D D D D D D D D Dd D D D D D D D D Dd D D D D d Dddddddd D D D D D D D D D D D Dd D D D D D D D D Dd D D D Bulletin Tables FINANCING STRUCTURE Average Values Deposits to Loans Deposits to Total Assets Gross Loan Portfolio/ Total Assets Peer Group % % % % % % % % % % % % 2002 ? 2001 ? 2000 ? 1999 2002 ? 2001 ? 2000 ? 1999 2002 ? 2001 ? 2000 ? 1999 26.3 4% 25.2 3% 24.3 13% 21.5 16.1 12% 14.4 12% 12.8 19% 10.8 73.8 2% 72.3 0% 72.6 4% 70.1 Year n/a n/a - n/a - n/a - n/a n/a - n/a - n/a - n/a n/a 76.0 -2% 77.2 15% 67.2 2.9 48% 2.0 -74% 7.7 -37% 12.1 2.0 51% 1.3 -78% 6.2 -29% 8.7 75.2 4% 72.5 1% 71.7 -2% 73.5 35.1 -19% 43.4 -8% 47.2 5% 44.9 21.8 -12% 24.7 5% 23.5 14% 20.6 73.6 3% 71.3 0% 70.9 1% 70.1 90.5 6% 85.3 -13% 98.2 -30% 140.4 47.8 23% 38.9 -5% 41.0 -26% 55.2 63.7 2% 62.2 12% 55.5 6% 52.5 29.5 -7% 31.7 -16% 37.6 2% 36.8 20.3 -6% 21.7 -12% 24.5 5% 23.4 76.4 3% 74.6 2% 73.2 7% 68.6 3.2 96% 1.6 -23% 2.1 76% 1.2 2.6 108% 1.2 -11% 1.4 63% 0.9 73.8 1% 72.9 -3% 75.4 5% 71.8 - n/a - n/a - n/a - - n/a - n/a - n/a - 73.9 2% 72.7 -3% 74.8 5% 70.9 9.4 6% 8.9 -38% 14.4 1% 14.2 7.2 19% 6.1 -17% 7.3 -27% 10.0 79.8 8% 73.8 7% 68.9 -11% 77.8 88.4 -14% 102.8 -2% 104.5 -9% 115.4 53.4 -8% 58.1 5% 55.2 -2% 56.3 70.7 0% 70.4 3% 68.0 8% 63.1 54.0 3% 52.2 13% 46.1 2% 45.1 30.1 13% 26.5 19% 22.2 4% 21.2 72.3 0% 72.5 -3% 74.4 5% 71.1 16.4 3% 15.9 -12% 18.1 65% 11.0 12.4 5% 11.8 0% 11.8 60% 7.3 76.1 5% 72.5 0% 72.3 -2% 73.8 - n/a - n/a - n/a - - n/a - n/a - n/a - 85.0 6% 80.2 18% 68.0 7% 63.6 - n/a - n/a - n/a - - n/a - n/a - n/a - 66.4 -2% 67.7 -6% 72.3 8% 66.8 1.6 66% 1.0 -90% 9.5 5% 9.0 1.2 89% 0.7 -82% 3.7 -21% 4.7 74.2 0% 74.3 4% 71.5 5% 68.0 34.6 -13% 39.7 62% 24.5 9% 22.4 21.3 6% 20.2 86% 10.8 1% 10.7 72.7 8% 67.0 -3% 69.3 -2% 70.5 37.0 5% 35.1 -20% 43.9 -1% 44.5 22.4 1% 22.2 -18% 26.9 20% 22.5 74.1 -1% 75.2 -3% 77.4 5% 73.8 60.4 3% 58.4 -14% 68.0 -14% 79.1 35.4 11% 31.9 -5% 33.4 -9% 36.9 72.0 3% 69.9 2% 68.5 3% 66.7 6.6 11% 5.9 6% 5.6 26% 4.5 5.0 17% 4.3 7% 4.0 31% 3.0 74.8 1% 73.7 -1% 74.4 5% 71.2 41.2 -7% 44.2 -4% 46.1 15% 40.0 18.9 20% 15.8 1% 15.7 -1% 15.9 68.3 5% 65.3 -1% 66.1 4% 63.7 26.9 -5% 28.2 -6% 29.9 -28% 41.3 14.4 11% 13.0 5% 12.4 -12% 14.1 75.9 9% 69.5 -3% 72.0 0% 71.7 12.3 n/a - n/a - n/a - 5.8 n/a - n/a - n/a - 81.7 1% 80.5 1% 79.8 7% 74.5 30.1 -1% 30.3 15% 26.4 34% 19.8 23.4 -1% 23.6 19% 19.8 40% 14.1 