del activo entre los montos con vencimiento dentro y luego de 12 meses #N/A #N/A
#N/A Separacin de todas las cuentas del pasivo entre los montos con vencimiento dentro y luego de 12 meses #N/A #N/A
Revoir ou pas?Revisar o no? #N/A #N/A
Vrification finale Revisin Final #N/A #N/A
Remarques Comentarios #N/A #N/A
Prire de revoir - le nombre de prts en cours est diffrent de celui indiqu dans la partie 'Produits et Clients' Favor de revisar - el nmero de prstamos no cuadra con el nmero listado en la seccin de "Productos y Clientes." #N/A #N/A
Prire de revoir - ceci est diffrent au total des emprunts indiqu au Bilan Favor de revisar - No cuadra con el total del pasivo listado en el Balance General #N/A #N/A
Prire de revoir - ce montant est diffrent de celui indique au Compte de Rsultats Favor de revisar - no es igual a la Provisin de Incobrables en el Estado de Resultados #N/A #N/A
Prire de revoir - ce montant est diffrent de celui indique au Bilan Favor de revisar - no es igual a la reserva de prstamos incobrables en el BG #N/A #N/A
Prire de revoir - cette information n'est pas entirement compatible avec la diffrence de personnel entre l'anne dernire et cette anne Favor de revisar - no es consistente con la diferencia entre personal del ao actual y del ao anterior #N/A #N/A
Prire de revoir - cette information n'est pas compatible avec les charges de personnel indiques au Compte de Rsultats Favor de revisar - no es igual a la informacin de personal en Estado de Resultados #N/A #N/A
Prire de revoir - ce montant est diffrent de l'encours brut de prts indiqu au Bilan Favor de revisar - esta cifra es distinta a la cartera bruta de prstamos del Balance General #N/A #N/A
Prire de revoir - ceci n'est pas entirement compatible avec les informations ci-dessus Favor de revisar - no es consistente con la informacin arriba #N/A #N/A
Prire de revoir - l'actif total n'est pas gal aux dettes et fonds propres au Bilan Favor de revisar - El Total del Activo no cuadra con a la suma de Total del Pasivo y el Total de Patrimonio #N/A #N/A
Prire de revoir - votre Bilan indique de l'pargne volontaire alors que vous n'avez pas indiqu d'pargnants volontaires Favor de revisar - Ahorros voluntarios aparecen en el Estado de Balance pero no han sido listados clientes de ahorros voluntarios #N/A #N/A
Prire de revoir - vous avez indiqu des pargnants volontaires alors que votre Bilan n'indique pas d'pargne volontaire Favor de revisar - Ha listado clientes de ahorros voluntarios pero no aparecen ahorros voluntarios en el Balance General #N/A #N/A
Prire de revoir - le nombre total de clients excde la somme d'pargnants, d'emprunteurs et d'autres clients Favor de revisar - el total de clientes excede la suma de ahorristas, prestatarios y clientes de otros productos #N/A #N/A
Inconsistance potentielle Falta de correspondencia potencial #N/A #N/A
#N/A #N/A #N/A #N/A
Le salaire moyen des employs n'est pas compatible avec le nombre d'employs indiqu dans la partie 'Infrastructure' et les charges de personnel indiques au Compte de Rsultats El salario anual del personal no es consistente con el nmero de personal listado en "Infraestructura" y el gasto de personal en el estado de resultados #N/A #N/A
La diffrence entre le nombre d'employs cette anne et celui de l'anne prcdente n'est pas compatible avec le nombre d'employs qui ont t embauchs ou qui ont quitt l'institution La diferencia entre el personal del ao anterior y del ao en curso no es consistente con el personal que ha sido contratado y el personal que ha salido/dejado. #N/A #N/A
L'encours brut de prts indiqu dans la partie 'Rapport du portefeuille' n'est pas gal celui indiqu au Bilan La cartera bruta del Informe de la Cartera es distinta a la cartera bruta del Balance General #N/A #N/A
La dotation aux provisions pour pertes sur prts indique dans la partie 'Rapport du portefeuille' n'est pas gale celle indique au Compte de Rsultats La provisin para incobrables en el informe de la cartera es distinta a la provisin para incobrables en el Balance General #N/A #N/A
La provision pour pertes sur prts indique dans la partie 'Rapport du portefeuille' n'est pas gale celle indique au Bilan La reserva para prstamos incobrables del Informe de la Cartera no corresponde con la reserva para prstamos incobrables en el Balance General #N/A #N/A
Le nombre de prts en cours indiqu dans la partie 'Rapport du portefeuille' n'est pas gal celui indiqu dans la partie 'Produits et Clients' Favor de revisar - el nmero de prstamos del "Informe de la Cartera" no cuadra con el nmero listado en la seccin de "Productos y Clientes." #N/A #N/A
Le nombre total de clients dpasse la somme d'pargnants, d'emprunteurs et d'autres clients El nmero total de clientes excede la suma de ahorristas, prestatarios y clientes de otros productos #N/A #N/A
Le total des emprunts indiqu dans la partie 'Analyse des emprunts' n'est pas gal au montant indiqu dans le compte 'Total des emprunts' au Bilan El total del pasivo en "Anlisis de Obligaciones" no equivale el total del pasivo en el Balance General #N/A #N/A
Le montant des prts rays du portefeuille indiqu dans le 'Rapport du portefeuille' n'est pas gal la [provision pour pertes sur prts de l'anne prcdente + dotations aux provisions pour pertes sur prts de l'anne en cours - provision pour pertes sur prts de l'anne en cours] Los prstamos castigados en el Informe de la Cartera no equivalen (Reserva para prstamos incobrables del ao anterior + la Provisin para incobrables del ao en curso - la Reserva para prstamos incobrables del ao en curso) #N/A #N/A
L'actif total n'est pas gal la somme des dettes et fonds propres au Bilan El Total del Activo no cuadra con a la suma de Total del Pasivo y el Total de Patrimonio #N/A #N/A
L'pargne volontaire apparat au Bilan alors qu'aucun pargnant volontaire n'a t indiqu dans la partie 'Produits et clients' Ahorros voluntarios aparecen en el Estado de Balance pero los clientes de ahorros voluntarios no han sido listados #N/A #N/A
Des pargnants volontaires ont t indiqus dans la partie 'Produits et clients' alors que l'pargne volontaire n'apparat pas au Bilan Clientes de ahorros voluntarios han sido listados pero no aparecen ahorros voluntarios en el Balance General #N/A #N/A
#N/A #N/A *** : , , , ( ), , , .. *** #N/A
#N/A #N/A ? #N/A
#N/A #N/A ? #N/A
#N/A #N/A , ? #N/A
#N/A #N/A , , #N/A
Devise Moneda #N/A
Fin (jj/mm/aaaa) Fin: dd/mm/aaaa: (//): #N/A
Taux de change Tasa de Cambio Cmbio
#N/A #N/A #N/A
Anne fiscale analyser Ao financiero para ser analizado #N/A
Prsentation Informacin General #N/A
Nom de l'IMF Nombre de la IMF: : #N/A
Non No . No
Dbut (jj/mm/aaaa) Inicio: dd/mm/aaaa: (//): #N/A
Unit de la devise Unidad de Moneda #N/A
Oui S Sim
Tous les employs devraient tre exprims en quivalence au plein-temps (veuillez additionner les heures des employs temps partiel, et calculer lquivalence d'employs plein temps dont linstitution aurait eu besoin pour couvrir ces mme heures) Todo el personal debe ser incluido en el equivalente de tiempo completo (p.ej. las horas de trabajadores a tiempo parcial deberan ser acumuladas, y deberan calcular el nmero de trabajadores completos que seran necesarios para hacer un trabajo equivalente). (. , , ). #N/A
Salaire moyen annuel, tous salaris confondus (inclue les primes, bnfices, et autres charges sociales, exprim dans la devise dcrite dans la partie 'Prsentation') Promedio del salario anual y prestaciones por empleado (expresados en la moneda y unidad escritas en Informacin General ( , ) #N/A
Niveau succursale Nivel de las sucursales #N/A
Ces donnes reprsentent-elles toutes les personnes qui contribuent vos oprations, incluant les volontaires, employs temps partiel, et employs temps plein? Estas cifras representan todos los recursos humanos que utilizan, incluso voluntarios, personal de tiempo parcial y a tiempo completo? , - , ? #N/A
Sige Oficina central Matriz
Combien de bureaux? Cuantas oficinas? ? #N/A
Combien d'employs y a t-il chaque niveau de l'infrastructure de l'institution? Que representa la infraestructura de la IMF a cada nivel en relacin al personal (nmero de personal, puesto, etc.)? ? #N/A
Infrastructure Infraestructura #N/A
Grandes villesCiudades grandes #N/A
Nombre d'agents de terrain (employs qui ont un contact direct avec les clients) la fin de l'anne fiscale Nmero de personal de primera lnea (los con contactos con los clientes) al fin de ao , . #N/A
Nombre d'employs qui ont t embauchs au cours de l'anne fiscale Nmero de empleados contratados durante el ao financiero , #N/A
Nombre d'employs qui ont dmissionn ou ont t licencis au cours de l'anne fiscale Nmero de empleados renunciados o despedidos durante el ao financiero , #N/A
Nombre d'employs la fin de l'anne fiscale Nmero de empleados al fin de ao #N/A
Pourcentage du (budget annuel consacr la formation du personnel/charges d'exploitation totales) Porcentaje del (presupuesto anual para capacitacin del personal / gastos operacionales) ( / ) #N/A
Pourcentage de clients chaque endroit Porcentaje total de los clientes en cada ubicacin: : #N/A
Veuillez nous fournir des informations sur le personnel de l'institution Favor de proveer informacin respecto al personal #N/A
Niveau bureau rgional Nivel de la oficina regional #N/A
Zones rurales Zonas rurales #N/A
Petites/moy. villes Ciudades peq. / #N/A
Structure Estructura Structure #N/A
Niveau agence/unit Nivel de las agencias #N/A
Catgorie Categora #N/A
Cocher ici si l'institution ne reoit pas de dons en nature Favor de marcar la casilla si su institucin no recibe subsidios en especie , #N/A
Votre institution a-t-elle utilis des biens ou des quipements appartenant une autre institution, et qui n'apparaissent pas sur vos tats financiers (comme des bureaux, des ordinateurs, des vhicules, etc.)? Us su programa alguna propiedad o equipo que pertenece a alguna otra institucin y no fue contabilizado en su estado financiero (por ejemplo, una oficina, computadora, vehculo etc.)? - , (. , , .)? #N/A
Utilisation Como fue utilizado #N/A
Si 'oui', quelles fonctions ont-ils rempli et comment ont-ils contribu vos operations? Si la respuesta es si, explquenos que trabajo realizaron y como contribuyeron a las operaciones , , . #N/A
Si oui, dans quelle catgorie appartiennent ces biens/quipements, quelle valeur ont-ils reprsent, et quelle en fut l'utilisation pour vos oprations? Si la respuesta es si, explquenos que tipo de equipo o propiedad, el valor a la institucin y como fue usado para sus operaciones , , / , #N/A
Analyse des dons en nature Subsidios en Especie Subsdios em espcie
Analyse des subventions d'exploitation Anlisis del subsidio operacional #N/A
Autres Otros Outro
Veuillez rpondre aux questions suivantes afin de dterminer si votre institution a reu des subventions oprationnelles (dons en nature) pendant cette anne fiscale Favor de leer la siguiente informacin para determinar si su institucin recibi un subsidio en especie operacional para este ao financiero , , #N/A
Valeur de la subvention/don l'institution Valor de subsidio/donacin a la institucin / #N/A
La rmunration de certains de vos cadres de direction ou cadres administratifs a-t-elle t directement prise en charge par un donateur, sans entrer de ce fait dans la masse salariale indique au Compte de Rsultats? Hubo algn gerente operacional o personal administrativo pagado por un donante que no fue incluido en el Estado de Resultados? , ? #N/A
Quel a t le montant de leurs salaires pour l'anne fiscale en cours se terminant au Cul fue el monto de sus salarios durante el ao analizado? ? #N/A
Adresse Direccin: #N/A
Ville, Province, Code postal Ciudad, estado/provincia, cdigo postal: , / #N/A
#N/A #N/A #N/A
Pays Pas #N/A
#N/A #N/A () #N/A
Email Correo electrnico: . #N/A
Numro de faxFax Fax #N/A
#N/A #N/A #N/A
COORDONNES DE L'INSTITUTION INFORMACIN DE CONTACTO INSTITUCIONAL #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
#N/A #N/A : #N/A
Nom et fonction du chef de l'IMF(Directeur Gnral, etc.) Nombre y puesto del director general de la IMF: ( ..) #N/A
Nom et fonction de la personne qui remplit ce formulaire Nombre y puesto de la persona llenando este cuestionario: #N/A
#N/A #N/A , / #N/A
#N/A #N/A ( ) #N/A
Numro de tlphone Telfono #N/A
#N/A #N/A #N/A #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
#N/A #N/A -, - #N/A
#N/A #N/A , , , . / , . #N/A
Site Internet Sitio Web #N/A
Code postal #N/A #N/A
#N/A #N/A #N/A
Banque Banco #N/A
Banque RuraleBanco Rural #N/A #N/A
#N/A #N/A #N/A
Dcrire les dfis principaux de l'institution Describa los desafos principales de la institucin / #N/A
Dcrire la mission de l'institution Describa la misin de la institucin #N/A
#N/A #N/A ? #N/A
#N/A #N/A () #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
Si 'autre', veuillez prciser Si 'otro' indique , #N/A
#N/A #N/A , , , ? #N/A
Si oui, par quel autorit Por favor indique quien la regula si la respuesta es 'si' , ? #N/A
#N/A #N/A , , ? #N/A
Statut juridiqueEstatuto jurdico actual: #N/A
PRSENTATION DE L'INSTITUTION PRESENTACIN INSTITUCIONAL #N/A
#N/A #N/A #N/A
L'institution est-elle reglemente? La institucin es regulada? #N/A #N/A
#N/A #N/A ( ) #N/A
#N/A #N/A #N/A
#N/A #N/A ( , , , , .) #N/A
#N/A #N/A - , 250% , , 250% . #N/A
#N/A #N/A , #N/A
#N/A #N/A - Mix Market #N/A
#N/A #N/A - Mix Market #N/A
#N/A #N/A #N/A
Non No . No
Intermdiaire financier non bancaire ONG #N/A #N/A
Cooprative Intermediaro Financiero No Bancario #N/A #N/A
A but non lucratif Sin fines de lucro #N/A #N/A
#N/A #N/A #N/A
Autres Otros Outro
Composition de la proprit Composicin de la propiedad #N/A
Dcrire le type, la frquence et l'ampleur de la supervision effectus sur l'institution par les organismes publics, s'il y a lieu Describa el tipo de supervisin y frecuencia de supervisin que su institucin recibe, si es aplicable , , . #N/A
-Choisissez- -Seleccione- #N/A #N/A
A but lucratif Con fines de lucro #N/A
A but lucratif Fines #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
Choisissez Alliances Seleccione Alianzas #N/A #N/A
-Choisissez- Seleccione Uno #N/A #N/A
Alliances stratgiques (veuillez slectionner toutes les alliances et prciser toute alliance supplmentaire) Alianzas estratgicas (favor de seleccionar todos que aplican e indicar cualquier otra afiliacin) ( , ) #N/A
Date du dbut des activits de microfinance (aaaa) Fecha de inicio de operaciones: #N/A
Date de transformation au statut juridique actuel (s'il y a lieu) Fecha de la transformacin al estatuto jurdico actual (si es aplicable) ( ) #N/A
Oui S Sim
#N/A #N/A #N/A
#N/A #N/A #N/A
#N/A #N/A #N/A
Montant de cet emprunt au Bilan Monto de este pasivo en el Balance General #N/A
ne peut pas tre classifi no puede ser clasificado #N/A #N/A
Description des emprunts de l'institution Descripcin de los obligaciones institucionales , #N/A
Combien d'emprunts individuels ( taux subventionns ou au taux de march) appairaissent au Bilan de cette anne? Cuntas obligaciones (comerciales y concesionales) aparecen en el Estado del Balance del ao en curso? ( ) ? #N/A
Analyse des emprunts Anlisis del Pasivo #N/A
Taux nominal pay sur cet emprunt Tasa nominal pagado de la obligacin #N/A
prive privada #N/A #N/A
publique pblica #N/A #N/A
Source, incluant le nom et la description (si possible) Fuente, incluyendo nombre y descripcin si es necesario , ( ) #N/A
Total des emprunts, au Total de obligaciones, al da #N/A
Total des emprunts, anne en cours (Ligne 2c du Bilan) Total de obligaciones del ao en curso (lnea 2c del Balance General) ( 2c ) #N/A
Classeriez-vous cet emprunt au Bilan comme provenant d'une source publique ou prive? Clasificara esta como obligacin de una fuente pblica o privada en el Balance? ? #N/A
(somme de 10b) (suma de 10b) #N/A #N/A
(somme de 2)(suma de 2) #N/A #N/A
(somme de 2c) (suma de 2c) #N/A #N/A
(somme de 3d) (suma de 3d) #N/A #N/A
[Portez vos remarques ici] [Favor de escribir aqu] #N/A #N/A
Texte additionnel #N/A #N/A #N/A
Retour lIndexe Volver al ndice #N/A #N/A
Revoir Revise #N/A #N/A
Transfer de fonds Giro #N/A #N/A
#N/A #N/A #N/A #N/A
Assurance Seguro #N/A Seguros
Pas de problme Sin Problema #N/A #N/A
Autres Otros Outro
#N/A #N/A #N/A #N/A
Veuillez slctionner la langue: Favor de seleccionar el idioma #N/A #N/A
Merci pour votre participation un mouvement international vers la standardization, la transparence, et l'laboration de benchmarks de qualit pour le secteur de la microfinance. Gracias por su participacin esta iniciativa de la estandadizacin, transparencia y Benchmarking del sector de microfinanzas. #N/A #N/A
180-365 Jours181-365 das 181-365 #N/A
30-90 Jours 30- 90 das 30-90 #N/A
366+ Jours 366+ das 366+ #N/A
91-180 Jours 91-180 das 91-180 #N/A
ge/Statut du portefeuille Morosidad de la cartera #N/A
Ensemble des prts rengocis Total de prstamos renegociados #N/A
Montant - indiqu en Monto listado en - : #N/A
Encours de prts, paiement ponctuel (< 30 jours, crdits non rengocis) Cartera actual, pago puntual (< 30 das) - prstamos no renegociados (< 30 , ) #N/A
Est-ce que linstitution analyse les prts rengocis sparment des prts non rengocis? Aparecen los prstamos renegociados en cuentas distintas a los prstamos no renegociados? ? #N/A
Encours brut de prts Cartera bruta de prstamos #N/A
Dotations aux provisions pour pertes sur prts pour l'anne fiscale en cours Provisin para incobrables para el ao que termina el #N/A
Provision pour pertes sur prts pour l'anne fiscale en cours Reserva para prestamos incobrable para el ao que termina el #N/A
Le montant des prts qui ont t rays du portefeuille pour lanne fiscale en cours Prestamos castigados en el ao que termina el #N/A
Nombre de crdits N de prstamos Nmero de emprstimos
Pourcentage Porcentaje Porcentagem
Veuillez nous dcrire de manire prcise comment est dtermine, dans votre institution, la valeur des dotations et des crances passes en pertes Por favor describa de manera precisa como su programa determina el valor de la provisin para incobrables y los crditos castigados #N/A
Veuillez nous prciser le mode de calcul des recouvrements indiqus au tableau prcdent Por favor explique como su programa calcula el estado de morosidad (saldo de la cartera afectada por cuotas morosas) segn la tabla anterior , ( ), #N/A
Encours de prts affect par des retards de paiement (crdits non rengocis) Balance de la cartera afectado por los pagos atrasados (crditos no renegociados) , ( ) #N/A
Rapport du portefeuille Informe de la Cartera #N/A
Performance du portefeuille de prts Estado de morosidad de la cartera vigente #N/A
Y avait-il des prts rengocis sur le Bilan de lanne fiscale de cette anne? Haba prstamos renegociados en el Balance General del ao analizado? ? #N/A
Solde la fin de l'anne fiscale (en devise et unit nommes ci-dessus) Saldo vigente al fin del ao (en la moneda unidad arriba) ( ) #N/A
Une nette sparation des comptes permet-elle de mesurer avec prcision et efficacit cet effet? Se puede medir claramente y efectivamente este efecto en a la separacin de cuentas? #N/A #N/A
Clients, par autre produit Clientes por otro producto #N/A
Obligatoires Obligatorios Compulsrio
Dcrivez individuellement chaque service non financier Describa cada uno de los servicios no financieros: #N/A #N/A
Description des termes et conditions lis chacun des produits de crdit (indiquer les dlais de paiement, le nombre d'chances, les dlais de grce, les avals et garanties exigs, les conditions pour avoir accs au prt, etc.) Descripcin de los trminos y condiciones de los prstamos (incluya una descripcin de los trminos del prstamo, la frecuencia de las cuotas, perodos de gracia, requisitos de avales o garantas y condiciones para acceder al servicio) ( , , () , , , ..) #N/A
Description des termes et conditions lis ces produits (les produits sous 'autres' devraient particulirement tre dtaills) Descripcin de los trminos y condiciones del producto #N/A #N/A
Description des termes et conditions lis l'pargne (inclure la description des termes, prciser si le produit d'pargne est volontaire ou obligatoire, si les dpts ont des termes fixes, si l'IMF ou une tierce personne mobilise les dpts, etc.) Descripcin de los trminos y condiciones de los productos de ahorros: (incluya una descripcin de los trminos, si las cuentas son voluntarias u obligatorias, si los depsitos son para plazos fijos, si la IMF o terceros capta ahorros etc.) #N/A #N/A
Les montants des revenus, profits et cots indiqus ci-dessus apparaissent-ils dans vos tats financiers audits? Si 'oui', merci d'indiquer ces montants aux lignes 12a et 12b du formulaire de Compte de Rsultats. Los montos de los ingresos, ganancias y gastos que proporcionados aparecen en sus estados financieros auditados? Si la respuesta es si, por favor indique estos montos y colquelos en las lneas 12a y 12b del Estado de Resultados. #N/A #N/A
L'institution fournie-t-elle des services non financiers? La institucin provee servicios no financieros? ? #N/A
Est-ce que l'institution cible spcifiquement les clients trs pauvres (clients qui gagnent moins de US$1/jour, ou population dans la moiti infrieure des gens qui vivent sous la ligne de pauvret)? La institucin enfoque los servicios a clientes muy pobres (p.ej. Clientes que ganan menos de US$1/da o la poblacin bajo de la mitad de la lnea de pobreza)? ( 1 )? #N/A
Est-ce que l'institution utilise des outils particuliers pour cibler les pauvres, tels que un Means Test , Participatory Wealth Ranking , ou un Housing Index , etc.? La institucin utiliza herramientas como la prueba de medios, clasificacin de riqueza, o la ndice de viviendas etc.? , , , .? #N/A
Comment les services non financiers offerts par l'institution amliorent-ils les services de base d'pargne et de crdit? Cmo los servicios no financieros contribuyen los servicios de ahorro y crdito de la institucin? #N/A #N/A
Solde la fin de l'anne en cours (en devise et unit nommes ci-dessus) Saldo vigente al fin del ao (en la moneda arriba) #N/A #N/A
L'institution est-elle capable de suivre le nombre de clients en plus du nombre de comptes (par exemple, nombre d'pargnants en plus du nombre de comptes d'pargne)? La institucin puede distinguir entre el nmero de ahorristas y el nmero de cuentas de ahorro? (. , )? #N/A
Mthodologies de crdit employes Metodologas crediticias usadas #N/A
Produits de crdit Productos de Crdito PROD. DE EMP.
