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 MFIsAge 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 PERFORMANCEMACROECONOMIC 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 the2009 ** 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 Martín 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

Fundación 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

FinComún 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

Fundación 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

Visión 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

Fundación 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 Jardín 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 Família 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

Fundación 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

Fundación 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 Popayán 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

Fundación León 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 Fé 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

MC² 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 José 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

Fundación 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

Génesis 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

FinAmérica 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

Fundación 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

Fundación 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 the2009 * 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

ALIDé 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 the2009 ** 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 the2009 ** Mature NGO Non FI Individual/ Solidarity Medium (Outreach) Not for Profit Africa Small (Scale) Broad

CVECA Kita/Bafoulabé Mali 2009 * Mature NGO High FI Individual/ Solidarity Small (Outreach) Not for Profit Africa Small (Scale) Broad

BMM Córdoba 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 Visión 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 Jesús 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 Señor 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

Fundación 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

Asociación 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

Asociación 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 León XIII Peru 2009 * Mature Credit Union High FI Individual Medium (Outreach) Not for Profit LAC Medium (Scale) Broad

CRAC Sipán Peru 2009 * Mature NBFI High FI Individual Small (Outreach) Profit LAC Medium (Scale) Broad

EDPYME Raíz 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 Fátima 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

São 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

Asociación 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 UMUTANGUHARwanda 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 Credivisión 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 Económico 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

CrediComún 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

CrediConfía 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 Benéfica 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

Bancamía 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 Cristóbal 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

Fácil 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

Crédito Solidário 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 Microcrédito 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

Solución 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: [email protected]

web site: www.themix.org

1 English Bahasa Indonesia Chinese

2 Table of Contents Table of Contents 目录

3 Comparative Analysis Comparative Analysis Comparative Analysis

4 Adjusted and Reclassified Financial Statements Adjusted and Reclassified Financial Statements 调整或重组了的财务报表

5 Summary of Adjustments Summary of Adjustments 调整摘要

6 Indicator Definitions Indicator Definitions 指标定义

7 Notes to Adjustments and Peer Groups Notes to Adjustments and Peer Groups 对调整和相似群体的注解

8 Financial Term Definitions Financial Term Definitions 金融术语定义

9 Peer Group Classifications Peer Group Classifications 相似群分类

10 Benchmark Data Benchmark Data 指标数据

11 About MIX About MIX 关于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 operationalEl MIX ha preparado este Informe de Desempeño Personalizado basado en la información proporcionada por su institución y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistirá a comprender el desempeño de sus instituciones, normalizado con acuerdo a los términos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparación de desempeño y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un análisis de comparación significativa. Las reclasificaciones de cuentas, ajustes analíticos y la normalización de razones que MIX emplea aumenta la comparación 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 considerarán este reporte y el benchmarking útil para: > La ubicación del dEl MIX ha preparado este Informe de Desempeño Personalizado basado en la información proporcionada por su institución y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistirá a comprender el desempeño de sus instituciones, normalizado con acuerdo a los términos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparación de desempeño y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un análisis de comparación significativa. Las reclasificaciones de cuentas, ajustes analíticos y la normalización de razones que MIX emplea aumenta la comparación 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 considerarán este reporte y el benchmarking útil para: > La ubicación 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 ownEste informe le guiará a través de un análisis comparativo de su institución. Cada sección subsiguiente revela más datos esenciales y procesos involucrados en el análisis. Continué leyendo para aprender más. El análisis comparativo, por ejemplo, destaca el desempeño de su institución, sintetizado a través de un análisis por escrito con gráficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analítico de desempeño, y el resumen de ajustes que explican el impacto analítico por ajustes de provisión para incobrables, subvención e inflación que afectan la posición de su IMF. Las notas de los indicadores, términos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este análisis. Por último, para los usuarios más avanzados, el MIX proporciona indicadores de desempeño comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite persoEste informe le guiará a través de un análisis comparativo de su institución. Cada sección subsiguiente revela más datos esenciales y procesos involucrados en el análisis. Continué leyendo para aprender más. El análisis comparativo, por ejemplo, destaca el desempeño de su institución, sintetizado a través de un análisis por escrito con gráficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analítico de desempeño, y el resumen de ajustes que explican el impacto analítico por ajustes de provisión para incobrables, subvención e inflación que afectan la posición de su IMF. Las notas de los indicadores, términos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este análisis. Por último, para los usuarios más avanzados, el MIX proporciona indicadores de desempeño comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite perso



26 Year: Tahun: 年度

27 Data Quality Grade: Tingkat Kualitas Data: 数据质量评级

28 Currency: Mata Uang: 货币

29 US Dollar Dolar US 美元

30 Unadjusted* Unadjusted* 未调整的总贷款组合

31 Adjusted Disesuaikan 调整的

32 INSTITUTIONAL CHARACTERISTICS CIRI-CIRI KELEMBAGAAN 体制特点

33 Number of MFIs Jumlah LKM MFI数量

34 Age Usia 成立年限

35 Total Assets Jumlah Aktiva 总资产

36 Offices Kantor 办公室

37 Personnel Tenaga Kerja 职员

38 FINANCING STRUCTURE STRUKTUR PEMBIAYAAN 财务结构

39 Capital/ Asset Ratio Rasio Modal/Aktiva 资本/资产比

40 Commercial Funding Liabilities Ratio Rasio Kewajiban Pendanaan Komersial 商业贷款负债比率

41 Debt to Equity Rasio Hutang/Modal 债务权益比

42 Deposits to Loans Deposito berbanding Kredit 存款与贷款比

43 Deposits to Total Assets Deposito berbanding Jumlah Aktiva 存款与总资产比

44 Portfolio to Assets Portofolio Kredit Kotor/Jumlah Aktiva 总贷款组合占总资产比率

45 OUTREACH INDICATORS INDIKATOR-INDIKATOR JANGKAUAN 外展指标

46 Number of Active Borrowers Jumlah Peminjam Aktif 活跃借款人数目

47 Percent of Women Borrowers Persentase Peminjam Wanita 女性借款人比例

48 Number of Loans Outstanding Jumlah Kredit Belum Lunas 现有贷款数目

49 Gross Loan Portfolio Portofolio Kredit Kotor 总贷款组合

50 Average Loan Balance per Borrower Saldo Kredit Rata-rata per Peminjam 平均每借款人的贷款余额

51 Average Loan Balance per Borrower/ GNI per Capita Saldo Kredit Rata-rata per Peminjam/ GNI per Kapita 平均每借款人的贷款余额/人均国民总收入

52 Average Outstanding Balance Saldo Rata-rata Belum Lunas 平均现有借款余额

53 Average Outstanding Balance/ GNI per Capita Saldo Rata-rata Belum Lunas/ GNI per Kapita 平均现有借款余额/人均国民收入

54 Number of Depositors Jumlah Penabung Sukarela 自愿存款人数目

55 Number of Deposit Accounts Jumlah Rekening Penabung Sukarela 资源存款账户数目

56 Deposits Tabungan Sukarela 自愿性借款人

57 Average Deposit Balance per Depositor Saldo Tabungan Rata-rata per Penabung 平均每存款户的存款余额

58 Average Deposit Balance per Depositor/ GNI per capita Average Deposit Balance per Depositor/ GNI per capita平均每存款户的存款余额

59 Average Deposit Account Balance Saldo Rata-rata Rekening Tabungan 平均存款余额

60 Average Deposit Account Balance/ GNI per capita Average Deposit Account Balance/ GNI per capita 存款账户平均余额/人均国民总收入

61 MACROECONOMIC INDICATORS INDIKATOR-INDIKATOR MAKRO EKONOMI 宏观经济指标

62 GNI per Capita GNI per Kapita 基尼系数

63 GDP Growth Rate Tingkat Pertumbuhan GDP GDP增长率

64 Deposit Rate Tingkat Bunga Deposito 存款利率

65 Inflation Rate Tingkat Inflasi 通货膨胀率

66 Financial Depth Kedalaman Keuangan 金融深度

67 OVERALL FINANCIAL PERFORMANCE KINERJA KEUANGAN MENYELURUH 总体财务表现

68 Return on Assets Return on Assets 资产回报率

69 Return on Equity ROE 净资产回报率

70 Operational Self-Sufficiency Swasembada Operasional 经营可持续

71 Financial Self-Sufficiency Swasembada Keuangan 财务可持续

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 收入

77 Financial Revenue/ Assets Financial Revenue/ Assets 财务收入/资产

78 Profit Margin Margin Laba 盈利率

79 Yield on Gross Portfolio (nominal) Keuntungan Portofolio Kotor (nominal) 总贷款组合收益（名义上的）

80 Yield on Gross Portfolio (real) Keuntungan Portofolio Kotor (nyata) 总贷款组合收益（实际上的）

81 EXPENSES PENGELUARAN 费用

82 Total Expense/ Assets Jumlah Pengeluaran / Jumlah Aktiva 总费用/资产

83 Financial Expense/ Assets Financial Expense/ Assets 财务费用/资产

84 Provision for Loan Impairment/ Assets Pengeluaran Penyisihan Penghapusan Kredit Macet / Jumlah Aktiva贷款损失计提

85 Operating Expense/ Assets Operating Expense/ Assets 经营费用/资产

86 Personnel Expense/ Assets Pengeluaran Personalia / Jumlah Aktiva 人事费用/资产

87 Administrative Expense/ Assets Pengeluaran Administratif / Jumlah Aktiva 管理费用/资产

88 Adjustment Expense/ Assets Pengeluaran Penyesuaian / Jumlah Aktiva 调整费用/资产

89 EFFICIENCY EFISIENSI 效率

90 Operating Expense/ Loan Portfolio Pengeluaran Operasional/Portofolio Kredit 经营费用/贷款组合

91 Personnel Expense/ Loan Portfolio Pengeluaran Personalia/Portofolio Kredit 人事费用/贷款组合

92 Average Salary/ GNI per Capita Gaji Rata-rata/GNI per Kapita 平均薪水/国民人均收入

93 Cost per Borrower Biaya per Peminjam 每一个借款人的成本

94 Cost per Loan Biaya per Kredit 每一笔贷款的成本

95 PRODUCTIVITY PRODUKTIVITAS 生产力

96 Borrowers per Staff Member Peminjam berbanding Karyawan 每一工作人员所面对的借款人

97 Loans per Staff Member Kredit berbanding Karyawan 每贷款专员所负责的贷款

98 Borrowers per Loan Officer Peminjam berbanding Pejabat Kredit 每一信贷员所面对的借款人

99 Loans per Loan Officer Kredit berbanding Pejabat Kredit 每一几款人所负责的借款数目

100 Depositors per Staff Member Penabung Sukarela per Karyawan 每一工作人员所面对的自愿借款额人

101 Deposit Accounts per Staff Member Rekening Tabungan per Karyawan 每一工组人员所负责的存款帐目

102 Personnel Allocation Ratio Rasio Alokasi Personalia 人事安排比例

103 RISK AND LIQUIDITY RISIKO DAN LIKUIDITAS 风险和流动性

104 Portfolio at Risk > 30 Days Portofolio Yang Mengandung Risiko > 30 Hari 风险组合>30天

105 Portfolio at Risk > 90 Days Portofolio Yang Mengandung Risiko > 90 Hari 风险组合>90天

106 Write-off Ratio Rasio Penghapusan Kredit 计提比率

107 Loan Loss Rate Tingkat Kredit Macet 贷款损失比率

108 Risk Coverage Ratio Perlindungan Risiko 风险比率

109 Non-earning Liquid Assets as a % of Total Assets Aktiva Cair yang Tidak Menghasilkan sebagai % Jumlah Aktiva非远程学费的赞希，是能独一酒瘾啊

110 Current Ratio Rasio Lancar 流动比率

111 Adjusted and Reclassified Financial Statements Adjusted and Reclassified Financial Statements 调整或重组了的财务报表

112 BALANCE SHEET NERACA 资产负债表

113 Unadjusted Accounts Rekening-rekening yang Tidak Mengalami Penyesuaian未调整的资产

114 Adjusted Accounts Rekening-rekening yang Mengalami Penyesuaian 调整的资产

115 Cash and Due from Banks Kas dan Rekening Bank 现金及其他

116 Reserves from Central Bank Cadangan Bank Sentral 央行的存款

117 Trade Investments Kas dan Rekening Bank 现金及其他

118 Net Loan Portfolio Portofolio Kredit Bersih 净贷款组合


120 (Impairment Loss Allowance) (Cadangan Penghapusan Kredit Macet) 债款损失准备

121 Interest Receivable Bunga yang Masih Harus Diterima 预收利息

122 Accounts Receivable and Other Assets Piutang dan Aktiva Lainnya 预收账户和其他投资

123 Other Investments Aktiva Keuangan Jangka Panjang 其他投资

124 Net Fixed Assets Aktiva Tetap Bersih 净固定资产

125 Total Assets Jumlah Aktiva 总资产

126 Demand Deposits Rekening Koran 总债务人

127 Voluntary Deposits Tabungan Sukarela 自愿性借款人

128 Compulsory Deposits Tabungan Wajib 强制性存款

129 Time Deposits Deposito Berjangka 定期存款

130 Borrowings Pinjaman 借款

131 Borrowings at concessional interest rates Pinjaman dengan suku bunga longgar 用复利率计算的存款

132 Borrowings at commercial interest rates Pinjaman dengan suku bunga komersial 用商业利率计算的存款

133 Interest Payable Bunga yang Masih Harus Dibayar 预付利息

134 Accounts Payable and Other Liabilities Hutang dan Kewajiban Lainnya 预付账户和其他负债

135 Total Liabilities Jumlah Pasiva/Kewajiban 总负债

136 Paid-in Capital Modal Disetor 已缴股本

137 Donated Equity Modal Sumbangan 捐赠资本

138 Prior Years Tahun-tahun Lalu 上一年

139 Current Year Tahun Berjalan 当年

140 Retained Earnings Laba Ditahan 保留收益

141 Prior Years Tahun-tahun Lalu 上一年

142 Current Year Tahun Berjalan 当年

143 Adjustments to Equity Adjustments to Equity 对权益的调整

144 Inflation Adjustment Inflation Adjustment 通货膨胀调整

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 实物资助调整

147 Reserves Cadangan 储备

148 Other Equity Accounts Rekening Modal Lainnya 其他权益账户

149 Total Equity Jumlah Modal 总权益

150 Total Liabilities and Equity Jumlah Pasiva/Kewajiban dan Modal 总负债和权益

151 Currency Conversion Factor Faktor Konversi Mata Uang 货币转换因子

152 Units Unit-unit 单位

153 INCOME STATEMENT LAPORAN LABA RUGI 损益表

154 Financial Revenue Hasil Keuangan 财务收入

155 Financial Revenue from Loan Portfolio Hasil Keuangan dari Portofolio Kredit 贷款组合财务收入

156 Interest on Loan Portfolio Bunga Portofolio Kredit 贷款组合的利息

157 Fees and Commissions on Loan Portfolio Provisi dan Komisi Portofolio Kredit 贷款组合的利率

158 Financial Revenue from Investments Hasil Keuangan dari Aktiva Keuangan Lainnya 投资的财务收入

159 Other Operating Revenue Hasil Lain yang Terkait dengan Jasa Keuangan 其他经营收入

160 Financial Expense Pengeluaran Keuangan 财务费用

161 Financial Expense on Funding Liabilities Pengeluaran Keuangan atas Pasiva/Kewajiban 融资成本

162 Interest and Fee Expense on Deposits Pengeluaran Bunga dan Provisi atas Pinjaman 存款的利息与费用支出

163 Interest and Fee Expense on Borrowings Interest and Fee Expense on Borrowings 借款的利息与费用支出

164 Net Adjustment for Inflation Pengeluaran Penyesuaian Tingkat Inflasi Bersih 对通货膨胀的净调整

165 Inflation Adjustment to Equity Pengeluaran Penyesuaian Tingkat Inflasi 对所有者权益进行通货膨胀的调整

166 Inflation Adjustment to Fixed Assets Hasil Penyesuaian Tingkat Inflasi 对固定资产进行通货膨胀的调整

167 Adjustment for Subsidized Cost of Funds Pengeluaran Penyesuaian Subsidi Biaya Dana 对所资助的融资成本的调整

168 Other Financial Expense Pengeluaran Keuangan Lainnya 其他财务费用

169 Net Financial Income Pendapatan Keuangan Bersih 净财务收入

170 Impairment Losses on Loans Pengeluaran Bersih Penyisihan Penghapusan Kredit 贷款损失

171 Provision for Loan Impairment Pengeluaran Penyisihan Penghapusan Kredit Macet 对贷款损失的计提

172 Value of Loans Recovered Penghapusan Kredit Macet yang Berhasil Ditagih Kembali坏账恢复金额

173 Operating Expense Pengeluaran Operasional 经营费用

174 Personnel Expense Pengeluaran Personalia 人事费用

175 Administrative Expense Pengeluaran Administratif 管理费用

176 Rent and Utilities Rent and Utilities 租金和设备

177 Transportation Transportasi 交通费用

178 Office Supplies Office Supplies 办公室文具

179 Depreciation and Amortization Penyusutan dan Amortisasi 折旧

180 Other Administrative Expense Pengeluaran Administratif Lainnya 其他管理费用

181 Net Operating Income Pendapatan Operasional Bersih 营业净收入

182 Net Non-Operating Income Pendapatan Non-Operasional Bersih 非营业净收入

183 Non-Operating Revenue Hasil Non-Operasional 非营业收入

184 Non-Operating Expense Pengeluaran Non-Operasional 非营业支出

185 Net Income (Before Taxes and Donations) Pendapatan Bersih (Sebelum Pajak dan Sumbangan) 净收益（捐款前和税前）

186 Taxes Pajak 税

187 Net Income (After Taxes and Before Donations) Pendapatan Bersih (Setelah Pajak dan Sebelum Sumbangan)净收益（捐款前和税后）

188 Donations Sumbangan Subsidi Jasa Keuangan 捐款

189 Net Income (After Taxes and Donations) Pendapatan Bersih (Setelah Pajak dan Sumbangan) 净收益（捐款和税后）

190 Summary of Adjustments Summary of Adjustments 调整摘要

191 INFLATION ADJUSTMENT INFLATION ADJUSTMENT 通货膨胀调整

192 Equity, beginning of period Equity, beginning of period 年初权益


194 Inflation Adjustment to Equity Pengeluaran Penyesuaian Tingkat Inflasi 对所有者权益进行通货膨胀的调整

195 Net Fixed Assets, beginning of period Net Fixed Assets, beginning of period 年初净固定资产


197 Inflation Adjustment to Fixed Assets Hasil Penyesuaian Tingkat Inflasi 对固定资产进行通货膨胀的调整

198 Net Adjustment for Inflation Pengeluaran Penyesuaian Tingkat Inflasi Bersih 对通货膨胀的净调整

199 COST OF FUNDS ADJUSTMENT COST OF FUNDS ADJUSTMENT 对资金成本的调整

200 Borrowings, beginning of period Borrowings, beginning of period 年初借款

201 Borrowings, end of period Borrowings, end of period 年末借款

202 Borrowings, period average Borrowings, period average 平均每期借款

203 Local market rate Local market rate 当地市场率

204 Cost of funds at market rate Cost of funds at market rate 资金成本的市场利率

205 Interest and Fee Expense on Borrowings Interest and Fee Expense on Borrowings 借款的利息与费用支出

206 Adjustment for Subsidized Cost of Funds Pengeluaran Penyesuaian Subsidi Biaya Dana 对所资助的融资成本的调整

207 WRITE-OFF ADJUSTMENT WRITE-OFF ADJUSTMENT 核销调整

208 Unadjusted Gross Loan Portfolio Unadjusted Gross Loan Portfolio 未调整的总贷款组合

209 PAR > 365 days PAR > 365 days 大于365天的风险组合

210 Adjusted Gross Loan Portfolio Adjusted Gross Loan Portfolio 调整后的贷款组合

211 Number of Loans Outstanding Jumlah Kredit Belum Lunas 现有贷款数目

212 No. of loans > 365 days No. of loans > 365 days 大于365天的贷款笔数

213 Adjusted Number of Loans Outstanding Adjusted Number of Loans Outstanding 调整后的现有贷款笔数

214 LOAN LOSS PROVISION ADJUSTMENT LOAN LOSS PROVISION ADJUSTMENT 贷款损失调整

215 Renegotiated portfolio Renegotiated portfolio 重新协定贷款

216 Provision factor, renegotiated loans Provision factor, renegotiated loans 计提因子，重新协定贷款

217 Reserve amount, renegotiated loans Reserve amount, renegotiated loans 保留数额，重新协定贷款

218 Portfolio at Risk 91-180 days Portfolio at Risk 91-180 days 91-180天的风险贷款组合

219 Provision factor, PAR 91-180 days Provision factor, PAR 91-180 days 90-180天的计提因子

220 Reserve amount, PAR 91-180 days Reserve amount, PAR 91-180 days 保留数额，91-180天的风险贷款组合

221 Portfolio at Risk 180-365 days Portfolio at Risk 180-365 days 180-365天的风险贷款组合

222 Provision factor, PAR 180-365 days Provision factor, PAR 180-365 days 180-365天的计提因子

223 Reserve amount, PAR 180-365 days Reserve amount, PAR 180-365 days 保留金额，180-365天的风险贷款组合

224 Minimal Adjusted Loan Loss Reserve Minimal Adjusted Loan Loss Reserve 调整后贷款损失最底保留额

225 Unadjusted Gross Loan Portfolio Unadjusted Gross Loan Portfolio 未调整的总贷款组合

226 Unadjusted Impairment Loss Allowance Unadjusted Impairment Loss Allowance 未调整的贷款损失准备

227 Unadjusted Net Loan Portfolio Unadjusted Net Loan Portfolio 未调整的净贷款组合

228 Adjusted Gross Loan Portfolio Adjusted Gross Loan Portfolio 调整后的贷款组合

229 Adjusted Impairment Loss Allowance Adjusted Impairment Loss Allowance 调整后的贷款损失准备

230 Adjusted Net Loan Portfolio Adjusted Net Loan Portfolio 调整后的净贷款组合

231 Difference, Adj. and Unadj. Net Loan Portfolio Difference, Adj. and Unadj. Net Loan Portfolio 净贷款组合，调整后与未调整的差额

232 Unadjusted Provision for Loan Impairment Unadjusted Provision for Loan Impairment 未调整的对贷款损失的计提

233 Adjusted Provision for Loan Impairment Adjusted Provision for Loan Impairment 调整后对贷款损失的计提

234 IN KIND SUBSIDY ADJUSTMENT IN KIND SUBSIDY ADJUSTMENT 实物资助调整

235 Category of donation Category of donation 捐赠分类

236 Personnel Tenaga Kerja 职员

237 Rent and utilities Rent and utilities 租金和设备

238 Transportation Transportasi 交通费用

239 Office supplies Office supplies 办公室文具

240 Other Other 其他

241 Total TOTAL 总共

242 Applied: Applied: 应用

243 Stated value Stated value 面额

244 IMF, International Financial Statistics, line 64x. IMF, International Financial Statistics, line 64x. 国际货币组织，国际金融统计，第64行

245 Effect: Enters as a separate equity account, offsets Net Income.Effect: Enters as a separate equity account, offsets Net Income.效果：按另外一个所有者权益账户录入，抵消净收入

246 IMF, International Financial Statistics, line 64x. IMF, International Financial Statistics, line 64x. 国际货币组织，国际金融统计，第64行

247 Effect: Increases Fixed Assets, Total Assets. Effect: Increases Fixed Assets, Total Assets. 效果：提高固定资产，总资产

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).效果：提高财务费用，减少净经营收入，净收入（注：如果固定资产超过所有者权益，财务费用减少，提高净经营收入，净收入）

249 IMF, International Financial Statistics, line 60L. IMF, International Financial Statistics, line 60L. 国际货币组织，国际金融统计，第60行

250 Effect: Increases Financial Expense, decreases Net Operating Income, Net Income.Effect: Increases Financial Expense, decreases Net Operating Income, Net Income.效果：提高财务费用，减少净经营收入，净收入

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.效果：减低净贷款组合，提高贷款损失计提费用，如果贷款损失保留金不足以处理计提和核销的调整费用

252 Effect: Decreases Net Operating Income, Net Income. Effect: Decreases Net Operating Income, Net Income. 效果：减低净经营收入，净收入

253 Adjustment Adjustment 调整

254 Effect: Increases total Operating Expense, reduces Net Operating Income, Net Income.Effect: Increases total Operating Expense, reduces Net Operating Income, Net Income.效果：提高总经营费用，减低净经营收入，净收入

255 Indicator Definitions Indicator Definitions 指标定义

256 Sample Size of Group Contoh ukuran kelompok 样本数目

257 Years Functioning as an MFI Berapa tahun berfungsi sebagai LKM 以小额信贷组织存在的年数

258 Total Assets, adjusted for Inflation and standardized provisioning for loan impairment and write-offsTotal Assets, adjusted for Inflation and standardized provisioning for loan impairment and write-offs总资产，经通货膨胀调整和贷款损失核销的标准化后

259 Number, including head office Jumlah kantor, termasuk kantor pusat 包括总部在内的办公室

260 Total number of staff members Jumlah karyawan 职员总人数

261 Adjusted Total Equity/ Adjusted Total Assets Jumlah Modal yang Disesuaikan/Jumlah Aktiva yang Disesuaikan调整后的总所有者权益/调整后的总资产

262 (Voluntary and Time Deposits + Borrowings at Commercial Interest Rates) / Adjusted Average Gross Loan PortfolioSeluruh kewajiban dengan harga "pasar"/Portofolio Kredit Kotor yang Disesuaikan（自愿和定期存款+在商业利率上的借款）/调整后的平均贷款总额

263 Adjusted Total Liabilities/ Adjusted Total Equity Jumlah Kewajiban yang Disesuaikan/Jumlah Modal yang Disesuaikan调整后的总负债/调整后的总所有者权益

264 Deposits/ Adjusted Gross Loan Portfolio Tabungan Sukarela/Portofolio Kredit Kotor yang Disesuaikan自愿性存款/调整后的总贷款组合

265 Deposits/ Adjusted Total Assets Tabungan Sukarela/Jumlah Aktiva yang Disesuaikan 自愿性存款/调整后的总资产

266 Adjusted Gross Loan Portfolio/ Adjusted Total Assets Portofolio Kredit Kotor yang Disesuaikan/Jumlah Aktiva yang Disesuaikan调整后的总贷款组合/调整后的总资产

267 Number of borrowers with loans outstanding, adjusted for standardized write-offsJumlah peminjam yang hutangnya belum lunas, yang disesuaikan untuk penyeragaman penghapusan现有贷款的总借款人数，经标准化核销调整

268 Number of active women borrowers/ Adjusted Number of Active BorrowersJumlah peminjam aktif wanita/Jumlah peminjam aktif yang disesuaikan有效女性借款人数/有效借款总人数

269 Number of loans outstanding, adjusted for standardized write-offsJumlah kredit belum lunas, yang disesuaikan untuk penyeragaman penghapusan kredit macet现有贷款笔数，核销标准化调整

270 Gross Loan Portfolio, adjusted for standardized write-offsPortofolio Kredit Kotor, yang disesuaikan untuk penyeragaman penghapusan kredit macet总贷款组合，标准化核销调整

271 Adjusted Gross Loan Portfolio/ Adjusted Number of Active BorrowersPortofolio Kredit Kotor yang Disesuaikan/ Jumlah Peminjam Aktif yang Disesuaikan调整总贷款组合/调整有效借款人

272 Adjusted Average Loan Balance per Borrower/ GNI per CapitaSaldo Rata-rata Kredit yang Disesuaikan per Peminjam/GNI per Kapita调整人均贷款额/国民人均收入

273 Adjusted Gross Loan Portfolio/ Adjusted Number of Loans OutstandingPortofolio Kredit Kotor yang Disesuaikan/ Jumlah Kredit Belum Lunas yang Disesuaikan调整总贷款组合/调整现有贷款笔数

274 Adjusted Average Outstanding Balance/ GNI per Capita Saldo Belum Lunas Rata-rata yang Disesuaikan/GNI per Kapita调整平均现有贷款余额/国民人均收入

275 Number of depositors with any type of deposit account Jumlah rekening tabungan sukarela rekening koran dan deposito berjangka自愿存款和定期存款的项目数

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自愿存款和定期存款的总额

278 Deposits/ Number of Depositors Tabungan Sukarela/Jumlah Penabung Sukarela 自愿性存款/自愿性存款用户

279 Average Deposit Balance per Depositor/ GNI per capita Average Deposit Balance per Depositor/ GNI per capita平均每存款户的存款余额

280 Depositors/ Number of Deposit Accounts Tabungan Sukarela/Jumlah Rekening Tabungan Sukarela自愿性存款用户/自愿性存款账户数

281 Average Deposit Account Balance/ GNI per capita Average Deposit Account Balance/ GNI per capita 存款账户平均余额/人均国民总收入

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)不论位置和人数，由一国居民创造出来的国民总收入

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)一国经济在国土范围内产生的货物和劳务的总产量的年增长率