77.5 0% 77.8 -2% 79.2 5% 75.7 - n/a - n/a - n/a - - n/a - n/a - n/a - 49.4 -7% 53.2 18% 44.9 -5% 47.2 5.8 348% 1.3 -8% 1.4 6643% 0.0 4.1 367% 0.9 23% 0.7 4157% 0.0 63.4 -8% 68.6 2% 67.5 5% 64.3 7.5 143% 3.1 -78% 13.8 -12% 15.7 4.6 92% 2.4 -64% 6.6 -26% 8.8 75.7 -1% 76.5 -3% 78.5 -1% 79.1 53.3 -21% 67.5 -13% 77.5 4% 74.5 32.4 -14% 37.7 -10% 42.1 18% 35.6 75.4 7% 70.2 1% 69.8 6% 66.1 29.8 7% 27.9 -28% 38.6 8% 35.8 18.3 29% 14.2 -29% 19.9 15% 17.4 76.2 3% 73.8 -1% 74.3 -1% 74.8 15.9 -19% 19.6 118% 9.0 -5% 9.5 9.7 -35% 14.8 184% 5.2 0% 5.2 66.3 -4% 69.3 -2% 70.8 7% 66.2 2.5 10% 2.3 -26% 3.1 -34% 4.7 2.1 19% 1.8 -14% 2.0 -26% 2.8 70.9 -2% 72.1 5% 68.6 1% 67.6 27.3 12% 24.5 -13% 28.1 18% 23.8 17.6 10% 16.0 -9% 17.5 32% 13.2 76.9 3% 74.9 -4% 78.1 6% 73.6 124.5 -8% 135.0 n/a n/a n/a n/a 68.2 9% 62.5 n/a n/a n/a n/a 65.6 11% 59.2 n/a n/a n/a n/a All MFIs Age New Young Mature Charter Type Bank NBFI NGO Financial Intermediation Non FI Low FI High FI Methodology Individual Individual/Solidarity Solidarity Village Banking Outreach Small (Outreach) Medium (Outreach) Large (Outreach) Profit Status For 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 For definitions of Peer Groups, refer to pages 59 to 66. For details on indicator definitions, refer to pages 55 to 58. "n/a" denotes results for Peer Groups with less than three observations MICROBANKING BULLETIN, MARCH 2005 37
Bulletin Tables D d vv Dddddddd D D D D D D D D D D D Dd D D D D D D D D Dd D D D D d vv Dddddddd D D D D D D D D D D D Dd D D D D D D OUTREACH INDICATORS Average Values Percent of Women Borrowers Number of Loans Outstanding Number of Active Borrowers Peer Group nb nb nb nb % % % % nb nb nb nb 2002 ? 2001 ? 2000 ? 1999 2002 ? 2001 ? 2000 ? 1999 2002 ? 2001 ? 2000 ? 1999 68,195 31% 51,863 26% 41,116 12% 36,795 66.9 -1% 67.6 -1% 68.5 -2% 69.9 96,119 14% 83,999 9% 77,052 14% 67,401 Year n/a n/a 12,560 79% 7,000 51% 4,633 n/a n/a 64.2 -2% 65.6 -10% 72.7 n/a n/a 13,408 87% 7,186 49% 4,834 12,385 -35% 19,128 -5% 20,091 -79% 93,657 70.4 -13% 80.5 -5% 84.5 4% 81.6 14,173 1% 14,024 -26% 19,050 -24% 25,052 97,842 21% 80,864 9% 74,112 265% 20,287 64.8 6% 61.0 5% 58.0 -1% 58.5 148,252 1% 146,089 -16% 173,698 5% 164,843 52,265 26% 41,591 15% 36,114 21% 29,736 52.3 8% 48.3 2% 47.4 35% 35.1 478,715 10% 435,254 -11% 487,220 -8% 527,241 28,161 22% 23,039 