Crdits et emprunteurs Prstamos y Prestatarios #N/A
Service non financier Servicio no financiero #N/A #N/A
Services non financiers Servicios no financieros #N/A #N/A
Nombre accumul d'emprunteurs dj servis Nmero de clientes, acumulado #N/A
Nombre accumuls de crdits dj octroys Nmero de prstamos otorgados, acumulado #N/A
Nombre d'emprunteurs actifs Nmero de prestatarios actuales #N/A
Nombre de clients actifs Nmero de clientes activos #N/A
Nombre d'pargnants actifs Nmero de ahorristas activos #N/A
Nombre de comptes d'pargne actifs Nmero de cuentas activas de ahorro #N/A
Nombre de crdits en cours Nmero de prstamos vigentes #N/A
Nombre demprunteurs nouveaux Nmero de prestatarios nuevos #N/A
Nombre de nouveaux clients Nmero de clientes nuevos #N/A
Nombre de participants Nmero de participantes #N/A #N/A
Nombre demprunteurs qui sont des femmes Porcentaje de clientes mujeres - #N/A
No. de clients qui sont des femmes Nmero de clientes que son mujeres - #N/A
Nombre d'pargnants qui sont des femmes Nmero de ahorristas mujeres - #N/A
Profits (ou pertes) d'exploitation des services non financiers Ganancia (prdida) de los servicios no financieros #N/A #N/A
Autres produits de Microfinance (assurance, etc.) Otros productos #N/A #N/A
Autre produitsOtros productos #N/A
#N/A #N/A #N/A
Pourcentage de la clientle qui sont dans des mnages qui gagnent moins de US $1/jour Clientes en hogares con ingresos menor a US$1/da por miembro del hogar (%) 1 . #N/A
Indiquer le nom, la description et le solde pour chaque produit financier offert par linstitution (par ordre dimportance pour linstitution) Favor de listar los productos financieros y descripciones para todos los productos ofrecidos por la institucin (favor de clasificar en su orden de importancia) , , ( ) #N/A
Veuillez fournir des donnes au Favor de rellenar la informacin desde #N/A
Produits et clients Productos y Clientes #N/A
Charges d'exploitation inhrentes Gastos operacionales relacionados #N/A #N/A
Revenus d'exploitations inhrents Ingresos operacionales relacionados #N/A #N/A
pargne et pargnants Ahorros y Ahorristas #N/A
Produits d'pargne Productos de Ahorro Produtos de Poupana
Total Total TOTAL
Nombre de clients actifs (tous services confondus) Total nmero de clientes (todos los servicios combinados) ( ) #N/A
Nombre de produits de crdit offerts Total nmero de productos crediticios ofrecidos #N/A
Nombre de produits d'pargne offerts Total nmero de productos de ahorro ofrecidos #N/A
Volontaires Voluntarios #N/A
(Provision pour prts irrcouvrables) (Res. para Prst. Incobrables)( ) #N/A
(ligne 15 du CR) (lnea 15 del Estado de Resultados) (line 15 from IS) #N/A
(ligne 16 du CR) (lnea 16 del Estado de Resultados) #N/A #N/A
(somme de 2a) (suma de 2a) #N/A #N/A
Compte Cuenta #N/A
Comptes crditeurs et autres dettes Cuentas por Pagar y Otras Obligaciones #N/A
Autres comptes recevoir et actifs Cuentas por Cobrar y Otros Activos #N/A
Comptes ajusts Cuentas Ajustadas #N/A
Ajustements Ajustes Ajustes
Retraitements des fonds propres Ajustes al Patrimonio #N/A
Au Desde #N/A
Actif Activos ATIVOS
Bilan Balance General Balano
Total des emprunts Obligaciones #N/A
Emprunts des taux de march Obligaciones a tasas comerciales #N/A
Emprunts des taux subventionns Obligaciones a tasas concesionales #N/A
Disponibilits Caja y Banco #N/A
pargne force Ahorros Obligatorios #N/A
pargne forceAhorros Obligatorios Poupanas compulsrias
Cofficient de change Factor de cambio de moneda #N/A
Exercice en cours Ao en Curso #N/A
Dpts vue Depsitos a la vista #N/A
Description Descripcin #N/A
Fonds propres issus de subventions Donaciones Acumuladas Patrimnio doado
Fonds propresPatrimonio PATRIMNIO
TATS FINANCIERS - Veuillez indiquer en ESTADOS FINANCIEROS - Favor de listar en #N/A
Encours brut de prts, au Cartera Bruta de Prstamos, al da #N/A
AJUSTEMENT POUR L'INFLATION AJUSTE POR INFLACIN #N/A
Ajustement pour subventions en nature Ajuste por Subsidios en Especie #N/A
Intrts payer Intereses por Pagar #N/A
Intrts courus non chus Intereses por Cobrar #N/A
No. Partida #N/A
Dettes Pasivos PASSIVO
Provisions pour pertes sur prts Reserva para Prstamos Incobrables #N/A
Investissements long terme Total del Activo a Largo Plazo #N/A
Immobilisations - valeur nette Activos Fijos Netos Ativo Fixo Lquido
Immobilisations nettes, au Activos fijos netos, al da #N/A
Encours net de prts Cartera Neta #N/A
Autres comptes de fonds propres Otras Cuentas de Patrimonio #N/A
Investissements long terme Total del Activo a Largo Plazo #N/A
Capital social Patrimonio Pagado #N/A
Veuillez nous fournir les soldes suivants pour l'anne fiscale prcdente Favor de proporcionar los siguientes saldo del ao financiero anterior #N/A #N/A
Veuillez nous fournir la rpartition entre le total de l'actif et le total des dettes court et long terme Favor de proporcionar el desglose de total del activo y total del pasivo a corto y largo plazo . #N/A
Report nouveau, annes prcdentes Aos Anteriores #N/A
Rserves Reservas Reservas
Rserves la Banque Centrale Reservas en el Banco Central #N/A
Rserves la Banque Centrale Reservas en el Banco Central #N/A
Report nouveau Ganancias (Prdidas) Acumuladas #N/A
Investissements court terme Activos Financieros a Corto Plazo #N/A
Ajustement pour cots de financements subventionns Ajuste por Subsidios al Costo de Fondos Ajuste do Custo de Capital subsidiado
Dpts terme Depsitos a plazo #N/A
Total de l'actif Total del activo Ativos Totais
TOTAL DE L'ACTIF, au TOTAL DEL ACTIVO, al da #N/A
Total de tous les comptes de dettes dont les montants doivent tre pays dans un dlai d'un an Saldo total de todas las cuentas del pasivo a pagar dentro de 12 meses. , 12 : #N/A
Total de tous les comptes de dettes dont les montants doivent tre pays aprs un an Saldo total de todas las cuentas del pasivo a pagar luego de 12 meses. , 12 : #N/A
Total des emprunts Obligaciones #N/A
Total des fonds propres Total del Patrimonio PATRIMNIO TOTAL
TOTAL DES FONDS PROPRES, au TOTAL DEL PATRIMONIO, al da #N/A
Total des dettes Total del Pasivo PASSIVOS TOTAIS
Total du passifTotal del Pasivo y Patrimonio TOTAL DE PASSIVOS E PATRIMNIO
Total de tous les comptes de l'actif dont les montants sont exigibles un an ou moins Total de las cuentas del activo que vencen dentro de 12 meses. 12 : #N/A
Total de tous les comptes de l'actif dont les montants sont exigibles plus d'un an Total de las cuentas del activo que vencen luego de 12 meses. 12 : #N/A
Investissements court terme Act. Financieros a Cto. Plazo #N/A
Comptesnon-ajusts Cuentas no Ajustadas #N/A
Units Unidades #N/A
pargne volontaire Ahorros Voluntarios #N/A
pargne volontaire Ahorros Voluntarios Poupana voluntria
Autres comptes recevoir, crances ou comptes dbiteurs. Inclue tous comptes recevoir autres que prts aux clients (incluant prts aux employs) Cuentas, documentos y otros activos por cobrar. Esta cuenta incluye todas las cuentas por cobrar salvo prstamos a clientes. Incluye prstamos a empleados. , . , . #N/A
Subventions et dons accumuls Donaciones acumuladas. #N/A
Subventions et dons des exercices precedents Donaciones acumuladas de aos anteriores. #N/A
La valeur des subventions nettes de l'exercice en cours. Donaciones acumuladas del ao en curso. #N/A
La valeur cumule des rsultats nets, diminus d'impts, des exercices prcdents Ganancias o prdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos). #N/A
La valeur cumule des rsultats nets, diminus d'impts, des exercices prcdents. Ce compte n'enregistre pas de subventions nettes dont la valeur s'accumule au compte de Fonds propres issues de subventions Ganancias o prdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos) #N/A
Rsultat net (aprs impts et avant subventions), de l'exercice en cours. Ce compte n'enregistre pas de subventions nettes dont la valeur s'accumule au compte de Fonds propres issues de subventions. Ganancias o prdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos) del ao en curso. #N/A
Le solde de l'encours des prts. Ce solde comprend les prts sains, risque et restructurs, mais exclut les prts rays du portefeuille. Il n'inclut pas les intrts courus et non chus. La porcin del saldo de principal para todos los prstamos pendientes; incluso prstamos vigentes, delincuentes y reestructurados salvo los prstamos castigados. No incluye intereses por cobrar o prstamos a empleados. , , , . . . #N/A
Capital vers par les actionnaires ou les membres Capital pagado por accionistas y miembros. , #N/A
Rserve lgale la Banque Centrale Reservas de efectivo en el Banco Central. #N/A
Trsorerie et comptes en banque non rmunrs Todas las cuentas corrientes, cuentas de caja chica y efectivo incluso depsitos no renumeradas. , , . #N/A
Comptes de dpts Certificados de depsito u otros depsitos a plazos fijos. #N/A
Compte d'pargne dpose que les clients sont tenus de maintenir auprs de l'institution en contrepartie d'un prt Clientes con cuentas de ahorros vinculadas a prstamos de la institucin y controladas por la institucin. , . #N/A
Comptes vue du public et des membres maintenus par l'institution et qui ne constitue pas la contrepartie d'un prt auprs de cette dernire Depsitos a la vista del pblico en general y miembros que no son vinculados a prstamos de la institucin. , , . #N/A
Subventions nettes de l'exercice en cours Donaciones acumuladas del ao en curso. #N/A
Encours de prts moins prov. pour pertes sur prts La cartera neta menos la reserva para prstamos incobrables. #N/A
Intrts courus et non chus payer. Ce compte est rserv aux institutions utilisant un systme de comptabilit d'engagement. Intereses por pagar sobre todas las cuentas del pasivo. Apropiado slo para las instituciones que usan contabilidad devengada. . , . #N/A
Intrts courus et non chus recevoir. Ce compte est rserv aux institutions qui utilisent un systme de comptabilit d'engagement. Intereses por cobrar sobre todas las cuentas del activo. Apropiado slo para las instituciones que usan contabilidad devengada. . , . #N/A
Comptes d'investissements exigibles plus d'un an Total de las cuentas del activo a largo plazo. . #N/A
Rsultat net (aprs impts et avant subventions), de l'exercice en cours Ganancias o prdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos) del ao en curso. #N/A
Autres comptes de fonds propres Otras cuentas de patrimonio no incluidos en otra partes , - #N/A
Autres comptes crditeurs, y compris les comptes d'tat dbiteurs ou les comptes payer. Otras obligaciones inclusive obligaciones de impuestos y salarios, retenciones sociales, otras cuentas por pagar, inclusive obligaciones que no soportan la cartera de prstamos, como hipotecas para propiedad. , , , , , , - . #N/A
Le solde de l'encours des emprunts pour lesquels l'institution paie un taux d'intrt nominal qui est suprieur ou gal au taux d'intrt de march local Saldo del principal de obligaciones, inclusive sobregiros, con una tasa de inters nominal que es equivalente o mayor a la tasa comercial local. , , . #N/A
Le solde de l'encours des emprunts pour lesquels l'institution paie un taux d'intrt nominal qui est infrieur au taux d'intrt de march local Saldo de principal de obligaciones, inclusive sobregiros, con una tasa de inters nominal que es menor a la tasa comercial local. , , . #N/A
Rserves telles que celles imposes par la loi ou par le statut. Reservas exigidas por las normas legales. , . #N/A
Rserves telles que celles imposes par la loi ou par le statut. Expliquez tout type de rserves utiliss par l'institution. Reservas exigidas por las normas legales. Explique cualquier otra reserva usada por la institucin. , . , . #N/A
La portion du montant de l'encours brut de prts ayant fait l'objet d'une dotation aux provisions dans l'anticipation de pertes conscutives aux dfauts de paiement. Il comprend la valeur cumule des dotations nettes aux provisions, moins la valeur cumule des prts rays du portefeuille. La porcin de la cartera bruta de prstamos que ha sido aprovisionada con anticipacin de prdidas debido a falta de pago. Esta misma representa el valor acumulativo de la provisin para incobrables neta menos el valor acumulativo de los prstamos castigados. , . ( ) ( ) . #N/A
La somme des immobilisations corporelles et incorporelles nettes. El precio de compra de propiedad planta y equipo, menos deprecicin acumlada. Inlcuye intagibles como el desarrollo del sistema informtico, menos amoritzacin acumulada. , . - . #N/A
Total de tous les comptes de dettes dont les montants doivent tre pays aprs un an Saldo total de todas las cuentas del pasivo a pagar luego de 12 meses. , 12 : #N/A
Total de tous les comptes de dettes dont les montants doivent tre pays dans un dlai d'un an Saldo total de todas las cuentas del pasivo a pagar dentro de 12 meses. #N/A #N/A
Total de tous les comptes de l'actif dont les montants sont exigibles un an ou moins Total de las cuentas del activo (inclusive la cartera bruta de prstamos) que vencen dentro de 12 meses. #N/A #N/A
Total de tous les comptes de l'actif dont les montants sont exigibles plus d'un an Total de las cuentas del activo (inclusive la cartera bruta de prstamos) que vencen luego de 12 meses. #N/A #N/A
La somme des comptes de fonds propres Total de las cuentas del patrimonio. #N/A
La somme des comptes de dettes Total de todas las cuentas del pasivo. #N/A
La somme des comptes nets de l'actif Total de las cuentas netas del activo. #N/A