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)提供给居民客户的定期，活期或储蓄存款的利率

285 Annual change in average consumer prices (IMF/International Financial Statistics)Annual change in average consumer prices (IMF/International Financial Statistics)每年的平均消费物价变动

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)金融总额包括货币，储蓄和电子货币(M3)/国民生产总值，衡量经济货币化

287 (Adjusted Net Operating Income - Taxes)/ Adjusted Average Total AssetsPendapatan Operasional Bersih yang Disesuaikan, bersih dari pajak/Jumlah Rata-rata Aktiva yang Disesuaikan（调整后净经营收入-税）/ 调整后平均总资产

288 (Adjusted Net Operating Income - Taxes)/ Adjusted Average Total EquityPendapatan Operasional Bersih yang Disesuaikan, bersih dari pajak/Jumlah Rata-rata Modal yang Disesuaikan（调整后净经营收入-税）/ 调整后平均总所有者权益

289 Financial Revenue/ (Financial Expense + Impairment Losses on Loans + Operating Expense)Hasil Keuangan/(Pengeluaran Keuangan + Pengeluaran Penyisihan Penghapusan Kredit Macet Bersih + Pengeluaran Operasional)财务收入/（财务费用+ 贷款损失+经营费用）

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)调整后的财务收入/调整后的（财务费用+贷款损失+经营费用）

291 Adjusted Financial Revenue/ Adjusted Average Total AssetsHasil Keuangan yang Disesuaikan/ Jumlah Rata-rata Aktiva yang Disesuaikan调整后的财务收入/调整后的总资产

292 Adjusted Net Operating Income/ Adjusted Financial RevenuePendapatan Operasional Bersih yang Disesuaikan/ Hasil Keuangan yang Disesuaikan调整后的净经营收入/调整后的财务收入

293 Adjusted Financial Revenue from Loan Portfolio/ Adjusted Average Gross Loan PortfolioHasil Keuangan dari Portofolio Kredit yang Disesuaikan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan调整后的贷款财务收入/调整后平均总贷款

294 (Adjusted Yield on Gross Portfolio (nominal) - Inflation Rate)/ (1 + Inflation Rate)(Keuntungan Portofolio Kredit (nominal) yang Disesuaikan - Tingkat Inflasi)/(1 + Tingkat Inflasi)（调整后总贷款的收益率（名义利率）-通货膨胀率)/(1+通货膨胀率）

295 Adjusted (Financial Expense + Net Impairment Loss + Operating Expense) / Adjusted Average Total AssetsPenyesuaian (Pengeluaran Keuangan + Pengeluaran Bersih Penyisihan Penghapusan Kredit Macet + Pengeluaran Operasional)/Jumlah Rata-rata Aktiva yang Disesuaikan调整后（财务支出+净贷款损失准备费用+经营费用）/调整后平均总资产

296 Adjusted Financial Expense/ Adjusted Average Total AssetsPengeluaran Keuangan yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan调整后财务支出/调整后总资产

297 Adjusted Impairment Losses on Loans/ Adjusted Average Total AssetsPengeluaran Bersih Penyisihan Penghapusan Kredit yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan调整贷款损失/调整平均总资产

298 Adjusted Operating Expense/ Adjusted Average Total AssetsPengeluaran Operasional yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan调整经营费用/调整平均总资产

299 Adjusted Personnel Expense/ Adjusted Average Total AssetsPengeluaran Personalia yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan调整人事费用/调整平均总资产

300 Adjusted Administrative Expense/ Adjusted Average Total AssetsPengeluaran Administratif yang Disesuaikan/Jumlah Rata-rata Aktiva yang Disesuaikan调整管理费用/调整平均总资产

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（未调整净经营收入-调整净经营收入）/ 调整平均总资产

302 Adjusted Operating Expense/ Adjusted Average Gross Loan PortfolioPengeluaran Operasional yang Disesuaikan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan调整经营费用/调整平均总贷款

303 Adjusted Personnel Expense/ Adjusted Average Gross Loan PortfolioPengeluaran Personalia yang disesuaikan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan调整人事费用/调整平均总贷款

304 Adjusted Average Personnel Expense/ GNI per capita Pengeluaran Rata-rata Personalia yang Disesuaikan/GNI per kapita调整人事费用/人均国民收入

305 Adjusted Operating Expense/ Adjusted Average Number of Active BorrowersPengeluaran Operasional yang Disesuaikan/Jumlah Rata-rata Peminjam Aktif yang Disesuaikan调整经营费用/调整有效借款人数目

306 Adjusted Operating Expense/ Adjusted Average Number of LoansPengeluaran Operasional yang Disesuaikan/Jumlah Rata-rata Kredit yang Disesuaikan调整经营费用/调整平均贷款总数

307 Adjusted Number of Active Borrowers/ Number of PersonnelJumlah Peminjam Aktif yang Disesuaikan/Jumlah Karyawan调整有效借款人数目/人事数目

308 Adjusted Number of Loans Outstanding/Number of PersonnelJumlah Kredit Belum Lunas yang Disesuaikan/ Jumlah Karyawan调整现有贷款数/人事数目

309 Adjusted Number of Active Borrowers/ Number of Loan OfficersJumlah Peminjam Aktif yang Disesuaikan/Jumlah Pejabat Kredit调整有效借款人数目/贷款专员数

310 Adjusted Number of Loans Outstanding/ Number of Loan OfficersJumlah Kredit Belum Lunas yang Disesuaikan/ Jumlah Pejabat Kredit调整现有贷款数目/贷款专员数

311 Number of Depositors/ Number of Personnel Jumlah Penabung Sukarela/Jumlah Karyawan 自愿借款人数目/人事数目

312 Number of Deposit Accounts/ Number of Personnel Jumlah Rekening Tabungan/Jumlah Karyawan 存款账户数目/人事数目

313 Number of Loan Officers/ Number of Personnel Jumlah Pejabat Kredit/Jumlah Karyawan 贷款专员数目/人事数目

314 Outstanding balance, portfolio overdue> 30 Days + renegotiated portfolio/ Adjusted Gross Loan PortfolioSaldo belum lunas, tunggakan kredit > 30 Hari/ Portofolio Kotor Kredit yang Disesuaikan现有余额，过期贷款>30天+重新协调的贷款/调整后的总贷款数

315 Outstanding balance, portfolio overdue> 90 Days + renegotiated portfolio/ Adjusted Gross Loan PortfolioSaldo belum lunas, tunggakan kredit > 90 Hari/ Portofolio Kotor Kredit yang Disesuaikan现有余额，过期贷款>90天+重新协调的贷款/调整后的总贷款数

316 Adjusted Value of loans written-off/ Adjusted Average Gross Loan PortfolioNilai kredit yang dihapusbukukan/Portofolio Kotor Rata-rata Kredit yang Disesuaikan调整后贷款核销值/调整后平均总贷款数

317 (Adjusted Write-offs - Value of Loans Recovered)/ Adjusted Average Gross Loan PortfolioPenyesuaian Penghapusan Kredit Macet, bersih dari yang berhasil ditagih kembali/Portofolio Kotor Rata-rata Kredit yang Disesuaikan（调整后核销值-恢复的贷款值）/调整后平均总贷款

318 Adjusted Impairment Loss Allowance/ PAR > 30 Days Cadangan Penghapusan Kredit Macet yang Disesuaikan/PAR > 30 Hari调整后贷款损失/PAR>30天

319 Adjusted Cash and banks/ Adjusted Total Assets Kas dan Bank yang Disesuaikan/Jumlah Aktiva yang Disesuaikan调整后的现金和银行存款/调整后总资产

320 Short Term Assets/ Short Term Liabilities Aktiva Jangka Pendek/Kewajiban Jangka Pendek 短期资产/短期债务

321 Notes to Adjustments and Peer Groups Notes to Adjustments and Peer Groups 对调整和相似群体的注解

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 调整摘要

329 We have adjusted the cost of funds on income statements for all MFIs to take into account the effect of inflation on an institution’s 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 institution’s 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 institution’s 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 director’s salary, free rent, or other operationaIncome 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 director’s salary, free rent, or other operationaIncome 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 director’s 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 资产负债表

334 TOTAL ASSETS Jumlah Aktiva 总资产

335 TOTAL LIABILITIES Jumlah Pasiva/Kewajiban 总负债

336 TOTAL EQUITY Jumlah Modal 总权益

337 TOTAL LIABILITIES AND EQUITY Jumlah Pasiva/Kewajiban dan Modal 总负债和权益

338 Cash, petty cash, balances in banks, including non-interest bearing depositsCash, petty cash, balances in banks, including non-interest bearing deposits现金及其他

339 Cash reserves in a central bank Cash reserves in a central bank 中央银行的现金储备

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.国债以及其它短期投资，包括含利息的存款，12个月内能转换成现金的转换物，通常是用于管理流动性的

341 Gross Loan Portfolio minus Loan Loss Reserve Gross Loan Portfolio minus Loan Loss Reserve 总贷款减去贷款损失准备

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.所有现有客户贷款的本金，包括当今，拖延以及重建的贷款，但这些贷款还没有核销。这个不包括预收利息，也不包括员工贷款。

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.这个部分已经被预留为破产开支了。它代表所有贷款损失的开销减去贷款的核销

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.所有资产账户所得的预收利息，是采用权债发生制的机构记录的

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.所有预收账目，这些包括所有除客户贷款账户以外的预收账户，包括雇员贷款

346 Long term investments not convertible to cash within 12 monthsLong term investments not convertible to cash within 12 months长期投资在12个月内不能套现

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.房屋，生产线和设备的购买，减去累计折旧。这个包括无形的资产，例如MIS的安装和名誉，减去累计折旧

348 Total of all net asset accounts Total of all net asset accounts 所有净资产总和

349 Total of Voluntary and Compulsory Savings Total of Voluntary and Compulsory Savings 所有自愿和强制存款

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 institutionDemand 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不受如何限制的公众或会员的活期存款

351 Client savings accounts that are maintained as a condition for a current or future loan and are held with the institutionClient savings accounts that are maintained as a condition for a current or future loan and are held with the institution被限定为目前或将来的贷款并由该机构保留的客户储蓄账户

352 Certificates of deposit or other fixed term deposits Certificates of deposit or other fixed term deposits 存款证明以及其他定期存款

353 Total of Commercial and Concessional Borrowings Total of Commercial and Concessional Borrowings 总商业借款和减让借款

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 所有借款，包括透支帐目，这个机构所付的名义利率低于当地的商业利率的本金余额

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 所有借款，包括透支帐目，这个机构所付的名义利率高于或等于当地的商业利率的本金余额

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.在负债项目中的预付利息，用权责发生制的机构

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.其他债务包括税和工资负债，社会扣除，拖延工资，其他预付帐目，包括不在贷款组合内的债务，例如房地产的分期付款

358 Total of all liability accounts Total of all liability accounts 贷款数目

359 Capital paid by shareholders or members Capital paid by shareholders or members 股东或会员所付的资本

360 Accumulated donations Accumulated donations 累计捐款

361 Accumulated donations from prior periods Accumulated donations from prior periods 前期累计捐款

362 Donations from the current year Donations from the current year 现年捐款

363 Accumulated net income after taxes and before donationsAccumulated net income after taxes and before donations累计净收入（税后和捐款前）

364 Accumulated net income after taxes and before donations from prior periodsAccumulated net income after taxes and before donations from prior periods上一期累计净收入（税后和捐款前）

365 Net income after taxes and before donations from the current yearNet income after taxes and before donations from the current year现年税后和捐款前的净收入

366 Value of all adjustments, including inflation adjustment Value of all adjustments, including inflation adjustment 所有调整的值，包括通货膨胀的调整

367 Value of inflation adjustment expense Value of inflation adjustment expense 通货膨胀调整的费用

368 Value of subsidized cost of funds adjustment expense Value of subsidized cost of funds adjustment expense 被资助的融资成本的调整

369 Value of in-kind subsidy adjustment Value of in-kind subsidy adjustment 实物资助调整

370 Reserves such as those imposed by law or statute. Reserves such as those imposed by law or statute. 法律法规和董事会议所要求的准备金

371 Other equity accounts not included elsewhere Other equity accounts not included elsewhere 其他没有包括到的权益账户

372 Total of all equity accounts Total of all equity accounts 所有权益账户

373 Total of Total Liabilities and Total Equity Total of Total Liabilities and Total Equity 总权益和总债务


375 NET FINANCIAL INCOME Pendapatan Keuangan Bersih 净财务收入

376 NET OPERATING INCOME Pendapatan Operasional Bersih 营业净收入

377 NET INCOME (BEFORE TAXES AND DONATIONS) Pendapatan Bersih (Sebelum Pajak dan Sumbangan) 净收益（捐款前和税前）

378 NET INCOME (AFTER TAXES AND BEFORE DONATIONS)Pendapatan Bersih (Setelah Pajak dan Sebelum Sumbangan)净收益（捐款前和税后）

379 NET INCOME (AFTER TAXES AND DONATIONS) Pendapatan Bersih (Setelah Pajak dan Sumbangan) 净收益（捐款和税后）

380 Total of revenue from loan portfolio and other financial assets, as well as other financial revenue from financial servicesTotal of revenue from loan portfolio and other financial assets, as well as other financial revenue from financial services总收入（总贷款组合以及其他金融资产，和其他金融业的金融收入）

381 Total interest, fees and commission on loan portfolio Total interest, fees and commission on loan portfolio 贷款组合上的总利息，费用和手续费

382 Interest earned on loan portfolio Interest earned on loan portfolio 贷款组合的利息

383 Penalties, commissions and other fees charged on loan portfolioPenalties, commissions and other fees charged on loan portfolio贷款组合上的罚款，手续费和其他费用

384 Net gains on other financial assets Net gains on other financial assets 金融资产上的净收入

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 servicesTotal of financial expense on liabilities, net inflation adjustment, cost-of-funds adjustment and other expenses from financial services在债务上的费用，净通货膨胀调整，资金成本的调整以及其他在金融服务业上的花费

387 Total of interest and fees paid on deposits and borrowingsTotal of interest and fees paid on deposits and borrowings支付存款和借款的利息和费用

388 Interest and fees paid on demand or term deposits Interest and fees paid on demand or term deposits 活期存款和定期存款的利息和费用

389 Interest and fees paid on borrowings Interest and fees paid on borrowings 借款的利息和费用

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.针对那些使用通货膨胀会计系统的准备。通货膨胀的净调整值

391 Cost of maintaining the value of the institution's equity Cost of maintaining the value of the institution's equity 维护机构权益的成本

392 Gain on the value of fixed assets due to inflation Gain on the value of fixed assets due to inflation 固定资产因为通货膨胀而获的利益

393 Adjustment expense for difference between market rate and concessional rate on borrowingsAdjustment expense for difference between market rate and concessional rate on borrowings市场利率和优惠利率在借款上的调整

394 Other expenses from provision of financial services, including non-financial expenses on financial products, as well as net exchange depreciationOther expenses from provision of financial services, including non-financial expenses on financial products, as well as net exchange depreciation金融业的其他费用，包括在金融产品上的非金融花费，以及利率贬值

395 Financial Revenue minus Financial Expense Financial Revenue minus Financial Expense 财务收入减财务支出

396 Sum of loan loss provision expense and recovery on loans written offSum of loan loss provision expense and recovery on loans written off核销的恢复以及贷款损失准备费用的总和

397 Loan Loss Provision Expense for the period Loan Loss Provision Expense for the period 这段时期贷款损失

398 Total recovery on loans written off Total recovery on loans written off 核销的贷款的恢复

399 Total of Personnel Expense and Administrative ExpenseTotal of Personnel Expense and Administrative Expense人事费用和管理费用总和

400 Salaries, withholdings, fringe benefits and personnel taxes paid on all those who work for the institutionSalaries, withholdings, fringe benefits and personnel taxes paid on all those who work for the institution在这家公司工作的薪酬，扣押，附带福利，以及个人所得税

401 Total of Rent and Utilities, Transportation, Office Supplies, Depreciation and Other Administrative ExpensesTotal of Rent and Utilities, Transportation, Office Supplies, Depreciation and Other Administrative Expenses房租，交通，办公室文具，折旧以及其他管理费用的总和

402 Rent and utility charges Rent and utility charges 租金和设备

403 Transportation of staff to attend to clients and to manage operationsTransportation of staff to attend to clients and to manage operations员工与客户会面和筹备的费用

404 Printed matter, supplies, photocopies, books, etc. Printed matter, supplies, photocopies, books, etc. 打印用品，文具，复印，书本等

405 Allowance for deterioration, eventual replacement of equipmentAllowance for deterioration, eventual replacement of equipment退化，最终替换设备的预备金

406 Other non-personnel administrative expenses Other non-personnel administrative expenses 其他非人事管理费用

407 Financial Revenue less Financial Expense, Net Loan Loss Provision Expense and Operating ExpenseFinancial Revenue less Financial Expense, Net Loan Loss Provision Expense and Operating Expense财务收入减财务支出，贷款损失准备花费以经营花费

408 Non-operating Revenue less Non-operating Expense Non-operating Revenue less Non-operating Expense 非经营收入减去非经营支出

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).非MFI主流活动和非提供金融服务的收入，例如IT产品的销售，咨询收入，以及BDS的费用

410 Expenses from activity unrelated to the MFIs core activity of providing financial services, such as BDS development costs or consulting expensesExpenses from activity unrelated to the MFIs core activity of providing financial services, such as BDS development costs or consulting expenses非MFI主流活动和非提供金融服务的费用，例如BDS发展和咨询费用

411 Net Operating Income less Net Non-operating Income Net Operating Income less Net Non-operating Income 净经营收入-净非经营收入

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 净收入（税前和捐赠前）减税

414 Donations made to the MFI to subsidize its operations Donations made to the MFI to subsidize its operations 对小额信贷组织的捐赠，以助于其经营

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 体制特点

419 Peer Group 1 Peer Group 1 Peer Group 1






425 Africa Afrika 非洲

426 Asia Asia 亚洲

427 ECA ECA 东欧和中亚地区

428 LAC LAC 拉丁美洲和加勒比地区

429 MENA MENA 中东和北非地区

430 Bank Bank Bank

431 Credit Union Credit Union 信用社

432 NBFI NBFI 非银行金融中介

433 NGO NGO 非政府机构

434 Rural Bank Rural Bank 农村银行

435 All MFIs All MFIs All MFIs

436 FSS FSS 财政自给

437 Non-FSS Non-FSS 非财政自给

438 Profit Profit 盈利

439 Not for Profit Not for Profit 非盈利

440 Low end Low end 低端

441 Broad Broad 广泛

442 High end High end 高端

443 Small Business Small Business 小型企业

444 Individual Individual 个人

445 Individual/ Solidarity Individual/ Solidarity 个人或者小组

446 Solidarity Solidarity 小组

447 Village Banking Village Banking 村银行

448 New Baru 新建立

449 Young Young 年轻

450 Mature Mature 成熟

451 Small (Scale) Small (Scale) 小型（规模）

452 Medium (Scale) Medium (Scale) 中型（规模）

453 Large (Scale) Large (Scale) 大型（规模）

454 Small (Outreach) Small (Outreach) 小型（覆盖率）

455 Medium (Outreach) Medium (Outreach) 中型（覆盖率）

456 Large (Outreach) Large (Outreach) 大型（覆盖率）

457 Non FI Non FI 非金融中介

458 Low FI Low FI 低金融中介

459 High FI High FI 高金融中介

460 Customized Performance Report Customized Performance Report Customized Performance Report

461 Trends Trends Trends

462 Peer Group Classifications Peer Group Classifications 相似群分类

463 PEER GROUP PEER GROUP PEER GROUP

464 N N N

465 DATA QUALITY † DATA QUALITY † DATA QUALITY †

466 PARTICIPATING INSTITUTIONS PARTICIPATING INSTITUTIONS 参与机构

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) 非洲撒哈拉沙漠以南地区

518 (South & East Asia) (South & East Asia) 南亚和东亚地区

519 (Eastern Europe & Central Asia) (Eastern Europe & Central Asia) 东欧和中亚地区

520 (Latin America & the Caribbean) (Latin America & the Caribbean) 拉丁美洲和加勒比地区

521 (Middle East & North Africa) (Middle East & North Africa) 中东和北非地区

522 (Bank) (Bank) 银行

523 (Credit Union) (Credit Union) 信用社

524 (Non - Bank Financial Intermediary) (Non - Bank Financial Intermediary) 非银行金融中介

525 (Rural Bank) (Rural Bank) 农村银行

526 (Non Government Organization) (Non Government Organization) 非政府机构

527 (Financial Self-Sufficiency > 100%) (Financial Self-Sufficiency > 100%) 财政自给率 > 100%

528 (Financial Self-Sufficiency < 100%) (Financial Self-Sufficiency < 100%) 财政自给率 < 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)每贷款人平均贷款数目/ 人均国民收入 < 20%, 每贷款人平均贷款数目< 150 美金

530 (Avg. Balance per Borrower/ GNI per Capita ≥ 20% and ≤ 150%)(Avg. Balance per Borrower/ GNI per Capita ≥ 20% and ≤ 150%)20% ≤ 每贷款人平均贷款数目/ 人均国民收入 ≤ 150%

531 (Avg. Balance per Borrower/ GNI per Capita > 150% and ≤ 250%)(Avg. Balance per Borrower/ GNI per Capita > 150% and ≤ 250%)150% < 每贷款人平均贷款数目/ 人均国民收入≤ 250%

532 (Avg. Balance per Borrower/ GNI per Capita > 250%) (Avg. Balance per Borrower/ GNI per Capita > 250%) 每贷款人平均贷款数目/ 人均国民收入 > 250%

533 (Individual & Solidarity; or Individual, Solidarity & Village Banking)(Individual & Solidarity; or Individual, Solidarity & Village Banking)个人和小组；或者个人，小组和村银行

534 (0 to 4 Years) (0 to 4 Years) 0到4年

535 (5 to 8 Years) (5 to 8 Years) 5到8年

536 ( > 8 Years) ( > 8 Years) 大于8年

537 (GLP in USD, LAC < 4,000,000; Others<2,000,000) (GLP in USD, LAC < 4,000,000; Others<2,000,000) 总贷款额以美金计算，LAC < 4,000,000; 其他地区 < 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)总贷款额以美金计算，4,000,000 ≤ LAC ≤ 15,000,000; 2,000,000 ≤ 其他地区 ≤ 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) 总贷款额以美金计算，LAC > 15,000,000; 其他地区 > 8,000,000

540 (Number of Borrowers < 10,000) (Number of Borrowers < 10,000) 贷款人人数 < 10000

541 (Number of Borrowers ≥ 10,000 and ≤ 30,000) (Number of Borrowers ≥ 10,000 and ≤ 30,000) 10,000 ≤ 贷款人人数 ≤ 30,000

542 (Number of Borrowers > 30,000) (Number of Borrowers > 30,000) 贷款人人数 > 30000

543 (Savings/ Total Assets = 0) (Savings/ Total Assets = 0) 储蓄存款/ 总资产 = 0

544 (Savings/ Total Assets > 0 and < 20%) (Savings/ Total Assets > 0 and < 20%) 储蓄存款/ 总资产 > 0 并且 < 20%

545 (Savings/ Total Assets ≥ 20%) (Savings/ Total Assets ≥ 20%) 储蓄存款/ 总资产 ≥ 20%

546 ACRONYM ACRONYM ACRONYM

547 NAME Nama 名称

548 COUNTRY COUNTRY COUNTRY

549 DATA QUALITY DATA QUALITY DATA QUALITY

550 Year: Tahun: 年度

551 Number of Borrowers Jumlah Peminjam 借款人人数

552 Participating Institutions Participating Institutions 参与机构

553

554 About MIX About MIX 关于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 industry’s 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 industry’s 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 industry’s 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 BulletinCustomized Performance Reports and MicroBanking BulletinCustomized 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 industry’s 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 industry’s 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 industry’s 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: [email protected] e-mail: [email protected] e-mail: [email protected]

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.orgThe 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.orgThe 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 América LatinaJr. León Velarde 333, Lima 14, Perú | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sénégal | Tel/Fax : +221 820 55 07MIX América LatinaJr. León Velarde 333, Lima 14, Perú | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sénégal | Tel/Fax : +221 820 55 07MIX América LatinaJr. León Velarde 333, Lima 14, Perú | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sénégal | 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 Названия графиков Названия графиков

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 活跃借款人数目


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 效率和生产率

607 Operating Expense/ LP Operating Expense/ LP Operating Expense/ LP

608 Efficiency EFISIENSI 效率

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 贷款组合质量

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 语言

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 平均

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 是

642 No No 否

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 非洲

712 Africa Large FI Afrika Large FI 非洲大型金融中介

713 Africa Large FSS Afrika Large FSS 非洲大型财政自给

714 Africa Large Non FI Afrika Large Non FI 非洲大型非金融中介

715 Africa Large Non FSS Afrika Large Non FSS 非洲大型 Non FSS

716 Africa Medium FI Afrika Medium FI 非洲中型金融中介

717 Africa Medium FSS Afrika Medium FSS 非洲中型财政自给

718 Africa Medium Non FI Afrika Medium Non FI 非洲中型非金融中介

719 Africa Medium Non FSS Afrika Medium Non FSS 非洲中型 Non FSS

720 Africa Small Broad Afrika Small Broad 非洲小型广泛

721 Africa Small FI Afrika Small FI 非洲小型金融中介

722 Africa Small FSS Afrika Small FSS 非洲小型财政自给

723 Africa Small Low Afrika Small Low 非洲小型 Low

724 Africa Small Non FI Afrika Small Non FI 非洲小型非金融中介

725 Africa Small Non FSS Afrika Small Non FSS 非洲小型 Non FSS


727 Asia Asia 亚洲

728 Asia Large FI Asia Large FI 亚洲大型金融中介

729 Asia Large FSS Asia Large FI 亚洲大型金融中介

730 Asia Large Non FI Asia Large FI 亚洲大型金融中介

731 Asia Large Non FSS Asia Large FI 亚洲大型金融中介

732 Asia Medium FI Asia Medium FI 亚洲中型金融中介

733 Asia Medium FSS Asia Medium FSS 亚洲中型财政自给

734 Asia Medium Non FI Asia Medium Non FI 亚洲中型非金融中介

735 Asia Medium Non FSS Asia Medium Non FSS 亚洲中型 Non FSS

736 Asia Small Asia Small 亚洲小型

737 Asia Small FI Asia Small FI 亚洲小型金融中介

738 Asia Small FSS Asia Small FSS 亚洲小型财政自给

739 Asia Small Non FI Asia Small Non FI 亚洲小型非金融中介

740 Asia Small Non FSS Asia Small Non FSS 亚洲小型 Non FSS

741 Bank Bank Bank

742 Broad Broad 广泛

743 Credit Union Credit Union 信用社

744 ECA ECA 东欧和中亚地区

745 ECA High ECA High End 东欧和中亚地区高端

746 ECA Large Broad ECA Large 东欧和中亚地区大型

747 ECA Large FI ECA Large FI 东欧和中亚地区大型金融中介

748 ECA Large FSS ECA Large FSS 东欧和中亚地区大型财政自给

749 ECA Large Non FI ECA Large Non FI 东欧和中亚地区大型非金融中介

750 ECA Large Non FSS ECA Large Non FSS 东欧和中亚地区大型 Non FSS

751 ECA Medium Broad ECA Medium Broad 东欧和中亚地区中型广泛

752 ECA Medium FSS ECA Medium FSS 东欧和中亚地区中型财政自给

753 ECA Medium High SME ECA Medium High 东欧和中亚地区中型 High

754 ECA Medium Low Broad ECA Medium Low 东欧和中亚地区中型 Low

755 ECA Medium Non FSS ECA Medium Non FSS 东欧和中亚地区中型 Non FSS

756 ECA Small Broad ECA Small Broad 东欧和中亚地区小型广泛

757 ECA Small Broad High ECA Small Broad 东欧和中亚地区小型广泛

758 ECA Small FSS ECA Small FSS 东欧和中亚地区小型财政自给

759 ECA Small Low ECA Small Low 东欧和中亚地区小型 Low

760 ECA Small Non FSS ECA Small Non FSS 东欧和中亚地区小型 Non FSS

761 For Profit Con Fines de Lucro Con Fines de Lucro

762 FSS FSS 财政自给

763 High End High End 高端

764 High FI High FI 高金融中介

765 Individual Individual 个人

766 Individual/ Solidarity Individual/ Solidarity 个人或者小组

767 LAC LAC 拉丁美洲和加勒比地区

768 LAC Large FI LAC Large FI 拉丁美洲和加勒比地区大型金融中介

769 LAC Large FSS LAC Large FSS 拉丁美洲和加勒比地区大型财政自给

770 LAC Large Non FI LAC Large Non FI 拉丁美洲和加勒比地区大型非金融中介

771 LAC Large Non FSS LAC Large Non FSS 拉丁美洲和加勒比地区大型 Non FSS

772 LAC Medium Broad LAC Medium Broad 拉丁美洲和加勒比地区中型广泛

773 LAC Medium FI LAC Medium FI 拉丁美洲和加勒比地区中型金融中介

774 LAC Medium FSS LAC Medium FSS 拉丁美洲和加勒比地区中型财政自给

775 LAC Medium Low LAC Medium Low 拉丁美洲和加勒比地区中型 Low

776 LAC Medium Non FI LAC Medium Non FI 拉丁美洲和加勒比地区中型非金融中介

777 LAC Medium Non FSS LAC Small Non FSS 拉丁美洲和加勒比地区小型 Non FSS

778 LAC Small Broad LAC Small Broad 拉丁美洲和加勒比地区小型广泛

779 LAC Small FSS LAC Small FSS 拉丁美洲和加勒比地区小型财政自给

780 LAC Small Low LAC Small Low 拉丁美洲和加勒比地区小型 Low

781 LAC Small Non FSS LAC Small Non FSS 拉丁美洲和加勒比地区小型 Non FSS

782 Large (Outreach) Large (Outreach) 大型（覆盖率）

783 Large (Scale) Large (Scale) 大型（规模）

784 Low End Low End 低端

785 Low FI Low FI 低金融中介

786 Mature Mature 成熟

787 Medium (Outreach) Medium (Outreach) 中型（覆盖率）

788 Medium (Scale) Medium (Scale) 中型（规模）

789 MENA MENA 中东和北非地区

790 MENA Large MENA Large 中东和北非地区大型

791 MENA Medium MENA Medium 中东和北非地区中型

792 MENA Small MENA Small 中东和北非地区小型

793 NBFI NBFI 非银行金融中介

794 New Baru 新建立

795 NGO NGO 非政府机构

796 Non FI Non FI 非金融中介

797 Non-FSS Non-FSS 非财政自给

798 Not for Profit Not for Profit 非盈利

799 Rural Bank Rural Bank 农村银行

800 Small Business Small Business 小型企业

801 Small (Outreach) Small (Outreach) 小型（覆盖率）

802 Small (Scale) Small (Scale) 小型（规模）

803 Solidarity Solidarity 小组

804 Village Banking Village Banking 村银行

805 Young Young 年轻

806

807

808

809 Benchmarks Benchmarks Benchmarks

810 User’s Manual User’s Manual User’s 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 institution’s 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 institution’s 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 institution’s 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 institution’s 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 institution’s 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 institution’s 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 institution’s 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 institution’s 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 institution’s assets and equity. Sustainability measures the extent to which these returns cover total expenses.

