Mfi Performance Monitoring 2972013 Eng

7/27/2019 Mfi Performance Monitoring 2972013 Eng

1/5

MFI Performance Monitoring

Self-reported data

(Status: December 2012)

7/29/2013

Ref Description 1 2 3 4 5 6

Name of Institution

Non-Deposit

Taking MFI

Souaykan

Phatthana

Non-Deposit

Taking MFI

Sasomsab

Non-Deposit

Taking MFI

Oudomxay

Development

Phongsaly

Microfinance

Institution for

Development (IFDP)

Non-Deposit

Taking MFI

Khuamvangmai

Non-Deposit

Taking MFI

Xayniom

SUMMARY TOTALS AVERAGES

Type of InstitutionNon-Deposit

Taking MFIs

1 Number of active clients (female and male) 280 658 2,726 2,802 99 7,570 14,135 2,356

2 Number of active female clients 221 498 2,299 981 77 7,570 11,646 1,941

3 Number of urban clients 251 658 1,992 2,802 99 3,564 9,366 1,561

4 Number of rural clients 29 - 734 - - 4,006 4,769 795

5 Number of clients from ethnic groups 5 - 702 - - 7,570 8,277 1,380

6 Number of active borrowers (female and male) 92 409 706 1,245 99 4,775 7,326 1,221

7 Number of group loan borrowers - - 678 - - 2,482 3,160 527

8 Number of individual loan borrowers 92 409 108 1,245 99 2,293 4,246 708

9a Number of female borrowers 63 324 678 436 77 4,775 6,353 1,059

9b % of female borrowers 68.5% 79.2% 96.0% 35.0% 77.8% 100.0% 86.7% 86.7%

9c Number of loans outstanding 92 409 786 1,445 99 4,787 7,618 1,27010a Value of total deposits (Kip) 247,813,000 518,076,400 2,221,900,092 10,805,956,000 - 4,222,698,000 18,016,443,492 3,002,740,582

10b Number of total savers 188 649 2,726 1,557 - 7,570 12,690 2,115

11 Number of branches & service units 1 1 1 4 1 6 13 2

12 Number of staff 3 7 14 25 3 31 83 14

13 Number of credit officers 1 4 6 11 2 19 43 7

14a Gross loan portfolio (Kip) 455,762,000 661,256,000 2,901,786,000 10,516,264,000 197,938,000 9,465,658,017 24,198,664,017 4,033,110,670

14b Gross loan portfolio (USD) 57,077 82,812 363,405 1,317,002 24,789 1,185,430 3,030,515 505,086

15 Group loan portfolio (Kip) - - 2,495,096,000 - - 3,746,734,342 6,241,830,342 1,040,305,057

16 Individual loan portfolio (Kip) 455,762,000 661,256,000 406,780,000 10,516,264,000 197,938,000 5,718,923,675 17,956,923,675 2,992,820,613

17a Total assets (Kip) 611,603,794 1,075,666,373 4,053,941,767 15,922,562,427 246,267,306 13,653,603,006 35,563,644,673 5,927,274,112

17b Total assets (USD) 76,594 134,711 507,695 1,994,059 30,841 1,709,906 4,453,806 742,301

18 Total equity (Kip) 299,283,722 157,489,973 1,832,041,675 3,075,970,344 241,603,838 8,953,415,765 14,559,805,317 2,426,634,220

19a Average outstanding loan size (Kip) 4,953,934 1,616,763 3,692,000 7,277,691 1,999,374 1,977,490 21,517,252 3,586,209

19b Average outstanding loan size (USD) 620 202 462 911 250 248 2,695 449

19c Average loan size / GNI per capita 49% 16% 37% 72% 20% 20% 214% 36%

20 Portfolio at risk 30+ days (%) 2.4% 6.1% 7.0% 0.6% 7.1% 0.5% 23.7% 3.95%21 Number of loans outstanding per credit officer 92 102 131 131 50 252 757 126