21% 19,059 26% 15,094 65.2 -9% 71.7 3% 69.7 -4% 72.6 34,670 28% 27,052 13% 23,853 54% 15,517 102,799 40% 73,505 42% 51,592 15% 44,867 73.6 1% 72.5 -2% 73.7 0% 73.9 28,036 30% 21,538 53% 14,121 13% 12,535 26,937 37% 19,604 24% 15,764 37% 11,513 72.3 -1% 72.9 -1% 73.5 0% 73.4 27,603 43% 19,310 56% 12,388 36% 9,131 422,811 10% 385,674 30% 296,200 -24% 391,648 77.9 37% 56.8 -7% 61.1 n/a n/a 46,870 4% 45,215 14% 39,789 -24% 52,374 39,709 5% 37,698 8% 34,790 47% 23,703 47.7 7% 44.7 3% 43.2 5% 41.3 260,528 -4% 272,662 -3% 282,104 -6% 300,684 26,438 25% 21,203 31% 16,131 29% 12,553 47.1 -3% 48.3 -4% 50.6 -1% 51.0 197,789 12% 177,040 17% 151,719 17% 130,075 116,714 31% 89,308 1% 88,802 -15% 104,715 70.7 5% 67.4 1% 66.4 -2% 67.6 35,448 38% 25,761 1% 25,430 6% 24,104 44,676 -9% 49,246 118% 22,543 65% 13,700 75.0 -6% 79.8 -10% 88.3 -1% 89.6 44,995 -17% 53,969 116% 24,963 83% 13,636 40,944 31% 31,137 27% 24,459 31% 18,612 95.2 1% 94.6 1% 93.5 -2% 95.9 39,130 36% 28,727 101% 14,261 31% 10,868 4,951 9% 4,531 4% 4,346 13% 3,847 65.3 -2% 66.9 -3% 69.3 -3% 71.4 5,179 6% 4,885 5% 4,662 16% 4,009 17,235 -6% 18,282 -6% 19,504 10% 17,763 70.8 12% 63.4 -8% 68.9 1% 68.4 17,506 -1% 17,670 -3% 18,232 1% 17,973 159,557 13% 140,791 9% 128,777 -17% 154,829 64.7 -12% 73.5 10% 66.6 -3% 68.7 230,626 3% 223,141 -8% 242,193 -9% 266,662 48,793 25% 39,105 29% 30,415 33% 22,832 58.5 1% 57.7 8% 53.4 0% 53.5 217,492 13% 192,140 -15% 225,879 -1% 229,308 76,818 34% 57,179 28% 44,778 12% 40,017 70.8 -1% 71.4 -2% 73.2 -1% 74.0 25,645 21% 21,207 34% 15,770 17% 13,431 23,505 26% 18,711 18% 15,924 30% 12,241 68.6 -1% 69.3 -1% 70.2 -13% 81.1 28,788 15% 25,034 28% 19,592 41% 13,866 395,411 37% 288,556 29% 224,165 -24% 295,643 94.2 3% 91.8 1% 91.2 -3% 93.6 500,057 12% 446,362 5% 424,511 -4% 440,947 8,809 28% 6,864 28% 5,363 54% 3,481 62.0 0% 62.0 -3% 63.6 -4% 66.2 8,839 28% 6,889 28% 5,398 53% 3,533 34,428 26% 27,323 19% 22,961 20% 19,113 63.2 -2% 64.5 2% 62.9 0% 62.6 39,772 25% 31,931 32% 24,218 17% 20,714 25,503 24% 20,573 41% 14,562 47% 9,892 66.7 -1% 67.3 -8% 72.8 0% 72.8 29,499 22% 24,126 58% 15,240 23% 12,389 6,680 -34% 10,106 8% 9,396 43% 6,548 78.5 -7% 84.8 -4% 87.9 5% 83.8 6,738 -22% 8,636 9% 7,957 4% 7,645 22,880 8% 21,216 -3% 21,768 21% 17,944 75.2 11% 67.5 15% 58.5 -7% 62.8 26,235 4% 25,281 8% 23,381 40% 16,651 147,178 15% 127,931 -11% 