822 Revenues HASIL 收入

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 费用

825 An MFI’s 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 MFI’s 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 MFI’s 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 效率

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 生产力

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 风险和流动性

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 MFI’s most important asset, such risk directly impacts its revenues and generates additional costs due to loss. Portfolio quality will determine the institution’s 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 MFI’s most important asset, such risk directly impacts its revenues and generates additional costs due to loss. Portfolio quality will determine the institution’s 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 MFI’s most important asset, such risk directly impacts its revenues and generates additional costs due to loss. Portfolio quality will determine the institution’s 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 成立年限

834 Charter Type: Charter Type: 机构类型

835 Financial Intermediation Financial Intermediation 金融中介

836 Methodology: Methodology: 贷款模式

837 Outreach Outreach 覆盖率

838 Profit Status Profit Status 盈利状况

839 Region: Region: 地区

840 Scale Scale 规模

841 Sustainability: Sustainability: 可持续发展

842 Target Market: Target Market: 目标市场

843 For definitions of Peer Groups, refer to the Peer Group Classification section of this fileFor definitions of Peer Groups, refer to the Peer Group Classification section of this fileFor 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 fileFor details on indicator definitions, refer to the Indicator Definitions section of this fileFor 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 Started851 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

855 First topic

856 first bullet

857 second bullet

858 third bullet

859

860 Second topic

861 first bullet

862 second bullet

863 third bullet

864

865 Third topic

866 first bullet

867 second bullet

868 third bullet

869

870 Fourth topic

871 first bullet

872 second bullet

873

874

875

876

877

878

879

880

881

882

883

884

885

886

887

888

889

890

891

892

893

894

895

896

897

898

899

900

901

6 5

English Español Français

Table of Contents Índice Table des matières

Comparative Analysis Análisis Comparativo Analyse comparative

Adjusted and Reclassified Financial Statements Estados Financieros Reclasificados y Ajustados Etats financiers reclassifiés et ajustés

Summary of Adjustments Resumen de Ajustes Résumé des ajustements

Indicator Definitions Definiciones de Indicadores Définitions des indicateurs

Notes to Adjustments and Peer Groups Notas para los Ajustes y Calidad de Datos Notes aux ajustements et qualité des données

Financial Term Definitions Definiciones de Términos Financieros Définitions des termes financiers

Peer Group Classifications Clasificaciones de Grupos Pares Classification des groupes de pairs

Benchmark Data Datos de Comparación (Benchmarks) Données de benchmark

About MIX Acerca del MIX A propos du MIX

Page 2 Página 2 Page 2








Back Cover Contraportada Au dos

Using Customized Performance Reports Uso de Informe de Desempeño Personalizado Utiliser le Rapport de Performance Personnalisé

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 operationalEl MIX ha preparado este Informe de Desempeño Personalizado basado en la información proporcionada por su institución y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistirá a comprender el desempeño de sus instituciones, normalizado con acuerdo a los términos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparación de desempeño y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un análisis de comparación significativa. Las reclasificaciones de cuentas, ajustes analíticos y la normalización de razones que MIX emplea aumenta la comparación 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 considerarán este reporte y el benchmarking útil para: > La ubicación del dEl MIX ha preparado este Informe de Desempeño Personalizado basado en la información proporcionada por su institución y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistirá a comprender el desempeño de sus instituciones, normalizado con acuerdo a los términos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparación de desempeño y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un análisis de comparación significativa. Las reclasificaciones de cuentas, ajustes analíticos y la normalización de razones que MIX emplea aumenta la comparación 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 considerarán este reporte y el benchmarking útil para: > La ubicación 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 ownEste informe le guiará a través de un análisis comparativo de su institución. Cada sección subsiguiente revela más datos esenciales y procesos involucrados en el análisis. Continué leyendo para aprender más. El análisis comparativo, por ejemplo, destaca el desempeño de su institución, sintetizado a través de un análisis por escrito con gráficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analítico de desempeño, y el resumen de ajustes que explican el impacto analítico por ajustes de provisión para incobrables, subvención e inflación que afectan la posición de su IMF. Las notas de los indicadores, términos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este análisis. Por último, para los usuarios más avanzados, el MIX proporciona indicadores de desempeño comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite persoEste informe le guiará a través de un análisis comparativo de su institución. Cada sección subsiguiente revela más datos esenciales y procesos involucrados en el análisis. Continué leyendo para aprender más. El análisis comparativo, por ejemplo, destaca el desempeño de su institución, sintetizado a través de un análisis por escrito con gráficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analítico de desempeño, y el resumen de ajustes que explican el impacto analítico por ajustes de provisión para incobrables, subvención e inflación que afectan la posición de su IMF. Las notas de los indicadores, términos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este análisis. Por último, para los usuarios más avanzados, el MIX proporciona indicadores de desempeño comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite perso



Year: Año: Année:

Data Quality Grade: Grado de Calidad de Datos: Indice de qualité de données:

Currency: Moneda: Devise:

US Dollar US Dólar Dollars US

Unadjusted* Cartera Bruta de Préstamos no Ajustada Encours brut de prêts, non-ajusté

Adjusted Ajustado Ajusté

INSTITUTIONAL CHARACTERISTICS CARACTERÍSTICAS INSTITUCIONALES CARACTÉRISTIQUES INSTITUTIONELLES

Number of MFIs Número de IMFs Nombre d'IMF

Age Edad Age

Total Assets Total del activo Total de l'actif

Offices Número de Oficinas Bureaux

Personnel Número de Personal Effectifs du personnel

FINANCING STRUCTURE ESTRUCTURA DE FINANCIAMIENTO STRUCTURE DE FINANCEMENT

Capital/ Asset Ratio Patrimonio / Activos Capital/ Actif

Commercial Funding Liabilities Ratio Razón de Obligaciones Comerciales Financement au taux du marché

Debt to Equity Razón Deuda/ Capital Ratio Dettes/ Fonds Propres

Deposits to Loans Depósitos/ Cartera Bruta Epargne sur encours de prêts

Deposits to Total Assets Depósitos/ Activo Total Epargne sur actif total

Portfolio to Assets Cartera Bruta/ Total del Activo Encours de prêts sur actif total

OUTREACH INDICATORS INDICADORES DE ESCALA INDICATEURS DE PORTÉE

Number of Active Borrowers Número de prestatarios actuales Nombre d'emprunteurs actifs

Percent of Women Borrowers Porcentaje de Prestatarias (Mujeres) Pourcentage d'emprunteurs femmes

Number of Loans Outstanding Número de préstamos vigentes Nombre de crédits en cours

Gross Loan Portfolio Cartera bruta de préstamos Encours brut de prêts

Average Loan Balance per Borrower Saldo Promedio de Créditos por Prestatario Solde moyen de crédit par emprunteur

Average Loan Balance per Borrower/ GNI per Capita Saldo Promedio de Créditos por Prestatario/ PNB per CápitaSolde moyen de prêt par emprunteur/ PNB par habitant

Average Outstanding Balance Saldo Promedio de Créditos Vigentes Solde de prêt moyen

Average Outstanding Balance/ GNI per Capita Saldo Promedio de Créditos/ INB per Cápita Solde de crédit moyen/ RNB par habitant

Number of Depositors Número de Depositantes Nombre d'épargnants

Number of Deposit Accounts Número de Cuentas de Depósito Nombre de comptes d'épagne

Deposits Ahorros Épargne

Average Deposit Balance per Depositor Saldo Promedio por Depositante Montant moyen d'épargne par épargnant

Average Deposit Balance per Depositor/ GNI per capita Saldo Promedio por Depositante/ INB per Cápita Montant moyen de dépôt par déposant/ RNB par habitant

Average Deposit Account Balance Saldo Promedio por Cuenta de Depósitos Montant d'épargne moyen

Average Deposit Account Balance/ GNI per capita Saldo Promedio por Cuenta de Depósitos/ INB per CápitaMontant de dépôt moyen/ RNB par habitant

MACROECONOMIC INDICATORS INDICADORES MACROECONÓMICOS INDICATEURS MACRO-ÉCONOMIQUES

GNI per Capita PNB per Cápita PNB par habitant

GDP Growth Rate Tasa de Crecimiento del PIB Taux de croissance du PIB

Deposit Rate Tasa de Depósito Taux d'intérêt sur comptes de dépôts

Inflation Rate Tasa de Inflación Taux d'inflation

Financial Depth Penetración Financiera Pénétration des circuits financiers

OVERALL FINANCIAL PERFORMANCE DESEMPEÑO FINANCIERO GENERAL PERFORMANCE FINANCIÈRE 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 opérationnelle

Financial Self-Sufficiency Autosuficiencia Financiera Auto-suffisance financière

*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 información no ajustada de los préstamos y prestatarios excluye el efecto de castigos normalizados.*Les données non-ajustées sont tirées des états financiers non-ajustés. L'information non-ajustée des prêts et des emprunteurs ne prend pas en compte l'effet de radiation des prêts.

**MFI data are for the financial year ended **Datos de la IMF al cierre del año Financiero, el **Données pour l'exercice clos le



REVENUES INGRESOS PRODUITS D'EXPLOITATION

Financial Revenue/ Assets Razón de Ingreso Financiero Ratio des produits financiers sur actif

Profit Margin Margen de Ganancia Marge bénéficiaire

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 réel du portefeuille brut

EXPENSES GASTOS CHARGES D'EXPLOITATION

Total Expense/ Assets Gasto Total/ Activo Total Ratio de ch. totales à l'actif

Financial Expense/ Assets Gasto Financiero/ Activo Total Ratio de ch. financières à l'actif

Provision for Loan Impairment/ Assets Gasto de Provisión para Cartera/ Activo Total Ratio de dotations aux provisions pour prêts irrécouvrables

Operating Expense/ Assets Gasto Operacional/ Activo Total Ratio de ch. d'exploitation à l'actif

Personnel Expense/ Assets Razón de Gasto de Personal Ratio de ch. de personnel

Administrative Expense/ Assets Razón de Gasto Administrativo Ratio de ch. administratives

Adjustment Expense/ Assets Razón 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 Cápita Salaire moyen/ PNB par habitant

Cost per Borrower Gasto por Prestatario Coût par emprunteur

Cost per Loan Gasto por Préstamo Coût par prêt

PRODUCTIVITY Productividad PRODUCTIVITÉ

Borrowers per Staff Member Prestatarios por Personal Emprunteurs par effectif du personnel

Loans per Staff Member Préstamos por Personal Prêts par effectif du personnel

Borrowers per Loan Officer Prestatarios por Oficial de Crédito Emprunteurs par agent de crédit

Loans per Loan Officer Préstamos por Oficial de Crédito Prêts par agent de crédit

Depositors per Staff Member Depositantes por Personal Epargnants par effectif du personnel

Deposit Accounts per Staff Member Cuentas de Depósito por Personal Comptes d'épargne par effectif du personnel

Personnel Allocation Ratio Razón de Distribución de Personal Distribution du personnel

RISK AND LIQUIDITY RIESGO Y LIQUIDEZ RISQUES ET LIQUIDITÉ

Portfolio at Risk > 30 Days Cartera en Riesgo > 30 Días Portefeuille à risque > 30 jours

Portfolio at Risk > 90 Days Cartera en Riesgo > 90 Días Portefeuille à risque > 90 jours

Write-off Ratio Razón de Préstamos Castigados Taux de radiation de prêts

Loan Loss Rate Tasa de Préstamos Incobrables Taux de pertes sur prêts

Risk Coverage Ratio Razón de Cobertura de Riesgo Taux de couverture du risque

Non-earning Liquid Assets as a % of Total Assets Activos Líquidos No Prod./ Activo Total Actifs non productifs en pourcentage de l'actif total

Current Ratio Razón Corriente Ratio de liquidité générale

Adjusted and Reclassified Financial Statements Estados Financieros Reclasificados y Ajustados Etats financiers reclassifiés et ajustés

BALANCE SHEET Balance General Bilan

Unadjusted Accounts Cuentas no Ajustadas Comptesnon-ajustés

Adjusted Accounts Cuentas Ajustadas Comptes ajustés

Cash and Due from Banks Caja y Banco Disponibilités

Reserves from Central Bank Reservas en el Banco Central Réserves à la Banque Centrale

Trade Investments Act. Financieros a Cto. Plazo Investissements à court terme

Net Loan Portfolio Cartera Neta Encours net de prêts


(Impairment Loss Allowance) (Res. para Prést. Incobrables) (Provision pour prêts irrécouvrables)

Interest Receivable Intereses por Cobrar Intérêts courus non échus

Accounts Receivable and Other Assets Cuentas por Cobrar y Otros Activos Autres comptes à 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 Depósitos a la vista Dépôts à vue

Voluntary Deposits Ahorros Voluntarios Épargne volontaire

Compulsory Deposits Ahorros Obligatorios Épargne forcée

Time Deposits Depósitos a plazo Dépôts à terme

Borrowings Obligaciones Total des emprunts

Borrowings at concessional interest rates Obligaciones a tasas concesionales Emprunts à des taux subventionnés

Borrowings at commercial interest rates Obligaciones a tasas comerciales Emprunts à des taux de marché

Interest Payable Intereses por Pagar Intérêts à payer

Accounts Payable and Other Liabilities Cuentas por Pagar y Otras Obligaciones Comptes créditeurs 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 Años Anteriores Report à nouveau, années précédentes

Current Year Año en Curso Exercice en cours

Retained Earnings Ganancias (Pérdidas) Acumuladas Report à nouveau

Prior Years Años Anteriores Report à nouveau, années précédentes

Current Year Año en Curso Exercice en cours

Adjustments to Equity Ajustes al Patrimonio Retraitements des fonds propres

Inflation Adjustment AJUSTE POR INFLACIÓN 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 Réserves

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 Coéfficient de change

Units Unidades Unités

INCOME STATEMENT Estado de Resultados Compte de Résultats

Financial Revenue Ingreso Financiero Intérêts reçus et produits assimilés

Financial Revenue from Loan Portfolio Ingreso Financiero por la Cartera de Préstamos Revenus du portefeuille

Interest on Loan Portfolio Interés por la Cartera de Préstamos Intérêts reçus sur prêts

Fees and Commissions on Loan Portfolio Ingreso por Comisiones sobre la Cartera de Préstamos Frais et commissions sur prêts (incluant pénalités reçues sur prêts)

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 liés aux services financiers

Financial Expense Gasto Financiero Total des charges financières

Financial Expense on Funding Liabilities Gastos Financieros del Pasivo Intérêts versés et charges assimilées

Interest and Fee Expense on Deposits Interéses y Gastos por Depósitos Intérêts versés et charges sur épargne

Interest and Fee Expense on Borrowings Interés y Comisiones Pagados por Obligaciones Intérêts versés et frais sur emprunts

Net Adjustment for Inflation Gasto Neto Ajuste por la Inflación Charges nettes sur l'ajust. pour l'inflation

Inflation Adjustment to Equity Gasto, Ajuste por Inflación Charges sur l'ajustement pour l'inflation

Inflation Adjustment to Fixed Assets Ingreso, Ajuste por la Inflación 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 coûts de fin. subventionnés

Other Financial Expense Otros Gastos Financieros Autres ch. fin. liées aux services financiers

Net Financial Income Resultado Financiero Neto Résultat financier

Impairment Losses on Loans Provisión para Incobrables, Neta Dot. nette aux prov. pour prêts irrécouvrables

Provision for Loan Impairment Gasto de la Provisión para Incobrables Dot. aux prov. pour prêts irrécouvrables

Value of Loans Recovered Recup. de Prést. Castigados Recouvrement de prêts radiés

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 Públicos Loyer et charges

Transportation Transporte Transport

Office Supplies Suministros de la Oficina Matériels et fournitures de bureau

Depreciation and Amortization Depreciación Dépréciation et amortissement

Other Administrative Expense Otros Gastos Administrativos Autres charges administratives

Net Operating Income RESULTADO DE OPERACIÓN NETO Résultat opérationnel

Net Non-Operating Income RESULTADO NO OPERACIONAL NETO Résultat non opérationnel

Non-Operating Revenue Ingresos No Operacionales Produits non opérationnels

Non-Operating Expense Gastos No Operacionales Charges non opérationnelles

Net Income (Before Taxes and Donations) Resultado Neto (Antes de Donaciones y Impuestos) Résultat net (avant impôt et subventions)

Taxes Impuestos Impôt sur les bénéfices

Net Income (After Taxes and Before Donations) Res. Neto (Antes Donaciones y Después de Impuestos) Résultat net (aprés impôt et avant subventions)

Donations Donaciones para Subsidiar Servicios Financieros Subventions

Net Income (After Taxes and Donations) Resultados Neto (Después de Donaciones y Impuestos)Résultat net (aprés impôt et subventions)

Summary of Adjustments Resumen de Ajustes Résumé des ajustements

INFLATION ADJUSTMENT AJUSTE POR INFLACIÓN AJUSTEMENT POUR L'INFLATION

Equity, beginning of period Patrimonio del Año Anterior Fonds propres, exercice précédent


Inflation Adjustment to Equity Gasto, Ajuste por Inflación Charges sur l'ajustement pour l'inflation

Net Fixed Assets, beginning of period Activo Fijo del Año Anterior Immobilisations, exercice précédent


Inflation Adjustment to Fixed Assets Ingreso, Ajuste por la Inflación Produits sur l'ajustement pour l'inflation

Net Adjustment for Inflation Gasto Neto Ajuste por la Inflación Charges nettes sur l'ajust. pour l'inflation

COST OF FUNDS ADJUSTMENT Ajuste al Coste de Fondos Valeur de l'ajust. pour coûts de fin. subv

Borrowings, beginning of period Balance de Obligaciones del Año Anterior Total des emprunts, exercice précédent

Borrowings, end of period Balance de Obligaciones del Año Actual Total des emprunts, exercice en cours

Borrowings, period average Balance Promedio de Obligaciones por el Año Moyenne des emprunts, exercice en cours

Local market rate Tasa de Interés Comercial Local Taux d'intérêt commercial local

Cost of funds at market rate Coste de Fondos a Tasas Comerciales Coûts des financements au taux commercial

Interest and Fee Expense on Borrowings Interés y Comisiones Pagados por Obligaciones Intérêts versés et frais sur emprunts

Adjustment for Subsidized Cost of Funds Gastos del Ajuste por Subsidios Costo de Fondos Ch. d'ajustement pour coûts de fin. subventionnés

WRITE-OFF ADJUSTMENT AJUSTE POR PRÉSTAMOS CASTIGADOS AJUST. POUR LA RADIATION DES PRÊTS

Unadjusted Gross Loan Portfolio Cartera Bruta de Préstamos no Ajustada Encours brut de prêts, non-ajusté

PAR > 365 days Créditos en Riesgo > 365 días Portefeuille à risque à plus de 365 jours

Adjusted Gross Loan Portfolio Cartera de Préstamos Ajustada Encours brut de prêts, ajusté

Number of Loans Outstanding Número de préstamos vigentes Nombre de crédits en cours

No. of loans > 365 days N° de Préstamos > 365 días Nombre de prêts > 365 jours

Adjusted Number of Loans Outstanding N° de Préstamos Vigentes Ajustado Nombre de prêts en cours, ajusté

LOAN LOSS PROVISION ADJUSTMENT AJUSTE PROV. CRÉDITOS INCOBRABLES AJUST. POUR PROV. POUR PRÊTS IRRÉCOUV.

Renegotiated portfolio Préstamos Vigentes Refinanciados Ensemble des prêts renégociés

Provision factor, renegotiated loans Factor de Provisión, Préstamos Refinanciados Coefficient pour provision, prêts renégociés

Reserve amount, renegotiated loans Reserva para Préstamos Refinanciados Provision pour prêts renégociés

Portfolio at Risk 91-180 days Préstamos en Riesgo 90-180 días Portefeuille à risque de 91 à 180 jours

Provision factor, PAR 91-180 days Factor de Provisión, Atrasados 90-180 días Coefficient pour provision PAR 91-180 jours

Reserve amount, PAR 91-180 days Reserva para Préstamos, Atrasados 90-180 días Provision pour PAR 91-180 jours

Portfolio at Risk 180-365 days Préstamos Atrasados 180-360 días Portefeuille à risque de 181 à 365 jours

Provision factor, PAR 180-365 days Factor de Provisión, Atrasados 180-360 días Coefficient pour provision, PAR 180-365 jours

Reserve amount, PAR 180-365 days Reserva para Préstamos, Atrasados 180-360 días Provision pour PAR 180-365 jours

Minimal Adjusted Loan Loss Reserve Reserva mínima para Préstamos Incobrables, Ajustada Valeur minimale ajustée des provisions pour prêts irrécouvrables

Unadjusted Gross Loan Portfolio Cartera Bruta de Préstamos no Ajustada Encours brut de prêts, non-ajusté

Unadjusted Impairment Loss Allowance Reserva para Préstamos Incobrables, no Ajustada Provisions pour prêts irrécouvrables, non-ajustées

Unadjusted Net Loan Portfolio Cartera Neta, no Ajustada Encours net de prêts, non-ajusté

Adjusted Gross Loan Portfolio Cartera de Préstamos Ajustada Encours brut de prêts, ajusté

Adjusted Impairment Loss Allowance Reserva para Préstamos Incobrables, Ajustada Provisions pour prêts irrécouvrables, ajustées

Adjusted Net Loan Portfolio Cartera Neta, Ajustada Encours net de prêts, ajusté

Difference, Adj. and Unadj. Net Loan Portfolio Diferencia, Cartera Bruta Ajustada y no Ajustada Différence, Encours net de prêts ajusté et non-ajusté

Unadjusted Provision for Loan Impairment Provisión para Incobrables, Neta no Ajustada Dot. aux prov. pour prêts irrécouv., non-ajustée

Adjusted Provision for Loan Impairment Provisión para Incobrables, Ajustada Dot. aux prov. pour prêts irrécouv., ajustée

IN KIND SUBSIDY ADJUSTMENT AJUSTE POR SUBSIDIOS EN ESPECIE AJUSTEMENT POUR SUBV. EN NATURE

Category of donation Categoría de Donación Catégorie de subventions

Personnel Número de Personal Effectifs du personnel

Rent and utilities Arriendo y Servicios Públicos Loyer et charges

Transportation Transporte Transport

Office supplies Suministros de la Oficina Matériels et fournitures de bureau

Other Otros Autres

Total Total Total

Applied: Aplicado: Appliqué:

Stated value Valor Indicado Valeur indiquée

IMF, International Financial Statistics, line 64x. FMI, Estadísticas Financieras Internacionales, línea 64x.FMI, Statistiques Financières 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 résultat net

IMF, International Financial Statistics, line 64x. FMI, Estadísticas Financieras Internacionales, línea 64x.FMI, Statistiques Financières 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 Operación. (Nota: Si los activos Fijos son mayores que Patrimonio, el Gasto Financiero disminuirá y el Resultado Neto aumentará).Effet: Augmente les ch. financières, diminuant le résultat opérationnel et le résultat net (NB: si les immobilisations sont supérieures aux fonds propres, les ch. financières diminuent, augmentant le résultat opérationnel et le résultat net).

IMF, International Financial Statistics, line 60L. FMI, Estadísticas Financieras Internacionales, línea 60L.FMI, Statistiques Financières 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. financières, diminuant le résultat opérationnel et le résultat 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 Provisión para incobrables si la Reserva para Prestamos Incobrables no es suficiente para cubrir el ajuste de la provisión y el castigo.Effet: Diminue l'encours net de prêts et augmente la dot. aux prov. pour prêts irrécouvrables si la prov. pour prêts irrécouvrables est insuffisante pour couvrir les ajustements pour provision et pour radiation des prêts.

Effect: Decreases Net Operating Income, Net Income. Efecto: Disminuye el Resultado de Operación Neto, Resultado Neto.Effet: Diminue le résultat opérationnel et le résultat 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 Operación.Effet: Augmente les ch. d'exploitations, diminue le résultat opérationnel et le résultat net.