Somme des emprunts taux de march et taux subventionns Total de las obligaciones a tasas comerciales y subsidiadas. #N/A
La somme des comptes nets de l'actif Total de las cuentas del pasivo y patrimonio. #N/A
Total des comptes d'p. volontaire et obligatoire Total de los depsitos voluntarios y obligatorios. #N/A
Bons de trsors ou tout autre placement court terme, y compris dpts rmunrs, exigibles un an ou moins. Bonos del tesoro y otras inversiones a corto plazo, incluso cuentas renumeradas que son convertibles a efectivo dentro de 12 meses. Normalmente usados en la gestin de liquidez. () , . , . #N/A
La valeur des subventions en nature. Valor del ajuste por subsidios en especie. ( MIX) #N/A
Valeur de tous les ajustements, incluant l'ajustement pour l'inflation Valor de todos los ajustes, inclusive el ajuste por inflacin. , #N/A
Charges nettes d'ajustement l'inflation Valor de los gastos por el ajuste de inflacin. #N/A
La valeur des dotations au compte d'ajustement l'inflation. Valor de los gastos por el ajuste de inflacin. ( , ) #N/A
La valeur des subventions en nature Valor del ajuste por subsidios en especie. #N/A
La valeur des dotations au compte d'ajustement pour cots de financement subventionns Valor de los gastos por el ajuste por subsidios al costo de fondos. #N/A
La valeur des dotations au compte d'ajustement pour cots de financement subventionns. Valor de los gastos por el ajuste por subsidios al costo de fondos. ( MIX) #N/A
#N/A (13 menos 14) #N/A #N/A
#N/A (5 menos 6) #N/A #N/A
#N/A (7 menos 8 menos 10) #N/A #N/A
#N/A (suma de 10) #N/A #N/A
#N/A (suma de 5a) #N/A #N/A
#N/A (suma de 6a) #N/A #N/A
#N/A (suma de 6b) #N/A #N/A
Ch. d'ajustement pour cots de fin. subventionns Gastos del Ajuste por Subsidios Costo de Fondos #N/A
Total des charges administratives Gastos Administrativos #N/A
Dprciation et amortissement Depreciacin Depreciao e Amortizao
Subventions Donaciones para Subsidiar Servicios Financieros - Doaes
Subventions Donaciones para Subsidiar Servicios Financieros - #N/A
Frais et commissions sur prts (incluant pnalits reues sur prts) Ingreso por Comisiones sobre la Cartera de Prstamos #N/A
Total des charges financires Gasto Financiero #N/A
Intrts verss et charges assimiles Gastos Financieros del Pasivo #N/A
Intrts verss et charges assimiles Gastos Financieros del Pasivo #N/A
Intrts reus et produits assimils Ingreso Financiero #N/A
Produits sur placements/ investissements Ingresos Financieros por Otros Activos Financieros #N/A
Revenus du portefeuille Ingreso Financiero por la Cartera de Prstamos #N/A
Revenus d'intrts sur placements/investissements Ingresos Financieros por Otros Activos Financieros #N/A
Dot. nette aux prov. pour prts irrcouvrables Provisin para Incobrables, Neta #N/A
Compte de Rsultats Estado de Resultados Demonstrativo de Resultado
Charges d'ajustement l'inflation Gasto, Ajuste por Inflacin #N/A
Produits d'ajustement l'inflation Ingreso, Ajuste por Inflacin #N/A
Charges sur l'ajustement pour l'inflation Gasto, Ajuste por Inflacin #N/A
Produits sur l'ajustement pour l'inflation Ingreso, Ajuste por la Inflacin #N/A
Intrts verss et frais sur emprunts Inters y Comisiones Pagados por Obligaciones #N/A
Intrts verss et charges sur pargne Interses y Gastos por Depsitos #N/A
Intrts reus sur prts Inters por la Cartera de Prstamos #N/A
Dotation aux provisions pour pertes sur prts Gasto de la Provisin para Incobrables #N/A
Charges nettes sur l'ajust. pour l'inflation Gasto Neto Ajuste por la Inflacin #N/A
Rsultat financier Resultado Financiero Neto #N/A
Rsultat net (aprs impt et avant subventions) Res. Neto (Antes Donaciones y Despus de Impuestos) ( ) #N/A
Rsultat net (aprs impt et subventions) Resultados Neto (Despus de Donaciones y Impuestos) ( ) #N/A
Rsultat net (avant impt et subventions) Resultado Neto (Antes de Donaciones y Impuestos) ( ) #N/A
Charges nettes d'ajustement l'inflation Gastos Netos del Ajuste por Inflacin #N/A
Dotation nette aux provisions pour pertes sur prts Provisin para incobrables, neta #N/A
Rsultat non oprationnel RESULTADO NO OPERACIONAL NETO #N/A
Rsultat oprationnel RESULTADO DE OPERACIN NETO #N/A
Charges non oprationnelles Gastos No Operacionales #N/A
Produits non oprationnels Ingresos No Operacionales #N/A
Charges d'exploitation Gastos Operacionales #N/A
Autres charges administratives Otros Gastos Administrativos #N/A
Autres charges administratives Otros Gastos Administrativos #N/A
Autres ch. fin. lies aux services financiers Otros Gastos Financieros #N/A
Autres charges financires lies aux services financiers Otros Gastos Financieros #N/A
Autres produits lis aux services financiers Otros Ingresos Rel. a los Servicios Financieros #N/A
Autres produits lis aux services financiers Otros Ingresos Financieros Relacionados a los Servicios Financieros #N/A
Fin de la priode Fin del Periodo #N/A
Dbut de la priode Inicio del Periodo #N/A
Charges de personnel (dont charges sociales) Gastos de Personal #N/A
Dot. aux prov. pour prts irrcouvrables Gasto de la Provisin para Incobrables #N/A
Recouvrement de prts rays Recuperacin de Prstamos Castigados #N/A
Dotations au compte d'ajustement pour cots de financement subventionns Gastos Netos del Ajuste por Subsidios al Costo de Fondos #N/A
Impt sur les bnfices Impuestos Impostos
Recouvrement de prts radis Recup. de Prst. Castigados #N/A
Charges pour compenser la diffrence entre le taux de march et le taux subventionn des emprunts Gastos netos del ajuste por la diferencia entre tasas del mercado y tasas subsidiadas de las obligaciones. #N/A
Charges pour compenser la diffrence entre le taux de march et le taux subventionn des emprunts de l'institution (compte rserv l'usage du MIX). Gastos netos del ajuste por la diferencia entre tasas del mercado y tasas subsidiadas de las obligaciones. ( MIX) #N/A
Dotation pour dtrioration ou rparation du matriel Reserva para depreciacin y reemplazo final de equipo. #N/A
La valeur des dotations au compte d'ajustement l'inflation Gasto de mantenimiento del valor del patrimonio. #N/A
Subventions aux oprations de l'institution Donaciones a la institucin para subsidiar operaciones. #N/A
Ch. issues d'une activit sans lien direct la prestation de services financiers (ex. dveloppement de services de conseil) Gastos de actividades no relacionadas al negocio bsico de la provisin de servicios financieros. Este mismo podra incluir a gastos por consultora o el desarrollo de servicios del desarrollo empresarial. , - , BDS ( ) . #N/A
Produits d'exploitation moins les ch. fin., dot. aux prov. pour pertes sur prts et ch. d'exploitation Ingreso financiero menos gasto financiero (neto de la provisin para incobrables y gastos operacionales). , #N/A
Produits financiers moins charges financires Ingreso financiero menos el Gasto financiero. #N/A
La valeur des reprises au compte d'ajustement l'inflation Ingreso sobre el valor de los activos fijos debido a inflacin. #N/A
Les impts pays sur le Rsultat net ou sur toute autre mesure de revenus comme dfinie par les autorits fiscales locales. Incluye a todos los impuestos pagados al resultado neto u otro resultado segn las normas de las autoridades locales. , #N/A
Intrts et frais pays sur les emprunts Inters y comisiones pagadas por obligaciones. , . #N/A
Intrts et frais pays sur les comptes de dpts Inters pagado por depsitos a la vista o depsitos a plazo. . #N/A
Intrts perus sur l'encours de prts Inters pagado por la cartera de prstamos. #N/A
Somme des dot. aux prov. pour prts irrcouv., des reprises sur prov et la perte sur prts irrcouv. Provisin para incobrables del periodo. #N/A
Les gains nets raliss sur les investissements Ingresos netos por otros activos financieros. #N/A
Rsultat net, aprs impts et subventions. Resultado neto (despus de impuestos y antes de donaciones) ms donaciones. ( ) #N/A
Rsultat net, aprs impts et avant subventions Resultado neto (antes de impuestos y donaciones) menos impuestos. ( ) #N/A
Rsultat d'exploitation plus rsultat hors exploitation Ingreso operacional menos el resultado no operacional. #N/A
Rsultat d'exploitation plus rsultat hors exploitation. #N/A #N/A #N/A
Somme des prod. hors exploitation et prod. exceptionnels nets moins ch. hors exploitation Ingresos no operacionales menos gastos no operacionales. #N/A
Autres charges lies la prestation des services financiers, y compris les charges lies aux services financiers, ainsi que les pertes nettes de change Otros gastos por la provisin de servicios financieros, incluso gastos no financieros sobre productos financieros, adems de depreciacin de cambio (neta). , , #N/A
Autres charges (hors personnel) relatives aux prestations financires Otros gastos administrativos (no para personal). , #N/A
#N/A #N/A #N/A #N/A
#N/A #N/A #N/A #N/A
Pnalits, commissions et autres frais perus sur l'encours de prts Penalizaciones y comisiones recibidas por la cartera de prstamos. , #N/A
Impressions, petites fournitures de bureaux, photocopies, livres, etc. Impresos, suministros, fotocopias, libros etc. , , , . #N/A
Loyers et charges externes Arriendo y servicios pblicos. #N/A
Valeur nette de l'ajustement l'inflation. Rserv aux institutions ayant une comptabilit inflationnaire Reservado para instituciones que usan contabilidad inflacionaria. Saldo neto del ajuste por inflacin. , , . . #N/A
Produits issus d'une activit sans lien direct la prestation de services financiers, y compris la vente de produits technologiques ou produits de conseils en entreprise. Ingresos de actividades no relacionadas al negocio bsico de la provisin de servicios financieros. Este mismo podra incluir a ingresos por consultora, venta de productos para sistemas informticos o comisiones para servicios del desarrollo empresarial. , . , BDS #N/A
#N/A #N/A , . , (BDS) #N/A
Salaires, avantages sociaux et autres charges patronales pays pour l'ensemble des effectifs de l'institution Salarios, comisiones por consultora, retenciones, beneficios complementarios y impuestos por personal pagados por todos los empleados de la institucin. , , , #N/A
La somme de la dotation aux provisions pour pertes sur prts et du recouvrement des prts rays du portefeuille. La suma de la provisin por incobrables y la recuperacin de prstamos. #N/A
Somme de la dot. aux prov. pour pertes sur prts et du recouvrement des prts rays du portefeuille #N/A #N/A
Somme des intrts, frais et comm. perus sur l'encours de prts Total del inters, honorarios y comisiones por la cartera de prstamos. , #N/A
La somme des charges sur dettes, les dot. au compte d'ajustement pour cots de financement subv. et autres ch. fin. lies aux services financiers Total de los gastos por obligaciones, ajustes por inflacin y costo de fondos adems de gastos por otros servicios financieros. , , . #N/A
La somme des charges sur comptes de dpts et sur emprunts Total del inters y comisiones pagadas por obligaciones. #N/A
La somme des charges de personnel et des charges administratives Total de los gastos de personal y gastos administrativos. #N/A
La somme des loyer et charges, transport, matriel et fournitures de bureau, dotations aux amortissements et autres charges administratives Total de los gastos por arriendo, servicios pblicos, transporte, suministros, depreciacin y otros gastos administrativos. , , , . #N/A
La somme des produits sur portefeuille et sur investissements, ainsi qu'autres produits financiers issus de services financiers Total de los ingresos por la cartera de prstamos y otros activos financieros, adems de otros ingresos financieros de servicios financieros. , . #N/A
Reprise sur prts rays Total de la recuperacin de prstamos castigados. #N/A
Frais de transport du personnel pour dplacements sur le terrain Transporte del personal para atender a los clientes y manejar las operaciones. #N/A
Salaire moyen/ PNB par habitant Salario Promedio/ PNB Per Cpita . #N/A
Cot par emprunteur Gasto por Prestatario #N/A
Cot par prt Gasto por Prstamo #N/A
EFFICIENCE EFICIENCIA #N/A
Ratio de ch. d'exploitation au portefeuille Gastos Operacionales/ Cartera Bruta / #N/A
Ratio de ch. de personnel au portefeuille Gastos de Personal/ Cartera Bruta / #N/A
Montant moyen des ch. de personnel, ajust/ PNB par habitant Gasto de Personal Promedio Ajustado/ INB per cpita / . #N/A
Charges d'exploitation, ajustes/ Encours brut moyen de prts Gastos Operacionales Ajustados/ Cartera Bruta de Prstamos Promedio Ajustada / #N/A
Charges oprationnelles, ajustes/ Nombre moyen d'emprunteurs actifs, ajust Gastos Operacionales Ajustados/ Prestatarios Activos Promedio Ajustado / #N/A
Charges oprationnelles, ajustes/ Nombre moyen de prts en cours, ajust Gastos Operacionales Ajustados/ Prstamos Vigentes Promedio Ajustado / #N/A
Ch. de personnel, ajustes/ Encours brut moyen de prts Gasto de Personal Ajustado/ Cartera Bruta de Prstamos Promedio Ajustada / #N/A
Ratio de ch. d'ajustement Razn de Gasto de Ajustes . #N/A
Ratio de ch. administratives Razn de Gasto Administrativo . . #N/A
CHARGES D'EXPLOITATION GASTOS Despesas
Ratio de ch. financires l'actif Gasto Financiero/ Activo Total . . . #N/A
Ratio de ch. d'exploitation l'actif Gasto Operacional/ Activo Total #N/A
Ratio de ch. de personnel Razn de Gasto de Personal . #N/A
Ratio de dotations aux provisions pour prts irrcouvrables Gasto de Provisin para Cartera/ Activo Total . #N/A
Ratio de ch. totales l'actif Gasto Total/ Activo Total . #N/A
