MICROBANKING BULLETIN - Microfinance Information Exchange

BULLETIN HIGHLIGHTS AND TABLESTABLE A: INSTITUTIONAL CHARACTERISTICS AND OUTREACH INDICATORSTOTAL ASSETS CAPITAL / ASSETS “MARKET” BASEDFUNDINGall liabilities with “market”CRITERIAtotal capital / total assets cost / avg loan portfolio(US$)(%)(%)AGE New (1 - 2 years) avg 2,356,811* 55.8 13.1*stdv 1,260,124 30.3 19.1N 22 22 22Young (3 - 6 years) avg 4,622,207 57.0 29.0stdv 4,726,330 32.8 70.3N 22 22 22Mature (> 6 years) avg 61,781,141 48.4 57.1*stdv 372,003,749 24.4 47.6N 64 64 64SCALE OF Large (Portfolio > US$ 8 million) avg 190,543,109* 32.0* 88.5*OPERATIONS stdv 658,415,764 21.1 72.9N 20 20 20Medium (Portfolio US$ 1 to 8 million) avg 4,276,559 54.3 37.4stdv 2,391,563 25.1 39.5N 65 65 65Small (Portfolio < US$ 1 million) avg 1,226,378* 61.8 14.3*stdv 755,236 30.6 26.8N 23 23 23METHOD- Individual avg 70,133,026 43.4 60.0*OLOGY stdv 420,616,841 26.0 60.6N 50 50 50Solidarity Groups avg 10,792,057* 51.7 33.6(groups of 3 to 9 borrowers) stdv 20,727,044 25.7 38.8N 38 38 38Village Banking avg 2,571,521* 72.7* 12.8*(groups with ≥ 10 borrowers) stdv 1,892,150 22.9 19.3N 20 20 20RETAIL Financial Intermediaries avg 139,042,446* 23.6* 126.2*FINANCIAL (passbook and time deposits stdv 593,003,373 16.5 64.3INTER- ≥ 20% of total assets) N 25 25 25MEDIARYOther avg 5,890,092 60.3* 20.4*(passbook and time deposits stdv 10,683,267 25.6 24.7< 20% of total assets) N 85 85 85TARGET Low-end avg 5,102,014 63.4* 21.8GROUP (depth < 20% OR avg. loan balance stdv 12,552,299 26.7 31.5< US$ 150) N 48 48 48Broad avg 69,897,939 43.3* 59.6*(depth between 20% and 149%) stdv 420,629,069 24.6 46.7N 50 50 50High-end avg 14,190,423* 37.6 41.2(depth ≥ 150%) stdv 15,930,427 26.1 77.3N 10 10 10Note: Standard deviations and sample sizes are listed below the group averages. The averages are calculated on the basis of the values between the second andthe 99th percentiles for each group; therefore, sample sizes vary across indicators. Group averages different from average for all MFIs at 5 percent significancelevel are marked with an asterisk (*). Additional statistical information is available at www.calmeadow.com.48 MICROBANKING BULLETIN, SEPTEMBER 2000