Indicator Definitions Definiciones de Indicadores Définitions des indicateurs

Sample Size of Group Tamaño de la muestra Effectifs du groupe

Years Functioning as an MFI Años de existencia Années d'existence

Total Assets, adjusted for Inflation and standardized provisioning for loan impairment and write-offsTotal del activo, ajustado por inflación y por provisión para incobrables y castigos estandardizadosActif Total, ajusté pour l'inflation, le provisionnement pour prêts irrécouvrables et la radiation de prêts

Number, including head office Nº (incluso las oficinas centrales) Nombre (incluant le siège)

Total number of staff members Nº total de empleados Nombre total d'employés

Adjusted Total Equity/ Adjusted Total Assets Patrimonio Total Ajustado/ Activo Total Ajustado Total fonds propres ajustés/ Total actif ajusté

(Voluntary and Time Deposits + Borrowings at Commercial Interest Rates) / Adjusted Average Gross Loan PortfolioTotal de los pasivos al "Precio del Mercado"/ Cartera bruta de préstamosTotal dettes au «Taux du marché »/ Encours brut de prêts

Adjusted Total Liabilities/ Adjusted Total Equity Pasivo Total Ajustado/ Patrimonio Total Ajustado Total dettes, ajusté/ Total fonds propres, ajusté

Deposits/ Adjusted Gross Loan Portfolio Total de depósitos/ Cartera bruta de préstamos ajustadaÉpargne/ Encours brut de prêts, ajusté

Deposits/ Adjusted Total Assets Total de depósitos/ Total del activo ajustado Épargne/ Total actif, ajusté

Adjusted Gross Loan Portfolio/ Adjusted Total Assets Cartera Bruta de Préstamos Ajustada/ Activo Total AjustadoEncours brut de prêts, ajusté/ Total de l'actif, ajusté

Number of borrowers with loans outstanding, adjusted for standardized write-offsNúmero de Prestatarios con Préstamos Vigentes, Ajustado por Castigos EstandardizadosNombre d'emprunteurs avec un prêt en cours, ajusté pour la radiation normalisée de prêts

Number of active women borrowers/ Adjusted Number of Active BorrowersNúmero de Prestatarias (mujeres) Activas/ Número de Prestatarios Activos AjustadoNombre d'emprunteurs actifs femmes/ Nombre d'emprunteurs actifs, ajusté

Number of loans outstanding, adjusted for standardized write-offsNúmero de Préstamos Vigentes, Ajustado por Castigos EstandardizadosNombre de prêts en cours, ajusté pour la radiation normalisée de prêts

Gross Loan Portfolio, adjusted for standardized write-offsCartera Bruta de Préstamos, Ajustada por Castigos EstandardizadosEncours brut de prêts, ajusté pour la radiation normalisée de prêts

Adjusted Gross Loan Portfolio/ Adjusted Number of Active BorrowersCartera Bruta de Préstamos Ajustada/ Número de Prestatarios Activos AjustadoEncours brut de prêts, ajusté/ Nombre d'emprunteurs actifs, ajusté

Adjusted Average Loan Balance per Borrower/ GNI per CapitaSaldo promedio de los créditos por prestatario, ajustado/ PNB per cápitaSolde moyen de prêt par emprunteur, ajusté/ PNB par habitant

Adjusted Gross Loan Portfolio/ Adjusted Number of Loans OutstandingCartera Bruta de Préstamos Ajustada/ Número de Préstamos VigentesEncours brut de prêts, ajusté/ Nombre de prêts en cours, ajusté

Adjusted Average Outstanding Balance/ GNI per Capita Saldo Promedio de Préstamos Vigentes Ajustado/ INB per cápitaSolde de prêt moyen, ajusté/ PNB par habitant

Number of depositors with any type of deposit account Número total de Depositantes (considerando todos los tipos de cuentas de depósito)Nombre total d'épargnants

Number of all deposit accounts Número total de Cuentas de Depósito Nombre total de comptes d'épargne

Total value of all deposit accounts Saldo total de las Cuentas de Depósito Montant total des comptes d'épargne

Deposits/ Number of Depositors Depósitos/ Número de Depositantes Total de l'épargne/ Nombre d'épargnants total

Average Deposit Balance per Depositor/ GNI per capita Saldo Promedio por Depositante/ INB per Cápita Montant moyen de dépôt par déposant/ RNB par habitant

Depositors/ Number of Deposit Accounts Depósitos / Número de Cuentas de Depósito Total de l'épargne/ Nombre total de comptes d'épargne

Average Deposit Account Balance/ GNI per capita Saldo Promedio por Cuenta de Depósitos/ INB per CápitaMontant de dépôt 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 país, no importando su localización/ Población Total (Indicatodores de Desarrollo Mundial)Revenu total généré 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 Producción total de bienes y servicios en el territorio de un país dado (Indicatodores de Desarrollo Mundial)Croissance annuelle du total des produits et services sur l'ensemble du territoire d'un pays donné (World Development Indicators)

Interest rate offered to resident customers for demand, time, or savings deposits (IMF/International Financial Statistics)Tasa de Interés ofrecida a los residentes para depósitos a la vista, ahorro o plazo (FMI / Estadísticas Financieras Internacionales)Taux d'intérêt proposé aux clients nationaux pour les dépôts à vue ou à terme (FMI/International Financial Statistics)

Annual change in average consumer prices (IMF/International Financial Statistics)Variación Anual en el Índice de Precios al Consumir promedio (FMI / Estadísticas Financieras Internacionales)Changement dans le cours des prix à 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, Depósitos y Dinero electrónico (M3) / PIB medido por la monetización de la economía (FMI / Estadísticas Financieras Internacionales)Masse monétaire comprenant les devises, les dépôts, et les devises électroniques (M3) / PIB, et qui mesure la monétisation de l'économie (FMI/International Financial Statistics)

(Adjusted Net Operating Income - Taxes)/ Adjusted Average Total AssetsResultado de operación ajustado, desp. de impuestos/ Promedio del total del activo ajustadoRésultat opérationnel ajusté, après impôts/ Montant moyen de l'actif

(Adjusted Net Operating Income - Taxes)/ Adjusted Average Total EquityResultado de operación ajustado, desp. de impuestos/ Promedio del total del patrimonio ajustadoRésultat opérationnel ajusté, après impôts/ Montant moyen des fonds propres

Financial Revenue/ (Financial Expense + Impairment Losses on Loans + Operating Expense)Ingresos financieros/ (Gastos financieros + Gasto de Provisión para Cartera de Préstamos, neta + Gastos operacionales)Produits financiers/ (Ch. financières + Dot. nettes aux Prov. pour prêts irrécouv. + Ch. d'exploitation)

Adjusted Financial Revenue/ Adjusted (Financial Expense + Impairment Losses on Loans + Operating Expense)Ingresos financieros Ajustados/ (Gastos financieros + Gasto de Provisión para Cartera de Préstamos + Gastos operacionales) AjustadosProduits financiers, ajustés/ (Ch. financières + Dot. nettes aux Provisions pour prêts irrécouvrables + Ch. d'exploitation) ajustées

Adjusted Financial Revenue/ Adjusted Average Total AssetsIngresos financieros Ajustados/ Activo Total Promedio AjustadoProduits financiers, ajustés/ Actif moyen

Adjusted Net Operating Income/ Adjusted Financial RevenueResultado de operación neto Ajustado/ Ingresos operacionales AjustadosRésultat opérationnel, ajusté/ Produits financiers, ajustés

Adjusted Financial Revenue from Loan Portfolio/ Adjusted Average Gross Loan PortfolioIngresos Financieros por Cartera Bruta de Préstamos/ Cartera Bruta de Préstamos Promedio AjustadaIntérêts, frais et commissions perçus sur le portefeuille de crédits/ Encours de crédits brut moyen, retraité

(Adjusted Yield on Gross Portfolio (nominal) - Inflation Rate)/ (1 + Inflation Rate)(Rendimiento nominal sobre la cartera bruta - Tasa de inflación)/ (1 + Tasa de inflación)(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 Provisión para Cartera de Préstamos, neta + Gastos operacionales) Ajustado/ Activo Total Promedio Ajustado(Ch. financières + Dotations nettes aux Provisions pour prêts irrécouvrables + Ch. d'exploitation) ajustées/ Actif moyen

Adjusted Financial Expense/ Adjusted Average Total AssetsGastos Financieros Ajustados/ Activo Total Promedio AjustadoCh. financières retraitées/ Actif moyen, retraité

Adjusted Impairment Losses on Loans/ Adjusted Average Total AssetsGasto de Provisión para Cartera de Préstamos, neta Ajustada/ Activo Total Promedio AjustadoDot. nettes aux Provisions pour prêts irrécouvrables, ajustées/ Actif moyen

Adjusted Operating Expense/ Adjusted Average Total Assets(Gastos operacionales + Donaciones en Especie)/ Activo Total Promedio AjustadoCharges d'exploitation, ajustées/ Actif moyen

Adjusted Personnel Expense/ Adjusted Average Total AssetsGasto de Personal / Activo Total Promedio Ajustado Ch. de personnel, ajustées/ Actif moyen

Adjusted Administrative Expense/ Adjusted Average Total AssetsGastos Administrativos Ajustados/ Activo Total Promedio AjustadoCh. administratives, ajustées/ 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(Résultat net d'exploitation, non-retraité - Résultat net d'exploitation, retraité)/ Actif moyen, retraité

Adjusted Operating Expense/ Adjusted Average Gross Loan PortfolioGastos Operacionales Ajustados/ Cartera Bruta de Préstamos Promedio AjustadaCharges d'exploitation, ajustées/ Encours brut moyen de prêts

Adjusted Personnel Expense/ Adjusted Average Gross Loan PortfolioGasto de Personal Ajustado/ Cartera Bruta de Préstamos Promedio AjustadaCh. de personnel, ajustées/ Encours brut moyen de prêts

Adjusted Average Personnel Expense/ GNI per capita Gasto de Personal Promedio Ajustado/ INB per cápita Montant moyen des ch. de personnel, ajusté/ PNB par habitant

Adjusted Operating Expense/ Adjusted Average Number of Active BorrowersGastos Operacionales Ajustados/ Prestatarios Activos Promedio AjustadoCharges opérationnelles, ajustées/ Nombre moyen d'emprunteurs actifs, ajusté

Adjusted Operating Expense/ Adjusted Average Number of LoansGastos Operacionales Ajustados/ Préstamos Vigentes Promedio AjustadoCharges opérationnelles, ajustées/ Nombre moyen de prêts en cours, ajusté

Adjusted Number of Active Borrowers/ Number of PersonnelNúmero de Prestatarios Activos Ajustado/ Número de PersonalNombre d'emprunteurs actifs, ajusté/ Effectifs du personnel

Adjusted Number of Loans Outstanding/Number of PersonnelNúmero de Préstamos Vigentes Ajustado/ Número de PersonalNombre de prêts en cours, ajusté/ Effectifs du personnel

Adjusted Number of Active Borrowers/ Number of Loan OfficersNúmero de Prestatarios Activos/ Número de Oficiales de CréditoNombre d'emprunteurs actifs, ajusté/ Nombre d'agents de crédit

Adjusted Number of Loans Outstanding/ Number of Loan OfficersNúmero de Préstamos Vigentes Ajustado/ Número de Oficiales de CréditoNombre de prêts en cours, ajusté/ Nombre d'agents de crédit

Number of Depositors/ Number of Personnel Número de Depositantes / Número de Personal Nombre d'épargnants ./ Effectifs du personnel

Number of Deposit Accounts/ Number of Personnel Número de Cuentas de Depósito/ Número de Personal Nombre de comptes d'épargne / Effectifs du personnel

Number of Loan Officers/ Number of Personnel Número de Oficiales de Crédito/ Número de Personal Nombre d'agents de crédit/ Effectifs du personnel

Outstanding balance, portfolio overdue> 30 Days + renegotiated portfolio/ Adjusted Gross Loan PortfolioSaldo de Préstamos Atrasados > 30 días/ Cartera Bruta de Préstamos AjustadaCapital restant dû pour prêts avec montants échus > 30 jours/ Encours brut de prêts, ajusté

Outstanding balance, portfolio overdue> 90 Days + renegotiated portfolio/ Adjusted Gross Loan PortfolioSaldo de Préstamos Atrasados > 90 días/ Cartera Bruta de Préstamos AjustadaCapital restant dû pour prêts avec montants échus > 90 jours/ Encours brut de prêts, ajusté

Adjusted Value of loans written-off/ Adjusted Average Gross Loan PortfolioValor de Préstamos Castigados Ajustado/ Cartera Bruta Promedio AjustadaValeur des prêts radiés, ajustée/ Encours brut moyen de prêts

(Adjusted Write-offs - Value of Loans Recovered)/ Adjusted Average Gross Loan PortfolioPréstamos castigados ajustados, neto de recuperaciones/ Promedio de la cartera bruta ajustadaValeur des prêts radiés, ajustée et diminuée des reprises de capital/ Encours brut moyen de prêts

Adjusted Impairment Loss Allowance/ PAR > 30 Days Provisión para Cartera de Préstamos/ Cartera en Riesgo > 30 díasProvision pour prêts irrécouvrables, ajustée/ PAR > 30 jours

Adjusted Cash and banks/ Adjusted Total Assets Caja y Banco Ajustado/ Activo Total Ajustado Caisses et disponibilités bancaires/ Total actif, retraité

Short Term Assets/ Short Term Liabilities Activo de Corto Plazo / Pasivo de Corto Plazo Actif à court terme/ Passif à court terme

Notes to Adjustments and Peer Groups Notas para los Ajustes y Calidad de Datos Notes aux ajustements et qualité des données

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 análisis de MIX se basa en una comparación entre Grupos Pares similares, clasificados por criterios como el tamaño, el nivel de la pobreza del grupo objetivo, la región y el nivel de intermediación financiera. Los resultados financieros son ajustados para asegurar la comparación, tomando en cuenta el efecto de la inflación, los subsidios y las diferencias en las provisiones para incobrables. Este reporte ofrece una imagen precisa de sus resultados financieros en comparación a otras instituciones similares.L'analyse du MIX établit des comparaisons entre des groupes d’institutions semblables, définis par des critères tels que la taille des programmes, le niveau de pauvreté de la population concernée et la zone géographique. Les résultats financiers sont ajustés afin que la comparaison prenne en compte les effets de l’inflation, les niveaux de subventions et les différences de provisionnement pour prêts irrécouvrables. Ce rapport offre donc une image exacte de vos résultats financiers ainsi qu'une comparaison avec les résultats de vos pairs.

Peer Group Criteria and Information Quality Criterio de Grupos Pares y Calidad de Información Critères des groupes de pairs et qualité 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 información incluida en el promedio de grupos pares no es comprobada independientemente. Está presentada voluntariamente por instituciones como la suya. Representamos nuestro nivel de apoyo en los datos proporcionados por cada grupo de pares con una clasificación de calidad.L'information utilisée dans les moyennes des groupes de pairs n’a pas été vérifiée de manière indépendante. Elle est fournie volontairement par les institutions. Nous représentons la fiabilité des données fournies par chaque institution par l'indice de qualité des données .

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 Boletín clasifica la información de IMF participantes con acuerdo al nivel verificado independientemente por su fiabilidad. La información con *** ha sido generado a través de un análisis financiero detallado por una entidad independiente, como por ejemplo, una evaluación de CAMEL, una valoración de CGAP, o una calificación por una agencia fiable. La información con ** es apoyada por documentos acompañantes, como los estados financieros auditados, reportes anuales o evaluación de programas independientes que proporcionan un nivel de fiabilidad razonable de nuestros ajustes. La información con * es derivada de IMF que se han limitado en completar nuestro cuestionario. Estas clasificaciones representan niveles de fiabilidad de la información; no están previstas para una clasificación de desempeño financiero de las IMFs. Le Bulletin classifie l'information des institutions participantes selon le degré de vérification indépendante. Ce système d’évaluation attribue la mention *** aux informations obtenues d'un rapport d’un organisme tiers fiable, tel qu'une évaluation CAMEL ou CGAP, ou un rating d'une agence renomée. Les informations contenues dans des états financiers, rapports annuels ou évaluations de programmes ayant fait l’objet d’une vérification par des auditeurs indépendants ont reçu la mention **. Lorsqu’un programme n’a fait que renvoyer notre questionnaire, les informations ont reçu la mention *. Ces notations indiquent le niveau de confiance en la fiabilité des informations; elles ne constituent pas une évaluation de la performance financière 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 redacción, ni la asesoría, ni la comisión de estudios, ni el MIX se responsabilizan por la validez de la información presentada este reporte.Ni la rédaction ni le MIX ne sauraient être tenus responsables de la validité des informations fournies dans le présent 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 descripción breve de los Grupos Pares, sus miembros y el número y la clasificación de cada uno de los participantes. El MicroBanking Bulletin dispone información más detallada.La page 12 offre une brève description des groupes de pairs et du niveau de qualité des informations attribué à 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 institution’s 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 inflación 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 distribución entre utilidad real neta y el efecto de la inflación en el patrimonio. Los resultados financieros de todas las IMFs incluyen este ajuste, excepto aquellas que utilizan métodos de contabilidad ajustados por inflación que son generalmente aceptados. Les coûts de financements du compte de résultat ont été ajustés pour toutes les IMF afin de prendre en compte les effets à long terme de l’inflation sur les fonds propres. Cet ajustement se présente sous forme d’un compte de charges net figurant sur le compte de résultat et diminuant le résultat constaté. Sa contrepartie est un compte de capital révélant la répartition entre les résultats réels et l’augmentation du capital dû à l’inflation. Les résultats financiers de toutes les IMF comprennent cet ajustement, excepté ceux utilisant une méthode de comptabilité tenant compte de l’inflation.

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 director’s salary, free rent, or other operationaLos beneficios de la mayoría 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 más común de los participantes en esta ronda. Un costo adicional es añadido por cualquier pasivo que sea significativamente más bajo que el precio comercial, para poder comparar las instituciones a niveles diversos de subvención como si no fuesen subvencionados. La determinación del precio comercial es una tarea difícil. Sin embargo, por razones de comparación, el objetivo más importante es el de asegurarse que el método escogido es aplicado de una manera uniforme a todas las instituciones. Hemos decidido utilizar el interés de depósito presentado por FMI como el precio de las tasas comerciales. También excluimos donaciones y las rentas se calculan solamente a base de ingresos y gastos operacionales. Por último, gastos como el salario del director, alquiler gratuito, u otros gastos operacionales pagados por otra eLes bénéfices de la plupart des IMF ont également été ajustés pour refléter les bénéfices réels en l’absence de subventions. Les ajustements pour subventions aux coûts de financement sont les plus fréquents pour les IMF participantes. Un coût supplémentaire a été rajouté pour tout endettement pour lequel le taux d’intérêts est nettement inférieur au taux commercial. Ceci permet de comparer des institutions bénéficiant de taux de subventions très variables comme si elles n’étaient pas subventionnées. La détermination du « taux de marché » est délicate. Néanmoins, pour comparer, il est important de s'assurer que la méthode choisie soit appliquée uniformément à toutes les institutions. Nous avons retenu le taux de comptes de dépôts comme coût théorique du marché. Les subventions ont été classées à part et les bénéfices ne sont calculés que sur la base des revenus et frais d’exploitation. Enfin, les charges tels que le salaire du directeur, remises de loyer ou toute autres charges d’exploitation réglées 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 provisión para incobrables y castigos. Suministramos el 50% de deudas pendientes que hayan sobrepasado 90 días pero menos de 180 días, y el 100% por las deudas pendientes de más de 180 días. Deudas pendientes de más de 365 días son castigados por completo.Pour finir, nous standardisons le provisionnement et la radiation pour prêts irrécouvrables. Les dotations aux provisions atteignent 50 % du montant des créances échues de plus de 90 jours et moins de 180 jours ou renégociées, et 100 % du montant échu de plus de 180 jours. Les créances échues de plus de 360 jours sont radiées.


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 depositsTodas las cuentas corrientes, cuentas de caja chica y efectivo incluso depósitos no renumeradas.Trésorerie et comptes en banque non rémunérés

Cash reserves in a central bank Reservas de efectivo en el Banco Central. Réserve légale à 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 gestión de liquidez.Bons de trésors ou tout autre placement à court terme, y compris dépôts rémunérés, exigibles à un an ou moins.

Gross Loan Portfolio minus Loan Loss Reserve La cartera neta menos la reserva para préstamos incobrables.Encours de prêts moins prov. pour pertes sur prêts

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 porción del saldo de principal para todos los préstamos pendientes; incluso préstamos vigentes, delincuentes y reestructurados salvo los préstamos castigados. No incluye intereses por cobrar o préstamos a empleados.Le solde de l'encours des prêts. Ce solde comprend les prêts sains, à risque et restructurés, mais exclut les prêts rayés du portefeuille. Il n'inclut pas les intérêts courus et non échus.

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 porción de la cartera bruta de préstamos que ha sido aprovisionada con anticipación de pérdidas debido a falta de pago. Esta misma representa el valor acumulativo de la provisión para incobrables neta menos el valor acumulativo de los préstamos castigados.La portion du montant de l'encours brut de prêts ayant fait l'objet d'une dotation aux provisions dans l'anticipation de pertes consécutives aux défauts de paiement. Il comprend la valeur cumulée des dotations nettes aux provisions, moins la valeur cumulée des prêts rayés du portefeuille.

Interest receivable on all asset accounts. Recorded by institutions using accrual accounting.Intereses por cobrar sobre todas las cuentas del activo. Apropiado sólo para las instituciones que usan contabilidad devengada.Intérêts courus et non échus à recevoir. Ce compte est réservé aux institutions qui utilisent un système de comptabilité 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 préstamos a clientes. Incluye préstamos a empleados.Autres comptes à recevoir, créances ou comptes débiteurs. Inclue tous comptes à recevoir autres que prêts aux clients (incluant prêts aux employés)

Long term investments not convertible to cash within 12 monthsTotal de las cuentas del activo a largo plazo. Comptes d'investissements exigibles à 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 deprecición acumlada. Inlcuye intagibles como el desarrollo del sistema informático, menos amoritzación 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 depósitos voluntarios y obligatorios. Total des comptes d'ép. 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 institutionDepósitos a la vista del público en general y miembros que no son vinculados a préstamos de la institución.Comptes à vue du public et des membres maintenus par l'institution et qui ne constitue pas la contrepartie d'un prêt auprès de cette dernière

Client savings accounts that are maintained as a condition for a current or future loan and are held with the institutionClientes con cuentas de ahorros vinculadas a préstamos de la institución y controladas por la institución.Compte d'épargne déposée que les clients sont tenus de maintenir auprès de l'institution en contrepartie d'un prêt

Certificates of deposit or other fixed term deposits Certificados de depósito u otros depósitos a plazos fijos.Comptes de dépôts

Total of Commercial and Concessional Borrowings Total de las obligaciones a tasas comerciales y subsidiadas.Somme des emprunts à taux de marché et taux subventionnés

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 interés nominal que es menor a la tasa comercial local.Le solde de l'encours des emprunts pour lesquels l'institution paie un taux d'intérêt nominal qui est inférieur au taux d'intérêt de marché 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 interés 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'intérêt nominal qui est supérieur ou égal au taux d'intérêt de marché local

Interest payable on all liability accounts. Recorded by institutions using accrual accounting.Intereses por pagar sobre todas las cuentas del pasivo. Apropiado sólo para las instituciones que usan contabilidad devengada.Intérêts courus et non échus à payer. Ce compte est réservé aux institutions utilisant un système de comptabilité 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 préstamos, como hipotecas para propiedad.Autres comptes créditeurs, y compris les comptes d'état débiteurs ou les comptes à 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 versé par les actionnaires ou les membres

Accumulated donations Donaciones acumuladas. Subventions et dons accumulés

Accumulated donations from prior periods Donaciones acumuladas de años anteriores. Subventions et dons des exercices precedents

Donations from the current year Donaciones acumuladas del año en curso. Subventions nettes de l'exercice en cours

Accumulated net income after taxes and before donationsGanancias o pérdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos).La valeur cumulée des résultats nets, diminués d'impôts, des exercices précédents

Accumulated net income after taxes and before donations from prior periodsGanancias o pérdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos)La valeur cumulée des résultats nets, diminués d'impôts, des exercices précédents. 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 yearGanancias o pérdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos) del año en curso.Résultat net (après impôts et avant subventions), de l'exercice en cours

Value of all adjustments, including inflation adjustment Valor de todos los ajustes, inclusive el ajuste por inflación.Valeur de tous les ajustements, incluant l'ajustement pour l'inflation

Value of inflation adjustment expense Valor de los gastos por el ajuste de inflación. Charges nettes d'ajustement à 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 coûts de financement subventionnés

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. Réserves telles que celles imposées 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 Résultat financier

NET OPERATING INCOME RESULTADO DE OPERACIÓN NETO Résultat opérationnel

NET INCOME (BEFORE TAXES AND DONATIONS) Resultado Neto (Antes de Donaciones y Impuestos) Résultat net (avant impôt et subventions)

NET INCOME (AFTER TAXES AND BEFORE DONATIONS)Res. Neto (Antes Donaciones y Después de Impuestos) Résultat net (aprés impôt et avant subventions)

NET INCOME (AFTER TAXES AND DONATIONS) Resultados Neto (Después de Donaciones y Impuestos)Résultat net (aprés impôt et subventions)

Total of revenue from loan portfolio and other financial assets, as well as other financial revenue from financial servicesTotal de los ingresos por la cartera de préstamos y otros activos financieros, además 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 interés, honorarios y comisiones por la cartera de préstamos.Somme des intérêts, frais et comm. perçus sur l'encours de prêts

Interest earned on loan portfolio Interés pagado por la cartera de préstamos. Intérêts perçus sur l'encours de prêts

Penalties, commissions and other fees charged on loan portfolioPenalizaciones y comisiones recibidas por la cartera de préstamos.Pénalités, commissions et autres frais perçus sur l'encours de prêts

Net gains on other financial assets Ingresos netos por otros activos financieros. Les gains nets réalisés 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 provisión de servicios financieros, incluso ingresos de seguros, giros e ingresos no financieros de la provisión 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 servicesTotal de los gastos por obligaciones, ajustes por inflación y costo de fondos además de gastos por otros servicios financieros.La somme des charges sur dettes, les dot. au compte d'ajustement pour coûts de financement subv. et autres ch. fin. liées aux services financiers

Total of interest and fees paid on deposits and borrowingsTotal del interés y comisiones pagadas por obligaciones.La somme des charges sur comptes de dépôts et sur emprunts

Interest and fees paid on demand or term deposits Interés pagado por depósitos a la vista o depósitos a plazo.Intérêts et frais payés sur les comptes de dépôts

Interest and fees paid on borrowings Interés y comisiones pagadas por obligaciones. Intérêts et frais payés 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 inflación.Valeur nette de l'ajustement à l'inflation. Réservé aux institutions ayant une comptabilité 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 à l'inflation

Gain on the value of fixed assets due to inflation Ingreso sobre el valor de los activos fijos debido a inflación.La valeur des reprises au compte d'ajustement à l'inflation

Adjustment expense for difference between market rate and concessional rate on borrowingsGastos netos del ajuste por la diferencia entre tasas del mercado y tasas subsidiadas de las obligaciones.Charges pour compenser la différence entre le taux de marché et le taux subventionné des emprunts

Other expenses from provision of financial services, including non-financial expenses on financial products, as well as net exchange depreciationOtros gastos por la provisión de servicios financieros, incluso gastos no financieros sobre productos financieros, además de depreciación de cambio (neta).Autres charges liées à la prestation des services financiers, y compris les charges liées 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 financières

Sum of loan loss provision expense and recovery on loans written offSum of loan loss provision expense and recovery on loans written offSomme de la dot. aux prov. pour pertes sur prêts et du recouvrement des prêts rayés du portefeuille

Loan Loss Provision Expense for the period Provisión para incobrables del periodo. Somme des dot. aux prov. pour prêts irrécouv., des reprises sur prov et la perte sur prêts irrécouv.

Total recovery on loans written off Total de la recuperación de préstamos castigados. Reprise sur prêts rayés

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 institutionSalarios, comisiones por consultoría, retenciones, beneficios complementarios y impuestos por personal pagados por todos los empleados de la institución.Salaires, avantages sociaux et autres charges patronales payés pour l'ensemble des effectifs de l'institution

Total of Rent and Utilities, Transportation, Office Supplies, Depreciation and Other Administrative ExpensesTotal de los gastos por arriendo, servicios públicos, transporte, suministros, depreciación y otros gastos administrativos.La somme des loyer et charges, transport, matériel et fournitures de bureau, dotations aux amortissements et autres charges administratives

Rent and utility charges Arriendo y servicios públicos. Loyers et charges externes

Transportation of staff to attend to clients and to manage operationsTransporte del personal para atender a los clientes y manejar las operaciones.Frais de transport du personnel pour déplacements 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 equipmentReserva para depreciación y reemplazo final de equipo. Dotation pour détérioration ou réparation du matériel

Other non-personnel administrative expenses Otros gastos administrativos (no para personal). Autres charges (hors personnel) relatives aux prestations financières

Financial Revenue less Financial Expense, Net Loan Loss Provision Expense and Operating ExpenseIngreso financiero menos gasto financiero (neto de la provisión para incobrables y gastos operacionales).Produits d'exploitation moins les ch. fin., dot. aux prov. pour pertes sur prêts 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 expensesGastos de actividades no relacionadas al negocio básico de la provisión de servicios financieros. Este mismo podría incluir a gastos por consultoría o el desarrollo de servicios del desarrollo empresarial.Ch. issues d'une activité sans lien direct à la prestation de services financiers (ex. développement de services de conseil)

Net Operating Income less Net Non-operating Income Ingreso operacional menos el resultado no operacional. Résultat d'exploitation plus résultat 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.Résultat net, après impôts et avant subventions

Donations made to the MFI to subsidize its operations Donaciones a la institución para subsidiar operaciones. Subventions aux opérations 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 CARACTERÍSTICAS INSTITUCIONALES CARACTÉRISTIQUES INSTITUTIONELLES

Peer Group 1 Grupo Par 1 Groupe de pairs 1






Africa África Afrique

Asia Asia Asie

ECA ECA EAC

LAC LAC ALC

MENA MENA MOAN

Bank Banco Banque

Credit Union Cooperativa Coopérative

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 inférieur

Broad Base Amplia Segment interméd.

High end Base Alta Segment supérieur

Small Business Pequeña 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) Pequeña (Escala) Petite (taille)

Medium (Scale) Media (Escala) Moyenne (taille)

Large (Scale) Grande (Escala) Grande (taille)

Small (Outreach) Bajo (Alcance) Petite (portée)

Medium (Outreach) Medio (Alcance) Moyenne (portée)

Large (Outreach) Alto (Alcance) Grande (portée)

Non FI No IF Pas d'IF

Low FI IF Baja IF basse

High FI IF Alta IF élevée

Customized Performance Report Informe Personalizado de Desempeño Rapport de Performance Personnalisé

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 † QUALITÉ

PARTICIPATING INSTITUTIONS Instituciones Participantes Institutions Participantes

Region: Africa Región: África Région: Afrique

Region: Asia Región: Asia Région: Asie

Region: ECA Región: ECA Région: EAC

Region: LAC Región: LAC Région: ALC

Region: MENA Región: MENA Région: MOAN

Charter Type: Bank Estatuto Jurídico: Banco Statut juridique: Banque

Charter Type: Credit Union Estatuto Jurídico: Cooperativa Statut juridique: Coopérative

Charter Type: NBFI Estatuto Jurídico: IFNB Statut juridique: IFNB

Charter Type: NGO Estatuto Jurídico: ONG Statut juridique: ONG

Charter Type: Rural Bank Estatuto Jurídico: Banco rural Statut juridique: Banque rurale


Sustainability: FSS Sostenibilidad: ASF Viabilité: ASF

Sustainability: Non-FSS Sostenibilidad: No-ASF Viabilité: 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 Marché cible: Segment inférieur

Target Market: Broad Mercado Meta: Base Amplia Marché cible: Segment interméd.