(Rsultat oprationnel, ajust - Rsultat oprationnel non-ajust)/ Actif moyen Resultado operacional neto - Resultado operacional neto no ajustado/ Promedio del total del activo ajustado ( ) / #N/A
(Rsultat net d'exploitation, non-retrait - Rsultat net d'exploitation, retrait)/ Actif moyen, retrait (Resultado Operacional Neto No Ajustado - Resultado Operacional Neto Ajustado)/ Activo Total Promedio Ajustado #N/A #N/A
(Ch. financires + Dotations nettes aux Provisions pour prts irrcouvrables + Ch. d'exploitation) ajustes/ Actif moyen (Gastos financieros + Gasto de Provisin para Cartera de Prstamos, neta + Gastos operacionales) Ajustado/ Activo Total Promedio Ajustado ( + + ) / #N/A
Ch. administratives, ajustes/ Actif moyen Gastos Administrativos Ajustados/ Activo Total Promedio Ajustado / #N/A
Ch. financires retraites/ Actif moyen, retrait Gastos Financieros Ajustados/ Activo Total Promedio Ajustado / #N/A
Dot. nettes aux Provisions pour prts irrcouvrables, ajustes/ Actif moyen Gasto de Provisin para Cartera de Prstamos, neta Ajustada/ Activo Total Promedio Ajustado / #N/A
Charges d'exploitation, ajustes/ Actif moyen (Gastos operacionales + Donaciones en Especie)/ Activo Total Promedio Ajustado / #N/A
Ch. de personnel, ajustes/ Actif moyen Gasto de Personal / Activo Total Promedio Ajustado / #N/A
Auto-suffisance financire Autosuficiencia Financiera #N/A
Auto-suffisance oprationnelle Autosuficiencia Operacional #N/A
PERFORMANCE FINANCIRE GLOBALE DESEMPEO FINANCIERO GENERAL #N/A
Rendement de l'actif Retorno sobre Activos #N/A
Rendement des fonds propres Retorno sobre Patrimonio Rendimento sobre Patrimnio
Rsultat oprationnel ajust, aprs impts/ Montant moyen de l'actif Resultado de operacin ajustado, desp. de impuestos/ Promedio del total del activo ajustado , / #N/A
Rsultat oprationnel ajust, aprs impts/ Montant moyen des fonds propres Resultado de operacin ajustado, desp. de impuestos/ Promedio del total del patrimonio ajustado , / #N/A
Produits financiers, ajusts/ (Ch. financires + Dot. nettes aux Provisions pour prts irrcouvrables + Ch. d'exploitation) ajustes Ingresos financieros Ajustados/ (Gastos financieros + Gasto de Provisin para Cartera de Prstamos + Gastos operacionales) Ajustados / ( + + ) #N/A
Produits financiers/ (Ch. financires + Dot. nettes aux Prov. pour prts irrcouv. + Ch. d'exploitation) Ingresos financieros/ (Gastos financieros + Gasto de Provisin para Cartera de Prstamos, neta + Gastos operacionales) / ( + + ) #N/A
Capital/ Actif Patrimonio / Activos . / #N/A
Financement au taux du march Razn de Obligaciones Comerciales . #N/A
Ratio Dettes/ Fonds Propres Razn Deuda/ Capital . #N/A
Epargne sur encours de prts Depsitos/ Cartera Bruta / #N/A
Epargne sur actif total Depsitos/ Activo Total / #N/A
STRUCTURE DE FINANCEMENT ESTRUCTURA DE FINANCIAMIENTO #N/A
Encours de prts sur actif total Cartera Bruta/ Total del Activo / #N/A
Total dettes au Taux du march / Encours brut de prts Total de los pasivos al "Precio del Mercado"/ Cartera bruta de prstamos / #N/A
Encours brut de prts, ajust/ Total de l'actif, ajust Cartera Bruta de Prstamos Ajustada/ Activo Total Ajustado / #N/A
Total fonds propres ajusts/ Total actif ajust Patrimonio Total Ajustado/ Activo Total Ajustado / #N/A
Total dettes, ajust/ Total fonds propres, ajust Pasivo Total Ajustado/ Patrimonio Total Ajustado / #N/A
pargne/ Encours brut de prts, ajust Total de depsitos/ Cartera bruta de prstamos ajustada / #N/A
pargne/ Total actif, ajust Total de depsitos/ Total del activo ajustado / #N/A
Age Edad #N/A
CARACTRISTIQUES INSTITUTIONELLES CARACTERSTICAS INSTITUCIONALES #N/A
Nombre d'IMFNmero de IMFs #N/A
Bureaux Nmero de Oficinas #N/A
Effectifs du personnel Nmero de Personal Pessoal
TOTAL DE L'ACTIF TOTAL DEL ACTIVO Ativos Totais
Nombre (incluant le sige) N (incluso las oficinas centrales) , #N/A
Effectifs du groupe Tamao de la muestra #N/A
Actif Total, ajust pour l'inflation, le provisionnement pour prts irrcouvrables et la radiation de prts Total del activo, ajustado por inflacin y por provisin para incobrables y castigos estandardizados #N/A
Nombre total d'employs N total de empleados #N/A
Annes d'existence Aos de existencia #N/A
Montant d'pargne moyen Saldo Promedio por Cuenta de Depsitos . #N/A
Montant de dpt moyen/ RNB par habitant Saldo Promedio por Cuenta de Depsitos/ INB per Cpita . / #N/A
Montant moyen d'pargne par pargnant Saldo Promedio por Depositante . #N/A
Montant moyen de dpt par dposant/ RNB par habitant Saldo Promedio por Depositante/ INB per Cpita . / #N/A
Solde moyen de crdit par emprunteur Saldo Promedio de Crditos por Prestatario #N/A
Solde moyen de prt par emprunteur/ PNB par habitant Saldo Promedio de Crditos por Prestatario/ PNB per Cpita / #N/A
Solde de prt moyen Saldo Promedio de Crditos Vigentes Saldo Mdio
Solde de crdit moyen/ RNB par habitant Saldo Promedio de Crditos/ INB per Cpita / #N/A
Nombre d'emprunteurs actifs Nmero de prestatarios actuales #N/A
Nombre d'emprunteurs Nmero de prestatarios - #N/A
Nombre de crdits en cours Nmero de prstamos vigentes #N/A
Nombre de comptes d'pagne Nmero de Cuentas de Depsito - #N/A
Nombre d'pargnants Nmero de Depositantes - #N/A
INDICATEURS DE PORTE INDICADORES DE ESCALA #N/A
Pourcentage d'emprunteurs femmes Porcentaje de Prestatarias (Mujeres) - #N/A
pargne Ahorros #N/A
Solde moyen de prt par emprunteur, ajust/ PNB par habitant Saldo promedio de los crditos por prestatario, ajustado/ PNB per cpita / . #N/A
Solde de prt moyen, ajust/ PNB par habitant Saldo Promedio de Prstamos Vigentes Ajustado/ INB per cpita / . #N/A
Encours brut de prts, ajust/ Nombre d'emprunteurs actifs, ajust Cartera Bruta de Prstamos Ajustada/ Nmero de Prestatarios Activos Ajustado / #N/A
Encours brut de prts, ajust/ Nombre de prts en cours, ajust Cartera Bruta de Prstamos Ajustada/ Nmero de Prstamos Vigentes / #N/A
Encours brut de prts, ajust/ Total de l'actif, ajust Cartera Bruta de Prstamos Ajustada/ Activo Total Ajustado / #N/A
Encours brut de prts, ajust pour la radiation normalise de prts Cartera Bruta de Prstamos, Ajustada por Castigos Estandardizados #N/A
Nombre d'emprunteurs actifs femmes/ Nombre d'emprunteurs actifs, ajust Nmero de Prestatarias (mujeres) Activas/ Nmero de Prestatarios Activos Ajustado - / #N/A
Nombre d'emprunteurs avec un prt en cours, ajust pour la radiation normalise de prts Nmero de Prestatarios con Prstamos Vigentes, Ajustado por Castigos Estandardizados #N/A
Nombre d'pargnants avec des comptes d'pargne volontaire vue ou terme Nmero de depositantes voluntarios con cuentas corrientes, cuentas de ahorro y depsitos a plazo , - #N/A
Nombre de prts en cours, ajust pour la radiation normalise de prts Nmero de Prstamos Vigentes, Ajustado por Castigos Estandardizados #N/A
Nombre total d'pargnants Nmero total de Depositantes (considerando todos los tipos de cuentas de depsito) - #N/A
Nombre total de comptes d'pargne Nmero total de Cuentas de Depsito
Montant total des comptes d'pargne Saldo total de las Cuentas de Depsito - #N/A
Total de l'pargne/ Nombre total de comptes d'pargne Depsitos / Nmero de Cuentas de Depsito / #N/A
Total de l'pargne/ Nombre d'pargnants total Depsitos/ Nmero de Depositantes / #N/A
Emprunteurs par agent de crdit Prestatarios por Oficial de Crdito - #N/A
Emprunteurs par effectif du personnel Prestatarios por Personal - #N/A
Comptes d'pargne par effectif du personnel Cuentas de Depsito por Personal - #N/A
Prts par agent de crdit Prstamos por Oficial de Crdito - #N/A
Prts par effectif du personnel Prstamos por Personal - #N/A
Distribution du personnel Razn de Distribucin de Personal . #N/A
PRODUCTIVIT Productividad #N/A
Epargnants par effectif du personnel Depositantes por Personal - #N/A
Nombre d'emprunteurs actifs, ajust/ Nombre d'agents de crdit Nmero de Prestatarios Activos/ Nmero de Oficiales de Crdito / #N/A
Nombre d'emprunteurs actifs, ajust/ Effectifs du personnel Nmero de Prestatarios Activos Ajustado/ Nmero de Personal / #N/A
Nombre de prts en cours, ajust/ Nombre d'agents de crdit Nmero de Prstamos Vigentes Ajustado/ Nmero de Oficiales de Crdito / #N/A
Nombre de prts en cours, ajust/ Effectifs du personnel Nmero de Prstamos Vigentes Ajustado/ Nmero de Personal / #N/A
Nombre de comptes d'pargne / Effectifs du personnel Nmero de Cuentas de Depsito/ Nmero de Personal / #N/A
Nombre d'agents de crdit/ Effectifs du personnel Nmero de Oficiales de Crdito/ Nmero de Personal / #N/A
Nombre d'pargnants ./ Effectifs du personnel Nmero de Depositantes / Nmero de Personal / #N/A
Ratio des produits financiers sur actif Razn de Ingreso Financiero. . #N/A
Marge bnficiaire Margen de Ganancia #N/A
PRODUITS D'EXPLOITATION INGRESOS Receitas
Rendement nominal du portefeuille brut Rendimiento Nominal sobre la Cartera Bruta () #N/A
Rendement rel du portefeuille brut Rendimiento Real sobre la Cartera Bruta () #N/A
(Rendement nominal du portefeuille brut - Taux d'inflation)/ (1 + Taux d'inflation) (Rendimiento nominal sobre la cartera bruta - Tasa de inflacin)/ (1 + Tasa de inflacin) ( () ) / (1 + ) #N/A
Intrts, frais et commissions perus sur le portefeuille de crdits/ Encours de crdits brut moyen, retrait Ingresos Financieros por Cartera Bruta de Prstamos/ Cartera Bruta de Prstamos Promedio Ajustada / #N/A
Produits financiers, ajusts/ Actif moyen Ingresos financieros Ajustados/ Activo Total Promedio Ajustado / #N/A
Rsultat oprationnel, ajust/ Produits financiers, ajusts Resultado de operacin neto Ajustado/ Ingresos operacionales Ajustados / #N/A
Ratio de liquidit gnrale Razn Corriente #N/A
Taux de pertes sur prts Tasa de Prstamos Incobrables #N/A
Actifs non productifs en pourcentage de l'actif total Activos Lquidos No Prod./ Activo Total % #N/A
Portefeuille risque > 30 jours Cartera en Riesgo > 30 Das > 30 #N/A
RISQUES ET LIQUIDIT RIESGO Y LIQUIDEZ #N/A
Taux de couverture du risque Razn de Cobertura de Riesgo #N/A
Taux de radiation de prts Razn de Prstamos Castigados . #N/A
Valeur des prts radis, ajuste et diminue des reprises de capital/ Encours brut moyen de prts Prstamos castigados ajustados, neto de recuperaciones/ Promedio de la cartera bruta ajustada / #N/A
Caisses et disponibilits bancaires/ Total actif, retrait Caja y Banco Ajustado/ Activo Total Ajustado / #N/A
Provision pour prts irrcouvrables, ajuste/ PAR > 30 jours Provisin para Cartera de Prstamos/ Cartera en Riesgo > 30 das / PAR > 30 #N/A
Valeur des prts radis, ajuste/ Encours brut moyen de prts Valor de Prstamos Castigados Ajustado/ Cartera Bruta Promedio Ajustada / #N/A
Capital restant d pour prts avec montants chus > 30 jours/ Encours brut de prts, ajust Saldo de Prstamos Atrasados > 30 das/ Cartera Bruta de Prstamos Ajustada > 30 / #N/A
Capital restant d pour prts avec montants chus > 90 jours/ Encours brut de prts, ajust Saldo de Prstamos Atrasados > 90 das/ Cartera Bruta de Prstamos Ajustada > 90 / #N/A
Actif court terme/ Passif court terme Activo de Corto Plazo / Pasivo de Corto Plazo / #N/A
-- non affili -- -- no afiliado -- #N/A -- nao affiliated --
28/29 fvrier 28/29 de febrero #N/A 28/29 de fevereiro
30 avril #N/A #N/A 30 de abril
30 juin 30 de junio #N/A 30 de junho
30 novembre 30 de noviembre #N/A 30 de novembro
30 septembre30 de septiembre #N/A 30 de setembro
31 aot #N/A #N/A 31 de agosto
31 dcembre 31 de diciembre #N/A 31 de dezembro
31 janvier 31 de enero #N/A 31 de janeiro
31 juillet #N/A #N/A #N/A
31 mars 31 de marzo #N/A 31 de maro
31 mai 31 de mayo #N/A 31 de maio
31 octobre 31 de octubre #N/A 31 de outubro
Compte Cuenta #N/A
Actif Activ #N/A #N/A
#N/A Cuentas Auditadas #N/A #N/A
#N/A Presupuesto Oramento
Anglais #N/A #N/A #N/A
Evaluateurs externes, Agence de Rating #N/A #N/A #N/A
Franais #N/A #N/A #N/A
Groupe #N/A Grupo
Haute priorit #N/A #N/A #N/A
Hyperlien vers une page HTML #N/A #N/A #N/A
Inactif #N/A #N/A #N/A
#N/A Indicadores Claves #N/A #N/A
Rseaux d'affiliation #N/A #N/A #N/A
Non No . No
#N/A No revisadas cuentas #N/A #N/A
Non visible #N/A #N/A #N/A
Espagnole #N/A #N/A #N/A
Autorit de supervision #N/A #N/A #N/A
Non class #N/A #N/A #N/A
Oui S Sim
Date de fin d'extraction #N/A #N/A #N/A
Date de dbut d'extraction#N/A #N/A #N/A
Niveau d'accs #N/A #N/A #N/A
Activits #N/A #N/A #N/A
Adresse Direccin: #N/A
Adresses #N/A #N/A #N/A
Charges administratives #N/A #N/A #N/A
Ville #N/A #N/A #N/A
Commentaire #N/A #N/A #N/A
Company : Rfrences #N/A #N/A #N/A
Contenu #N/A #N/A #N/A
Contenu bas #N/A #N/A #N/A
#N/A Contenu HAUT #N/A #N/A
Cot total des biens vendus #N/A #N/A #N/A
Pays Pas #N/A
Devise Moneda #N/A
Nom du fichier #N/A #N/A #N/A
Charges financires #N/A Custos financeiros
Prnom(s) #N/A #N/A #N/A
Fonction #N/A #N/A #N/A
Monnaie du fond #N/A #N/A #N/A
Fund structure: Comments#N/A #N/A #N/A
Investissement en quipement #N/A #N/A #N/A
Nom #N/A #N/A #N/A
Ventes locales #N/A #N/A #N/A
Profit net #N/A #N/A #N/A
Date de la news #N/A #N/A #N/A
Titre de la news #N/A #N/A #N/A
Organisation / Entreprise #N/A #N/A #N/A
Autres Otros Outro
Autres charges #N/A #N/A #N/A
Autres revenus #N/A Outras receitas
Autre produitsOtros productos #N/A
Numro de tlphone Telfono #N/A
Tlphone (2) #N/A #N/A #N/A
Poduits #N/A Produtos
Fin de publication #N/A #N/A #N/A
Dbut de publication #N/A #N/A #N/A
Rgion #N/A #N/A Regio
Fin de priode relative (en jours) #N/A #N/A #N/A
Dbut relatif d'extration (en jours) #N/A #N/A #N/A
Nom du site #N/A #N/A #N/A
Etat / Province #N/A #N/A #N/A
Rue #N/A #N/A #N/A
Rue (2) #N/A #N/A #N/A