22 Operating expense ratio 21.6% 12% 32% 17.0% 32.6% 15.9% 131.1% 21.8%

23 Return on assets (RoA) 19.7% 1.7% 7% 2.3% 23.8% 8.4% 63% 10.5%

24 Return on equity (RoE) 47.8% 10.6% 12% 13.9% 23.8% 14.8% 122.9% 20.5%

25 Operational self-sufficiency (OSS) 157.4% 119.0% 124.0% 112.4% 183.7% 159.6% 856.1% 142.7%

Note: Exchange rate applied: 1 USD = 7,985 Kip

(BoL Reference Rate as of 28/12/12)

Non-Deposit-Taking MFIs (1-6)


2/5


Self-reported data


7/29/2013

Ref Description 7 8 9 10 11

Name of Institution SCU Vientiane

SCU

Houamchay

Phatthana

SCU Huasae ChaleunFonds Cooperatif

(FC)SCU Vanmai SUMMARY TOTALS

AVERAGES or

MEDIANS

Type of Institution

1 Number of active clients (female and male) 553 2,565 898 862 990 5,868 1,174

2 Number of active female clients 184 2,130 390 453 394 3,551 710

3 Number of urban clients - N/A 180 491 N/A 671 224

4 Number of rural clients 553 N/A 718 371 N/A 1,642 547

5 Number of clients from ethnic groups - N/A 269 - N/A 269 90

6 Number of active borrowers (female and male) 84 747 391 862 215 2,299 460

7 Number of group loan borrowers - - - - N/A - -

8 Number of individual loan borrowers 84 747 391 862 N/A 2,084 521

9a Number of female borrowers 30 625 154 453 85 1,347 269

9b % of female borrowers 35.7% 83.7% 39.4% 52.6% 39.5% 58.6% 58.6%

9c Number of loans outstanding 84 747 391 862 215 2,299 46010a Value of total deposits (Kip) 202,781,092 1,333,089,500 1,293,827,016 439,113,864 390,685,700 3,659,497,172 731,899,434

10b Number of total savers 564 1,818 677 186 N/A 3,245 811

11 Number of branches & service units - 1 1 10 1 13 1

12 Number of staff 4 7 8 59 5 83 7

13 Number of credit officers 1 4 4 14 2 25 4

14a Gross loan portfolio (Kip) 278,063,000 1,310,218,500 1,875,168,497 5,382,554,016 422,582,000 9,268,586,013 1,853,717,203

14b Gross loan portfolio (USD) 34,823 164,085 234,836 674,083 52,922 1,160,750 232,150

15 Group loan portfolio (Kip) - - - - N/A - -

16 Individual loan portfolio (Kip) 278,063,000 1,310,218,500 1,875,168,497 5,382,554,016 N/A 8,846,004,013 2,211,501,003

17a Total assets (Kip) 505,149,960 2,114,298,075 2,178,930,457 6,529,805,628 683,141,289 12,011,325,409 2,402,265,082

17b Total assets (USD) 63,262 264,784 272,878 817,759 85,553.07 1,504,236 300,847

18 Total equity (Kip) 286,635,063 723,333,678 863,910,424 3,888,024,558 187,670,589 5,949,574,312 1,189,914,862

19a Average outstanding loan size (Kip) 3,582,833 1,753,974 4,795,880 6,244,262 1,965,498 18,342,447 3,668,489

19b Average outstanding loan size (USD) 449 220 601 782 246 2,297 459

19c Average loan size / GNI per capita 36% 17% 48% 62% 20% 182% 36%

20 Portfolio at risk 30+ days (%) N/A 9.4% 4.6% 32.0% 7.2% 53.2% 13.3%21 Number of loans outstanding per credit officer 84 187 98 62 108 538 108

