Performance Report


  

 Balance Sheet (in US$)  31-Jan-2019   31-Dec-2018   31-Dec-2017   31-Dec-2016
 Gross Loan Outstanding 229,495,717  221,942,586   190,672,501  142,322,425   
 Total Assets  273,037,768  263,661,042   221,022,862 175,367,440 
 Total Liabilities  238,267,830  229,402,467  190,857,279  148,566,790 
 Total Equity 34,769,938  34,258,576    30,165,583  26,800,650 
 Profit & Loss Statement(in US$)   31-Jan-2019 31-Dec-2018   31-Dec-2017   31-Dec-2016
 Total Financial Income  3,691,675   40,019,063  34,902,356  34,927,765 
 Gain / (Loss) on Foreingn Exchange 69,054   77,021 79,867  
 Total Financial Cost 1,469,248  15,009,093  12,360,633  10,795,695
 Gross Financial Margin 2,291,481​ ​ 25,086,991  22,621,590  24,132,070 
Provision for Loan Loss 70,523  2,076,589   1,046,487  1,382,678  
 Net Financial Margin​  2,220,958​ ​   23,010,401  21,575,102  22,749,392 
 Total Operating Expense 1,594,451  18,068,061  16,895,596  19,614,762  
 Net Operating(Lost)/ Income before Tax 626,507  4,942,340​   4,679,506  3,134,630 
 Income Tax Expense  119,822  1,063,704    918,696  838,683 
 Net Operating(Lost) / Income after Tax 506,684  3,878,636​   3,760,810  2,295,947 
 Grant Income 4,678   214,357   302,016  260,135 
 Net(Lost)/ Income  ​511,363 ​   4,092,993    4,062,826  2,556,082 
 Portfolio Report   31-Jan-2019   31-Dec-2018   31-Dec-2017   31-Dec-2016
 PAR 0+ 1.74%  19.15%  1.89%   2.21% 
 PAR 30+ 1.00% 

1.01% 

1.06%  1.12% 
 WRITE-OFF 0.00%  0.28%  0.37%   0.42% 
 Efficiency Ratios   31-Jan-2019   31-Dec-2018   31-Dec-2017   31-Dec-2016
 Number of Loans per Credit Officer 115  116  126  136 
 Loans Portfolio per Credit Officer   382,493  370,522  312,578 239,134  
 Yield on Portfolio 1.61% 19.15%  20.55%  21.40% 
 Operating Expense Ratio 0.71% 8.76%  10.15%  11.37% 
 Profitability Ratios   31-Jan-2019   31-Dec-2018   31-Dec-2017   31-Dec-2016
 ROA 0.19%  1.69%  2.05%  1.58% 
 ROE 1.48%  12.71%  15.15%  11.08% 
 ROCE 2.05%  19.82%  17.44%  15.72% 
 OSS 118%  114%  114%  111% 
 Indicators   31-Jan-2019   31-Dec-2018   31-Dec-2017   31-Dec-2016
 N. Of Borrowing Accounts 77,339 77,801 83,405 83,405 
 % Of Woman Borrowers 94%  88% 88% 88% 
 N. Of Saving Accounts  69,465 68,265 63,419 63,419
 % Of Woman Savers 73%  73%  73%  72%
 Values Of Saving Collected    134,807,645   131,206,773 97,024,954  68,799,547