Rue (3) #N/A #N/A #N/A
Cible #N/A #N/A #N/A
Charge fiscale #N/A #N/A #N/A
Titre #N/A #N/A #N/A
TOTAL DE L'ACTIF TOTAL DEL ACTIVO Ativos Totais
Ventes totales #N/A #N/A #N/A
Date valeur #N/A #N/A #N/A
Visibilit #N/A #N/A #N/A
Site web #N/A #N/A #N/A
Site web (2) #N/A #N/A #N/A
#N/A Website #N/A #N/A
Code postal #N/A #N/A
Rsum #N/A #N/A #N/A
Opinion de l'auditeur Opinin del auditor #N/A Opinio do auditor
Procdure d'autorisation #N/A #N/A #N/A
Bank #N/A #N/A Banco
Opinion du CAOpinin del junta directiva #N/A Opinio da Assemblia Geral
Bas #N/A #N/A #N/A
Conseil en dveloppement des entreprises Servicios de desarrollo empresarial #N/A Servios para desenvolvimento empresarial
Subventions pour le renforcement de capacit Donaciones para el fomento de capacidad #N/A Doaes para fomentar capacidade
#N/A #N/A #N/A Gerente Executivo
Directeur (administratif et) financier Gerente Financiero #N/A Gerente Financeiro
Cooprative / Caisse mutuelle #N/A #N/A Cooperativa
#N/A #N/A #N/A Gerente de Emprstimos
Quotidienne #N/A #N/A #N/A
Procdure dclarative #N/A #N/A #N/A
Subventions Donaciones para Subsidiar Servicios Financieros - Doaes
#N/A #N/A #N/A No
#N/A #N/A #N/A Doutor
#N/A Educacin #N/A Educao
#N/A #N/A #N/A Investimentos em participao acionria
Equity Investment #N/A #N/A #N/A
Complet #N/A #N/A #N/A
Services financiers commerciaux Otros servicios financieros #N/A Outros servios financeiros
Entirement #N/A #N/A Completamente
#N/A #N/A #N/A Consultor de Fundos
#N/A #N/A #N/A Diretor de Fundos
Envoi de fondsTransferencia de Fondos #N/A Transferncias de Fundos
#N/A #N/A #N/A Doaes/Subsdios
#N/A #N/A #N/A Garantias
Sant Salud #N/A Sade
Assurance Seguro #N/A Seguros
Crdit bail Arrendamientos #N/A Leasing (arrendamento)
Dettes Prstamos #N/A Emprstimos
Prts (monnaie locale) Prstamos (moneda local) #N/A Emprstimos (em moeda local)
Prts ($US) Prstamos ($USD) #N/A Emprstimos (em Dlares)
Adresse principale #N/A #N/A #N/A
Microfinance integrated with economic services (i.e., Business Development Services) #N/A #N/A #N/A
Mlle Srta. #N/A Senhorita
Mensuelle #N/A . Mensalmente
M. Sr. #N/A Senhor
Mme. Sra. #N/A Senhora
#N/A d #N/A #N/A
Non No . No
Intermdiare financier non bancaire Intermediario financiero no bancario #N/A Intermedirio financeiro no bancrio
#N/A #N/A #N/A ONG
Non.Visible Non-Visible #N/A #N/A
Autres Otros Outro
Partiellement #N/A #N/A Parcialmente
Partners/members/affiliates pays full cost #N/A #N/A #N/A
Pr. #N/A #N/A #N/A
#N/A #N/A #N/A Diretor do Programa
Opinion d'agence de notation Calificacin #N/A Rating/Avaliao
Epargne Depsitos Depsitos de Poupana
Adresse secondaire #N/A #N/A #N/A
Prts aux IMFPrstamos de segundo piso a IMFs #N/A Emprstimos de segundo nivel s IMFs
Participation des membres Capital Social #N/A Acionistas
Haut #N/A Topo
Formation/consultation Capacitacin/Asesora #N/A #N/A
pargne volontaire Ahorros Voluntarios Poupana voluntria
Hebdomadaire #N/A Semanalmente
Annuelle #N/A Anualmente
Oui S Sim
( > 8 ans) ( > 8 Aos) ( > 8 ) #N/A
(0 4 ans) (0 a 4 Aos) (0 4 ) #N/A
(5 8 ans) (5 a 8 Aos) (5 8 ) #N/A
Age: Edad: : #N/A
Benchmarks par ge et taille Benchmarks por Edad y Escala #N/A
Mature Madura #N/A
Nouvelle Nueva Novo
Jeune Joven #N/A
(Banque) (Banco) () #N/A
(Cooprative) (Cooperativa) ( ) #N/A
(Intermdiaire financier non bancaire) (Intermediario Financiero No Bancario) ( )#N/A
(Organisation non-gouvernementale) (Organizacin No Gubernamental) ( ) #N/A
(Banque rurale) (Banco rural) ( ) #N/A
Banque Banco #N/A
Benchmark par statut juridique Benchmarks por Estatuto Jurdico - -. #N/A
Statut juridique: Estatuto Jurdico: - : #N/A
Cooprative Cooperativa #N/A
IFNB IFNB #N/A
ONG ONG #N/A
Banque ruraleBanco rural Banco Rural
(Afrique; PF < $2,000,000 et Prt moyen par emprunteur/ PNB par habitant < 20% et Prt moyen par emprunteur < USD 150) (frica; CBP < $2,000,000 y Saldo Promedio por Prestatario/ INB per Capita < 20% y Balance Media por Prestatario < USD 150) (; < 2 000 000 .; . . . / . < 20% . . . . < 150 . ) #N/A
(Afrique; PF < $2,000,000 et Prt moyen par emprunteur/ PNB par habitant 20% et 150%) (frica; CBP < $2,000,000 y Saldo Promedio por Prestatario/ INB per Capita 20% y 150%) (; < 2 000 000 .; . . . / . 20% . . . . 150 . ) #N/A
(Afrique; PF < $2,000,000) (frica; CBP < $2,000,000) (, < 2 000,000 .) #N/A
(Afrique; PF < $2,000,000; Epargne volontaire/ Actif total < 20%) (frica; CBP < $2,000,000; y Ahorros Voluntarios/ Total del Activo < 20%) (, < 2 000 000 .; / < 20%) #N/A
(Afrique; PF < $2,000,000; Auto-suffisance financire < 100%) (Africa; CBP < $2,000,000; Auto-Suficiencia Financiera < 100%) (; < $2,000,000; < 100%) #N/A
(Afrique; PF < $2,000,000; Auto-suffisance financire > 100%) (Africa; CBP < $2,000,000; Auto-Suficiencia Financiera > 100%) (; < $2,000,000; > 100%) #N/A
(Afrique; PF < $2,000,000; Epargne volontaire/ Actif total 20%) (frica; CBP < $2,000,000; Ahorros Voluntarios/ Total del Activo 20%) (, < 2 000 000 .; / 20%) #N/A
(Afrique; PF > $8,000,000; Auto-suffisance financire < 100%) (Africa; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%) (; > $8,000,000; < 100%) #N/A
(Afrique; PF > $8,000,000; Auto-suffisance financire > 100%) (Africa; CBP > $8,000,000; Auto-Suficiencia Financiera > 100%) (; > $8,000,000; > 100%) #N/A
(Afrique;PF > $8,000,000; Epargne volontaire/ Actif total < 20%) (frica; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo < 20%) (, > 8 000 000 .; / < 20%) #N/A
(Afrique; PF > $8,000,000; Epargne volontaire/ Actif total 20%) (frica; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo 20%) (, > 8 000 000 .; / 20%) #N/A
(Afrique; PF $2,000,000 et $8,000,000; Auto-suffisance financire < 100%) (Africa; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera < 100%) (; $2,000,000 and $8,000,000; < 100%) #N/A
(Afrique; PF $2,000,000 et $8,000,000; Auto-suffisance financire > 100%) (Africa; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera > 100%) (; $2,000,000 and $8,000,000; > 100%) #N/A
(Afrique; PF $2,000,000 et $8,000,000; Epargne volontaire/ Actif total 20%) (frica; CBP $2,000,000 y $8,000,000; Ahorros Voluntarios/ Total del Activo 20%) (, 2 000,000 . 8 000 000; / 20% #N/A
(Afrique; PF $2,000,000 et $8,000,000; Epargne volontaire/ Actif total < 20%) (frica; CBP $2,000,000 y $8,000,000; y Ahorros Voluntarios/ Total del Activo < 20%) (, 2 000,000 8 000 000 .; / <20% #N/A
(Asie; PF < $2,000,000) (Asia; CBP < $2,000,000) (; < 2 000,000 .) #N/A
(Asie; PF < $2,000,000; Auto-suffisance financire < 100%) (Asia; CBP < $2,000,000; Auto-Suficiencia Financiera < 100%) (; < $2,000,000; < 100%) #N/A
(Asie; PF < $2,000,000; Auto-suffisance financire > 100%) (Asia; CBP < $2,000,000; Auto-Suficiencia Financiera > 100%) (; < $2,000,000; > 100%) #N/A
(Asie; PF < $2,000,000; Epargne volontaire/ Actif total < 20%) (Asia; CBP < $2,000,000; Ahorros Voluntarios/ Total del Activo < 20%) (; < 2 000 000 .; / < 20%) #N/A
(Asie; PF < $2,000,000; Epargne volontaire/ Actif total 20%) (Asia; CBP < $2,000,000; Ahorros Voluntarios/ Total del Activo 20%) (; < 2 000 000 .; / 20%) #N/A
(Asie; PF > $8,000,000; Auto-suffisance financire < 100%) (Asia; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%) (; > $8,000,000; < 100%) #N/A
(Asie; PF > $8,000,000; Auto-suffisance financire > 100%) (Asia; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%) (; > $8,000,000; > 100%) #N/A
(Asie; PF > $8,000,000; Epargne volontaire/ Actif total < 20%) (Asia; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo < 20%) (; > 8 000 000 .; / < 20%) #N/A
(Asie; PF > $8,000,000; Epargne volontaire/ Actif total 20%) (Asia; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo 20%) (; > 8 000 000 .; / 20%) #N/A
(Asie; PF $2,000,000 et $8,000,000; Auto-suffisance financire < 100%) (Asia; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera < 100%) (; $2,000,000 and $8,000,000; < 100%) #N/A
(Asie; PF $2,000,000 et $8,000,000; Auto-suffisance financire > 100%) (Asia; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera > 100%) (; $2,000,000 and $8,000,000; > 100%) #N/A
(Asie; PF $2,000,000 et $8,000,000; Epargne volontaire/ Actif total 20%) (Asia; CBP $2,000,000 y $8,000,000; Ahorros Voluntarios/ Total del Activo 20%) (; 2 000,000 8 000 000 .; / 20%) #N/A
(Asie; PF $2,000,000 et $8,000,000; Epargne volontaire/ Actif total < 20%) (Asia; CBP $2,000,000 y $8,000,000; Ahorros Voluntarios/ Total del Activo < 20%) (; 2 000,000 8 000 000 .; / <20% #N/A
(EAC; Prt moyen par emprunteur/ PNB par habitant 150% et 275%) (ECA; Saldo Promedio por Prestatario/ PNB per Cpita > 150% y 275%) (; . . . / .> 150% 250%) #N/A
(EAC; PF < $2,000,000) (ECA; CBP < $2,000,000) (; < 2 000,000 .) #N/A
(EAC; PF < $2,000,000; Prt moyen par emprunteur/ PNB par habitant < 20% et Prt moyen par emprunteur < USD 150) (ECA; CBP < $2,000,000; y Saldo Promedio por Prestatario/ PNB per Cpita < 20% y Saldo Promedio por Prestatario < USD 150) (; < 2 000 000 .; . . . / . < 20% . . . . < 150 . ) #N/A
(EAC; PF < $2,000,000; Prt moyen par emprunteur/ PNB par habitant 20% and 150%) (ECA; CBP < $2,000,000; y Saldo Promedio por Prestatario/ PNB per Cpita 20% y 150%) (; < 2 000 000 .; (. . . / . 20% 150%) #N/A
(EAC; PF < $2,000,000; Prt moyen par emprunteur/ PNB par habitant 20% and 250%) (ECA; CBP < $2,000,000; y Saldo Promedio por Prestatario/ INB per Cpita 20% y 250%) (; < 2,000,000 .; (. . . / . 20% 250%) #N/A
(EAC; PF < $2,000,000; Auto-suffisance financire < 100%) (ECA; CBP < $2,000,000; Auto-Suficiencia Financiera < 100%) (; < $2,000,000; < 100%) #N/A
(EAC; PF < $2,000,000; Auto-suffisance financire > 100%) (ECA; CBP < $2,000,000; Auto-Suficiencia Financiera > 100%) (; < $2,000,000; > 100%) #N/A
(EAC; PF > $8,000,000; Prt moyen par emprunteur/ PNB par habitant 20% and 150%) (ECA; CBP > $8,000,000; y Saldo Promedio por Prestatario/ PNB per Cpita 20% y 150%) (; > 8 000 000 .; (. . . / . 20% 150%) #N/A
(EAC; PF > $8,000,000; Auto-suffisance financire < 100%) (ECA; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%) (; > $8,000,000; < 100%) #N/A
(EAC; PF > $8,000,000; Auto-suffisance financire > 100%) (ECA; CBP > $8,000,000; Auto-Suficiencia Financiera > 100%) (; > $8,000,000; > 100%) #N/A
(EAC; PF > $8,000,000; Epargne volontaire/ Actif total > 0 et < 20%) (ECA; CBP > $8,000,000; Depsitos Voluntarios/ Activo Total > 0 y < 20%) (; < 8 000 000 .; / > 0 < 20%) #N/A
(EAC; PF > $8,000,000; Epargne volontaire/ Actif total 20%) (ECA; CBP > $8,000,000; Depsitos Voluntarios/Activo Total 20%) (; < 8 000 000 .; / 20%) #N/A
(EAC; PF $2,000,000 et $8,000,000; Prt moyen par emprunteur/ PNB par habitant > 150%) (ECA; CBP $2,000,000 y $8,000,000; Saldo Promedio por Prestatario/ INB per Cpita > 150%) (; 2,000,000 8,000,000 .; (. . . / . > 150%) #N/A
(EAC; PF $2,000,000 et $8,000,000; Prt moyen par emprunteur/ PNB par habitant 150%) (ECA; CBP $2,000,000 y $8,000,000; Saldo Promedio por Prestatario/ INB per Cpita 150%) (; 2,000,000 8,000,000 .; (. . . / . 150%) #N/A
(EAC; PF $2,000,000 et $8,000,000; Prt moyen par emprunteur/ PNB par habitant 20% and 150%) (ECA; CBP $2,000,000 y $8,000,000; y Saldo Promedio por Prestatario/ PNB per Cpita 20% y 150%) (; 2 000,000 8 000 000 .; (. . . / . 20% 150%) #N/A
(EAC; PF $2,000,000 et $8,000,000; Auto-suffisance financire < 100%) (ECA; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera < 100%) (; $2,000,000 and $8,000,000; < 100%) #N/A
(EAC; PF $2,000,000 et $8,000,000; Auto-suffisance financire > 100%) (ECA; CBP $2,000,000 y $8,000,000; Auto-Suficiencia Financiera > 100%) (; $2,000,000 and $8,000,000; > 100%) #N/A
(ALC; PF < $4,000,000; Auto-suffisance financire < 100%) (LAC; CBP < $4,000,000; Auto-Suficiencia Financiera < 100%) (; < $4,000,000; < 100%) #N/A
(ALC; PF < $4,000,000; Auto-suffisance financire > 100%) (LAC; CBP < $4,000,000; Auto-Suficiencia Financiera > 100%) (; < $4,000,000; > 100%) #N/A
(ALC; PF < $4,000,000; Prt moyen par emprunteur/ PNB par habitant 20% et 150% ) (CBP < $4,000,000; Saldo Promedio por Prestatario/ PNB per Cpita 20% y 150% ) (; < 4 000 000 .;. . . / . 20% 150% #N/A
(ALC; PF < $4,000,000; Prt moyen par emprunteur/ PNB par habitant < 20% et Prt moyen par emprunteur < USD 150) (CBP < $4,000,000; Saldo Promedio por Prestatario/ PNB per Cpita < 20% y Saldo Promedio por Prestatario < USD 150 ) (; < 4 000 000 .;. . . / .<20% . . . . < 150 . #N/A
(ALC; PF > $15,000,000; Auto-suffisance financire < 100%) (LAC; CBP > $15,000,000; Auto-Suficiencia Financiera < 100%) (; > $15,000,000; < 100%) #N/A
(ALC; PF > $15,000,000; Auto-suffisance financire > 100%) (LAC; CBP > $15,000,000; Auto-Suficiencia Financiera > 100%) (; > $15,000,000; > 100%) #N/A
(ALC; PF > $15,000,000; Epargne volontaire/ Actif total < 20%) (CBP > $15,000,000; Ahorros Voluntarios/ Total del Activo < 20%) (; > 15 000 000 .; / < 20%) #N/A
(ALC; PF > $15,000,000; Epargne volontaire/ Actif total 20%) (CBP > $15,000,000; Ahorros Voluntarios/ Total del Activo 20%) (; > 15 000 000 .; / 20%) #N/A
(ALC; PF $4,000,000 et $15,000,000; Epargne volontaire/ Actif total 20%) (CBP $4,000,000 y $15,000,000; Saldo Promedio por Prestatario/ PNB per Cpita < 20% y Saldo Promedio por Prestatario < USD 150) (; 4 000,000 15 000 000 .; . . . / . < 20% . . . . < 150 . ) #N/A
(ALC; PF $4,000,000 et $15,000,000; Prt moyen par emprunteur/ PNB par habitant 20% et 150%) (CBP $4,000,000 y $15,000,000; Saldo Promedio por Prestatario/ PNB per Cpita 20% y 150%) (; 4 000,000 15 000 000 .; . . . / . 20% 150%) #N/A