22 Operating expense ratio 48% 22.6% 17.7% 60% 32.2% 180.5% 36.1%

23 Return on assets (RoA) N/A 4.8% 14.7% N/A 7.2% 26.7% 8.9%

24 Return on equity (RoE) N/A 12.3% 36.0% N/A 28.6% 76.9% 25.6%

25 Operational self-sufficiency (OSS) N/A 122.0% 154.0% 77% 128.6% 481.6% 120.4%



SCUs (7 - 11)SCUs


3/5


Self-reported data


7/29/2013

Ref Description 12 13 14 15 16

Name of Institution

Deposit Taking

MFI Champa Lao

Deposit Taking

MFI SaynhaiSamphanh

Deposit Taking

MFI EMI

Deposit Taking

MFI WFDF

Deposit Taking

MFI

Development

(DMID)

SUMMARY TOTALS AVERAGES

Type of Institution

1 Number of active clients (female and male) 3,182 4,649 10,231 3,240 8,051 29,353 5,871

2 Number of active female clients 1,989 1,446 7,652 3,240 6,440 20,767 4,153

3 Number of urban clients 1,966 N/A 7,736 667 - 10,369 2,592

4 Number of rural clients 1,216 N/A 2,495 2,573 8,051 14,335 3,584

5 Number of clients from ethnic groups 966 N/A - N/A N/A 966 483

6 Number of active borrowers (female and male) 628 3,860 3,997 1,512 608 10,605 2,121

7 Number of group loan borrowers 130 - 1,286 - - 1,416 283

8 Number of individual loan borrowers 498 3,860 2,711 1,512 608 9,189 1,838

9a Number of female borrowers 358 1,009 3,329 1,512 345 6,553 1,3119b % of female borrowers 57.0% 26.1% 83.3% 100.0% 56.7% 61.8% 61.8%

9c Number of loans outstanding 628 3,860 3,997 1,512 608 10,605 2,121

10a Value of total deposits (Kip) 1,751,267,000 13,565,597,287 19,318,203,673 2,339,166,000 7,342,209,740 44,316,443,700 8,863,288,740

10b Number of total savers 2,554 4,649 10,596 3,240 7,443 28,482 5,696

11 Number of branches & service units - 3 8 4 - 15 3

12 Number of staff 9 42 73 31 18 173 35

13 Number of credit officers 3 16 29 17 8 73 15

14a Gross loan portfolio (Kip) 2,996,797,000 18,616,903,400 16,976,856,000 3,913,334,000 8,844,926,000 51,348,816,400 10,269,763,280

14b Gross loan portfolio (USD) 375,303 2,331,484 2,126,093 490,086 1,107,693 6,430,660 1,286,132

15 Group loan portfolio (Kip) 494,400,000 - 2,601,211,000 - - 3,095,611,000 619,122,200

16 Individual loan portfolio (Kip) 2,502,397,000 18,616,903,400 14,375,645,000 3,913,334,000 8,844,926,000 48,253,205,400 9,650,641,080

17a Total assets (Kip) 4,195,159,872 23,284,925,653 23,094,714,114 8,849,723,925 9,920,720,306 69,345,243,870 13,869,048,774

17b Total assets (USD) 525,380.07 2,916,083.36 2,892,262.26 1,108,293.54 1,242,419.57 8,684,438.81 1,736,888

18 Total equity (Kip) 1,715,382,945 2,000,000,000 2,160,392,802 5,704,948,925 2,243,969,320 13,824,693,992 2,764,938,79819a Average outstanding loan size (Kip) 4,771,969.75 4,823,032 4,247,400 2,588,184 14,547,576 30,978,161 6,195,632