Target Market: High End Mercado Meta: Base Alta Marché cible: Segment supérieur

Target Market: Small Business Mercado Meta: Pequeña Empresa Marché cible: Petite entreprise

Methodology: Individual Metodología: Individual Méthodologie: Individ.

Methodology: Individual/ Solidarity Metodología: Individual/ Solidario Méthodologie: Individ./ solidaire

Methodology: Solidarity Metodología: Solidario Méthodologie: Groupe solidaire

Methodology: Village Banking Metodología: Banco Comunal Méthodologie: Caisse villageoise

Age: New Edad: Nueva Age: Nouvelle

Age: Young Edad: Joven Age: Jeune

Age: Mature Edad: Madura Age: Mature

Scale: Small Escala: Pequeño Taille: Petite

Scale: Medium Escala: Medio Taille: Moyenne

Scale: Large Escala: Grande Taille: Grande

Outreach: Small Alcance: Pequeño Portée: Petite

Outreach: Medium Alcance: Medio Portée: Moyenne

Outreach: Large Alcance: Grande Portée: Grande

Financial Intermediation: Non FI Intermediación: No IF Intermédiation: Pas d'IF

Financial Intermediation: Low FI Intermediación: IF Baja Intermédiation: IF basse

Financial Intermediation: High FI Intermediación: IF Alta Intermédiation: IF élevée

[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 clasificación para clasificar la información recibida de las IMF:† Le MicroBanking Bulletin utilise le système 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 información es apoyada por un análisis financiero a fondo realizada por una entidad independiente en los últimos tres años*** L'information est appuyée par une analyse financière approfondie réalisée par une entité indépendante dans les trois dernières années

** The MBB questionnaire plus audited financial statements, annual reports and other independent evaluations** El cuestionario del MBB más resultados financieros auditados, informes anuales y otras evaluaciones independientes** Le questionnaire MBB plus les états financiers audités, rapports annuels et autres évaluations indépendantes

* The MBB questionnaire or audited financial statements without additional documentation* El cuestionario del MBB o de resultados financieros auditados sin documentación adicional* Le questionnaire MBB ou les états financiers audités sans autre document

Benchmarks Benchmarks Benchmarks

(2006 data) (Datos de Referencia 2006) (données 2006)

Benchmark data by Region Benchmarks por Región Benchmarks par région

Benchmark data by Charter Type Benchmarks por Estatuto Jurídico Benchmark par statut juridique

Benchmark data by Sustainability & Profit Status Benchmarks por Sostenibilidad y Fines Benchmarks par viabilité et statut fiscal

Benchmark data by Target Market Benchmarks por Mercado Meta Benchmarks par marché cible

Benchmark data by Methodology Benchmarks por Metodología Benchmarks par méthodologie

Benchmark data by Age & Scale Benchmarks por Edad y Escala Benchmarks par âge et taille

Benchmark data by Outreach & Intermediation Benchmarks por Intermediación y Cuartiles Benchmarks par portée et intermédiation

Notes Comentarios Remarques

(Sub - Saharan Africa) (África 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) (América Latina y El Caribe) (Amérique Latine et Caraïbes)

(Middle East & North Africa) (Medio Oriente y África del Norte) (Moyen Orient et Afrique du Nord)

(Bank) (Banco) (Banque)

(Credit Union) (Cooperativa) (Coopérative)

(Non - Bank Financial Intermediary) (Intermediario Financiero No Bancario) (Intermédiaire financier non bancaire)

(Rural Bank) (Banco rural) (Banque rurale)

(Non Government Organization) (Organización No Gubernamental) (Organisation non-gouvernementale)

(Financial Self-Sufficiency > 100%) (Auto-Suficiencia Financiera > 100%) (Auto-suffisance financière > 100%)

(Financial Self-Sufficiency < 100%) (Auto-Suficiencia Financiera < 100%) (Auto-suffisance financière < 100%)

(Avg. Balance per Borrower/ GNI per Capita < 20% and Avg. Balance per Borrower < USD 150)(Saldo Promedio por Prestatario/ PNB per Capita < 20%)(Prêt moyen par emprunteur/ PNB par habitant < 20% et Prêt 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%)(Prêt 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%)(Prêt 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%)(Prêt 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 Solidarité; ou Individuelle, Solidarité et Caisse villageoise)

(0 to 4 Years) (0 a 4 Años) (0 à 4 ans)

(5 to 8 Years) (5 a 8 Años) (5 à 8 ans)

( > 8 Years) ( > 8 Años) ( > 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) (Número de prestatarios < 10,000) (Nombre d'emprunteurs < 10,000)

(Number of Borrowers ≥ 10,000 and ≤ 30,000) (Número de prestatarios ≥ 10,000 y ≤ 30,000) (Nombre d'emprunteurs ≥ 10,000 et≤ 30,000)

(Number of Borrowers > 30,000) (Número 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 País Pays

DATA QUALITY Calidad de Datos Qualité des données

Year: Año: Année:

Number of Borrowers Número 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 industry’s 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 desempeño financiero de instituciones de microfinanzas (IMF) a través de la publicación y diseminación de los resultados financieros y operacionales de la industria. Los resultados financieros de los IMF alrededor del mundo son agregados, ajustados según las normas comunes y comparados. El MBB es publicado dos veces al año y disemina los resultados de este análisis 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 à améliorer la performance financière des institutions de microfinance (IMF) par la publication et la dissémination des résultats financiers de l’industrie. Les résultats financiers et opérationnels des IMF partout dans le monde sont rassemblés, ajustés selon des normes de l'industre et comparés. Le MicroBanking Bulletin est publié deux fois par an et fournit les résultats de cette analyse comparative. Les institutions participantes soumettent leurs informations volontairement et reçoivent en contrepartie un rapport personnalisé qui compare leurs résultats à ceux de leur groupe de pairs. Le MIX maintient les informations en stricte confidentialité.

Customized Performance Reports and MicroBanking BulletinInforme Personalizado de Desempeño y MicroBanking BulletinRapport de performances personnalisé 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 industry’s 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 Desempeño” de forma gratuita. El MicroBanking Bulletin (MBB) es uno de los productos más importantes del MIX. El MBB pretende mejorar el desempeño financiero de instituciones de microfinanzas (IMF) a través de la publicación y difusión de los resultados financieros de la industria. Los resultados financieros de las IMF alrededor del mundo son agregados, ajustados según las normas comunes y comparados. El MBB es publicado dos veces al año y difunde los resultados de este análisis comparativo. Las instituciones participantes proveen sus datos financieros voluntariamente y todos los datos son estrictamente confidenciales. Les IMF qui transmettent leurs données au MicroBanking Bulletin reçoivent un rapport de performances personnalisé gratuit. Le MicroBanking Bulletin (MBB) est un des produits principaux du MIX. Le MBB vise à améliorer la performance financière des institutions de microfinance (IMF) par la publication et la dissémination des résultats financiers de l’industrie. Les résultats financiers des IMF de partout dans le monde sont rassemblés, ajustés selon des normes communes et comparés. Le MicroBanking Bulletin est publié deux fois par an et fournit les résultats de cette analyse comparative. Les institutions participantes soumettent leurs informations volontairement et ces informations sont maintenues strictement confidentielles.

e-mail: [email protected] e-mail: [email protected] e-mail: [email protected]

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.orgMicrofinance Information Exchange, Inc. (MIX) es una institución sin fines de lucro dedicada a mejorar la infraestructura de información para la industria de microfinanzas de los países en desarrollo, promoviendo la estandarización de reportes financieros y operacionales, ofreciendo y proveyendo servicios especializados de información. Para mayor información favor de visitar www.themix.orgLe Microfinance Information Exchange, Inc. (MIX) est une organisation à but non lucratif dont la mission est d’améliorer les infrastructures d’information sur l’industrie de la microfinance à travers le monde, en soutenant les standards de reporting financier et opérationnel, en fournissant des données sur le secteur et en offrant des services d’information spécialisés. Pour plus d’informations, voir www.themix.org

MIX América LatinaJr. León Velarde 333, Lima 14, Perú | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sénégal | Tel/Fax : +221 820 55 07MIX América LatinaJr. León Velarde 333, Lima 14, Perú | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sénégal | Tel/Fax : +221 820 55 07MIX América LatinaJr. León Velarde 333, Lima 14, Perú | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sénégal | Tel/Fax : +221 820 55 07

1901 Pennsylvania Avenue NW 1901 Pennsylvania Avenue NW 1901 Pennsylvania Avenue NW

Suite 307 Suite 307 Suite 307

Washington DC 20006 Washington DC 20006 Washington DC 20006

Tel: +1 (202) 659 9094 Tel: +1 (202) 659 9094 Tel: +1 (202) 659 9094

Fax: +1 (202) 659 9095 Fax: +1 (202) 659 9095 Fax: +1 (202) 659 9095

This document were produced with the help of: Este documento fue hecho con la ayuda de: This document were produced with the help of:

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 prêts 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 prêts sur actif total (Groupe de pairs)

Adj. Number of Borrowers and Gross Loan Portfolio Número de Prestatarios y Cartera Bruta Ajustada Nombre d'emprunteurs ajustés et encours brut de prêts

Number of Active Borrowers Número de prestatarios actuales Nombre d'emprunteurs actifs


Number of Active Borrowers (MFI) Número de Prestatarios Activos (IMF) Nombre d'emprunteurs actifs (IMF)

Gross Loan Portfolio (MFI) Cartera Bruta (IMF) Encours Brut de Prêts (IMF)

Number of Active Borrowers (Peer Group) Número de Prestatarios Activos (Grupo Par) Nombre d'emprunteurs actifs (Groupe de pairs)

Gross Loan Portfolio (Peer Group) Cartera Bruta (Grupo Par) Encours brut de prêts (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 à tous participants)

Deconstructing Return on Assets Descomposición de Retorno sobre Activos Décomposition du rendement de l'actif

Returns Retornos Rendements

Operating Expense Ratio Operating Expense Ratio Operating Expense Ratio

Loan Loss Prov Exp. Ratio Razón de Provisión para Incobrables Ratio de dot. aux prov pour prêts irrécouvrables

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 utilización 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 prêts 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 prêts sur actif total (Groupe de pairs)

Breakout of Expenses (MFI vs. Peers) Descomposición de Gastos (IMF vs. Pares) Composantes des charges (IMF vs. Pairs)

Adj. Financial Exp. Ratio Razón de Gasto Financiero, Ajustado Ratio de ch. financières ajusté

Adj. LLPE Ratio Razón de Provisión para Incobrables, Ajustada Ratio de dot. aux prov pour prêts irrécouv. ajusté

Adj. Personnel Exp. Ratio Razón de Gasto de Personal, Ajustado Ratio de ch. de personnel ajusté

Adj. Admin. Exp. Ratio Razón de Gasto Administrativo, Ajustado Ratio de ch. aministratives ajusté

Efficiency: Two Perspectives Eficiencia: Dos Perspectivas Efficience: deux perspectives

Efficiency and Productivity Productividad y eficiencia Productivité et efficience

Operating Expense/ LP Gastos Oper./ Cartera Ch. d'exploit./ portefeuille

Efficiency EFICIENCIA EFFICIENCE

Cost per Borrower - USD Gasto por Prestatario (USD) Coût 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) Coût par emprunteur - USD (IMF)

Cost per Borrower - USD (Peer Group) Gasto por Prestatario - USD (Grupo Par) Coût par emprunteur - USD (Groupe de pairs)

Portfolio Quality Calidad de Cartera Qualité du portefeuille

Portfolio at Risk > 30 days (MFI) Cartera en Riesgo > 30 Días (IMF) Portefeuille à risque > 30 jours (IMF)

Write-off Ratio (MFI) Razón de Préstamos Castigados (IMF) Taux de radiation de prêts (IMF)

Portfolio at Risk > 30 days (Peer Group) Cartera en Riesgo > 30 Días (Grupo Par) Portefeuille à risque > 30 jours (Groupe de pairs)

Write-off Ratio (Peer Group) Razón de Préstamos Castigados (Grupo Par) Taux de radiation de prêts (Groupe de pairs)

Clients Served Clientes Servidos Clients Servis

Loan Portfolio and Revenues Cartera de Préstamos e Ingresos Encours de prêts et produits

Efficiency and Cost to Client Eficiencia y Gasto al Cliente Efficience et coût 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-après)

Definitions Definiciones Définitions

About Acerca de A propos de

Average Promedio anual Moyenne annuelle

Median Mediana Médiane

Standard Deviation Desviación Estándar Ecart type

Minimum Mínimo Minimum

Maximum Máximo Maximum

Number Nombre Nombre

MIX 2009 Benchmarks MIX Benchmarks - datos 2009 MIX Benchmarks - données 2009

Adjustment Summary Page Adjustment Summary Page Résumé des ajustements

Note that this MFI uses inflation-based accounting Esta IMF utiliza contabilidad ajustada por inflación Cette IMF tient compte de l'inflation et retraite les chiffres portés aux états financiers.

Yes Sí Oui

No No Non

(Africa; GLP > $8,000,000; Voluntary Savings/ Total Assets ≥ 20%)(África; 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%)(África; 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%)(África; 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%)(África; 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) (África; CBP < $2,000,000) (Afrique; PF < $2,000,000)

(Africa; GLP < $2,000,000; Voluntary Savings/ Total Assets ≥ 20%)(África; 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%)(África; 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)(África; 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 Prêt moyen par emprunteur/ PNB par habitant < 20% et Prêt moyen par emprunteur < USD 150)

(Africa; GLP < $2,000,000 and Avg. Balance per Borrower/ GNI per Capita ≥ 20% and ≤ 150%)(África; CBP < $2,000,000 y Saldo Promedio por Prestatario/ INB per Capita ≥ 20% y ≤ 150%)(Afrique; PF < $2,000,000 et Prêt 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 Cápita > 150% y ≤ 275%)(EAC; Prêt 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 Cápita ≥ 20% y ≤ 150%)(EAC; PF > $8,000,000; Prêt 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 Cápita ≥ 20% y ≤ 150%)(EAC; PF ≥ $2,000,000 et ≤ $8,000,000; Prêt 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 Cápita ≥ 20% y ≤ 150%)(EAC; PF < $2,000,000; Prêt 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 Cápita < 20% y Saldo Promedio por Prestatario < USD 150)(EAC; PF < $2,000,000; Prêt moyen par emprunteur/ PNB par habitant < 20% et Prêt moyen par emprunteur < USD 150)

(ECA; GLP > $8,000,000; Voluntary Savings/ Total Assets > 0 and < 20%)(ECA; CBP > $8,000,000; Depósitos 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; Depósitos 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 Cápita > 150%)(EAC; PF ≥ $2,000,000 et ≤ $8,000,000; Prêt 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 Cápita ≤ 150%)(EAC; PF ≥ $2,000,000 et ≤ $8,000,000; Prêt 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 Cápita ≥ 20% y ≤ 250%)(EAC; PF < $2,000,000; Prêt 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 Cápita ≥ 20% y ≤ 150%)(ALC; PF ≥ $4,000,000 et ≤ $15,000,000; Prêt 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 Cápita < 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 Cápita ≥ 20% y ≤ 150% )(ALC; PF < $4,000,000; Prêt 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 Cápita < 20% y Saldo Promedio por Prestatario < USD 150 )(ALC; PF < $4,000,000; Prêt moyen par emprunteur/ PNB par habitant < 20% et Prêt 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 financière > 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 financière < 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 financière > 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 financière < 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 financière > 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 financière < 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 financière > 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 financière < 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 financière > 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 financière < 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 financière > 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 financière < 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 financière > 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 financière < 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 financière > 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 financière < 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 financière > 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 financière < 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 financière > 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 financière < 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 financière > 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 financière < 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 financière > 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 financière < 100%)

SIMPLE PEER GROUPS GRUPOS PARES SIMPLES GROUPES DE PAIRS SIMPLES

COMPOUND PEER GROUPS GRUPOS PARES COMPUESTOS GROUPES DE PAIRS COMPOSES

Africa África Afrique

Africa Large FI África Grande IF Afrique Grande IF

Africa Large FSS África Grande ASF Afrique Grande ASF

Africa Large Non FI África Grande No IF Afrique Grande Pas d'IF

Africa Large Non FSS África Grande Non FSS Afrique Grande Non FSS

Africa Medium FI África Medio IF Afrique Moyenne IF

Africa Medium FSS África Medio ASF Afrique Moyenne ASF

Africa Medium Non FI África Medio No IF Afrique Moyenne Pas d'IF

Africa Medium Non FSS África Medio Non FSS Afrique Moyenne Non FSS

Africa Small Broad África Pequeño Base Amplia Afrique Petite Segment interméd.

Africa Small FI África Pequeño IF Afrique Petite IF

Africa Small FSS África Pequeño ASF Afrique Petite ASF

Africa Small Low África Pequeño Low Afrique Petite Low

Africa Small Non FI África Pequeño No IF Afrique Petite Pas d'IF

Africa Small Non FSS África Pequeño 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 Pequeño Asie Petite

Asia Small FI Asia Pequeño IF Asie Petite IF

Asia Small FSS Asia Pequeño ASF Asie Petite ASF

Asia Small Non FI Asia Pequeño No IF Asie Petite Pas d'IF

Asia Small Non FSS Asia Pequeño Non FSS Asie Petite Non FSS

Bank Banco Banque

Broad Base Amplia Segment interméd.

Credit Union Cooperativa Coopérative

ECA ECA EAC

ECA High ECA Base Alta EAC Segment supérieur

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 interméd.

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 Pequeño Base Amplia EAC Petite Segment interméd.

ECA Small Broad High ECA Pequeño Base Amplia EAC Petite Segment interméd.

ECA Small FSS ECA Pequeño ASF EAC Petite ASF

ECA Small Low ECA Pequeño Low EAC Petite Low

ECA Small Non FSS ECA Pequeño Non FSS EAC Petite Non FSS

For Profit Con Fines de Lucro Con Fines de Lucro

FSS ASF ASF

High End Base Alta Segment supérieur

High FI IF Alta IF élevée

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 interméd.

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 Pequeño Non FSS ALC Petite Non FSS

LAC Small Broad LAC Pequeño Base Amplia ALC Petite Segment interméd.

LAC Small FSS LAC Pequeño ASF ALC Petite ASF

LAC Small Low LAC Pequeño Low ALC Petite Low

LAC Small Non FSS LAC Pequeño Non FSS ALC Petite Non FSS

Large (Outreach) Alto (Alcance) Grande (portée)

Large (Scale) Grande (Escala) Grande (taille)

Low End Base Baja Segment inférieur

Low FI IF Baja IF basse

Mature Madura Mature

Medium (Outreach) Medio (Alcance) Moyenne (portée)

Medium (Scale) Media (Escala) Moyenne (taille)

MENA MENA MOAN

MENA Large MENA Grande MOAN Grande

MENA Medium MENA Medio MOAN Moyenne

MENA Small MENA Pequeño 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 Pequeña Empresa Petite entreprise

Small (Outreach) Bajo (Alcance) Petite (portée)

Small (Scale) Pequeña (Escala) Petite (taille)

Solidarity Solidario Groupe solidaire

Village Banking Banco Comunal Caisse villageoise

Young Joven Jeune

Benchmarks Benchmarks Benchmarks

User’s Manual Manual de Usuario Guide de Référence

Analyzing Performance Análisis del Desempeño 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 institution’s 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 desempeño de una IMF. Los Indicadores muestran información sencilla de una institución (como su edad) o la relación entre dos o más informaciones (como los prestatarios y número de personal que atienden esos prestatarios) para revelar un aspecto de desempeño de dicha institución. Con el uso de indicadores estándares dentro de una institución, un analista puede monitorear con más exactitud el crecimiento y los cambios en el desempeño de una institución sobre tiempo. La extensión de estos estándares a todas las instituciones le permite al analista monitorear y comparar el desempeño entre instituciones a través del tiempo.L'analyse utilise des ratios et d'autres indicateurs pour interpréter les performances d'une IMF. Les indicateurs expriment soit des informations simples sur l'institution (tel que son âge) soit un rapport entre deux données (tel que le nombre d'emprunteurs et le nombre d'employés qui gèrent 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'évolution et les changements des performances de cette institution dans le temps. Si ces standards sont appliqués à 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 análisis comparativo. Las páginas siguientes explican las diferentes categorías usadas para agrupar instituciones similares. Al mirar una organización en comparación a sus pares, un analista puede ver el desempeño de una institución relativo a una institución típica con características similares.Les groupes de pairs créent le contexte permettant l'analyse comparative. Les pages suivantes expliquent les différentes catégories utilisées 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 présentant les mêmes caractéristiques.

No one indicator will summarize all aspects of an institution’s 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.Ningún único indicador resumirá todos los aspectos del desempeño de una institución. De esta forma, los indicadores deben ser usados en conjunto para el análisis de desempeño. Los indicadores en este informe tratan de aspectos diferentes de ese desempeño. Sin una nota, todos los indicadores se asumen que están ajustados de acuerdo a los ajustes analíticos descritos en este documento.Un indicateur seul ne peut résumer tous les aspects des performances d'une institution. C'est pour cela que les indicateurs doivent être analysés ensemble dans l'analyse des performances. Les indicateurs dans ce rapport évoquent les différents aspects des performances. Tout indicateur est ajusté pour prendre en compte les ajustements analytiques standards décrits ci-après.

Interpreting Indicators Interpretando los Indicadores Interpréter les indicateurs

Financial Management Estructura de Financiamiento Structure financière

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 éstas fuentes de capital tales pasivos como patrimonio, y los comparan a los recursos adquiridos con ese financiamiento. También indican cuanto una institución ha apalancado su capital.Les IMF financent leurs activités grâce à des fonds issus de diverses sources. Les mesures de structure financière décrivent ces diverses sources de fonds, qu'elles proviennent de dettes ou de capitaux propres, et les comparent aux actifs de l'institution. Ces indicateurs décrivent également son effet de levier.

Scale and Outreach Escala y Alcance Echelle et Portée

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 más clientes con más productos. Indicadores de escala miden el tamaño de servicios a clientes de microfinanzas, tales préstamos como depósitos. Indicadores de alcance reportan en el número y tipo de clientes atendidos. Analistas de la industria todavía están trabajando en indicadores que reflejan los niveles de pobreza de clientes atendidos por servicios de microfinanzas.A mesure que les IMF étendent leur portée et grandissent, elles atteignent plus de clients avec plus de produits. Les indicateurs d'échelle mesurent la taille des services offerts aux clients, que ce soit en matière de crédit ou d'épargne. Les indicateurs de portée décrivent le nombre et le type de clients atteints. Les analystes en microfinance continuent d'examiner les indicateurs qui reflètent correctement le niveau de pauvreté des clients d'institutions de microfinance.

Sustainability and Profitability Autosuficiencia y Rentabilidad Pérennité et Rentabilité

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 institution’s 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 están comparados a los activos y patrimonio de una institución. Autosuficiencia mide el grado en que retornos cubren gastos totales.Les institutions rentables et pérennes obtiennent un résultat net positif sur leurs opérations. En microfinance, cela signifie que l'institution génère un résultat positif net sans dépendre de subventions de bailleurs. Pour prendre en compte l'échelle de l'institution, ces résultats sont comparés à l'actif et aux fonds propres de l'IMF. La pérennité 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 mayoría de sus ingresos de su cartera bruta de préstamos. Mientras IMFs diversifican sus servicios, cobros de transferencias, pagos y servicios de seguros proveerán 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 créeront de nouvelles sources de revenus. Les indicateurs de produits présentent les revenus financiers par rapport à l'encours de prêts, ainsi que sur la base de l'actif total, pour permettre une analyse de l'impact des revenus sur la rentabilité et la pérennité.

Expenses GASTOS CHARGES D'EXPLOITATION

An MFI’s 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 provisión para pérdidas potenciales de castigos. Indicadores de gastos miden la importancia relativa de las categorías de gastos diferentes para determinar su impacto en la rentabilidad y la autosuficiencia.Les activités financières d'une IMF génèrent diverses charges, y compris les charges d'exploitation, le coût des emprunts et le provisionnement pour pertes sur prêts. Les indicateurs de charges mesurent l'importance relative des différentes catégories de charges afin de déterminer leur impact sur la rentabilité et la pérennité.

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 mínimos en ofrecer sus servicios. Deben intentar reducir tales costos por escala o por el uso de tecnologías efectivas. Indicadores de eficiencia miden el nivel de gastos incurridos para proveer servicios financieros como préstamos.Les institutions efficientes minimisent leurs coûts de prestation de services. Elles s'efforcent à réduire ces coûts à travers les économies d'échelle ou l'emploi de technologies efficaces. Les indicateurs d'efficience mesurent le niveau des charges générées pour la prestation de services financiers tels que les prêts.

Productivity Productividad PRODUCTIVITÉ

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 mínimo de recursos. Indicadores de productividad presentan medidas de cómo efectivamente los recursos humanos están apalancados para atender a clientes de IMFs. Tales indicadores dependen en la tecnología de una institución y el tipo y variedad de servicios ofrecidos.Les institutions productives maximisent leurs services avec un minimum de ressources. Les indicateurs de productivité mesurent l'efficacité d'une IMF à utiliser ses ressources humaines pour servir ses clients. Ces indicateurs dépendent des technologies employées par l'institution ainsi que le type et la gamme des services offerts.

Risk and Liquidity RIESGO Y LIQUIDEZ RISQUES ET LIQUIDITÉ

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 MFI’s most important asset, such risk directly impacts its revenues and generates additional costs due to loss. Portfolio quality will determine the institution’s 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 número de riesgos en su negocio. El primero de estos riesgos incluye riesgo crediticio, la posibilidad que un prestatario no pagase un préstamo. Como la cartera bruta es el activo más importante de una IMF, tales riesgos impactan directamente sus ingresos y generan costos adicionales debido a pérdidas. La Calidad de la Cartera determinará la habilidad de una institución en incrementar su alcance y continuar atendiendo a sus clientes existentes. IMFs con una alta cantidad de pasivos a corto plazo o depósitos del público también 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 financières, font face à de nombreux risques. Un premier risque est celui de défaut ou la probabilité qu'un emprunteur ne rembourse pas son emprunt. Le portefeuille de prêts étant l'actif le plus important d'une IMF, ce risque concerne directement les produits et génère des charges supplémentaires dues aux pertes. La qualité du portefeuille détermine la capacité d'une institution à étendre sa portée et assurer la prestation de services à sa clientèle. Les IMF dépendant de financements à court terme ou mobilisant des dépôts du public sont également confrontées aux risques de liquidité, lorsque les actifs et dettes à court terme ne sont pas alignés, empêchant ainsi l'institution de répondre aux besoins de ses obligations courantes.