(ALC; PF $4,000,000 et $15,000,000; Auto-suffisance financire < 100%) (LAC; CBP $4,000,000 y $15,000,000; Auto-Suficiencia Financiera < 100%) (; $4,000,000 and $15,000,000; < 100%) #N/A
(ALC; PF $4,000,000 et $15,000,000; Auto-suffisance financire > 100%) (LAC CBP $4,000,000 y $15,000,000; Auto-Suficiencia Financiera > 100%) (; $4,000,000 and $15,000,000; > 100%) #N/A
(ALC; PF $4,000,000 et $15,000,000; Epargne volontaire/ Actif total 20%) (LAC; CBP $4,000,000 y $15,000,000; Depsitos Voluntarios/ Activo Total 20%) (; 4 000,000 15 000 000 .; / 20% #N/A
(ALC; PF $4,000,000 et $15,000,000; Epargne volontaire/ Actif total < 20%) (LAC; CBP $4,000,000 y $15,000,000; Depsitos Voluntarios/ Activo Total < 20%) (; 4 000,000 15 000 000 .; / < 20% #N/A
(MOAN; PF < $2,000,000) (MENA; CBP < $2,000,000) (; < 2 000,000 .) #N/A
(MOAN; PF > $8,000,000) (MENA; CBP > $8,000,000) (; > 8 000,000 .) #N/A
(MOAN; PF $2,000,000 et $8,000,000) (MENA; CBP $2,000,000 y $8,000,000) (; 2 000,000 8 000,000 .) #N/A
Afrique Grandefrica Grande #N/A #N/A
Afrique Grande Segment intermd frica Grande Base Amplia #N/A #N/A
Afrique Grande ASF frica Grande ASF #N/A #N/A
Afrique Grande Segment suprieur frica Grande Base Alta #N/A #N/A
Afrique Grande IF leve frica Grande IF Alta #N/A #N/A
Afrique Grande Segment infrieur frica Grande Base Baja #N/A #N/A
Afrique Grande IF basse frica Grande IF Baja #N/A #N/A
Afrique Grande Pas d'IF frica Grande No IF #N/A #N/A
Afrique Grande non-ASF frica Grande No-ASF #N/A #N/A
Afrique Grande Petite entreprise frica Grande Pequea Empresa #N/A #N/A
Afrique Moyenne frica Media #N/A #N/A
Afrique Moyenne Segment intermd frica Media Base Amplia #N/A #N/A
Afrique Moyenne ASF frica Media ASF #N/A #N/A
Afrique Moyenne Segment suprieur frica Media Base Alta #N/A #N/A
Afrique Moyenne IF leve frica Media IF Alta #N/A #N/A
Afrique Moyenne Segment infrieur frica Media Base Baja #N/A #N/A
Afrique Moyenne IF basse frica Media IF Baja #N/A #N/A
Afrique Moyenne Pas d'IF frica Media No IF #N/A #N/A
Afrique Moyenne non-ASF frica Media No-ASF #N/A #N/A
Afrique Moyenne Petite entreprise frica Media Pequea Empresa #N/A #N/A
Afrique Petite frica Pequea #N/A #N/A
Afrique Petite Segment intermd frica Pequea Base Amplia #N/A #N/A
Afrique Petite ASF frica Pequea ASF #N/A #N/A
Afrique Petite Segment suprieur frica Pequea Base Alta #N/A #N/A
Afrique Petite IF leve frica Pequea IF Alta #N/A #N/A
Afrique Petite Segment infrieur frica Pequea Base Baja #N/A #N/A
Afrique Petite IF basse frica Pequea IF Baja #N/A #N/A
Afrique Petite Pas d'IF frica Pequea No IF #N/A #N/A
Afrique Petite non-ASF frica Pequea No-ASF #N/A #N/A
Afrique Petite Petite entreprise frica Pequea Pequea Empresa #N/A #N/A
Asie Grande Asia Grande #N/A #N/A
Asie Grande Segment intermd Asia Grande Base Amplia #N/A #N/A
Asie Grande ASF Asia Grande ASF #N/A #N/A
Asie Grande Segment suprieur Asia Grande Base Alta #N/A #N/A
Asie Grande IF leve Asia Grande IF Alta #N/A #N/A
Asie Grande Segment infrieur Asia Grande Base Baja #N/A #N/A
Asie Grande IF basse Asia Grande IF Baja #N/A #N/A
Asie Grande Pas d'IF Asia Grande No IF #N/A #N/A
Asie Grande non-ASF Asia Grande No-ASF #N/A #N/A
Asie Grande Petite entreprise Asia Grande Pequea Empresa #N/A #N/A
Asie MoyenneAsia Media #N/A #N/A
Asie Moyenne Segment intermd Asia Media Base Amplia #N/A #N/A
Asie Moyenne ASF Asia Media ASF #N/A #N/A
Asie Moyenne Segment suprieur Asia Media Base Alta #N/A #N/A
Asie Moyenne IF leve Asia MediaIF Alta #N/A #N/A
Asie Moyenne Segment infrieur Asia Media Base Baja #N/A #N/A
Asie Moyenne IF basse Asia Media IF Baja #N/A #N/A
Asie Moyenne Pas d'IF Asia Media No IF #N/A #N/A
Asie Moyenne non-ASF Asia Media No-ASF #N/A #N/A
Asie Moyenne Petite entreprise Asia Media Pequea Empresa #N/A #N/A
Asie Petite Asia Pequea #N/A #N/A
Asie Petite Segment intermd Asia Pequea Base Amplia #N/A #N/A
Asie Petite ASF Asia Pequea ASF #N/A #N/A
Asie Petite Segment suprieur Asia Pequea Base Alta #N/A #N/A
Asie Petite IF leve Asia Pequea IF Alta #N/A #N/A
Asie Petite Segment infrieur Asia Pequea Base Baja #N/A #N/A
Asie Petite IF basse Asia Pequea IF Baja #N/A #N/A
Asie Petite Pas d'IF Asia Pequea No IF #N/A #N/A
Asie Petite non-ASF Asia Pequea No-ASF #N/A #N/A
Asie Petite Petite entreprise Asia Pequea Pequea Empresa #N/A #N/A
GROUPES DE PAIRS COMPOSES GRUPOS PARES COMPUESTOS . #N/A
EAC Grande ECA Grande #N/A #N/A
EAC Grande Segment intermd ECA Grande Base Amplia #N/A #N/A
EAC Grande ASF ECA Grande ASF #N/A #N/A
EAC Grande Segment suprieur ECA Grande Base Alta #N/A #N/A
EAC Grande IF leve ECA Grande IF Alta #N/A #N/A
EAC Grande Segment infrieur ECA Grande Base Baja #N/A #N/A
EAC Grande IF basse ECA Grande IF Baja #N/A #N/A
EAC Grande Pas d'IF ECA Grande No IF #N/A #N/A
EAC Grande non-ASF ECA Grande No-ASF #N/A #N/A
EAC Grande Petite entreprise EAC Grande Pequea Empresa #N/A #N/A
EAC MoyenneECA Media #N/A #N/A
EAC Moyenne Segment intermd ECA Media Base Amplia #N/A #N/A
EAC Moyenne ASF ECA Media ASF #N/A #N/A
EAC Moyenne Segment suprieur ECA Media Base Alta #N/A #N/A
EAC Moyenne IF leve ECA Media IF Alta #N/A #N/A
EAC Moyenne Segment infrieur ECA Media Base Baja #N/A #N/A
EAC Moyenne IF basse ECA Media IF Baja #N/A #N/A
EAC Moyenne Pas d'IF ECA Media No IF #N/A #N/A
EAC Moyenne non-ASF ECA Media No-ASF #N/A #N/A
EAC Moyenne Petite entreprise EAC Media Pequea Empresa #N/A #N/A
EAC Petite ECA Pequea #N/A #N/A
EAC Petite Segment intermd ECA Pequea Base Amplia #N/A #N/A
EAC Petite ASF ECA Pequea ASF #N/A #N/A
EAC Petite Segment suprieur ECA Pequea Base Alta #N/A #N/A
EAC Petite IF leve ECA Pequea IF Alta #N/A #N/A
EAC Petite Segment infrieur ECA Pequea Base Baja #N/A #N/A
EAC Petite IF basse ECA Pequea IF Baja #N/A #N/A
EAC Petite Pas d'IF ECA Pequea No IF #N/A #N/A
EAC Petite non-ASF ECA Pequea No-ASF #N/A #N/A
EAC Petite Petite entreprise EAC Pequea Pequea Empresa #N/A #N/A
ALC Grande LAC Grande #N/A #N/A
ALC Grande Segment intermd LAC Grande Base Amplia #N/A #N/A
ALC Grande ASF LAC Grande ASF #N/A #N/A
ALC Grande Segment suprieur LAC Grande Base Alta #N/A #N/A
ALC Grande IF leve LAC Grande IF Alta #N/A #N/A
ALC Grande Segment infrieur LAC Grande Base Baja #N/A #N/A
ALC Grande IF basse LAC Grande IF Baja #N/A #N/A
ALC Grande Pas d'IF LAC Grande No IF #N/A #N/A
ALC Grande non-ASF LAC Grande No-ASF #N/A #N/A
ALC Grande Petite entreprise LAC GrandePequea Empresa #N/A #N/A
ALC MoyenneLAC Media #N/A #N/A
ALC Moyenne Segment intermd LAC Media Base Amplia #N/A #N/A
ALC Moyenne ASF LAC Media ASF #N/A #N/A
ALC Moyenne Segment suprieur LAC Media Base Alta #N/A #N/A
ALC Moyenne IF leve LAC Media IF Alta #N/A #N/A
ALC Moyenne Segment infrieur LAC Media Base Baja #N/A #N/A
ALC Moyenne IF basse LAC Media IF Baja #N/A #N/A
ALC Moyenne Pas d'IF LAC Media No IF #N/A #N/A
ALC Moyenne non-ASF LAC Media No-ASF #N/A #N/A
ALC Moyenne Petite entreprise LAC Media Pequea Empresa #N/A #N/A
ALC Petite LAC Pequea #N/A #N/A
ALC Petite Segment intermd LAC Pequea Base Amplia #N/A #N/A
ALC Petite ASF LAC Pequea ASF #N/A #N/A
ALC Petite Segment suprieur LAC Pequea Base Alta #N/A #N/A
ALC Petite IF leve LAC Pequea IF Alta #N/A #N/A
ALC Petite Segment infrieur LAC Pequea Base Baja #N/A #N/A
ALC Petite IF basse LAC Pequea IF Baja #N/A #N/A
ALC Petite Pas d'IF LAC Pequea No IF #N/A #N/A
ALC Petite non-ASF LAC Pequea No-ASF #N/A #N/A
ALC Petite Petite entreprise LAC Pequea Pequea Empresa #N/A #N/A
MOAN GrandeMENA Grande #N/A #N/A
MOAN Grande Segment intermd MENA Grande Base Amplia #N/A #N/A
MOAN Grande ASF MENA Grande ASF #N/A #N/A
MOAN Grande Segment suprieur MENA Grande Base Alta #N/A #N/A
MOAN Grande IF leve MENA Grande IF Alta #N/A #N/A
MOAN Grande Segment infrieur MENA Grande Base Baja #N/A #N/A
MOAN Grande IF basse MENA Grande IF Baja #N/A #N/A
MOAN Grande Pas d'IF MENA Grande No IF #N/A #N/A
MOAN Grande non-ASF MENA Grande No-ASF #N/A #N/A
MOAN Grande Petite entreprise MENA Grande Pequea Empresa #N/A #N/A
MOAN Moyenne MENA Media #N/A #N/A
MOAN Moyenne Segment intermd MENA Media Base Amplia #N/A #N/A
MOAN Moyenne ASF MENA Media ASF #N/A #N/A
MOAN Moyenne Segment suprieur MENA Media Base Alta #N/A #N/A
MOAN Moyenne IF leve MENA Media IF Alta #N/A #N/A
MOAN Moyenne Segment infrieur MENA Media Base Baja #N/A #N/A
MOAN Moyenne IF basse MENA Media IF Baja #N/A #N/A
MOAN Moyenne Pas d'IF MENA Media No IF #N/A #N/A
MOAN Moyenne non-ASF MENA Media No-ASF #N/A #N/A
MOAN Moyenne Petite entreprise MENA Media Pequea Empresa #N/A #N/A
MOAN Petite MENA Pequea #N/A #N/A
MOAN Petite Segment intermd MENA Pequea Base Amplia #N/A #N/A
MOAN Petite ASF MENA Pequea ASF #N/A #N/A
MOAN Petite Segment suprieur MENA Pequea Base Alta #N/A #N/A
MOAN Petite IF leve MENA Pequea IF Alta #N/A #N/A
MOAN Petite Segment infrieur MENA Pequea Base Baja #N/A #N/A
MOAN Petite IF basse MENA Pequea IF Baja #N/A #N/A
MOAN Petite Pas d'IF MENA Pequea No IF #N/A #N/A
MOAN Petite non-ASF MENA Pequea No-ASF #N/A #N/A
MOAN Petite Petite entreprise MENA Pequea Pequea Empresa #N/A #N/A
(Epargne/ Actif total = 0) (Ahorros/ Total del Activo = 0)( / = 0) #N/A
(Epargne/ Actif total > 0 et<20%) (Ahorros/ Total del Activo > 0 y < 20%) ( / > 0 < 20%) #N/A
(Epargne/ Actif total 20%) (Ahorros/ Total del Activo 20%) ( / 20%) #N/A
IF IF #N/A
Intermdiation: Intermediacin: : #N/A
IF leve IF Alta . #N/A
IF basse IF Baja . #N/A
Pas d'IF No IF #N/A
(Individuelle et Solidarit; ou Individuelle, Solidarit et Caisse villageoise) (Individual y Solidario; o Individual, Solidario, y Bancos Comunales) (. . ., . Village ing) #N/A
Benchmarks par mthodologie Benchmarks por Metodologa #N/A
Individ. Individual . #N/A
Individ./ solidaire Individual/ Solidario ./ . #N/A
Mthodologie:Metodologa: : #N/A
Groupe solidaire Solidario . #N/A
Caisse villageoise Banco Comunal Village ing #N/A
(Nombre d'emprunteurs < 10,000) (Nmero de prestatarios < 10,000) ( < 10 000) #N/A
(Nombre d'emprunteurs > 30,000) (Nmero de prestatarios > 30,000) ( > 30 000) #N/A
(Nombre d'emprunteurs 10,000 et 30,000) (Nmero de prestatarios 10,000 y 30,000) ( 10 000 30 000)#N/A
Benchmarks par porte et intermdiation Benchmarks por Intermediacin y Cuartiles #N/A
Grande Grande #N/A
Grande (porte) Alto (Alcance) () #N/A
Moyenne Medio #N/A
Moyenne (porte) Medio (Alcance) () #N/A
Porte: Alcance: : #N/A
Petite Pequeo #N/A
Petite (porte)Bajo (Alcance) () #N/A
A but lucratif Con Fines de Lucro #N/A
A but non lucratif Sin Fines de Lucro #N/A
Statut fiscal: Fines: : #N/A
(Europe de l'Est et Asie Centrale) (Europa del Este y Asia Central) ( . ) #N/A
(Amrique Latine et Carabes) (Amrica Latina y El Caribe) ( ) #N/A
(Moyen Orient et Afrique du Nord) (Medio Oriente y frica del Norte) ( ) #N/A
(Asie du Sud et de l'Est) (Asia del Sur y Este) (- ) #N/A
(Afrique sub-saharienne) (frica del Sur de Sahara) ( ) #N/A
Afrique frica #N/A
Asie Asia #N/A
EAC ECA #N/A
ALC LAC #N/A
MOAN MENA #N/A
Rgion: Regin: : #N/A
(PF en USD, ALC , 4,000,000;Autres<2,000,000) (CBP en USD < 4,000,000) ( . , < 4 000 000;<2 000 000 #N/A
(PL en USD, ALC < 15,000,000;Autres>8,000,000) (CBP en USD > 15,000,000) ( . , > 15 000 000;>8 000 000 #N/A
(PF en USD,ALC 4,000,000 et 15,000,000;Autres 2,000,000 et 8,000,000) (CBP en USD 4,000,000 y 15,000,000) ( . , 4 000 000 15 000 000; 2 000 000 8 000 000 #N/A
Grande (taille)Grande (Escala) () #N/A
Moyenne (taille) Media (Escala) () #N/A
Taille: Escala: : #N/A
Petite (taille) Pequea (Escala) () #N/A
(Auto-suffisance financire < 100%) (Auto-Suficiencia Financiera < 100%) ( < 100%)#N/A
(Auto-suffisance financire > 100%) (Auto-Suficiencia Financiera > 100%) ( > 100%)#N/A
Benchmarks par viabilit et statut fiscal Benchmarks por Sostenibilidad y Fines #N/A
ASF ASF #N/A
non-ASF No-ASF #N/A
Viabilit: Sostenibilidad: : #N/A
(Prt moyen par emprunteur/ PNB par habitant < 20% et Prt moyen par emprunteur < USD 150) (Saldo Promedio por Prestatario/ PNB per Capita < 20%) ( / .< 20% . . . . < 150 . ) #N/A
(Prt moyen par emprunteur/ PNB par habitant > 150% et 250%) (Saldo Promedio por Prestatario/ PNB per Capita > 150% y 250%) ( / . > 150% 250%) #N/A
(Prt moyen par emprunteur/ PNB par habitant > 250%) (Saldo Promedio por Prestatario/ PNB per Capita > 250%) ( / .> 250%) #N/A
(Prt moyen par emprunteur/ PNB par habitant 20% et 150%) (Saldo Promedio por Prestatario/ PNB per Capita 20% y 150%) ( / . 20% 150%) #N/A
Benchmarks par march cible Benchmarks por Mercado Meta #N/A
Segment intermd. Base Amplia . #N/A
Segment suprieur Base Alta . #N/A
Segment infrieur Base Baja . #N/A
Petite entreprise Pequea Empresa #N/A
March cible: Mercado Meta: : #N/A
10me percentile Percentil 10 #N/A #N/A
Ajust Ajustado #N/A
All rights reserved. Terms of Service apply. For more information visit www.themix.org All rights reserved. Terms of Service apply. For more information visit www.themix.org #N/A #N/A
Nom du Benchmark Nombre del Benchmark #N/A #N/A
Rapport d'analyse comparative Informe de Anlisis Comparativo #N/A #N/A
Copyright 2007 Microfinance Information eXchange, Inc. (MIX). Copyright 2007 Microfinance Information eXchange, Inc. (MIX). #N/A #N/A
Nombre Cuenta #N/A #N/A
Pays: Pas: #N/A #N/A
Critres utiliss pour dfinir les groupes de pairs Archivo de Criterios para los Benchmarks #N/A #N/A
Coefficient de change: Factor de cambio de moneda: #N/A #N/A
Devise: Moneda: : #N/A
Devise: Moneda: : Moeda?