19b Average outstanding loan size (USD) 598 604 532 324 1,822 3,880 776

19c Average loan size / GNI per capita 47% 48% 42% 26% 145% 308% 62%

20 Portfolio at risk 30+ days (%) 1.0% 35% 1.2% 0.5% 2.2% 39.9% 8.0%

21 Number of loans outstanding per credit officer 209 241 138 89 76 753 151

22 Operating expense ratio 43.8% 18% 34.1% 34.6% 30.6% 161.1% 32.2%

23 Return on assets (RoA) 0.5% -1% 3.1% 10.7% 2.8% 16.2% 3.2%

24 Return on equity (RoE) 1.0% -8% 29.5% 16.5% 12.0% 51.0% 10.2%

25 Operational self-sufficiency (OSS) 106.0% 98.0% 112.1% 152.0% 109.5% 577.6% 115.5%



Deposit Taking MFIs (12-16)Deposit Taking MFIs


4/5


Self-reported data


7/29/2013

Ref Description 17a 17b 18a 18b 19a 19b 20a 20b

Name of InstitutionSUMMARY

TOTALSAVERAGES

SUMMARY

TOTALSAVERAGES

Type of Institution NDTMFINetwork Support

Organisation (NSO)NDTMFI

Network Support


Network Support


Network Support

Organisation (NSO)

1 Number of active clients (female and male) 219 4,451 56 10,862 56 5,694 103 5,015 434 108.50 26,022 6,506

2 Number of active female clients 164 2,334 50 10,862 20 3,678 60 4,513 294 73.50 21,387 5,347

3 N umber of urban c li ents N/A 305 53 - 24 554 43 243 120 40.00 1,102 276

4 N umber of rural c li ents N/A 4,146 3 10,862 12 5,140 34 4,772 49 16 24,920 6,230

5 Number of cl ients from ethnic groups N/A - 3 10,862 - N/A 34 - 37 12 10,862 3,621

6 Number of active borrowers (female and male) 219 1,169 56 3,965 54 1,208 58 3,817 387 97 10,159 2,540

7 Number of group loan borrowers 1 - 3 - - - 15 3,817 19 5 3,817 954

8 Number of individual loan borrowers 218 1,169 53 3,965 54 1,208 43 - 368 92 6,342 1,586

9a Number of female borrowers 164 616 50 3,965 20 588 36 1,825 270 68 6,994 1,749

9b % of female borrowers 74.9% 52.7% 89.3% 100.0% 37.0% 48.7% 62.1% 47.8% 69.8% 69.8% 68.8% 68.8%

9c Number of loans outstanding 219 1,187 56 3,965 54 1,208 58 3,817 387 97 10,177 2,544

10a Value of total deposits (Kip) 1,295,731,000 4,652,785,600 18,890,000 373,987,000 N/A 1,122,040,000 305,966,000 N/A 1,620,587,000 540,195,666.67 6,148,812,600 2,049,604,200

10b Number of total savers N/A 4,451 51 10,862 N/A 4,496 62 4,772 113 57 24,581 6,145

11 Number of branches & service units N/A 46 - N/A 1 42 1 45 2 0.7 133 44

12 Number of staff 9 230 4 4 7 7 8 167 28 7 408 102

13 Number of credit officers 4 46 4 4 3 3 4 167 15 4 220 55

14a Gross loan portfolio (Kip) 1,294,190,000 3,014,641,380 175,289,000 4,672,572,000 463,346,000 1,605,285,000 876,300,000 2,721,168,000 2,809,125,000 702,281,250 12,013,666,380 3,003,416,595

14b Gross loan portfolio (USD) 162,078 377,538 21,952 585,169 58,027 201,038 109,743 340,785 351,800 87,950 1,504,529 376,132

15 Group loan portfolio (Kip) N/A N/A 44,039,000 - 25,000,000 - 406,600,000 2,231,896,000 475,639,000 158,546,333 2,231,896,000 743,965,333

16 Individual loan portfolio (Kip) N/A 3,014,641,380 131,250,000 4,672,572,000 438,346,000 1,605,285,000 469,700,000 - 1,039,296,000 346,432,000 9,292,498,380 2,323,124,595

17a Total assets (Kip) 1,571,847,576 6,808,258,800 266,782,686 5,027,883,000 892,085,000 1,922,864,500 1,180,300,243 3,194,812,808 3,911,015,505 977,753,876 16,953,819,108 4,238,454,777