Age Edad Age

Charter Type: Estatuto Jurídico: Statut juridique:

Financial Intermediation Intermediación: Intermédiation:

Methodology: Metodología: Méthodologie:

Outreach Alcance: Portée:

Profit Status Fines A but lucratif

Region: Región: Région:

Scale Escala: Taille:

Sustainability: Sostenibilidad: Viabilité:

Target Market: Mercado Meta: Marché cible:

For definitions of Peer Groups, refer to the Peer Group Classification section of this filePara ver las definiciones de los grupos pares, véase la sección "Clasificación de Grupos Pares" en este archivoPour des définitions 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 filePara más información sobre los indicadores, véase la sección "Definiciones de los Indicadores" en este archivoPour plus d'informations sur les indicateurs, voir la partie "Définition 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 observacionesRésultats à moins de trois observations sont marqués "n/a"

Africa Small África Pequeño Afrique Petite

ECA Small ECA Pequeño 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 commencerThis 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 cálculo contiene los indicadores de referencia sobre el desempeño de las instituciones de microfinanzas alrededor del mundo. Estos indicadores han sido calculados para grupos de instituciones que comparten características comunes, como región o tamaño. Haga click en cualquiera de los enlaces de abajo para explorar los indicadores de estos grupos en diferentes áreas: alcance, estructura financiera, rentabilidad, productividad o riesgo.Ce tableur contient les données de benchmark sur les performances d'institutions de microfinance dans le monde. Ces benchmarks sont les résultats de groupes d'institutions -- groupes de pairs -- qui partagent certaines caractéristiques telles que la région ou la taille des opérations. Cliquez sur les liens ci-dessous pour consulter les performances des groupes de pairs dans un domaine particulier: portée, structure financière, rentabilité, productivité 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 año, haga click sobre la pestaña "Benchmark Highlights".Pour un aperçu des performances de cette année, 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

First topicfirst bullet

second bullet

third bullet

Second topicfirst bullet

second bullet

third bullet

Third topicfirst bullet

second bullet

third bullet

Fourth topicfirst bullet

second bullet

7

Русский Translation ComponentCompenent2 Component3 Component4

Содержание

Сравнительный анализ

Финансовые отчеты с поправками и реклассификацией

Сводный обзор поправок

Определения показателей

Примечания к поправкам и однородным группам организаций

Определения финансовых терминов

Классификация групп однородных заемщиков

Данные бенчмаркинга

Информация о MIX

стр. 2 Page 2

стр. 6 Page 6

стр. 7 Page 7

стр. 8 Page 8

стр. 9 Page 9

стр. 10 Page 10

стр. 12 Page 12

стр. 15 Page 15

Последняя страница обложки

Использование персонифицированных отчетов о результатах деятельности

El MIX ha preparado este Informe de Desempeño Personalizado basado en la información proporcionada por su institución y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistirá a comprender el desempeño de sus instituciones, normalizado con acuerdo a los términos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparación de desempeño y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un análisis de comparación significativa. Las reclasificaciones de cuentas, ajustes analíticos y la normalización de razones que MIX emplea aumenta la comparación 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 considerarán este reporte y el benchmarking útil para: > La ubicación del d

Este informe le guiará a través de un análisis comparativo de su institución. Cada sección subsiguiente revela más datos esenciales y procesos involucrados en el análisis. Continué leyendo para aprender más. El análisis comparativo, por ejemplo, destaca el desempeño de su institución, sintetizado a través de un análisis por escrito con gráficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analítico de desempeño, y el resumen de ajustes que explican el impacto analítico por ajustes de provisión para incobrables, subvención e inflación que afectan la posición de su IMF. Las notas de los indicadores, términos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este análisis. Por último, para los usuarios más avanzados, el MIX proporciona indicadores de desempeño comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite perso



Год:

Класс качества данных:

Валюта:

Доллар США

Совокупный портфель займов без учета поправок

С учетом поправок

ИНСТИТУЦИОНАЛЬНЫЕ ХАРАКТЕРИСТИКИ

Количество МФО

Возраст

Общие активы

Офисы

Персонал

СТРУКТУРА ФИНАНСИРОВАНИЯ

Коэфф. капитал / активы

Коэфф. коммерческих долговых обязательств

Коэфф. задолженности

Сбережения / займы

Сбережения / общие активы

Совокупный портфель займов / общие активы

ПОКАЗАТЕЛИ ОХВАТА

Число активных заемщиков

Процент женщин-заемщиков

Число непогашенных займов

Валовой портфель займов

Средний непогашенный остаток на заемщика

Средний непогашенный остаток на заемщика / ВНД на душу населения

Средний непогашенный остаток

Средний непогашенный остаток/ ВНД на душу населения

Кол-во сберегателей

К-во сберегательных счетов

сбережения

Средний остаток по сбер. счету на сберегателя

Средний остаток по сбер. счету на сберегателя/ ВНД на душу населения

Средний остаток по сбер. счету

Средний остаток по сбер. счету/ ВНД на душу населения

МАКРОЭКОНОМИЧЕСКИЕ ПОКАЗАТЕЛИ

ВНД на душу нас.

Темпы роста ВВП

Ставка по депозитам

Инфляция

Финансовая глубина

ОБЩИЕ ФИНАНСОВЫЕ ПОКАЗАТЕЛИ

Доходность активов

Доходность капитала

Операционная самоокупаемость

Финансовая самоокупаемость

*данные без учета поправок взяты из финансовых отчетов без поправок. Данные по займам и заемщикам без учета поправок не учитывают стандартные списания.

** Данные по МФО приводятся на конец финансового года



ДОХОДЫ

Коэфф. финанс. доходов

Норма прибыли

Доходность совокупного портфеля (номинальная)

Доходность совокупного портфеля (реальная)

РАСХОДЫ

Общий коэфф. расходов

Коэфф. финанс. расх.

Коэфф. резерва на потери по займам

Коэффициент операционной эффективности

Коэфф. расходов на оплату труда

Коэфф. административн. расходов

Коэфф. расходов по регулированию

ЭФФЕКТИВНОСТЬ

Операционные расходы / портфель займов

Расходы на оплату труда / портфель займов

Средняя зарплата к ВНД на душу нас.

Расходы на одного заемщика

Расходы на выдачу одного займа

ПРОИЗВОДИТЕЛЬНОСТЬ

Кол-во заемщиков на одного сотрудника

Кол-во займов на одного сотрудника

Кол-во заемщиков на менеджера займов

Кол-во займов на менеджера займов

Кол-во сбрегателей на одного сотрудника

Кол-во сберегательных счетов на одного сотрудника

Коэфф. распределения сотрудников

РИСК И ЛИКВИДНОСТЬ

Риск портфеля > 30 дней

Риск портфеля > 90 дней

Коэфф. списаний

Уровень потерь по займам

Покрытие риска

Не приносящие дохода ликвидные активы в % к общим активам

Коэффициент текущей ликвидности

Финансовые отчеты с поправками и реклассификацией

Балансовый отчет

Счета без поправок

Счета с поправками

Наличные и средства к получению от банков

Резервы Центробанка

Наличные и средства к получению от банков

Чистый портфель займов


(Резерв на потери по займам)

Проценты к получению

Счета к получению и иные активы

Долгосрочные финансовые активы

Чистые основные средства


Вклады до востребования

Добровольные сбережения

Обязательные сбережения

Срочные вклады

Заимствования

Заимствование по концессиональной процентной ставке

Заимствование по коммерческой процентной ставке

Проценты к оплате

Кредиторская задолженность и другие обязательства

Общие обязательства

Оплаченный капитал

Безвозмездно переданный капитал

Прошлые годы

Текущий год

Нераспределенная прибыль

Прошлые годы

Текущий год

Поправки

ПОПРАВКА НА ИНФЛЯЦИЮ

Subsidized Costs of Funds Adjustment

Поправка на субсидии в натуральной форме

Резервы

Другие счета капитала

Общий собственный капитал

Итого обязательства и капитал

Коэффициент конвертации валют

Единицы

Отчет о доходах

Финансовые доходы

Финансовый доход с портфеля займов

Процентный доход с портфеля займов

Платежи и комиссионные по портфелю займов

Финансовые поступления от других финансовых активов

Другие поступления в связи с финансовыми услугами

Финансовые расходы

Финансовые расходы по обязательствам

Расходы на выплату процентов и комиссионных по вкладам

Расходы на выплату процентов и комиссионных по заемным средствам

Расход на индексацию инфляции


Доход от поправки на инфляцию

Поправка на субсидированную стоимость денежных средств

Иные финансовые расходы

Чистая финансовая прибыль

Чистый расход по созданию резерва на потери по займам

Расход по созданию резерва на потери по займам

Возврат по списанным займам

Операционные расходы

Расходы на оплату труда

Административные расходы

Аренда и коммунальные услуги

Транспортные расходы

Канцтовары

Износ и амортизация

Другие административные расходы

Чистая операционная прибыль

Чистый неоперационный доход

Неоперационные доходы

Неоперационные расходы

Чистая прибыль (до вычета налогов и пожертвований)

Налоги

Чистый доход (после налогов и до пожертвований)

Пожертвования - субсидирование финансовых услуг

Чистая прибыль (после налогов и пожертвований)

Сводный обзор поправок

ПОПРАВКА НА ИНФЛЯЦИЮ

Капитал за прошлый год

Инфляция


Основные средства за прошлый год

Инфляция

Доход от поправки на инфляцию


ПОПРАВКА НА СУБСИДИРОВАННУЮ СТОИМОСТЬ ДЕНЕЖНЫХ СРЕДСТВ

Общие заимствования за прошлый год

Общие заимствования за текущий год

Средние общие заимствования за год

Местная коммерческая процентная ставка

Стоимость средств по коммерческой ставке

Расходы на выплату процентов и комиссионных по заемным средствам

Поправка на субсидированную стоимость денежных средств

ПОПРАВКА НА СПИСАНИЯ


Риск портфеля >365 дней

Совокупный портфель займов с учетом поправок

Число непогашенных займов

Количество займов > 365 дней

Количество непогашенных займов с учетом поправок

ПОПРАВКА НА СОЗДАНИЕ РЕЗЕРВА НА ПОТЕРИ ПО ЗАЙМАМ

Реструктурированные займы

Коэффициент резерва, реструктурированные займы

Сумма резерва, реструктурированные займы

Риск портфеля свыше 91-180 дней

Коэффициент резерва, PAR > 91-180 дней

Сумма резерва, PAR > 91-180 дней

Риск портфеля свыше 180-365 дней

Коэффициент резерва, PAR > 180-365 дней

Сумма резерва, PAR > 180-365 дней

Минимальный резерв на потери по займам с учетом поправок


Минимальный резерв на потери по займам без учета поправок

Чистый портфель займов без учета поправок

Совокупный портфель займов с учетом поправок

Резерв на потери по займам с учетом поправок

Чистый портфель займов с учетом поправок

Разница - чистый портфель займов с учетом поправок и без учета поправок

Расход по созданию резерва на потери по займам без учета поправок

Расход по созданию резерва на потери по займам с учетом поправок

ПОПРАВКА НА СУБСИДИИ В НАТУРАЛЬНОЙ ФОРМЕ

Категория пожертвования

Персонал

Аренда и коммунальные услуги

Транспортные расходы

Канцтовары

Иные

Всего

Применяется:

Объявленная стоимость

МВФ, Международная финансовая статистика, строка 64x

Эффект: Вводится как отдельный счет капитала, регулирует Чистый доход

МВФ, Международная финансовая статистика, строка 64x

Эффект: Увеличивает основные средства, общие активы.

Эффект: Увеличивает финансовые расходы, снижает чистый операционный доход, чистый доход (Примечание: Если основные средства превышают сумму капитала, финансовые расходы сокращаются, увеличивая чистый операционный доход, чистый доход).

МВФ, Международная финансовая статистика, строка 60L

Эффект: Увеличивает финансовые расходы, снижает чистый операционный доход, чистый доход.

Эффект: снижает чистый портфель займов и увеличивает чистый расход по созданию резерва на потери по займам, если резерв на потери по займам не достаточен для покрытия поправок на формирование резервов и на списания.

Эффект: снижает чистый операционный доход, чистый доход.

Поправка

Эффект: повышает операционные расходы, снижает чистый операционный доход, чистый доход.

Определения показателей

Численность группы

Сколько лет действует как МФО

Общие активы с поправкой на инфляцию и стандартный резерв портфеля на потери по займам и списания

Количество, включая головной офис

Общее количество сотрудников

Общий капитал с поправками / общие активы с поправками

Все обязательства по «рыночной» цене / валовой портфель займов с поправками

Общие обязательства с поправками / общеий капитал с поправками

сбережения / совокупный портфель займов с поправками

сбережения / общие активы с поправками

Совокупный портфель займов с поправками / общие активы с поправками

Количество заемщиков с непогашенными займами с учетом поправок на стандартные списания

Количество активных заемщиков - женщин / количество активных заемщиков с учетом поправок

Количество непогашенных займов с учетом поправок на стандартные списания

Совокупный портфель займов с учетом поправок на стандартные списания

Совокупный портфель займов с поправками / количество активных заемщиков с поправками

Средний непогашенный остаток на заемщика с поправками / ВНД на душу нас.

Совокупный портфель займов с поправками / количество непогашенных займов с поправками

Средний непогашенный остаток с поправками / ВНД на душу нас.

Количество добровольных сберегательных счетов - срочных и до востребования

0

Общая стоимость добровольных сберегательных счетов - срочных и до востребования

Сумма добровольных сбережений / Количество добровольных сберегателей

Средний остаток по сбер. счету на сберегателя/ ВНД на душу населения

Сумма добровольных сбережений / Количество счетов добровольных сбережений

Средний остаток по сбер. счету/ ВНД на душу населения

Total income generated by a country's residents, irrespective of location / Total number of residents (World Development Indicators)

Annual growth in the total output of goods and services occurring within the territory of a given country (World Development Indicators)

Interest rate offered to resident customers for demand, time, or savings deposits (IMF/International Financial Statistics)

Annual change in average consumer prices (IMF/International Financial Statistics)

Money aggregate including currency, deposits and electronic currency (M3) / GDP, measuring the monetization of the economy (IMF/International Financial Statistics)

Чистая операционная прибыль с поправками, без налогов / Средние общие активы с поправками

Чистая операционная прибыль с поправками, без налогов / Средний общий капитал с поправками

Финансовый доход/ (финансовые расходы + чистый расход по формированию резерва на потери по займам + операционные расходы)

Финансовый доход с поправками/ (финансовые расходы + чистый расход по формированию резерва на потери по займам + операционные расходы) с поправками

Финансовый доход с поправками / Средние общие активы с поправками

Чистый операционный доход с поправками / Финансовый доход с поправками

Финансовый доход от портфеля займов с поправками / Средний совокупный портфель займов с поправками

(Доходность совокупного портфеля (номинальная) с поправками – уровень инфляции) / (1 + уровень инфляции)

(Финансовые расходы + чистый расход по формированию резерва на потери по займам + операционные расходы) с поправками / Средние общие активы с поправками

Финансовые расходы с поправками / Средние общие активы с поправками

Чистый расход по формированию резерва на потери по займам с поправками / Средние общие активы с поправками

Операционные расходы с поправками / Средние общие активы с поправками

Расходы на оплату труда с поправками / Средние общие активы с поправками

Административные расходы с поправками / Средние общие активы с поправками

(Unadjusted Net Operating Income - Adjusted Net Operating Income)/ Adjusted Average Total Assets

Операционные расходы с поправками / Средний совокупный портфель займов с поправками

Расходы на оплату труда с поправками / Средний совокупный портфель займов с поправками

Средние расходы на оплату труда с поправками / ВНД на душу нас.

Операционные расходы с поправками / Среднее количество активных заемщиков с поправками

Операционные расходы с поправками / Среднее количество займов с поправками

Количество активных заемщиков с поправками / Количество сотрудников

Количество непогашенных займов с поправками / Количество сотрудников

Количество активных заемщиков с поправками / Количество менеджеров займов

Количество непогашенных займов с поправками / Количество менеджеров займов

Количество добровольных сберегателей / Количество сотрудников

Количество сберегательных счетов / Количество сотрудников

Количество менеджеров займов / Количество сотрудников

Непогашенный остаток займов с просрочкой > 30 дней/ Совокупный портфель займов с поправками

Непогашенный остаток займов с просрочкой > 90 дней/ Совокупный портфель займов с поправками

Стоимость списанных займов / Средний совокупный портфель займов с поправками

Списания с поправками без учета возвратов / Средний совокупный портфель займов с поправками

Резерв на потери по займам с поправками / PAR > 30 дней

Наличные и к получению от банков / Общие активы с поправками

Краткосрочные активы / Краткосрочные обязательства

Примечания к поправкам и однородным группам организаций

Анализ MIX основан на сравнении групп сходных между собой организаций, которые классифицируются на основе таких критериев, как размеры программ, уровень бедности целевой группы, регион и финансовое посредничество. Получаемые данные о финансовых результатах корректируются с помощью поправок для обеспечения сравнимости с учетом инфляции, уровня субсидий и различий в формировании резерва на потери по займам. В настоящем отчете приводится достоверная картина ваших финансовых результатов, а также сравнение с результатами других организаций, подобных вашей.direct copy

Критерии однородной группы и качество информации

Данные о средних значениях по однородной группе не подвергались независимой проверке. Эти данные добровольно предоставлены организациями, подобными вашей. «Класс качества данных» отражает степень нашей уверенности в точности полученных нами данных по каждой однородной группе.direct copy

В «Бюллетене» данные, полученные от организаций, классифицируются в зависимости от наличия независимой проверки достоверности этих данных. Информация помеченная *** получена путем детального финансового анализа независимой третьей стороной - например, рейтинг CAMEL, оценка CGAP или рейтинговая оценка, проведенная каким-либо признанным рейтинговым агентством. Информация с пометкой ** подтверждена документацией - прошедшими аудит финансовыми отчетами, годовыми отчетами, отчетами независимой оценки программ, которые позволяют в разумной степени быть уверенными в точности наших поправок. Информация с пометкой * получена от МФО, которые только заполнили нашу анкету. Эти пометки отражают лишь степень нашей уверенности в достоверности приведенной информации и не имеют отношения к оценке финансовых показателей МФО.direct copy

Ни редколлегия, ни экспертная комиссия, ни MIX не несут ответственности за достоверность приведенной здесь информации.

Краткое описание однородных групп, их состава и количества МФО в каждой группе с указанием класса качества информации для каждой группы приводится на стр. 12. Подробная информация содержится в «MicroБанкing Bulletin».

Поправки

Мы внесли поправки в значение стоимости денежных средств, приведенное в отчетах всех МФО, с учетом влияния инфляции на капитал организации с течением времени. Эта поправка внесена в форме счета чистых расходов в отчет о доходах и снижает заявленную сумму чистого дохода. Она регулируется счетом капитала, который показывает распределение между реальным чистым доходом и воздействием инфляции на капитал. Эта поправка внесена в финансовые результаты всех МФО, кроме тех, которые пользуются общепризнанным методом бухучета с поправками на инфляцию.direct copy

Поправки также были внесены в отчеты большинства МФО о доходах, чтобы отразить реальную прибыль без учета субсидий. Поправка на субсидии с соответствующим изменением стоимости денежных средств была самой распространенной поправкой, внесенной в результаты МФО, участвующих в этом раунде. Мы добавляем дополнительный расход для всех обязательств, процентная ставка по которым значительно ниже «рыночной», чтобы обеспечить сравнимость организаций с разным уровнем субсидий - результаты представлены так, как если бы организации не получали субсидий. Определение «рыночной» ставки представляет значительные трудности. Тем не менее, для целей сравнения самое важное – обеспечить единообразное применение установленного нами правила к результатам всех без исключения организаций. Мы решили использовать в качестве условной величины рыночной процентной ставки сообщаемую микрофинансовыми организациями ставку по вкладам. Пожертвования также не учитываются, и прибыль рассчитывается лишь на основе операционного дохода и расхdirect copy

Мы также применяем стандартную величину резервов на потери и списаний. Мы предусматриваем 50-ный резерв от суммы непогашенного остатка займов с просрочкой более 90 и менее 180 дней либо реструктурированных и 100-процентный резерв от суммы непогашенных займов с просрочкой более 180 дней. Займы с просрочкой более 365 дней полностью списываются.direct copy


Балансовый отчет


Общие обязательства

Общий собственный капитал

Итого обязательства и капитал

Наличные мелкая наличность, остатки на счетах в банках, включая беспроцентные вклады.

Резервы наличных денежных средств в Центробанке

Казначейские векселя (гособлигации) и иные краткосрочные инвестиции, включая процентные вклады с правом обналичивания в течение года. Как правило, используются для управления ликвидностью.

Совокупный портфель займов минус резерв на потери по займам

Непогашенная основная сумма займа по всем клиентским займам, включая текущие, просроченные и реструктурированные займы, но не включает списанные займы. Не включает проценты к получению. Не включает ссуды сотрудникам.

Доля валового портфеля займов, выделенная в качестве резерва на возможные потери вследствие непогашения займов. Этот пункт представляет собой (нарастающим итогом) сумму резервов на потери по займам минус (нарастающим итогом) сумму списанных займов.direct copy

Проценты к получению по всем счетам активов. Учитываются организациями, использующими метод начисления.

Счета к получению, векселя к получению и иные виды дебиторской задолженности. Сюда входит вся дебиторская задолженность помимо клиентских займов, но включая ссуды сотрудникам.

Долгосрочные вложения без права обналичивания в течение года.

Первоначальная стоимость имущества, предприятий и оборудования за вычетом накопленной амортизации. Сюда входят и нематериальные активы - такие как разработка СУИ или хорошая репутация за вычетом накопленной амортизации.

Сумма всех счетов чистых активов

Сумма добровольных и обязательных сбережений

Вклады до востребования, принимаемые от населения в целом и от пайщиков, хранящиеся в организации и не являющиеся условием для получения займа в настоящем или в будущем.

Клиентские сберегательные счета, хранящиеся в организации и являющиеся условием для получения займа в настоящем или в будущем.

Депозитные сертификаты и иные депозиты с фиксированным сроком погашения

Всего заимствований на коммерческой и концессиональной основе

Непогашенная сумма основного долга по заимствованиям, включая счета овердрафт, по которым организация выплачивает номинальную процентную ставку ниже местной коммерческой ставки.

Непогашенная сумма основного долга по заимствованиям, включая счета овердрафт, по которым организация выплачивает номинальную процентную ставку выше или равную местной коммерческой ставке.

Проценты к оплате по всем счетам обязательств. Учитываются организациями, использующими метод начисления.

Другие обязательства, включая обязательства по налогам и заработной плате, социальным отчислениям, отсроченным доходам, другим счетам к оплате, включая обязательства, которые не финансируют портфель - такие как ипотека недвижимости.

Сумма всех счетов обязательств

Капитал, оплаченный пайщиками или членами

Накопленные пожертвования

Накопленные пожертвования прошлых периодов

Пожертвования текущего года

Накопленный чистый доход после налогов и до пожертвований

Накопленный чистый доход после налогов и до пожертвований за прошлые периоды

Чистый доход после налогов и до пожертвований за текущий год

Сумма всех поправок, включая поправку на инфляцию

Значение расхода в связи с поправкой на инфляцию

Значение поправки на субсидированную стоимость денежных средств

Значение поправки на субсидии в натуральной форме

Резервы, формируемые согласно законам или нормативным актам.

Другие счета капитала, не указанные где-либо еще

Сумма всех счетов капитала

Сумма общих обязательств и общего капитала


Чистая финансовая прибыль

Чистая операционная прибыль

Чистая прибыль (до вычета налогов и пожертвований)

Чистый доход (после налогов и до пожертвований)

Чистая прибыль (после налогов и пожертвований)

Общая сумма поступлений от портфеля займов и иных финансовых активов, а также иные финансовые поступления от финансовых услуг.

Общая сумма процентов, платежей и комиссионных по портфелю займов

Проценты полученные по портфелю займов

Штрафы, комиссионные и иные взимаемые платежи по портфелю займов

Чистый доход по другим финансовым активам

Иные доходы от оказания финансовых услуг, включая доход от услуг страхования или перечисления денежных средств или нефинансовый доход от оказания финансовых услуг, например, продажа сберкнижек или смарт-карт. В этот счет также включается чистый доход от обменного курса.direct copy

Общая сумма финансовых расходов по обязательствам, поправка на чистую инфляцию, поправка на стоимость денежных средств и другие расходы на финансовые услуги.

Общая сумма процентов и платежей по вкладам и заемным средствам

Проценты и платежи по вкладам до востребования и срочным вкладам.

Проценты и комиссионные, уплачиваемые по заемным средствам.

Для организаций, использующих бухучет, основанный на инфляции. Чистая сумма поправки на инфляцию.

Расход на поддержание стоимости капитала организации

Увеличение стоимости фиксированных активов за счет инфляции

Поправка на разницу между рыночной и концессионной ставкой по финансовым обязательствам

Иные расходы на оказание финансовых услуг, включая нефинансовые расходы на финансовые продукты, а также чистую амортизацию обменного курса

Финансовые поступления минус финансовые расходы

Сумма расхода по созданию резерва на потери по займам и возврат списанных займов

Расход по созданию резерва на потери по займам за период

Всего возврат по списанным займам

Всего расходы на оплату труда и административные расходы

Зарплаты, удержания, пособия и льготы, а также налоги на фонд заработной платы всех работающих в оорганизации

Всего аренда и коммунальные услуги, транспорт, канцтовары, амортизация и др. административные расходы

Плата за аренду и коммунальные услуги

Поездки сотрудников на транспорте для обслуживания клиентов и ведения деятельности

Печать, расходные материалы, фотокопирование, книги и др.

Резерв на износ и замену оборудования

Другие административные расходы, не связанные с оплатой труда

Финансовые поступления минус финансовые расходы, чистый расход по созданию резерва на потери по займам и операционные расходы

Неоперационные поступления минус неоперационные расходы

Поступления от деятельности, не связанной с основной деятельностью МФО по оказанию финансовых услуг. Сюда может входить доход от услуг консалтинга, продажи продуктов ИТ или услуг по развитию бизнеса (BDS)

Поступления от деятельности, не связанной с основной деятельностью МФО по оказанию финансовых услуг - например, расходы на BDS (оказание услуг по развитию бизнеса) или на консалтинг.

Чистый операционный доход минус чистый неоперационный доход

Includes all taxes paid on Net Income or other measure of profits as defined by local tax authorities.

Чистый доход (до налогов и пожертвований) минус налоги

Пожертвования в пользу МФО на поддержку их деятельности

Net Income (after Taxes and before Donations) plus Donations.

ИНСТИТУЦИОНАЛЬНЫЕ ХАРАКТЕРИСТИКИ

ОДНОРОДНАЯ ГРУППА 1 Peer Group






Африка

Азия

ЕЦА

ЛАК

БВСА

Банк

Кредитный союз

НБФО

НПО

Сельский банк

Все МФО

ПСО

не ПСО

Прибыльная

Некоммерческая

Низк. доход

Широк.

Высок. доход

Малый бизнес

Индивид.

Индивид./ солидарн.

Солидарн.

Village Банкing

Новые

Молодые

Зрелые

Малые (масштаб)

Средние (масштаб)

Крупные (масштаб)

Малые(охват)

Средние (охват)

Крупные (охват)

Не ФП

Низк. ФП

Высок. ФП

Персонифицированный отчет о результатах деятельности

Trends

Классификация групп однородных заемщиков

ОДНОРОДНАЯ ГРУППА

N

КАЧЕСТВО ДАННЫХ †

УЧАСТВУЮЩ. ОРГАНИЗАЦИИ

Регион: Африка Region: Africa

Регион: Азия Region: Asia

Регион: ЕЦА Region: ECA

Регион: ЛАК Region: LAC

Регион: БВСА Region: MENA

Орг-правовая форма: Банк Charter Type: Bank

Орг-правовая форма: Кредитный союз Charter Type: Credit Union

Орг-правовая форма: НБФО Charter Type: NBFI

Орг-правовая форма: НПО Charter Type: NGO

Орг-правовая форма: Сельский банк Charter Type: Rural Bank

Все МФО

Самоокупаемость: ПСО Sustainability:FSS

Самоокупаемость: не ПСО Sustainability:Non-FSS

Прибыльность: Прибыльная Profit Status: Profit

Прибыльность: Некоммерческая Profit Status: Not for Profit

Целевой рынок: Низк. доход Target Market:Low End

Целевой рынок: Широк. Target Market:Broad

Целевой рынок: Высок. доход Target Market:High End

Целевой рынок: Малый бизнес Target Market:Small Business

Технология: Индивид. Methodology: Individual

Технология: Индивид./ солидарн. Methodology: Individual/ Solidarity

Технология: Солидарн. Methodology: Solidarity

Технология: Village Банкing Methodology: Village Banking

Возраст: Новые Age: New

Возраст: Молодые Age: Young

Возраст: Зрелые Age: Mature

Масштаб: Малые Scale Small

Масштаб: Средние Scale Medium

Масштаб: Крупные Scale Large

Охват: Малые Outreach Small

Охват: Средние Outreach Medium

Охват: Крупные Outreach Large

Финансовое посредничество: Не ФП Financial IntermediationNon FI

Финансовое посредничество: Низк. ФП Financial IntermediationLow FI

Финансовое посредничество: Высок. ФП Financial IntermediationHigh FI

[Конфиденциальная информация]

† В «MicroБанкing Bulletin» используется следующая система классификации информации, полученной от МФО:

*** Информация подкреплена подробным финансовым анализом, проведенном в течение последних трех лет независимой организацией.

** Анкета MBB плюс финансовые отчеты, прошедшие аудиторскую проверку, годовые отчеты и другие данные независимой оценки

* Анкета MBB или финансовые отчеты, прошедшие аудиторскую проверку, но без дополнительной документации


(2006 г.)