Fichier contenant les informations sur les IMF pour les benchmarks Archivo de Informacin de IMFs para los Benchmarks #N/A #N/A
Version dextraction des donnes Versin de Datos Extraidos #N/A #N/A
Indice de qualit de donnes: Grado de Calidad de Datos: #N/A #N/A
Date de dclaration: Fecha de Remisin: #N/A #N/A
Date de cration du benchmark Fecha de Creacin #N/A #N/A
Fin: Fin: #N/A #N/A
Maximum Mximo #N/A
Moyenne Promedio #N/A #N/A
Mdiane Mediana . #N/A
IMF: IMF: #N/A #N/A
IMF inclues dans ce benchmark IMFs incluidas en este Benchmark #N/A #N/A
Minimum Mnimo #N/A
Pas de donne inclue dans ces benchmarks pour cette IMF No hay datos para esta IMF en un Benchmark actual #N/A #N/A
Catgorie du groupe de pair Categora de Grupo Par #N/A #N/A
Groupe de pairs Grupo Par #N/A
Statut de publication Estado de Publicacin #N/A #N/A
Anne du Benchmark Ao para datos del Benchmark #N/A #N/A
Ecart type Desviacin Estndar . #N/A
Dbut: Inicio: #N/A #N/A
Type de statistiques Tipo de Estadstico #N/A #N/A
Non-ajust No Ajustado #N/A #N/A
Anne: Ao: : #N/A
Analyse comparative Anlisis Comparativo #N/A
Rapport de Performance Personnalis Informe Personalizado de Desempeo #N/A
Rapport de performances personnalis et MicroBanking Bulletin Informe Personalizado de Desempeo y MicroBanking Bulletin MicroBanking Bulletin #N/A
Utiliser le Rapport de Performance Personnalis Uso de Informe de Desempeo Personalizado #N/A
Ratio de ch. aministratives ajust Razn de Gasto Administrativo, Ajustado . . . . #N/A
Ratio de ch. financires ajust Razn de Gasto Financiero, Ajustado . . . . #N/A
Ratio de dot. aux prov pour prts irrcouv. ajust Razn de Provisin para Incobrables, Ajustada . . #N/A
Nombre d'emprunteurs ajusts et encours brut de prts Nmero de Prestatarios y Cartera Bruta Ajustada - #N/A
Ratio de ch. de personnel ajust Razn de Gasto de Personal, Ajustado . . . #N/A
Rendement de l'actif (IMF par rapport tous participants) Retorno Sobre Activos, Ajustado IMF v. Todos Participantes) ( ) #N/A
Solde moyen des comptes Saldo Promedio de Cuentas #N/A #N/A
Composantes des charges (IMF vs. Pairs) Descomposicin de Gastos (IMF vs. Pares) ( ) #N/A
Capital/ Actif (IMF) Patrimonio/ Activos (IMF) / () #N/A
Capital/ Actif (Groupe de pairs) Patrimonio/ Activos (Grupo Par) / () #N/A
Clients et services Clientes y Servicios #N/A #N/A
Clients Servis Clientes Servidos #N/A
Cot par emprunteur (USD) Gasto por Prestatario (USD) . . - . #N/A
Cot par emprunteur - USD (IMF) Gasto por Prestatario - USD (IMF) . . - . () #N/A
Cot par emprunteur - USD (Groupe de pairs) Gasto por Prestatario - USD (Grupo Par) . . - . () #N/A
Couverture des charges Cobertura de Gastos #N/A #N/A
Dcomposition du rendement de l'actif Descomposicin de Retorno sobre Activos #N/A
Efficience et cot au client Eficiencia y Gasto al Cliente #N/A
Productivit et efficience Productividad y eficiencia Eficincia e Produtividade
Efficience: deux perspectives Eficiencia: Dos Perspectivas : #N/A
Ratios de charges Razones de Gastos #N/A #N/A
Ratio des produits financiers et utilisation des actifs Ratio Ingreso Financiero y Productividad de Activos #N/A #N/A
Produits financiers et utilisation des actifs Ingresos y Productividad de Activos #N/A #N/A
Financement et structure de l'actif Financiamiento y Estructura del Activo #N/A
#N/A #N/A #N/A
Encours Brut de Prts (IMF) Cartera Bruta (IMF) () #N/A
Encours brut de prts (Groupe de pairs) Cartera Bruta (Grupo Par) () #N/A
Encours de prts sur actif total (IMF) Cartera Bruta/ Total del Activo (IMF) / () #N/A
Encours de prts sur actif total (Groupe de pairs) Cartera Bruta/ Total del Activo (Grupo Par) / () #N/A
Ratio de dot. aux prov pour prts irrcouvrables Razn de Provisin para Incobrables . . . #N/A
Encours de prts et produits Cartera de Prstamos e Ingresos #N/A
Nombre d'emprunteurs actifs (IMF) Nmero de Prestatarios Activos (IMF) () #N/A
Nombre d'emprunteurs actifs (Groupe de pairs) Nmero de Prestatarios Activos (Grupo Par) () #N/A
Nombre d'pargnants et montant d'pargne Nmero de Ahorristas y depsitos voluntarios#N/A #N/A
Ch. d'exploitation sur portefeuille (IMF) Gastos Operacionales/ Cartera Bruta (IMF) / () #N/A
Ch. d'exploitation sur portefeuille (Groupe de pairs) Gastos Operacionales/ Cartera Bruta (Grupo Par) / () #N/A
Ch. d'exploit./ portefeuille Gastos Oper./ Cartera / #N/A
Portefeuille risque > 30 et 90 jours Cartera en Riesgo > 30 y 90 Das #N/A #N/A
Portefeuille risque > 30 jours (IMF) Cartera en Riesgo > 30 Das (IMF) 30 () #N/A
Portefeuille risque > 30 jours (Groupe de pairs) Cartera en Riesgo > 30 Das (Grupo Par) 30 ()#N/A
Portefeuille risque et pertes Cartera en Riesgo y Prdidas #N/A #N/A
Portefeuille risque et radiations Cartera en Riesgo y Castigos #N/A #N/A
Qualit du portefeuille Calidad de Cartera Qualidade da Carteira
Qualit du portefeuille et couverture du risque Calidad de Cartera y Cobertura de Riesgo #N/A #N/A
Rendement et utilisation des actifs Rendimiento sobre la cartera y utilizacin de activos . . #N/A
Rendement de l'actif et auto-suffisance Retorno Sobre Activos y Autosuficiencia Financiera #N/A #N/A
Rendements de l'actif et des fonds propres Retornos Sobre Activos y Sobre Patrimonio #N/A #N/A
Couverture du risque Cobertura de Riesgo #N/A #N/A
Taux de radiation de prts (IMF) Razn de Prstamos Castigados (IMF) () #N/A
Taux de radiation de prts (Groupe de pairs) Razn de Prstamos Castigados (Grupo Par) . () #N/A
Rendement du portefeuille brut (IMF) Rendimiento de la Cartera Bruta (IMF) . () #N/A
Rendement du portefeuille brut (Groupe de pairs) Rendimiento de la Cartera Bruta (Grupo Par) . () #N/A
Rsultats moins de trois observations sont marqus "n/a" "n/a" representa grupos con menos de tres observaciones "n/a" #N/A
(donnes 2006) (Datos de Referencia 2006) (2006 .) #N/A
(Cliquer sur le lien ci-aprs) (Haga click sobre el siguiente enlace) ( ) #N/A
* Le questionnaire MBB ou les tats financiers audits sans autre document * El cuestionario del MBB o de resultados financieros auditados sin documentacin adicional * MBB , , #N/A
** Le questionnaire MBB plus les tats financiers audits, rapports annuels et autres valuations indpendantes ** El cuestionario del MBB ms resultados financieros auditados, informes anuales y otras evaluaciones independientes ** MBB , , #N/A
*** L'information est appuye par une analyse financire approfondie ralise par une entit indpendante dans les trois dernires annes *** La informacin es apoyada por un anlisis financiero a fondo realizada por una entidad independiente en los ltimos tres aos *** , . #N/A
**Donnes pour l'exercice clos le **Datos de la IMF al cierre del ao Financiero, el ** #N/A
*Les donnes non-ajustes sont tires des tats financiers non-ajusts. L'information non-ajuste des prts et des emprunteurs ne prend pas en compte l'effet de radiation des prts. *Los datos no ajustados son producidos de los estados financieros no ajustados. La informacin no ajustada de los prstamos y prestatarios excluye el efecto de castigos normalizados. * . . #N/A
Le MicroBanking Bulletin utilise le systme de notation suivant pour classer l'information fournie par les IMF: El MicroBanking Bulletin utiliza el sistema siguiente de clasificacin para clasificar la informacin recibida de las IMF: Microing Bulletin , : #N/A
La page 12 offre une brve description des groupes de pairs et du niveau de qualit des informations attribu chacun des participants. Vous trouverez plus d'informations dans le MicroBanking Bulletin. La pagina 12 ofrece una descripcin breve de los Grupos Pares, sus miembros y el nmero y la clasificacin de cada uno de los participantes. El MicroBanking Bulletin dispone informacin ms detallada. , . 12. Microing Bulletin. #N/A
A propos de Acerca de #N/A
A propos du MIX Acerca del MIX MIX #N/A
ACRONYME SIGLAS #N/A
Ajust Ajustado #N/A
Etats financiers reclassifis et ajusts Estados Financieros Reclasificados y Ajustados #N/A
Rsum des ajustements #N/A #N/A
Analyser les performances Anlisis del Desempeo #N/A #N/A
Au dos Contraportada #N/A
Donnes de benchmark Datos de Comparacin (Benchmarks) #N/A
Benchmarks par rgion Benchmarks por Regin #N/A
Benchmarks Benchmarks #N/A
Pays Pas #N/A
Devise: Moneda: : #N/A
Qualit des donnes Calidad de Datos #N/A
Indice de qualit de donnes: Grado de Calidad de Datos: : #N/A
Dfinitions Definiciones #N/A
Fax: +1 (202) 659 9095 Fax: +1 (202) 659 9095 : +1 (202) 659 9095 #N/A
Dfinitions des termes financiers Definiciones de Trminos Financieros #N/A
Pour des dfinitions des groupes de pairs, voir la partie "Classification des groupes de pairs" de ce fichier Para ver las definiciones de los grupos pares, vase la seccin "Clasificacin de Grupos Pares" en este archivo , #N/A
Pour plus d'informations sur les indicateurs, voir la partie "Dfinition des indicateurs" de ce fichier Para ms informacin sobre los indicadores, vase la seccin "Definiciones de los Indicadores" en este archivo , #N/A
Dfinitions des indicateurs Definiciones de Indicadores #N/A
Indicateurs Indicadores #N/A
Interprter les indicateurs Interpretando los Indicadores #N/A #N/A
Langue Idioma Lngua
Maximum Mximo #N/A
Mdiane Mediana . #N/A
IMF IMF #N/A
Le MicroBanking Bulletin et ses Benchmarks El MicroBanking Bulletin y sus Benchmarks MicroBanking Bulletin #N/A
MIX MicroBanking Bulletin: Benchmarks - donnes 2009 MIX MicroBanking Bulletin: Benchmarks - datos 2009 MIX MicroBanking Bulletin: 2009 #N/A
Minimum Mnimo #N/A
MIX ne saurait tre tenu responsable de la validit des informations fournies dans le prsent rapport. MIX no se responsabiliza por la validez de la informacin presentada en este reporte. #N/A #N/A
NOM NOMBRE Nome
Ni la rdaction ni le MIX ne sauraient tre tenus responsables de la validit des informations fournies dans le prsent rapport. Ni el personal de redaccin, ni la asesora, ni la comisin de estudios, ni el MIX se responsabilizan por la validez de la informacin presentada este reporte. , , MIX . #N/A
Non No . No
Notes aux ajustements et qualit des donnes Notas a los Ajustes y Calidad de Datos #N/A #N/A
Notes aux ajustements et qualit des donnes Notas para los Ajustes y Calidad de Datos #N/A
Nombre Nombre #N/A
Page Pgina . #N/A
Classification des groupes de pairs Clasificaciones de Grupos Pares #N/A
Critres des groupes de pairs et qualit de l'information Criterio de Grupos Pares y Calidad de Informacin #N/A
GP GP #N/A
Ecart type Desviacin Estndar . #N/A
Rsum des ajustements Resumen de Ajustes #N/A
Table des matires ndice #N/A
Tableaux Tablas #N/A
Tel: +1 (202) 659 9094 Tel: +1 (202) 659 9094 : +1 (202) 659 9094 #N/A
#N/A Este documento fue hecho con la ayuda de: #N/A #N/A
Non-ajust No Ajustado #N/A
Dollars US US Dlar Dlar Americano
Guide de Rfrence Manual de Usuario #N/A #N/A
Valeurs Valores #N/A
#N/A pagina de web: www.themix.org : www.themix.org #N/A
ANNE #N/A Ano
Anne: Ao: : #N/A
Oui S Sim
Ratio de ch. aministratives ajust Razn de Gasto Administrativo, Ajustado . . . . #N/A
Ratio de ch. financires ajust Razn de Gasto Financiero, Ajustado . . . . #N/A
Ratio de dot. aux prov pour prts irrcouv. ajust Razn de Provisin para Incobrables, Ajustada . . #N/A
Nombre d'emprunteurs ajusts et encours brut de prts Nmero de Prestatarios y Cartera Bruta Ajustada - #N/A
Ratio de ch. de personnel ajust Razn de Gasto de Personal, Ajustado . . . #N/A
Rendement de l'actif (IMF par rapport tous participants) Retorno Sobre Activos, Ajustado IMF v. Todos Participantes) ( ) #N/A
Solde moyen des comptes Saldo Promedio de Cuentas #N/A #N/A
Composantes des charges (IMF vs. Pairs) Descomposicin de Gastos (IMF vs. Pares) ( ) #N/A
Capital/ Actif (IMF) Patrimonio/ Activos (IMF) / () #N/A
Capital/ Actif (Groupe de pairs) Patrimonio/ Activos (Grupo Par) / () #N/A
Clients et services Clientes y Servicios #N/A #N/A
Clients Servis Clientes Servidos #N/A
Cot par emprunteur (USD) Gasto por Prestatario (USD) . . - . #N/A
Cot par emprunteur - USD (IMF) Gasto por Prestatario - USD (IMF) . . - . () #N/A
Cot par emprunteur - USD (Groupe de pairs) Gasto por Prestatario - USD (Grupo Par) . . - . () #N/A
Couverture des charges Cobertura de Gastos #N/A #N/A
Dcomposition du rendement de l'actif Descomposicin de Retorno sobre Activos #N/A
Efficience et cot au client Eficiencia y Gasto al Cliente #N/A
Productivit et efficience Productividad y eficiencia Eficincia e Produtividade
Efficience: deux perspectives Eficiencia: Dos Perspectivas : #N/A
Ratios de charges Razones de Gastos #N/A #N/A
Structure financire Estructura de Financiamiento #N/A #N/A
Ratio des produits financiers et utilisation des actifs Ratio Ingreso Financiero y Productividad de Activos #N/A #N/A
Produits financiers et utilisation des actifs Ingresos y Productividad de Activos #N/A #N/A
Financement et structure de l'actif Financiamiento y Estructura del Activo #N/A
#N/A #N/A #N/A
Encours Brut de Prts (IMF) Cartera Bruta (IMF) () #N/A
Encours brut de prts (Groupe de pairs) Cartera Bruta (Grupo Par) () #N/A
Encours de prts sur actif total (IMF) Cartera Bruta/ Total del Activo (IMF) / () #N/A
Encours de prts sur actif total (Groupe de pairs) Cartera Bruta/ Total del Activo (Grupo Par) / () #N/A
Ratio de dot. aux prov pour prts irrcouvrables Razn de Provisin para Incobrables . . . #N/A
Encours de prts et produits Cartera de Prstamos e Ingresos #N/A
50% du milieuMediana +/- 25% . 50% #N/A
Nombre d'emprunteurs actifs (IMF) Nmero de Prestatarios Activos (IMF) () #N/A
Nombre d'emprunteurs actifs (Groupe de pairs) Nmero de Prestatarios Activos (Grupo Par) () #N/A
Nombre d'pargnants et montant d'pargne Nmero de Ahorristas y depsitos voluntarios#N/A #N/A
Ch. d'exploitation sur portefeuille (IMF) Gastos Operacionales/ Cartera Bruta (IMF) / () #N/A
Ch. d'exploitation sur portefeuille (Groupe de pairs) Gastos Operacionales/ Cartera Bruta (Grupo Par) / () #N/A
Ch. d'exploit./ portefeuille Gastos Oper./ Cartera / #N/A
Portefeuille risque > 30 et 90 jours Cartera en Riesgo > 30 y 90 Das #N/A #N/A
Rendements Retornos #N/A
Echelle et Porte Escala y Alcance #N/A #N/A
Prennit et Rentabilit Autosuficiencia y Rentabilidad #N/A #N/A
[Le nom des institutions est confidentiel] [Los nombres de estas instituciones son confidenciales] [ ] #N/A
Toutes les IMFTodas las IMFs #N/A
QUALIT CALIDAD DATOS #N/A
Institutions Participantes Instituciones Participantes . #N/A
GROUPES DE PAIRS SIMPLES GRUPOS PARES SIMPLES #N/A
Tendances cls Principales Tendencias de Desempeo #N/A #N/A
Analyse des tendances en performances Anlisis Comparativo #N/A #N/A
Tendances des performances Tendencias de Desempeo #N/A #N/A
Tendances Tendencias #N/A #N/A
Utiliser le Rapport de Performance Personnalis Uso del Reporte Institucional de Tendencias #N/A #N/A
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Pour un aperu des performances de cette anne, cliquez sur l'onglet "Benchmark Highlights" Para un resumen de los principales resultados de este ao, haga click sobre la pestaa "Benchmark Highlights". #N/A #N/A
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Rendements Retornos #N/A
Echelle et Porte Escala y Alcance 0 #N/A
Prennit et Rentabilit Autosuficiencia y Rentabilidad 0 #N/A
[Le nom des institutions est confidentiel] [Los nombres de estas instituciones son confidenciales] [ ] #N/A
Toutes les IMFTodas las IMFs #N/A
QUALIT CALIDAD DATOS #N/A
Institutions Participantes Instituciones Participantes . #N/A
GROUPES DE PAIRS SIMPLES GRUPOS PARES SIMPLES #N/A
Tendances cls Principales Tendencias de Desempeo #N/A #N/A
Analyse des tendances en performances Anlisis Comparativo #N/A #N/A
Tendances des performances Tendencias de Desempeo #N/A #N/A
Tendances Tendencias #N/A #N/A
Utiliser le Rapport de Performance Personnalis Uso del Reporte Institucional de Tendencias #N/A #N/A
Les activits financires d'une IMF gnrent diverses charges, y compris les charges d'exploitation, le cot des emprunts et le provisionnement pour pertes sur prts. Les indicateurs de charges mesurent l'importance relative des diffrentes catgories de charges afin de dterminer leur impact sur la rentabilit et la prennit. Las actividades financieras de una IMF generan una variedad de gastos, de financiamiento de su base de activos y gastos operacionales generales, de la provisin para prdidas potenciales de castigos. Indicadores de gastos miden la importancia relativa de las categoras de gastos diferentes para determinar su impacto en la rentabilidad y la autosuficiencia. #N/A
L'analyse utilise des ratios et d'autres indicateurs pour interprter les performances d'une IMF. Les indicateurs expriment soit des informations simples sur l'institution (tel que son ge) soit un rapport entre deux donnes (tel que le nombre d'emprunteurs et le nombre d'employs qui grent ces emprunteurs) afin de mieux comprendre un des aspects des performances de l'institution. En utilisant des indicateurs standards, l'analyste peut mieux suivre l'volution et les changements des performances de cette institution dans le temps. Si ces standards sont appliqus toutes les institutions, cela permet de suivre et comparer les performances de l'ensemble des institutions dans le temps. Los analistas usan ratios y otros indicadores para interpretar el desempeo de una IMF. Los Indicadores muestran informacin sencilla de una institucin (como su edad) o la relacin entre dos o ms informaciones (como los prestatarios y nmero de personal que atienden esos prestatarios) para revelar un aspecto de desempeo de dicha institucin. Con el uso de indicadores estndares dentro de una institucin, un analista puede monitorear con ms exactitud el crecimiento y los cambios en el desempeo de una institucin sobre tiempo. La extensin de estos estndares a todas las instituciones le permite al analista monitorear y comparar el desempeo entre instituciones a travs del tiempo. #N/A
A mesure que les IMF tendent leur porte et grandissent, elles atteignent plus de clients avec plus de produits. Les indicateurs d'chelle mesurent la taille des services offerts aux clients, que ce soit en matire de crdit ou d'pargne. Les indicateurs de porte dcrivent le nombre et le type de clients atteints. Les analystes en microfinance continuent d'examiner les indicateurs qui refltent correctement le niveau de pauvret des clients d'institutions de microfinance. Mientras IMFs crecen en escala y alcance, alcanzan a ms clientes con ms productos. Indicadores de escala miden el tamao de servicios a clientes de microfinanzas, tales prstamos como depsitos. Indicadores de alcance reportan en el nmero y tipo de clientes atendidos. Analistas de la industria todava estn trabajando en indicadores que reflejan los niveles de pobreza de clientes atendidos por servicios de microfinanzas. #N/A
Les institutions efficientes minimisent leurs cots de prestation de services. Elles s'efforcent rduire ces cots travers les conomies d'chelle ou l'emploi de technologies efficaces. Les indicateurs d'efficience mesurent le niveau des charges gnres pour la prestation de services financiers tels que les prts. Instituciones eficientes generan costos mnimos en ofrecer sus servicios. Deben intentar reducir tales costos por escala o por el uso de tecnologas efectivas. Indicadores de eficiencia miden el nivel de gastos incurridos para proveer servicios financieros como prstamos. #N/A
Pour un aperu des performances de cette anne, cliquez sur l'onglet "Benchmark Highlights" Para un resumen de los principales resultados de este ao, haga click sobre la pestaa "Benchmark Highlights". #N/A
Pour commencer Empezando #N/A
Les bnfices de la plupart des IMF ont galement t ajusts pour reflter les bnfices rels en labsence de subventions. Les ajustements pour subventions aux cots de financement sont les plus frquents pour les IMF participantes. Un cot supplmentaire a t rajout pour tout endettement pour lequel le taux dintrts est nettement infrieur au taux commercial. Ceci permet de comparer des institutions bnficiant de taux de subventions trs variables comme si elles ntaient pas subventionnes. La dtermination du taux de march est dlicate. Nanmoins, pour comparer, il est important de s'assurer que la mthode choisie soit applique uniformment toutes les institutions. Nous avons retenu le taux de comptes de dpts comme cot thorique du march. Les subventions ont t classes part et les bnfices ne sont calculs que sur la base des revenus et frais dexploitation. Enfin, les charges tels que le salaire du directeur, remises de loyer ou toute autres charges dexploitation rgles par une a Los beneficios de la mayora de los participantes han sido ajustados descontando subvenciones para reflejar los beneficios reales. El ajuste de los gastos de fondos por las subvenciones es el ajuste ms comn de los participantes en esta ronda. Un costo adicional es aadido por cualquier pasivo que sea significativamente ms bajo que el precio comercial, para poder comparar las instituciones a niveles diversos de subvencin como si no fuesen subvencionados. La determinacin del precio comercial es una tarea difcil. Sin embargo, por razones de comparacin, el objetivo ms importante es el de asegurarse que el mtodo escogido es aplicado de una manera uniforme a todas las instituciones. Hemos decidido utilizar el inters de depsito presentado por FMI como el precio de las tasas comerciales. Tambin excluimos donaciones y las rentas se calculan solamente a base de ingresos y gastos operacionales. Por ltimo, gastos como el salario del director, alquiler gratuito, u otros gastos operacionales pagados por otra e , . , , . , , - , . . , . . , #N/A