17b Total assets (USD) 196,850 852,631 33,410 629,666 111,720 240,810 147,815 400,102 489,795 122,449 2,123,208 530,802

18 Total equity (Kip) 276,124,576 N/A 247,892,686 352,442,000 781,879,000 756,905,500 820,292,478 2,762,048,000 2,126,188,740 531,547,185 3,871,395,500 1,290,465,16719a Average outstanding loan size (Kip) 5,909,543 2,539,715 3,130,161 1,178,454 8,274,000 1,328,878 15,108,621 712,908 32,422,325 8,105,581 5,759,955 1,439,989

19b Average outstanding loan size (USD) 740 318 392 148 1,036 166 1,892 89 4,060 1,015 721 180

19c Average loan size / GNI per capita 59% 25% 31% 12% 82% 13% 150% 7% 322% 81% 57% 14.3%

20 Portfolio at risk 30+ days (%) 13.5% 14.30% 13.4% 7.3% 2.98% 22.1% 1.7% 18.0% 32% 8% 62% 15.4%

21 Number of loans outstanding per credit officer 55 26 14 991 18 403 14 23 101 25 1,443 361

22 O perating expense ratio 31.1% N/A 35% 5.1% N/A 4% 39.0% 7% 105% 35% 16% 5.4%

23 Return on assets (RoA) -7.0% N/A -10% 8.0% 20.2% N/A 11% 6% 14% 4% 14.0% 7%

24 Return on equity (RoE) -30.2% N/A -9% 112% N/A N/A 15% 7% -24% -8% 119% 60%

25 Operational self-sufficiency (OSS) 81.3% N/A N/A 200% 58% 190% 153% 150% 292% 97% 540% 180%



Village Bank Service Center (VBCS) VDFA Bokeo CCSA Khob-Xienghone Association CCSA Hongsa

MFIs under NSOs (17a-20a) NSOs (17b-20b)


5/5


Self-reported data


7/29/2013

Ref Description

Name of Institution ALL TOTALSALL AVERAGES /

(Medians)

Type of Institution

1 Number of active clients (female and male) 75,378 3,769

2 Number of active female clients 57,351 2,868

3 Number of urban clients 21,508 1,265

4 Number of rural clients 45,666 2,686

5 Number of clients from ethnic groups 20,374 1,455

6 Number of active borrowers (female and male) 30,389 1,519

7 Number of group loan borrowers 8,393 442

8 Number of individual loan borrowers 21,861 1,151

9a Number of female borrowers 21,247 1,062

9b % of female borrowers 69.9% 70%

9c Number of loans outstanding 30,699 1,535

10a Value of total deposits (Kip) 72,141,196,964 3,796,905,103

10b Number of total savers 68,998 3,631

11 Number of branches & service units 174 3

12 Number of staff 747 24

13 Number of credit officers 361 11

14a Gross loan portfolio (Kip) 96,829,732,810 4,841,486,641

14b Gross loan portfolio (USD) 12,126,454 606,323

15 Group loan portfolio (Kip) 11,569,337,342 642,740,963

16 Individual loan portfolio (Kip) 84,348,631,468 4,439,401,656

17a Total assets (Kip) 133,874,033,060 6,693,701,653

17b Total assets (USD) 16,765,690 838,284

18 Total equity (Kip) 38,205,469,121 2,010,814,164

19a Average outstanding loan size (Kip) 76,597,815 3,829,891

19b Average outstanding loan size (USD) 9,593 480

19c Average loan size / GNI per capita 761% 38.1%20 Portfolio at risk 30+ days (%) 178% 9.4%

21 Number of loans outstanding per credit officer 3,491 175

22 Operating expense ratio 489% 25.7%

23 Return on assets (RoA) 120% 7.5%

24 Return on equity (RoE) 370% 23.1%

25 Operational self-sufficiency (OSS) 2455% 136.4%



All DTMFIs, NDTMFIs, SCUs & NSOs (1-16,

17b-20b)

Documents

Mfi Performance Monitoring 2972013 Eng