Данные бенчмаркинга по регионам

Данные бенчмаркинга - орг-правов. форма

Данные бенчмаркинга – Самоокупаемость и прибыльность

Данные бенчмаркинга – целевой рынок

Данные бенчмаркинга – технология

Данные бенчмаркинга – возраст и масштабы

Данные бенчмаркинга – охват и посредничество

Notes

(Африка к югу от Сахары)

(Юго-Восточная Азия)

(Восточная Европа и Цент. Азия)

(Латинская Америка и Карибы)

(Ближний Восток и Северная Африка)

(Банк)

(Кредитный союз)

(Небанковский финансовый посредник)

(Сельский банк)

(Неправительственная организация)

(Финансовая самоокупаемость > 100%)

(Финансовая самоокупаемость < 100%)

(Средний непогашенный остаток на заемщика / ВНД на душу нас.< 20% и Ср. неп. ост. на заемщ. < 150 дол. США)

(Средний непогашенный остаток на заемщика / ВНД на душу нас. ≥ 20% и ≤ 150%)

(Средний непогашенный остаток на заемщика / ВНД на душу нас. > 150% и ≤ 250%)

(Средний непогашенный остаток на заемщика / ВНД на душу нас.> 250%)

(Индивид. и солидарн. или индивид., солидарн. и Village Банкing)

(0 – 4 года)

(5 – 8 лет)

( > 8 лет)

(СПЗ в дол. США, ЛАК < 4 000 000;Другие<2 000 000

(СПЗ в дол. США,ЛАК ≥ 4 000 000 и ≤ 15 000 000;Другие ≥ 2 000 000 и ≤ 8 000 000

(СПЗ в дол. США, ЛАК > 15 000 000;Другие>8 000 000

(Число заемщиков < 10 000)

(Число заемщиков ≥ 10 000 и ≤ 30 000)

(Число заемщиков > 30 000)

(сбережения / Общие активы = 0)

(сбережения / Общие активы > 0 и < 20%)

(сбережения / Общие активы ≥ 20%)

СОКРАЩЕНИЕ

НАЗВАНИЕ

Страна

КАЧЕСТВО ДАННЫХ

Год:

Кол-во заемщиков

УЧАСТВУЮЩ. ОРГАНИЗАЦИИ

Информация о MIX

«MicroBanking Bulletin» и сравнительные показатели

«MicroBanking Bulletin» (MBB) – один из главных продуктов, выпускаемых MIX. MBB призван улучшить финансовые показатели микрофинансовых организаций (МФО) путем публикации и распространения финансовых и операционных результатов по всей отрасли. Мы собираем информацию о финансовых показателях МФО всего мира, приводим к единой форме и сравниваем. MBB публикуется дважды в год, распространяя результаты этого сравнительного анализа. Участвующие организации представляют данные о своей деятельности на добровольной основе и, , получают персонифицированные отчеты о результатах деятельности, который сравнивает свои показатели с результатами других организаций, подобных вашей. Все эти данные являются строго конфиденциальными.direct copy

Персонифицированные отчеты о результатах деятельности и «MicroBanking Bulletin»

МФО, которые предоставляют свои данные в "MicroBanking Bulletin", бесплатно получают Персонифицированный отчет о результатах деятельности. «MicroBanking Bulletin» (MBB) – один из главных продуктов, выпускаемых MIX. MBB призван улучшить финансовые показатели микрофинансовых организаций (МФО) путем публикации и распространения финансовых результатов по всей отрасли. Мы собираем информацию о финансовых показателях МФО всего мира, приводим к единой форме и сравниваем. MBB публикуется дважды в год, распространяя результаты этого сравнительного анализа. Участвующие организации представляют данные о своей деятельности на добровольной основе, и все эти данные являются строго конфиденциальными.direct copy

e-mail: [email protected]

Интернет: www.themix.org


The Microfinance Information Exchange, Inc. - некоммерческая компания, целью которой является совершенствование информационной инфраструктуры микрофинансового сектора развивающихся стран путем продвижения стандартов финансовой и операционной отчетности, распространения широкодоступной информации и оказания специализированных информационных услуг. Дополнительную информацию см. на сайте www.themix.org.direct copy

MIX América LatinaJr. León Velarde 333, Lima 14, Perú | Tel: +51 1 471 9526 or 472-5988MIX West AfricaBP 23035 Dakar, Sénégal | Tel/Fax : +221 820 55 07

1901 Pennsylvania Avenue NW

Suite 307

Washington DC 20006

Телефон: +1 (202) 659 9094

Факс: +1 (202) 659 9095

This document were produced with the help of:

Названия графиков

Структура финансов и активов

Показатель капитал / активы (МФО)

Совокупный портфель займов / общие активы (МФО)

Показатель капитал / активы (группа)

Совокупный портфель займов / общие активы (группа)

Кол-во заемщиков и совокупный портфель займов с поправками

Число активных заемщиков


Число активных заемщиков (МФО)

Совокупный портфель займов (МФО)

Число активных заемщиков (группа)

Совокупный портфель займов (группа)

Доходность активов с поправками (МФО – все участники)

Доходность активов по компонентам

Поступления

Operating Expense Ratio

Коэфф. расхода по созд. резерва на потери по займам .

Financial Expense Ratio

Financial Revenue Ratio

Доходн. портфеля и использ. активов

Доходность совокупн. портфеля займов (МФО)

Совокупный портфель займов / общие активы (МФО)

Доходность совокупн. портфеля займов (группа)

Совокупный портфель займов / общие активы (группа)

Распределение расходов (МФО – группа)

Коэфф. финанс. расх. с поправк.

Коэфф. расх. на резерв с поправками

Коэфф. расх. на оплату труда с поправк.

Коэфф. адм. расх. с поправк.

Эффективность: две точки зрения

Эффективность и производительность

Операционные расходы / ПЗ


Стоим. на заемщ. - дол. США

Операционные расходы / портфель займов (МФО)

Операционные расходы / портфель займов (группа)

Стоим. на заемщ. - дол. США (МФО)

Стоим. на заемщ. - дол. США (группа)

Качество портфеля

Риск портфеля свыше 30 дней (МФО)

Коэффициент списания (МФО)

Риск портфеля свыше 30 дней (группа)

Коэфф. списания (группа)

Обслужили клиентов

Портфель займов и поступления

Эффективность и стоимость для клиента

Средн. 50%

МФО

Группа

Язык

Таблицы

Показатели

Значения

(Нажмите на ссылку ниже)

Определения

О нас

Средн.

Медиан.

Стандартн. отклонение

Минимум

Максимум

Количество

MIX Бенчмаркинг – 2009 год

Общий обзор поправок

Примеч.: эта МФО использует метод бухучета с поправкой на инфляцию

Да

Нет.

(Африка, ВПЗ > 8 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)

(Африка, ВПЗ > 8 000 000 дол.; Добровольные сбережения / Общие активы < 20%)

(Африка, СПЗ ≥ 2 000,000 дол. и ≤ 8 000 000;Добровольные сбережения / Общие активы ≥ 20%

(Африка, СПЗ ≥ 2 000,000 и ≤ 8 000 000 дол.;Добровольные сбережения / Общие активы<20%

(Африка, СПЗ < 2 000,000 дол.)

(Африка, СПЗ < 2 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)

(Африка, СПЗ < 2 000 000 дол.; Добровольные сбережения / Общие активы < 20%)

(Африка; СПЗ < 2 000 000 дол.; Средн. непогаш. остаток на заемщ. / ВНД на душу нас. < 20% и Ср. неп. ост. на заемщ. < 150 дол. США)

(Африка; СПЗ < 2 000 000 дол.; Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и Ср. неп. ост. на заемщ. ≥ 150 дол. США)

(Азия; ВПЗ > 8 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)

(Азия; ВПЗ > 8 000 000 дол.; Добровольные сбережения / Общие активы < 20%)

(Азия; СПЗ ≥ 2 000,000 и ≤ 8 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)

(Азия; СПЗ ≥ 2 000,000 и ≤ 8 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)

(Азия; СПЗ < 2 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)

(Азия; СПЗ < 2 000,000 дол.)

(Азия; СПЗ < 2 000 000 дол.; Добровольные сбережения / Общие активы < 20%)

(ЕЦА; Средн. непогаш. остаток на заемщ. / ВНД на душу нас.> 150% и ≤ 250%)

(ЕЦА; ВПЗ > 8 000 000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и ≤ 150%)

(ЕЦА; СПЗ ≥ 2 000,000 и ≤ 8 000 000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и ≤ 150%)

(ЕЦА; СПЗ < 2 000 000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и ≤ 150%)

(ЕЦА; СПЗ < 2 000,000 дол.)

(ЕЦА; СПЗ < 2 000 000 дол.; Средн. непогаш. остаток на заемщ. / ВНД на душу нас. < 20% и Ср. неп. ост. на заемщ. < 150 дол. США)

(ЕЦА; СПЗ < 8 000 000 дол.; Добровольные сбережения / Общие активы > 0 и < 20%)

(ЕЦА; СПЗ < 8 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)

(ЕЦА; ВПЗ ≥ 2,000,000 и ≤ 8,000,000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. > 150%)

(ЕЦА; ВПЗ ≥ 2,000,000 и ≤ 8,000,000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≤ 150%)

(ЕЦА; ВПЗ < 2,000,000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и ≤ 250%)

(ЛАК; ВПЗ > 15 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)

(ЛАК; СПЗ > 15 000 000 дол.; Добровольные сбережения / Общие активы < 20%)

(ЛАК; СПЗ ≥ 4 000,000 и ≤ 15 000 000 дол.; Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и ≤ 150%)

(ЛАК; СПЗ ≥ 4 000,000 и ≤ 15 000 000 дол.; Средн. непогаш. остаток на заемщ. / ВНД на душу нас. < 20% и Ср. неп. ост. на заемщ. < 150 дол. США)

(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%)

(ЛАК; СПЗ < 4 000 000 дол.;Средн. непогаш. остаток на заемщ. / ВНД на душу нас.≥ 20% и ≤ 150%

(ЛАК; СПЗ < 4 000 000 дол.;Средн. непогаш. остаток на заемщ. / ВНД на душу нас.<20% и Ср. неп. ост. на заемщ. < 150 дол. США

(БВСА; СПЗ > 8 000,000 дол.)

(БВСА; СПЗ ≥ 2 000,000 и ≤ 8 000,000 дол.)

(БВСА; СПЗ < 2 000,000 дол.)

(Африка; СПЗ > $8,000,000; Финансовая самоокупаемость > 100%)

(Африка; СПЗ > $8,000,000; Финансовая самоокупаемость < 100%)

(Африка; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость > 100%)

(Африка; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость < 100%)

(Африка; СПЗ < $2,000,000; Финансовая самоокупаемость > 100%)

(Африка; СПЗ < $2,000,000; Финансовая самоокупаемость < 100%)

(Азия; СПЗ > $8,000,000; Финансовая самоокупаемость > 100%)

(Азия; СПЗ > $8,000,000; Финансовая самоокупаемость < 100%)

(Азия; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость > 100%)

(Азия; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость < 100%)

(Азия; СПЗ < $2,000,000; Финансовая самоокупаемость > 100%)

(Азия; СПЗ < $2,000,000; Финансовая самоокупаемость < 100%)

(ЕЦА; СПЗ > $8,000,000; Финансовая самоокупаемость > 100%)

(ЕЦА; СПЗ > $8,000,000; Финансовая самоокупаемость < 100%)

(ЕЦА; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость > 100%)

(ЕЦА; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость < 100%)

(ЕЦА; СПЗ < $2,000,000; Финансовая самоокупаемость > 100%)

(ЕЦА; СПЗ < $2,000,000; Финансовая самоокупаемость < 100%)

(ЛАК; СПЗ > $15,000,000; Финансовая самоокупаемость > 100%)

(ЛАК; СПЗ > $15,000,000; Финансовая самоокупаемость < 100%)

(ЛАК; СПЗ ≥ $4,000,000 and ≤ $15,000,000; Финансовая самоокупаемость > 100%)

(ЛАК; СПЗ ≥ $4,000,000 and ≤ $15,000,000; Финансовая самоокупаемость < 100%)

(ЛАК; СПЗ < $4,000,000; Финансовая самоокупаемость > 100%)

(ЛАК; СПЗ < $4,000,000; Финансовая самоокупаемость < 100%)

ПРОСТЫЕ ОДНОРОДНЫЕ ГРУППЫ

СОСТАВНЫЕ ОДНОРОДН. ГРУППЫ

Африка Africa

Африка Крупные ФП Africa Large FI

Африка Крупные ПСО Africa Large FSS

Африка Крупные Не ФП Africa Large Non FI

Африка Крупные Non FSS Africa Large Non FSS

Африка Средние ФП Africa Medium FI

Африка Средние ПСО Africa Medium FSS

Африка Средние Не ФП Africa Medium Non FI

Африка Средние Non FSS Africa Medium Non FSS

Африка Малые Широк. Africa Small Broad

Африка Малые ФП Africa Small FI

Африка Малые ПСО Africa Small FSS

Африка Малые Low Africa Small Low

Африка Малые Не ФП Africa Small Non FI

Африка Малые Non FSS Africa Small Non FSS

Все МФО

Азия Asia

Азия Крупные ФП Asia Large FI




Азия Средние ФП Asia Medium FI

Азия Средние ПСО Asia Medium FSS

Азия Средние Не ФП Asia Medium Non FI

Азия Средние Non FSS Asia Medium Non FSS

Азия Малые Asia Small

Азия Малые ФП Asia Small FI

Азия Малые ПСО Asia Small FSS

Азия Малые Не ФП Asia Small Non FI

Азия Малые Non FSS Asia Small Non FSS

Банк

Широк.

Кредитный союз

ЕЦА ECA

ЕЦА Высок. доход ECA High End

ЕЦА Крупные ECA Large

ЕЦА Крупные ФП ECA Large FI

ЕЦА Крупные ПСО ECA Large FSS

ЕЦА Крупные Не ФП ECA Large Non FI

ЕЦА Крупные Non FSS ECA Large Non FSS

ЕЦА Средние Широк. ECA Medium Broad

ЕЦА Средние ПСО ECA Medium FSS

ЕЦА Средние High ECA Medium High SME

ЕЦА Средние Low ECA Medium Low Broad

ЕЦА Средние Non FSS ECA Medium Non FSS

ЕЦА Малые Широк. ECA Small Broad

ЕЦА Малые Широк. ECA Small Broad High

ЕЦА Малые ПСО ECA Small FSS

ЕЦА Малые Low ECA Small Low

ЕЦА Малые Non FSS ECA Small Non FSS

Con Fines de Lucro

ПСО

Высок. доход

Высок. ФП

Индивид.

Индивид./ солидарн.

ЛАК LAC

ЛАК Крупные ФП LAC Large FI

ЛАК Крупные ПСО LAC Large FSS

ЛАК Крупные Не ФП LAC Large Non FI

ЛАК Крупные Non FSS LAC Large Non FSS

ЛАК Средние Широк. LAC Medium Broad

ЛАК Средние ФП LAC Medium FI

ЛАК Средние ПСО LAC Medium FSS

ЛАК Средние Low LAC Medium Low

ЛАК Средние Не ФП LAC Medium Non FI

ЛАК Малые Non FSS LAC Small Non FSS

ЛАК Малые Широк. LAC Small Broad

ЛАК Малые ПСО LAC Small FSS

ЛАК Малые Low LAC Small Low

ЛАК Малые Non FSS LAC Small Non FSS

Крупные (охват)

Крупные (масштаб)

Низк. доход

Низк. ФП

Зрелые

Средние (охват)

Средние (масштаб)

БВСА MENA

БВСА Крупные MENA Large

БВСА Средние MENA Medium

БВСА Малые MENA Small

НБФО

Новые

НПО

Не ФП

не ПСО

Некоммерческая

Сельский банк

Малый бизнес

Малые(охват)

Малые (масштаб)

Солидарн.

Village Банкing

Молодые


User’s 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 institution’s 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 institution’s 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 institution’s assets and equity. Sustainability measures the extent to which these returns cover total expenses.direct copy

ДОХОДЫ

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

РАСХОДЫ

An MFI’s 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

ПРОИЗВОДИТЕЛЬНОСТЬ

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

РИСК И ЛИКВИДНОСТЬ

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 MFI’s most important asset, such risk directly impacts its revenues and generates additional costs due to loss. Portfolio quality will determine the institution’s 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

Возраст

Орг-правовая форма:

Финансовое посредничество:

Технология:

Охват:

Статус прибыльности

Регион:

Масштаб:

Самоокупаемость:

Целевой рынок:

Для определения однородных групп, мы вас отсылаем к разделу «Классификация однородных групп» этой таблице

Для подробной информации определения показателей, мы вас отсылаем к разделу «Определения показателей» этой таблице

"n/a" значит что однородная группа имеет меньше трѐх члена

Африка Малые Africa Small

ЕЦА Малые ECA Small

ЛАК Средние LAC Medium FI

ЛАК Средние Не ФП LAC Medium Non FI

НачинатьВ этой электронной таблице представляется сравнительные данные о результатах деятельности микрофинансовых институции всего мира. Это сравнительный анализ основан на сравнении групп сходных между собой организаций, которые классифицируются на основе таких критериев, как регион или масштаб. Нажмите на любую ссылку ниже чтобы исследовать результаты деятельности этих однородных групп в данной области: охват, структура финансирования, прибыльность, производительность и риск.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

Эффект: Увеличивает финансовые расходы, снижает чистый операционный доход, чистый доход (Примечание: Если основные средства превышают сумму капитала, финансовые расходы сокращаются, увеличивая чистый операционный доход, чистый доход).

Эффект: снижает чистый портфель займов и увеличивает чистый расход по созданию резерва на потери по займам, если резерв на потери по займам не достаточен для покрытия поправок на формирование резервов и на списания.

Краткое описание однородных групп, их состава и количества МФО в каждой группе с указанием класса качества информации для каждой группы приводится на стр. 12. Подробная информация содержится в «MicroБанкing Bulletin».

Казначейские векселя (гособлигации) и иные краткосрочные инвестиции, включая процентные вклады с правом обналичивания в течение года. Как правило, используются для управления ликвидностью.

Непогашенная основная сумма займа по всем клиентским займам, включая текущие, просроченные и реструктурированные займы, но не включает списанные займы. Не включает проценты к получению. Не включает ссуды сотрудникам.

Счета к получению, векселя к получению и иные виды дебиторской задолженности. Сюда входит вся дебиторская задолженность помимо клиентских займов, но включая ссуды сотрудникам.

Первоначальная стоимость имущества, предприятий и оборудования за вычетом накопленной амортизации. Сюда входят и нематериальные активы - такие как разработка СУИ или хорошая репутация за вычетом накопленной амортизации.

Вклады до востребования, принимаемые от населения в целом и от пайщиков, хранящиеся в организации и не являющиеся условием для получения займа в настоящем или в будущем.

Непогашенная сумма основного долга по заимствованиям, включая счета овердрафт, по которым организация выплачивает номинальную процентную ставку ниже местной коммерческой ставки.

Непогашенная сумма основного долга по заимствованиям, включая счета овердрафт, по которым организация выплачивает номинальную процентную ставку выше или равную местной коммерческой ставке.

Другие обязательства, включая обязательства по налогам и заработной плате, социальным отчислениям, отсроченным доходам, другим счетам к оплате, включая обязательства, которые не финансируют портфель - такие как ипотека недвижимости.

Общая сумма финансовых расходов по обязательствам, поправка на чистую инфляцию, поправка на стоимость денежных средств и другие расходы на финансовые услуги.

Поступления от деятельности, не связанной с основной деятельностью МФО по оказанию финансовых услуг. Сюда может входить доход от услуг консалтинга, продажи продуктов ИТ или услуг по развитию бизнеса (BDS)

Поступления от деятельности, не связанной с основной деятельностью МФО по оказанию финансовых услуг - например, расходы на BDS (оказание услуг по развитию бизнеса) или на консалтинг.

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 التعدٌالت 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 تعدٌل التضخم #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 نفقة الفائدة والرسوم على اإلقتراضات #N/A

Loan Loss Provision * نفقة مخصص فقدان القرض 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 معدات مكتب #N/A

Other أخرى #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 إستئجار ومرافق #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 اإلجمالً TOTAL

Transportation مواصالت 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 - DefinitionsAnnual 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 أسالٌب المحاسبة #N/A

Can your institution break out outstanding liabilities between short term and long term?هل تستطٌع مؤسستك تقسٌم المطلوبات القائمة إلى مطلوبات قصٌرة األمد ومطلوبات طوٌلة األمد؟ #N/A

Can your institution break out total assets between short term assets and long term assets?األصول إلى موجودات قصٌرة األمد وموجودات طوٌلة األمد؟/ هل تستطٌع مؤسستك تقسٌم إجمالً الموجودات #N/A

Describe any reserve accounts listed under equity on the Balance Sheetصف أي حسابات احتٌاطً مدرجة تحت حقوق الملكٌة فً المٌزانٌة العمومٌة #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?أو فً المعلومات المالٌة التً عرضتها لإلستخدام، إذا كان األمر كذلك، كٌف تقوم بهذا؟/ هل تعدل مؤسستك لتأثٌرات التضخم فً قوائمها المالٌة المدققة و #N/A

Does your institution use cash or accrual accounting? Which accounts are treated on each basis?هل تستخدم المؤسسة النقد أو المحاسبة على أساس اإلستحقاق؟ ما هً الحسابات التً تعالج على كل أساس؟ #N/A

Accounting Methods - definitionsSeparation 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? ضع إشارة تأكٌد أو نفً #N/A

Final check الفحص النهائً #N/A

Notes مالحظات #N/A

Please check - the number of loans does not equal that listed in the 'Products and Clients' sectionالمنتجات والزبائن"مختلف عن عدد القروض القائمة المدرج فً " محفظة القروض"عدد القروض القائمة المدرج فً --الرجاء مالحظة" #N/A

Please check - this does not equal the borrowings listed on your Balance Sheet المبلغ مختلف عن إجمالً اإلقتراضات فً المٌزانٌة العمومٌة- الرجاء مالحظة #N/A

Please check - this does not equal the LLPE on the Income Statementعدد مختلف عن العدد المدرج فً قائمة الدخل--الرجاء مالحظة #N/A

Please check - this does not equal the LLR on the Balance Sheetعدد مختلف عن العدد المدرج فً المٌزانٌة العمومٌة--الرجاء مالحظة #N/A

Please check - this information is not consistent with the difference in personnel between this year and lastتضارب مع بٌانات سابقة--الرجاء مالحظة #N/A

Please check - this information is not consistent with the personnel information entered in the Income Statementهذه المعلومات التنطبق مع معلومات الموظفٌن المدخلة فً قائمة الدخل- - الرجاء مالحظة #N/A

Please check - this is different from GLP on Balance Sheet(مختلف عن إجمالً محفظة القروض )مبلغ(قٌمة --الرجاء مالحظةGLP( المدرج فً المٌزانٌة العمومٌة #N/A

Please check - this is not entirely consistent with above informationتضارب مع بٌانات سابقة--الرجاء مالحظة #N/A

Please check - Total Assets do not equal Total Liabilities and Equity األصول ال ٌساوي إجمالً المطلوبات وحقوق الملكٌة/ فً المٌزانٌة العمومٌة إجمالً الموجودات- الرجاء مالحظة #N/A

Please check - voluntary savings appear on the Balance Sheet but you have not listed voluntary savings clients المنتجات والزبائن"فً المٌزانٌة العمومٌة ولكن لم ٌتم إدراج زبائن للتوفٌرات اإلختٌارٌة فً )الطوعٌة(اإلختٌارٌة )اإلدخارات(تظهر التوفٌرات - الرجاء مالحظة" #N/A

Please check - you have listed voluntary savings clients but no voluntary savings appears on the Balance Sheet تم وضع زبائن التوفٌرات اإلختٌارٌة ولكن ال ٌوجد توفٌرات إختٌارٌة فً المٌزانٌة العمومٌة- الرجاء مالحظة #N/A

Please check - your total clients exceed the sum of savers, borrowers and other product clientsإجمالً عدد الزبائن ٌتخطى إجمالً عدد الموفرٌن و المقترضٌن و زبائن المنتجات األخرى--الرجاء مالحظة #N/A

Potential Inconsistency التضارب المحتمل #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 Statementمعدل رواتب الموظفٌن ال ٌتسق مع عدد الموظفٌن المدرجٌن فً الهٌكلٌة ونفقة التوظٌف المدرجة فً قائمة الدخل #N/A

The difference between current and previous years' personnel is not consistent with personnel who have been hired and who have leftالفرق بٌن عدد الموظفٌن فً السنة الحالٌة والسنة السابقة ال ٌتسق مع عدد الموظفٌن الذٌن غادروا والذٌن تم تعٌٌنهم #N/A

The GLP listed on the Portfolio Report is different from GLP on the Balance Sheet إجمالً محفظة القروض)GLP( المدرج فً تقرٌر المحفظة مختلف عن إجمالً محفظة القروض)GLP( المدرج فً المٌزانٌة العمومٌة #N/A

The LLPE listed on the Portfolio Report is different from the LLPE on the Income Statement نفقة مخصص فقدان القروض)LLPE( المدرجة فً تقرٌر المحفظة مختلفة عن نفقة مخصص فقدان القروض)LLPE( المدرجة فً قائمة الدخل #N/A

The LLR listed on the Portfolio Report is different from LLR on the Balance Sheet إحتٌاطً فقدان القروض)LLR( المدرج فً تقرٌر المحفظة مختلف عن إحتٌاطً فقدان القروض)LLR( المدرج فً المٌزانٌة العمومٌة #N/A

The number of outstanding loans listed in 'Portfolio Report' is different from the number of outstanding loans listed in 'Products and Clients' ًالمنتجات والزبائن"مختلف عن عدد القروض القائمة المدرج فً " محفظة القروض"عدد القروض القائمة المدرج ف" #N/A

The number of total clients exceeds the sum of savers, borrowers and other product clientsإجمالً عدد الزبائن ٌتخطى إجمالً عدد الموفرٌن و المقترضٌن و زبائن المنتجات األخرى #N/A

The total borrowings listed on Liabilities Analysis is different from the total borrowings listed on the Balance Sheetإجمالً اإلقتراضات المدرجة فً تحلٌل المطلوبات مختلفة عن إجمالً اإلقتراضات فً المٌزانٌة العمومٌة #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] احتٌاطً فقدان القروض للسنة الحالٌة- نفقة مخصص فقدان القروض للسنة الحالٌة + احتٌاطً فقدان القروض للسنة الماضٌة (المدرج فً تقرٌر المحفظة ال ٌساوي )المشطوب/ الفاقد(المعدم( #N/A

Total Assets do not equal Total Liabilities and Equity on Balance Sheetاألصول ال ٌساوي إجمالً المطلوبات وحقوق الملكٌة/ فً المٌزانٌة العمومٌة إجمالً الموجودات #N/A

Voluntary savings appear on the Balance Sheet but no voluntary savings clients have been listed in 'Products and Clients' المنتجات والزبائن"فً المٌزانٌة العمومٌة ولكن لم ٌتم إدراج زبائن للتوفٌرات اإلختٌارٌة فً )الطوعٌة(اإلختٌارٌة )اإلدخارات(تظهر التوفٌرات" #N/A

Voluntary savings clients have been listed but no voluntary savings appears on the Balance Sheetتم وضع زبائن التوفٌرات اإلختٌارٌة ولكن ال ٌوجد توفٌرات إختٌارٌة فً المٌزانٌة العمومٌة #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 العملة #N/A

End (dd/mm/yyyy) )السنة/ الشهر/ الٌوم(النهاٌة #N/A

Exchange rate العملة )صرف(سعر تحوٌل Nilai Tukar

Financial Year Ending: #N/A #N/A

Fiscal Year to be analyzed السنة المالٌة التً سٌتم تحلٌلها #N/A

General Information مقدمة #N/A

Name of MFI أسم مؤسسة التموٌل األصغر #N/A

No ال #N/A

Start (dd/mm/yyyy) )السنة/ الشهر/ االٌوم(البداٌة #N/A

Unit of currency وحدة العملة #N/A

Yes نعم 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) أي ٌجب أن تجمع ساعات الدوام الجزئً لهذه الوظٌفة وتجد ما ٌعادلها من موظفٌن بوظٌفة كاملة(ٌجب أن تدرج كل الوظائف على أساس دوام كامل( #N/A

Average annual salary and benefits per staff member - all staff (expressed in currency described in General Information)معبر عنها بالعملة المدرجة فً المعلومات العامة(لكل الموظفٌن - معدل الراتب والمنافع السنوٌة لكل موظف( #N/A

Branch office مكتب الفرع #N/A

Do these figures represent all the people who contribute to your operations, including volunteers, part time, and full time staff?هل تمثل األرقام كل األشخاص الذٌن ٌساهمون بعملٌاتك بما فٌهم المتطوعٌن، والذٌن ٌداومون دوام جزئً والموظفٌن بدوام كامل؟ #N/A

Head Office المكتب الرئٌسً Kantor Pusat

How many offices? ما هو عدد المكاتب؟ #N/A

How many staff does the MFI have at each level of infrastructure?ما هو عدد الموظفٌن على كل مستوى من مستوٌات هٌكلٌة مؤسسة التموٌل األصغر؟ #N/A

Infrastructure البنٌة التحتٌة #N/A

Large cities المدن الكبرى #N/A

Number of front-office staff (staff who have direct contact with clients), year-end ًفً نهاٌة السنة)الموظفٌن الذٌن لهم عالقة مباشرة مع الزبائن(عدد موظفً المكتب األمام ، #N/A

Number of staff hired during the year عدد الموظفٌن الذٌن تم تعٌٌنهم خالل السنة #N/A

Number of staff who have left during year عدد الموظفٌن الذٌن غادروا خالل السنة #N/A

Number of staff, year-end عدد الموظفٌن، فً نهاٌة السنة #N/A

Percentage of (annual budget for staff training/operating expenses) النفقات التشغٌلٌة/ المٌزانٌة السنوٌة لتدرٌب الموظفٌن(نسبة( #N/A