143,952 -11% 160,962 51.9 3% 50.4 3% 48.8 2% 47.7 215,698 -7% 232,628 -32% 340,472 10% 308,330 87,013 27% 68,287 -1% 68,827 3% 67,118 65.3 -1% 66.1 0% 65.8 17% 56.1 125,705 3% 121,856 -16% 144,445 9% 132,424 11,738 -26% 15,936 10% 14,472 10% 13,210 71.3 2% 70.2 -1% 70.9 -12% 80.9 14,189 -25% 18,799 25% 15,050 22% 12,380 145,713 43% 102,058 44% 71,117 15% 61,803 82.7 -4% 86.1 0% 86.5 2% 84.7 57,947 36% 42,755 69% 25,328 29% 19,669 23,272 15% 20,268 19% 16,967 36% 12,493 61.4 3% 59.7 10% 54.4 -4% 56.8 127,154 8% 117,585 -4% 122,654 8% 113,509 33,230 85% 17,947 n/a n/a n/a n/a 38.9 37% 28.3 n/a n/a n/a n/a 37,538 20% 31,313 n/a n/a n/a n/a All MFIs Age New Young Mature Charter Type Bank NBFI NGO Financial Intermediation Non FI Low FI High FI Methodology Individual Individual/Solidarity Solidarity Village Banking Outreach Small (Outreach) Medium (Outreach) Large (Outreach) Profit Status For 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 For definitions of Peer Groups, refer to pages 59 to 66. For details on indicator definitions, refer to pages 55 to 58. "n/a" denotes results for Peer Groups with less than three observations 38 MICROBANKING BULLETIN, MARCH 2005
- Page 1 and 2: Trend Lines THE MICROBANKING BULLET
- Page 3 and 4: We would like to thank the followin
- Page 5 and 6: TREND LINES ISSUE NO. 10 MARCH 2005
- Page 8: From the Editor The tenth edition o
- Page 11 and 12: FEATURE ARTICLE Figure 3: Balance s
- Page 13 and 14: FEATURE ARTICLE applies to all MFIs
- Page 15 and 16: FEATURE ARTICLE It is difficult to
- Page 17 and 18: CASE STUDIES Figure 2: Compartamos
- Page 19 and 20: CASE STUDIES Figure 5: Lower cost p
- Page 21 and 22: CASE STUDIES USD 3,272,480 when it
- Page 23 and 24: CASE STUDIES resources are among th
- Page 25 and 26: CASE STUDIES attempted to broaden t
- Page 27 and 28: CASE STUDIES Learning from clients
- Page 30 and 31: BULLETIN HIGHLIGHTS BULLETIN HIGHLI
- Page 32 and 33: BULLETIN HIGHLIGHTS perspective, th
- Page 34 and 35: BULLETIN HIGHLIGHTS cussed widely i
- Page 36: BULLETIN HIGHLIGHTS to the asset ba
- Page 39 and 40: BULLETIN TABLES More detailed infor
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- Page 75 and 76: APPENDICES MFIs that borrow from ba
- Page 77 and 78: APPENDICES Statistical Issues The B
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