Pour finir, nous standardisons le provisionnement et la radiation pour prts irrcouvrables. Les dotations aux provisions atteignent 50 % du montant des crances chues de plus de 90 jours et moins de 180 jours ou rengocies, et 100 % du montant chu de plus de 180 jours. Les crances chues de plus de 360 jours sont radies. Por ultimo, normalizamos las normas de provisin para incobrables y castigos. Suministramos el 50% de deudas pendientes que hayan sobrepasado 90 das pero menos de 180 das, y el 100% por las deudas pendientes de ms de 180 das. Deudas pendientes de ms de 365 das son castigados por completo. . 50- 90 180 100- 180 . 365 . #N/A
La plupart des produits financiers des IMF sont issu de leur portefeuille. A mesure que les IMF diversifient leurs services, les tarifs sur les produits de virement, de paiement et d'assurance creront de nouvelles sources de revenus. Les indicateurs de produits prsentent les revenus financiers par rapport l'encours de prts, ainsi que sur la base de l'actif total, pour permettre une analyse de l'impact des revenus sur la rentabilit et la prennit. IMFs ganan la mayora de sus ingresos de su cartera bruta de prstamos. Mientras IMFs diversifican sus servicios, cobros de transferencias, pagos y servicios de seguros proveern nuevas fuentes de ingresos. Medidas de ingresos miran los ingresos financieros de la cartera bruta y de la base total de activos para asesorar el impacto de la estructura de ingresos en la rentabilidad y la autosuficiencia. #N/A
Les IMF financent leurs activits grce des fonds issus de diverses sources. Les mesures de structure financire dcrivent ces diverses sources de fonds, qu'elles proviennent de dettes ou de capitaux propres, et les comparent aux actifs de l'institution. Ces indicateurs dcrivent galement son effet de levier. IMFs financian sus actividades con una variedad de fuentes de financiamiento. Medidas de estructura financiera describen stas fuentes de capital tales pasivos como patrimonio, y los comparan a los recursos adquiridos con ese financiamiento. Tambin indican cuanto una institucin ha apalancado su capital. #N/A
Les IMF qui transmettent leurs donnes au MicroBanking Bulletin reoivent un rapport de performances personnalis gratuit. Le MicroBanking Bulletin (MBB) est un des produits principaux du MIX. Le MBB vise amliorer la performance financire des institutions de microfinance (IMF) par la publication et la dissmination des rsultats financiers de lindustrie. Les rsultats financiers des IMF de partout dans le monde sont rassembls, ajusts selon des normes communes et compars. Le MicroBanking Bulletin est publi deux fois par an et fournit les rsultats de cette analyse comparative. Les institutions participantes soumettent leurs informations volontairement et ces informations sont maintenues strictement confidentielles. Las IMFs que remiten sus datos para el MicroBanking Bulletin reciben un Informe Personalizado de Desempeo de forma gratuita. El MicroBanking Bulletin (MBB) es uno de los productos ms importantes del MIX. El MBB pretende mejorar el desempeo financiero de instituciones de microfinanzas (IMF) a travs de la publicacin y difusin de los resultados financieros de la industria. Los resultados financieros de las IMF alrededor del mundo son agregados, ajustados segn las normas comunes y comparados. El MBB es publicado dos veces al ao y difunde los resultados de este anlisis comparativo. Las instituciones participantes proveen sus datos financieros voluntariamente y todos los datos son estrictamente confidenciales. , "MicroBanking Bulletin", . MicroBanking Bulletin (MBB) , MIX. MBB () . , . MBB , . , . #N/A
Les IMF, comme toutes institutions financires, font face de nombreux risques. Un premier risque est celui de dfaut ou la probabilit qu'un emprunteur ne rembourse pas son emprunt. Le portefeuille de prts tant l'actif le plus important d'une IMF, ce risque concerne directement les produits et gnre des charges supplmentaires dues aux pertes. La qualit du portefeuille dtermine la capacit d'une institution tendre sa porte et assurer la prestation de services sa clientle. Les IMF dpendant de financements court terme ou mobilisant des dpts du public sont galement confrontes aux risques de liquidit, lorsque les actifs et dettes court terme ne sont pas aligns, empchant ainsi l'institution de rpondre aux besoins de ses obligations courantes. IMFs, como todas las instituciones financieras, enfrentan un nmero de riesgos en su negocio. El primero de estos riesgos incluye riesgo crediticio, la posibilidad que un prestatario no pagase un prstamo. Como la cartera bruta es el activo ms importante de una IMF, tales riesgos impactan directamente sus ingresos y generan costos adicionales debido a prdidas. La Calidad de la Cartera determinar la habilidad de una institucin en incrementar su alcance y continuar atendiendo a sus clientes existentes. IMFs con una alta cantidad de pasivos a corto plazo o depsitos del pblico tambin enfrentan riesgos de liquidez si un sesgo serio existe entre activos al corto plazo y pasivos, creando la inhabilidad a cubrir obligaciones corrientes con recursos corrientes. #N/A
L'analyse du MIX tablit des comparaisons entre des groupes dinstitutions semblables, dfinis par des critres tels que la taille des programmes, le niveau de pauvret de la population concerne et la zone gographique. Les rsultats financiers sont ajusts afin que la comparaison prenne en compte les effets de linflation, les niveaux de subventions et les diffrences de provisionnement pour prts irrcouvrables. Ce rapport offre donc une image exacte de vos rsultats financiers ainsi qu'une comparaison avec les rsultats de vos pairs. El anlisis de MIX se basa en una comparacin entre Grupos Pares similares, clasificados por criterios como el tamao, el nivel de la pobreza del grupo objetivo, la regin y el nivel de intermediacin financiera. Los resultados financieros son ajustados para asegurar la comparacin, tomando en cuenta el efecto de la inflacin, los subsidios y las diferencias en las provisiones para incobrables. Este reporte ofrece una imagen precisa de sus resultados financieros en comparacin a otras instituciones similares. MIX , , , , . , . , , . #N/A
Un indicateur seul ne peut rsumer tous les aspects des performances d'une institution. C'est pour cela que les indicateurs doivent tre analyss ensemble dans l'analyse des performances. Les indicateurs dans ce rapport voquent les diffrents aspects des performances. Tout indicateur est ajust pour prendre en compte les ajustements analytiques standards dcrits ci-aprs. Ningn nico indicador resumir todos los aspectos del desempeo de una institucin. De esta forma, los indicadores deben ser usados en conjunto para el anlisis de desempeo. Los indicadores en este informe tratan de aspectos diferentes de ese desempeo. Sin una nota, todos los indicadores se asumen que estn ajustados de acuerdo a los ajustes analticos descritos en este documento. #N/A
Autres produits financiers issus de services financiers, y compris les primes d'assurance ou des services de virement. Ce compte comprend aussi les gains net sur taux de change Otros ingresos por la provisin de servicios financieros, incluso ingresos de seguros, giros e ingresos no financieros de la provisin de servicios financieros, como la venta de libretas bancarias y SmartCards. Incluso ganancias netas por fluctuaciones de cambio. , , , -. . #N/A
Les groupes de pairs crent le contexte permettant l'analyse comparative. Les pages suivantes expliquent les diffrentes catgories utilises pour grouper les institutions similaires. En faisant des comparaisons entre une institution et ses pairs, l'analyste peut voir les performances d'une IMF face aux performances d'une IMF-type prsentant les mmes caractristiques. Los Grupos Pares ponen el contexto para el anlisis comparativo. Las pginas siguientes explican las diferentes categoras usadas para agrupar instituciones similares. Al mirar una organizacin en comparacin a sus pares, un analista puede ver el desempeo de una institucin relativo a una institucin tpica con caractersticas similares. #N/A
Les institutions productives maximisent leurs services avec un minimum de ressources. Les indicateurs de productivit mesurent l'efficacit d'une IMF utiliser ses ressources humaines pour servir ses clients. Ces indicateurs dpendent des technologies employes par l'institution ainsi que le type et la gamme des services offerts. Instituciones productivas maximizan sus servicios con el uso mnimo de recursos. Indicadores de productividad presentan medidas de cmo efectivamente los recursos humanos estn apalancados para atender a clientes de IMFs. Tales indicadores dependen en la tecnologa de una institucin y el tipo y variedad de servicios ofrecidos. #N/A
Les institutions rentables et prennes obtiennent un rsultat net positif sur leurs oprations. En microfinance, cela signifie que l'institution gnre un rsultat positif net sans dpendre de subventions de bailleurs. Pour prendre en compte l'chelle de l'institution, ces rsultats sont compars l'actif et aux fonds propres de l'IMF. La prennit mesure si ces produits couvrent les charges totales ou non. Instituciones rentables y autosuficientes obtienen retornos positivos en sus operaciones. En microfinanzas, esto significa un ingreso neto positivo sin depender en el apoyo de donantes. Considerando la escala institucional, estos retornos estn comparados a los activos y patrimonio de una institucin. Autosuficiencia mide el grado en que retornos cubren gastos totales. #N/A
Le Bulletin classifie l'information des institutions participantes selon le degr de vrification indpendante. Ce systme dvaluation attribue la mention *** aux informations obtenues d'un rapport dun organisme tiers fiable, tel qu'une valuation CAMEL ou CGAP, ou un rating d'une agence renome. Les informations contenues dans des tats financiers, rapports annuels ou valuations de programmes ayant fait lobjet dune vrification par des auditeurs indpendants ont reu la mention **. Lorsquun programme na fait que renvoyer notre questionnaire, les informations ont reu la mention *. Ces notations indiquent le niveau de confiance en la fiabilit des informations; elles ne constituent pas une valuation de la performance financire des institutions. El Boletn clasifica la informacin de IMF participantes con acuerdo al nivel verificado independientemente por su fiabilidad. La informacin con *** ha sido generado a travs de un anlisis financiero detallado por una entidad independiente, como por ejemplo, una evaluacin de CAMEL, una valoracin de CGAP, o una calificacin por una agencia fiable. La informacin con ** es apoyada por documentos acompaantes, como los estados financieros auditados, reportes anuales o evaluacin de programas independientes que proporcionan un nivel de fiabilidad razonable de nuestros ajustes. La informacin con * es derivada de IMF que se han limitado en completar nuestro cuestionario. Estas clasificaciones representan niveles de fiabilidad de la informacin; no estn previstas para una clasificacin de desempeo financiero de las IMFs. , , . *** - , CAMEL, CGAP , - . ** - , , , . * , . . #N/A
L'information utilise dans les moyennes des groupes de pairs na pas t vrifie de manire indpendante. Elle est fournie volontairement par les institutions. Nous reprsentons la fiabilit des donnes fournies par chaque institution par l'indice de qualit des donnes . La informacin incluida en el promedio de grupos pares no es comprobada independientemente. Est presentada voluntariamente por instituciones como la suya. Representamos nuestro nivel de apoyo en los datos proporcionados por cada grupo de pares con una clasificacin de calidad. . , . . #N/A
Le MicroBanking Bulletin (MBB) est une des publications principales du MIX. Le MBB vise amliorer la performance financire des institutions de microfinance (IMF) par la publication et la dissmination des rsultats financiers de lindustrie. Les rsultats financiers et oprationnels des IMF partout dans le monde sont rassembls, ajusts selon des normes de l'industre et compars. Le MicroBanking Bulletin est publi deux fois par an et fournit les rsultats de cette analyse comparative. Les institutions participantes soumettent leurs informations volontairement et reoivent en contrepartie un rapport personnalis qui compare leurs rsultats ceux de leur groupe de pairs. Le MIX maintient les informations en stricte confidentialit. El MicroBanking Bulletin (MBB) es una de las publicaciones principales del MIX. El MBB pretende mejorar el desempeo financiero de instituciones de microfinanzas (IMF) a travs de la publicacin y diseminacin de los resultados financieros y operacionales de la industria. Los resultados financieros de los IMF alrededor del mundo son agregados, ajustados segn las normas comunes y comparados. El MBB es publicado dos veces al ao y disemina los resultados de este anlisis comparativo. Las instituciones participantes proveen sus datos voluntariamente y a cambio reciben un reporte de resultado comparativo que compara sus resultados con los del grupo de pares. El MIX mantiene los datos estrictamente confidenciales. MicroBanking Bulletin (MBB) , MIX. MBB () . , . MBB , . , , , , . . #N/A
Le Microfinance Information Exchange, Inc. (MIX) est une organisation but non lucratif dont la mission est damliorer les infrastructures dinformation sur lindustrie de la microfinance travers le monde, en soutenant les standards de reporting financier et oprationnel, en fournissant des donnes sur le secteur et en offrant des services dinformation spcialiss. Pour plus dinformations, voir www.themix.org Microfinance Information Exchange, Inc. (MIX) es una institucin sin fines de lucro dedicada a mejorar la infraestructura de informacin para la industria de microfinanzas de los pases en desarrollo, promoviendo la estandarizacin de reportes financieros y operacionales, ofreciendo y proveyendo servicios especializados de informacin. Para mayor informacin favor de visitar www.themix.org The Microfinance Information Exchange, Inc. - , , . . www.themix.org. #N/A
Le prsent Rapport de Performance Personnalis a t prpar par le MIX en fonction des informations fournies par votre institution et par celles d'autres IMF participantes. Son objectif principal est de fournir un outil permettant de comprendre la performance de votre institution, standardise en accord avec les ajustements et les indicateurs reconnus au niveau international. De plus, la performance de votre institution est compare celles dautres institutions similaires.Le benchmarking de performance est un exercice de comparaison qui standardise les donnes et groupe les institutions permettant une analyse comparative pertinente. Les reclassifications de comptes, les ajustements analytiques et les ratios standardiss qu'utilise le MIX permettent une meilleure comparaison entre les donnes institutionelles. Les groupes de pairs utiliss assurent le contexte dans lequel les institutions sont compares.Les dirigeants et le conseil d'administration trouveront ce rapport de benchmarking utile > p El MIX ha preparado este Informe de Desempeo Personalizado basado en la informacin proporcionada por su institucin y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistir a comprender el desempeo de sus instituciones, normalizado con acuerdo a los trminos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares.La comparacin de desempeo y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un anlisis de comparacin significativa. Las reclasificaciones de cuentas, ajustes analticos y la normalizacin de razones que MIX emplea aumenta la comparacin entre los datos institucionales de la serie. Los Grupos de IMFs Pares utilizados para comparar instituciones proporcionan el contexto.Gerentes y miembros de la junta directiva considerarn este reporte y el benchmarking til para:> La ubicacin del d MIX , . , , , , . , , . , , MIX, . . : > ;. #N/A
Ce rapport vous guidera travers l'analyse de benchmarking de votre institution. Chaque section rvle les donnes et processus fondamentaux utiliss dans l'analyse. Par exemple, l'analyse comparative souligne les points principaux synthetiss travers l'analyse crite, les diagrammes et les tableaux. Pour comprendre les donnes dfinissant les indicateurs, examinez les tats financiers ajusts et le rsum des ajustements qui expliquent l'impact des ajustements pour la provision pour prts irrcouvrables, pour le cot des financements subventionns et pour l'inflation, sur la position financire de votre institution. Les notes sur les indicateurs, les termes financiers et les politiques d'ajustements tablissent le contexte des processus et des systmes utiliss pour cette analyse. Enfin, pour les utilisateurs avancs, le MIX fournit les indicateurs de performance comparative pour tous les groupes de pairs publis par le MicroBanking Bulletin, vous permettant de personnaliser et approfondir votre propre an Este informe le guiar a travs de un anlisis comparativo de su institucin. Cada seccin subsiguiente revela ms datos esenciales y procesos involucrados en el anlisis. Continu leyendo para aprender ms. El anlisis comparativo, por ejemplo, destaca el desempeo de su institucin, sintetizado a travs de un anlisis por escrito con grficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analtico de desempeo, y el resumen de ajustes que explican el impacto analtico por ajustes de provisin para incobrables, subvencin e inflacin que afectan la posicin de su IMF. Las notas de los indicadores, trminos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este anlisis. Por ltimo, para los usuarios ms avanzados, el MIX proporciona indicadores de desempeo comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite perso MIX. . . , , . , , , , , , . , , . , MIX #N/A
Ce tableur contient les donnes de benchmark sur les performances d'institutions de microfinance dans le monde. Ces benchmarks sont les rsultats de groupes d'institutions -- groupes de pairs -- qui partagent certaines caractristiques telles que la rgion ou la taille des oprations. Cliquez sur les liens ci-dessous pour consulter les performances des groupes de pairs dans un domaine particulier: porte, structure financire, rentabilit, productivit et risques. Esta hoja de clculo contiene los indicadores de referencia sobre el desempeo de las instituciones de microfinanzas alrededor del mundo. Estos indicadores han sido calculados para grupos de instituciones que comparten caractersticas comunes, como regin o tamao. Haga click en cualquiera de los enlaces de abajo para explorar los indicadores de estos grupos en diferentes reas: alcance, estructura financiera, rentabilidad, productividad o riesgo. . , , . : , , , . #N/A
Les cots de financements du compte de rsultat ont t ajusts pour toutes les IMF afin de prendre en compte les effets long terme de linflation sur les fonds propres. Cet ajustement se prsente sous forme dun compte de charges net figurant sur le compte de rsultat et diminuant le rsultat constat. Sa contrepartie est un compte de capital rvlant la rpartition entre les rsultats rels et laugmentation du capital d linflation. Les rsultats financiers de toutes les IMF comprennent cet ajustement, except ceux utilisant une mthode de comptabilit tenant compte de linflation. El coste de fondos del estado de resultados de todas las IMFs ha sido ajustado para reflejar el efecto de inflacin en el patrimonio de la IMF a largo plazo. Este ajuste se refleja como cuenta de gasto neto en el estado de resultados, que al mismo tiempo reduce la utilidad neta. Se compensa por una cuenta de patrimonio que refleja la distribucin entre utilidad real neta y el efecto de la inflacin en el patrimonio. Los resultados financieros de todas las IMFs incluyen este ajuste, excepto aquellas que utilizan mtodos de contabilidad ajustados por inflacin que son generalmente aceptados. , , . . , . , , . #N/A

2009 MFI Benchmarks

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MIX 2009 Benchmarks

Operating Expense Ratio

LAC < 4,000,000; < 2,000,000

/ < 20%, < 150

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