Percentage of total clients in each location نسبة إجمالً الزبائن فً كل موقع؟ #N/A

Please provide information on staffing and personnelٌرجى تقدٌم معلومات عن التوظٌف والموظفٌن #N/A

Regional office level مستوى المكتب اإلقلٌمً #N/A

Rural القرى #N/A

Small cities/Towns البلدات/ المدن الصغرى #N/A

Structure البنٌة #N/A

Sub-branch (unit level) مكتب الفرع #N/A

In-kind Subsidies Category الفئة #N/A

Check this box if the institution receives no in-kind subsidiesتبرعات عٌنٌة/ ضع إشارة على هذا المربع إذا كانت المؤسسة لم تحصل على أي منح #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.)? ؟).مثالً مكتب، أجهزة كمبٌوتر، وسائل مواصالت، إلخ(هل تستخدم مؤسستك أٌة أمالك أو معدات خاصة بجهة أخرى ولٌست مدرجة فً قوائمك المالٌة #N/A

How it was used كٌف اسُتخدمت #N/A

If 'yes', please explain to us what function they performed and how they contributed to your operationsإذا كانت اإلجابة نعم، نرجو أن توضح لنا ما هً المهمة التً ٌؤدونها وكٌف ٌساهموا فً عملٌاتك؟ #N/A

If yes, please explain what category this property/equipment would fall under, its value to the institution, and how it was usedالمعدات، وقٌمتها للمؤسسة، وكٌف استخدمت؟/ إذا كانت اإلجابة نعم، ٌرجى أن توضح تحت أي بند تدرج هذه األمالك #N/A

In-kind subsidies المنح العٌنٌة Subsidi berbentuk barang


Operational subsidy analysis التبرعات التشغٌلٌة/ تحلٌل المنح #N/A

Other أخرى #N/A

Please read through the following questions to determine if your institution received any operational (in-kind) subsidy this fiscal year فً هذه السنة المالٌة )عٌنٌة(رجاءاً، إقرأ األسئلة التالٌة لتحدٌد ما إذا كانت مؤسستك قد تلقت أي منحة تشغٌلٌة #N/A



Value of subsidy/donation to the institution قٌمة المنحة المقدمة للمؤسسة #N/A

Were any managerial or operational personnel paid by donor funds that are not included in your Income Statement? ولم ٌتم إدراجها فً قائمة الدخل؟ )الممول(هل هناك أي موظفٌن إدارٌٌن أو تشغٌلٌن ٌتلقون رواتبهم من المانح #N/A

What was the amount of their salaries during the fiscal year endedًما هً قٌمة رواتبهم خالل السنة المالٌة المنتهٌة ف #N/A

Institutional Contact InformationAddress العنوان #N/A

City, State/Province, Postal Code المقاطعة، الرمز البرٌدي/ المدٌنة، الوالٌة #N/A

Contact Person #N/A #N/A

Country الدولة #N/A

Direct Phone (Direct phone numbers only) #N/A #N/A

Email البرٌد اإللكترونً #N/A

Fax الفاكس #N/A

First name #N/A #N/A

INSTITUTIONAL CONTACT INFORMATION معلومات اإلتصال بالمؤسسة #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.) المسؤول التنفٌذي، المدٌر التنفٌذي، الخ(أسم ومسمى رئٌس مؤسسة التموٌل األصغر( #N/A

Name and title of person filling out questionnaireأسم ومسمى الشخص الذي عبأ هذا اإلستطالع #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 الهاتف #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 الموقع اإللكترونً #N/A

Zip code #N/A #N/A

Institutional PresentationAffiliations #N/A #N/A

Bank بنك #N/A

Credit Union/Cooperative البنك الرٌفً #N/A

Current legal status #N/A #N/A

Describe the main challenges of the institutionصف التحدٌات الرئٌسٌة التً تواجهها المؤسسة #N/A

Describe the mission of the institution صف رسالة المؤسسة #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 حدد أي نوع آخر للعضوٌة #N/A

If Yes, approximately what percentage of operations does microfinance comprise?#N/A #N/A

If yes, by whom is it regulated? ؟)اإلشراف علٌها(إذا كانت اإلجابة نعم، من ٌقوم بتنظٌمها #N/A

If Yes, what other services does the it provide? #N/A #N/A

Institutional charter الوضع القانونً أو التشرٌعً #N/A

INSTITUTIONAL PRESENTATION تعرٌف بالمؤسسة #N/A

Investment Opportunities #N/A #N/A

Is the institution regulated? ؟)مشرف علٌها(هل المؤسسة منظمة #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 ال #N/A

Non Governmental Organization (NGO) وسٌط مالً غٌر بنكً أو غٌر رسمً #N/A

Non-Bank Financial Intermediary اتحاد ائتمانً #N/A

Non-profit غٌر هادف للربح #N/A

Organization #N/A #N/A

Other أخرى #N/A

Ownership composition هٌكلٌة الملكٌة #N/A

Please describe the type, frequency and extent of supervision received by the institution, if any ومدى اإلشراف الذي تتلقاه المؤسسة، إن وجد )كل متى(ٌرجى وصف نوع وتردد #N/A

-Please select- إختر #N/A

Profit هادف للربح #N/A

Profit Status هادف للربح #N/A

Rater Affiliation #N/A #N/A

Regulated #N/A #N/A

Select Alliances إخترالتحالفات #N/A

-Select one- إختر #N/A

Strategic alliances (please select all that apply,and specify any other affiliations) رجاءاً، إختر كل ما ٌنطبق، حدد أي نوع آخر للعضوٌة(التحالفات اإلستراتٌجٌة( #N/A

Year microfinance operations began (yyyy) 0000(السنة التً بدأت بها عملٌات التموٌل األصغر( #N/A

Year of transformation to current institutional charter (if applicable) ًإذا إنطبق(سنة التحول إلى الوصف المؤسساتً الحال( #N/A

Yes نعم 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 هذه المطلوبة على المٌزانٌة العمومٌة )مبلغ(قٌمة #N/A

cannot be classified أخرى ٌرجى تحدٌدها #N/A

Description of institutional borrowings وصف لإلقتراضات المؤسساتٌة #N/A

How many individual borrowings (either commercial or concessional) appear on the current year's Balance Sheet? التً تظهر فً المٌزانٌة العمومٌة للسنة الحالٌة؟ )سواءاً تجارٌة أو إمتٌازٌة(ما هو عدد اإلقتراضات الفردٌة #N/A

Liabilities Analysis تحلٌل المطلوبات #N/A

Nominal interest rate paid on this borrowingسعر الفائدة األسمً المدفوع على هذه اإلقتراضات #N/A

private خاص #N/A

public عام #N/A

Source, including name and description (if possible) إذا أمكن(المصدر، ضع األسم والوصف( #N/A

Total borrowings, as of إجمالً اإلقتراضات كما فً #N/A

Total borrowings, current year (Line 2c of Balance Sheet) ج من المٌزانٌة العمومٌة2السطر (إجمالً اإلقتراضات ، السنة الحالٌة ( #N/A

Would you classify this as a liability from a public or private source?هل تصنف هذه كمطلوبة من مصدر عام أم خاص؟ #N/A

Other (sum of 10b) 10b مجموع #N/A

(sum of 2) 2مجموع #N/A

(sum of 2c) 2c مجموع #N/A


(sum of 3b) 3b مجموع #N/A


(sum of 3d) 3dمجموع #N/A

(sum of 6) مجموع 6 #N/A


[Please write here] من فضلك أكتب هنا #N/A

Additional text إضافة #N/A

Back to index العودة إلى الفهرس #N/A

Check إعادة #N/A

Funds Transfer نقل التموٌل/تحوٌل #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 تأمٌن #N/A

No problem ال ٌوجد مشكلة #N/A

Other أخرى #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: :ٌرجىأن تختار لغتك #N/A

Thank you for pariticipating in an international movement towards standardization, transparency and relevant benchmarks for the microfinance sector.نشكركم على المشاركة فً حركة عالمٌة لتوحٌد معاٌٌر وشفافٌة العالمات الهادٌة فً قطاع التموٌل األصغر. #N/A

Portfolio Report 181-365 Days ٌوم 181-365 #N/A

30-90 Days ٌوم 30-90 #N/A

366+ Days ٌوم وأكثر 366 #N/A

91-180 Days ٌوم 91-180 #N/A

Aging/Status of portfolio حالة المحفظة/ التقادم #N/A

All renegotiated loans جمٌع القروض التً تجدد التفاوض علٌها #N/A

Amount - listed in مسجل فً- المبلغ #N/A

Current portfolio, on-time (< 30 Days, non-renegotiated loans) ٌوم، القروض التً لم ٌتجدد التفاوض علٌها30< (المحفظة الحالٌة، على الوقت ( #N/A

Does the MFI track renegotiated loans separate from non-renegotiated loans?هل تتابع مؤسسة التموٌل األصغر القروض التً تجدد التفاوض علٌها بشكل منفصل عن تلك التً ال ٌوجد علٌها تفاوض؟ #N/A

Gross Loan Portfolio إجمالً محفظة القروض Portofolio Kredit Kotor

Loan Loss Provision Expense for FY endedمصروف مخصص فقدان القروض للسنة المالٌة المنتهٌة #N/A

Loan Loss Reserve for FY ended احتٌاطً فقدان القروض للسنة المالٌة المنتهٌة #N/A

Loans written off in FY ended للسنة المالٌة المنتهٌة )المشطوبة(القروض المعدمة #N/A

Number of loans عدد القروض Jumlah Pinjaman

Percent النسبة Persen.

Please describe precisely your institution's policy regarding provisioning and write-offs المشطوب/ الفاقد(رجاءاً، صف بدقة سٌاسة مؤسستك المتعلقة بالمخصص والمعدم( #N/A

Please explain how your institution calculates delinquency (portfolio balance affected by overdue payments) as given in the above table كما هو معروض فً الجدول أعاله )رصٌد المحفظة المتأثر بالدفعات المستحقة(رجاءاً، إشرح كٌف تحسب مؤسستك التأخر #N/A

Portfolio balance affected by overdue payments (non-renegotiated loans) ؟)القروض التً لم ٌتم تجدد التفاوض علٌها(رصٌد المحفظة الذي تأثر بالدفعات المنأخرة #N/A

Portfolio Report تقرٌر المحفظة #N/A

Repayment performance of outstanding Loan Portfolioأداء السداد لمحفظة القروض القائمة #N/A

Were there any renegotiated loans on this year's Balance Sheet?هل هناك أٌة قروض تجدد التفاوض علٌها؟ #N/A

Products and Clients Balance outstanding at year-end (in currency and unit listed above) بالعملة والوحدة المدرجة أعاله(الرصٌد القائم فً نهاٌة السنة( #N/A

Can this effect be clearly and efficiently measured due to the separation of accounts?هل ٌمكن قٌاس هذا األثر بوضوح و فعالٌة نتٌجة لفصل الحسابات؟ #N/A

Clients, by other product الزبائن، للمنتجات األخرى #N/A

Compulsory )اإللزامً(اإلجباري Wajib

Describe individually each non-financial serviceالرجاء وصف كل خدمة غٌر مالٌة على حدى #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.) فترة السماح، متطلبات الضمان، الشروط الالزمة للحصول على قرض، الخ)كل متى(عمر القرض، تكرار الدفعة / ٌتضمن وصف مدة(وصف لعناصر وشروط القرض ،.( #N/A

Description of terms and conditions of product (all products defined as 'other' should be described in particular detail) ٌجب أن تشرح بالتفصٌل" أخرى"كل المنتجات المعرفة تحت بند (وصف لعناصر وشروط المنتج( #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.) فترة السماح، متطلبات الضمان، الشروط الالزمة للحصول على قرض، الخ)كل متى(عمر القرض، تكرار الدفعة / ٌتضمن وصف مدة(وصف لعناصر وشروط القرض ،.( #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. أ و ب فً قائمة الدخل12هل تظهر مبالغ النفقات و الدخل و الربحٌة الموضحة أعاله فً قوائمكم المالٌة المدققة؟ لو نعم، الرجاء إدخال هذه المبالغ فً خانة. #N/A

Does the institution offer non financial services?هل تقدم المؤسسة خدمات غٌر مالٌة؟ #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)?دوالر أمرٌكً ٌومٌاً أو السكان فً النصف األسفل من الذٌن تحت خط الفقر1الزبائن الذٌن ٌكسبون أقل من (العمالء الفقراء جداً / هل تستهدف المؤسسة الزبائن ( #N/A

Does the institution use any targeting tools such as Means Test, Participatory Wealth Ranking, Housing Index, etc.?؟.هل تستخدم المؤسسة أٌة أدوات لتحدٌد اإلستهداف مثل استطالع الموارد، فحص الثروة التشاركً، مؤشرات اإلسكان، الخ #N/A

How do the non-financial services offered by the institution enhance its core savings and loan business?كٌف تساهم الخدمات غٌر المالٌة التً تقدمها المؤسسة فً دعم المدخرات و عملٌة اإلقراض؟ #N/A

If applicable, balance outstanding at year-end (in currency and unit listed above) بالعملة والوحدة المدرجة أعاله(إذا أنطبق، الرصٌد القائم فً نهاٌة السنة( #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)? ؟)أي الموفرٌن إضافة لحسابات التوفٌر(عدد الزبائن إضافة إلى عدد الحسابات )برمجٌاً(هل تستطٌع المؤسسة أن تتابع #N/A

Lending methodologies used منهجٌة اإلقراض المستخدمة #N/A

LOAN PRODUCTS منتج القرض PRODUK PINJAMAN

Loans and borrowers القروض والمقترضون #N/A

Non-financial service خدمة غٌر مالٌة #N/A

Non-financial services الخدمات غٌر المالٌة #N/A

Number of accumulated borrowers مجموع عدد المقترضٌن #N/A

Number of accumulated loans disbursed مجموع عدد القروض الصادرة #N/A

Number of Active Borrowers عدد المقترضٌن النشطاء Jumlah Peminjam Aktif

Number of active clients عدد الزبائن النشٌطٌن #N/A

Number of active savers عدد الموفرٌن النشطاء #N/A

Number of active savings accounts النشطة )اإلدخار(عدد حسابات التوفٌر #N/A

Number of Loans Outstanding عدد القروض القائمة Jumlah Kredit Belum Lunas

Number of new borrowers عدد المقترضٌن الجدد #N/A

Number of new clients عدد الزبائن الجدد #N/A

Number of participants عدد المشاركٌن #N/A

Number of women borrowers عدد المقترضٌن النساء #N/A

Number of women clients عدد الزبائن النساء #N/A

Number of women savers )المدخرات(عدد النساء الموفرات #N/A

Operational profit (loss) from non-financial service من الخدمات غٌر المالٌة )الخسارة(الربح التشغٌلً #N/A

Other microfinance products منتجات التموٌل األصغر األخرى #N/A

Other products منتجات أخرى #N/A

Outreach & Impact #N/A #N/A

Percentage of clients in households earning less than US$1/day per household memberًفرد فً العائلة/ نسبة الزبائن فً العائالت التً تكسب أقل من واحد دوالر أمرٌك #N/A

Please list, describe and provide a balance for each financial product offered by the institution (ranked in order of importance to institution) مرتبة بحسب درجة األهمٌة بالنسبة للمؤسسة(رجاءاً، أدرج وصف وإعرض رصٌد كل منتج مالً تقدمه المؤسسة( #N/A

Please provide information as of ٌرجى تقدٌم المعلومات كما فً #N/A

Products and Clients المنتجات والزبائن #N/A

Related operational expenses نفقات تشغٌلٌة مرتبطة بالخدمات غٌر المالٌة #N/A

Related operational income دخل من العملٌات مرتبط بالخدمات غٌر المالٌة #N/A

Savings and savers التوفٌرات والموفرون #N/A

Savings products )اإلدخار(منتجات التوفٌر Produk simpanan

TOTAL اإلجمالً TOTAL

Total number of active clients (all services combined) جمٌع الخدمات معاً(إجمالً عدد الزبائن النشطاء( #N/A

Total number of loan products offered إجمالً عدد منتجات القرض المقدمة #N/A

Total number of savings products offered اإلدخار المقدمة/ إجمالً عدد منتجات التوفٌر #N/A

Voluntary اإلختٌاري #N/A

Financial StatementsBalance Sheet (Impairment Loss Allowance) #N/A (Cadangan Penghapusan Kredit Macet)

(line 15 from IS) 1c من 15سطر #N/A

(line 16 from IS) 1c من 16سطر #N/A




(sum of 2a) 2aمجموع #N/A






Account الحساب #N/A

Accounts Payable and Other Liabilities حسابات الذمم الدائنة والمطلوبات األخرى Hutang dan Kewajiban Lainnya

Accounts Receivable and Other Assets األصول(حساب الذمم المدٌنة وغٌرها من الموجودات( Piutang dan Aktiva Lainnya

Adjusted Accounts #N/A Rekening-rekening yang Mengalami Penyesuaian

Adjustments التعدٌالت Penyesuaian

Adjustments to Equity #N/A #N/A

As of كما فً #N/A

ASSETS األصول/ الموجودات Aset

BALANCE SHEET المٌزانٌة العمومٌة NERACA

Borrowings #N/A Pinjaman

Borrowings at commercial interest rates اإلقتراضات بأسعار فائدة تجارٌة Pinjaman dengan suku bunga komersial

Borrowings at concessional interest rates اإلقتراضات بأسعار فائدة إمتٌازٌة Pinjaman dengan suku bunga longgar

Cash and Due from Banks النقد واألرصدة لدى البنوك Kas dan Rekening Bank

Compulsory Deposits #N/A Tabungan Wajib

Compulsory Savings التوفٌرات اإللزامٌة Tabungan Wajib

Currency Conversion Factor #N/A Faktor Konversi Mata Uang

Current Year السنة الحالٌة Tahun Berjalan

Demand Deposits الودائع تحت الطلب Rekening Koran

Description الوصف #N/A

Donated Equity حقوق الملكٌة الممنوحة Modal Sumbangan

EQUITY حقوق الملكٌة Modal

FINANCIAL STATEMENTS - Please list in ٌرجى تعبئتها- القوائم المالٌة #N/A


Gross Loan Portfolio, as of إجمالً محفظة القروض، كما فً #N/A

INFLATION ADJUSTMENT تعدٌل التضخم #N/A

In-Kind Subsidy Adjustment المنح العٌنٌة/ تعدٌل التبرعات Biaya Subsidi Penyesuaian Sejenis

Interest Payable الفائدة المطلوبة Bunga yang Masih Harus Dibayar

Interest Receivable الفائدة المقبوضة Bunga yang Masih Harus Diterima

Item البند #N/A

LIABILITIES المطلوبات PASIVA

Loan Loss Reserve إحتٌاطً فقدان القرض #N/A

Long Term Financial Assets المالٌة طوٌلة األجل )األصول(الموجودات #N/A

Net Fixed Assets الثابتة )األصول(صافً الموجودات Aktiva Tetap Bersih

Net fixed assets, as of صافً الموجودات الثابتة، كما فً #N/A

Net Loan Portfolio صافً محفظة القروض Portofolio Kredit Bersih

Other Equity Accounts حسابات حقوق المكٌة األخرى Rekening Modal Lainnya

Other Investments #N/A Aktiva Keuangan Jangka Panjang

Paid-in Capital المدفوع فً رأس المال Modal Disetor

Please provide the following account balances for the previous fiscal yearٌرجى أن تضع أرصدة الحسابات التالٌة للسنة المالٌة السابقة #N/A

Please provide us with the short and long-term breakout of Total Assets and Total Liabilitiesالموجودات و المطلوبات على المدى القرٌب و البعٌد/الرجاء تحدٌد إجمالً األصول #N/A

Prior Years السنوات السابقة Tahun-tahun Lalu

Reserves اإلحتٌاطٌات Cadangan

Reserves from Central Bank #N/A Cadangan Bank Sentral

Reserves in Central Bank اإلحتٌاطً فً البنك المركزي #N/A

Retained Earnings )غٌر الموزعة(االرباح المحتجزة Laba Ditahan

Short Term Financial Assets قصٌبرة األجل )األصول(الموجودات #N/A

Subsidized Cost of Funds Adjustment .تعدٌل تكلفة التموٌل المدعوم Biaya yg Disubsidi dari Penyesuaian Dana

Time Deposits الودائع ألجل Deposito Berjangka

Total Assets إجمالً األصول Jumlah Aktiva

TOTAL ASSETS, as of إجمالً الموجودات، كما فً #N/A

Total balance on all liability accounts payable at or within 12 months شهر12إجمالً مٌزانٌة جمٌع حسابات المطلوبات المستحقة خالل #N/A

Total balance on all liability accounts payable beyond 12 month horizon شهر12إجمالً مٌزانٌة جمٌع حسابات المطلوبات المستحقة بعد #N/A

Total Borrowings إجمالً اإلقتراضات #N/A

Total Equity إجمالً حقوق الملكٌة Jumlah Modal

TOTAL EQUITY, as of إجمالً حقوق الملكٌة، كما فً #N/A

Total Liabilities إجمالً المطلوبات Jumlah Pasiva/Kewajiban

Total Liabilities and Equity إجمالً المطلوبات وحقوق الملكٌة Jumlah Pasiva/Kewajiban dan Modal

Total of all asset accounts maturing at or within 12 months شهر12إجمالً جمٌع حسابات األصول المستحقة خالل #N/A

Total of all asset accounts maturing in more than 12 months شهر12إجمالً جمٌع حسابات األصول المستحقة بعد #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 التوفٌرات الطوعٌة Simpanan Sukarela

Balance Sheet - definitionsAccounts receivable, notes receivables and other receivables. This includes all receivables other than client loan accounts, including employee loans.ٌتضمن هذا كل حسابات المبٌعات ما عد حسابات قرض الزبائن، وٌتضمن قروض الموظفٌن. حسابات الذمم المدٌنة، الكمبٌاالت وغٌرها من الذمم المدٌنة #N/A

Accumulated donations .المنح المتراكمة #N/A

Accumulated donations from prior periods .المنح المتراكمة من فترات سابقة #N/A

Accumulated donations from the current year #N/A #N/A

Accumulated net income after taxes and before donations صافً الدخل المتراكم بعد الضرائب وقبل المنح. #N/A

Accumulated net income after taxes and before donations from prior periodsصافً الدخل المتراكم بعد الضرائب وقبل المنح من فترات سابقة. #N/A

Accumulated net income after taxes and before donations from the current yearصافً الدخل المتراكم بعد الضرائب وقبل المنح من السنة الحالٌة. #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. ال تتضمن قروض الموظفٌن. ال تتضمن الفائدة المقبوضة. )الفاقد/ المشطوب(جمٌع األسس القائمة لكل قروض الزبائن القائمة، ٌتضمن القروض الحالٌة والمتأخرة والمعاد هٌكلتها، ولكن ال ٌتضمن القرو ض المعدمة. #N/A

Capital paid by shareholders or membersرأس المال المدفوع من قبل المساهمٌن أو األعضاء. #N/A

Cash reserves in a central bank .إحتٌاطٌات النقد فً بنك مركزي #N/A

Cash, petty cash, balances in banks, including non-interest bearing depositsالنقد، النقد فً الصندوق، األرصدة لدى البنوك، ٌتضمن الودائع التً ال تتقاضى علٌها فائدة. #N/A

Certificates of deposit or other fixed term depositsشهادرات إٌداع أو ودائع أخرى ألجل محدد. #N/A

Client savings accounts that are maintained as a condition for a current or future loan and are held with the institutionحسابات توفٌرات الزبون التً ٌحتفظ بها كشرط للحصول على قرض حالً أو مستقبلً وتحتفظ بها المؤسسة. #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 institutionالودائع تحت الطلب من العموم واألعضاء التً ال ٌحتفظ بها كشرط للحصول على قرض حالً أو مستقبلً وتحفظها المؤسسة. #N/A

Donations from the current year #N/A #N/A

Gross Loan Portfolio minus Loan Loss Reserveإجمالً محفظة القرض ناقص احتٌاطً فقدان القروض. #N/A

Interest payable on all liability accounts. Recorded by institutions using accrual accounting.تسجلها المؤسسات التً تستخدم المحاسبة على أساس اإلستحقاق. الفائدة المطلوبة على كل حسابات المطلوبات. #N/A

Interest receivable on all asset accounts. Recorded by institutions using accrual accounting.تسجلها االمؤسسات التً تستخدم المحاسبة على أساس اإلستحقاق. الفائدة المقبوضة على كل حسابات الموجودات. #N/A

Long term investments not convertible to cash within 12 months شهر12اإلستثمارات طوٌلة األجل التً ال تتحول إلى نقد خالل . #N/A

Net income after taxes and before donations from the current year#N/A #N/A

Other equity accounts not included elsewhereحسابات حقوق الملكٌة األخرى التً لم تدرج فً أي مكان آخر. #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.مطلوبات أخرى تتضمن مطلوبات الضرٌبة والرواتب، الضرائب اإلجتماعٌة، الدخل المؤجل، وغٌرها من حسابات الذمم الدائنة، ٌتضمن ذلك المطلوبات التً ال تمول الحقٌبة مثل الرهونات على العقارات. #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 rateًالرصٌد األساسً لإلقتراضات، ٌتضمن ذلك حسابات السحب بدون رصٌد، والتً تدفع بها المؤسسة سعر فائدة إسمً أكبر من أو ٌساوي سعر الفائدة التجاري المحل. #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 rateًالرصٌد األساسً لإلقتراضات، ٌتضمن ذلك حسابات السحب بدون رصٌد، والتً تدفع بها المؤسسة سعر فائدة إسمً أقل من سعر الفائدة التجاري المحل. #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.إشرح أٌة احتٌاطٌات تستخدمها المؤسسة. اإلحتٌاطٌات كتلك التً ٌفرضها القانون أو النظام. #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. الفاقدة/ المشطوبة(ٌمثل هذا البند القٌمة المتراكمة لنفقة مخصص فقدان القرض، ناقص القٌمة المتراكمة للقروض المعدمة . الخسارات المتوقعة نتٌجة التعثر )خصص ل(الجزء من محفظة القروض الذي ُصرف على(. #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.ٌتضمن هذا األشٌاء غٌر الملموسة، مثل تطوٌر نظام إدارة المعلومات أو النواٌا الحسنة، ناقص إٌفاء الدٌن المتراكم. سعر شراء العقار والمنشأة والمعدة، نافص اإلهتالك المتراكم #N/A

Total balance on all liability accounts payable beyond 12 month horizon شهر12إجمالً مٌزانٌة جمٌع حسابات المطلوبات المستحقة بعد #N/A

Total balance on all liability accounts payable within 12 months شهر12إجمالً مٌزانٌة جمٌع حسابات المطلوبات المستحقة خالل #N/A

Total of all asset accounts (including gross loan portfolio) maturing at or within 12 months شهر12المستحقة خالل )بما فٌه إجمالً محفظة القروض(إجمالً جمٌع حسابات األصول #N/A

Total of all asset accounts (including gross loan portfolio) maturing in more than 12 months شهر12المستحقة بعد )بما فٌه إجمالً محفظة القروض(إجمالً جمٌع حسابات األصول #N/A

Total of all equity accounts .مجموع كل حسابات حقوق الملكٌة #N/A

Total of all liability accounts .مجموع حسابات المطلوبات #N/A

Total of all net asset accounts .)األصل(مجموع صافً حسابات الموجودة #N/A

Total of Commercial and Concessional Borrowingsمجموع اإلقتراضات التجارٌة واإلمتٌازٌة. #N/A

Total of Total Liabilities and Total Equityمجموع إجمالً المطلوبات وإجمالً حقوق الملكٌة. #N/A

Total of Voluntary and Compulsory Savingsمجموع التوفٌرات الطوعٌة واإللزامٌة. #N/A

Treasury bills and other short term investments, including interest-bearing deposits, convertible to cash within 12 months. Usually used in liquidity management. ما ٌستخدم عادة فً إدارة السٌولة. شهرا12ًأذون الخزٌنة وغٌرها من اإلستثمارات قصٌرة األجل، ٌتضمن ذلك الودئاع التً تتقاضى علٌها فائدة، ما ٌمكن تحوٌله إلى نقد خالل. #N/A

Value in-kind subsidy adjustment (reserved for MIX use) تعبأ من قبل سوق تبادل المعلومات (قٌمة التعدٌل للمنح العٌنٌة)MIX( #N/A

Value of all adjustments, including inflation adjustmentقٌمة كل التعدٌالت، بما فً ذلك التعدٌل للتضخم. #N/A

Value of inflation adjustment expense #N/A #N/A

Value of inflation adjustment expense (reserved for institutions practicing inflation-based accounting) مخصصة للمؤسسات التً تستخدم المحاسبة على أساس التضخم(قٌمة نفقة تعدٌل التضخم(. #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) تعبأ من قبل سوق تبادل المعلومات (قٌمة التكلفة المدعومة لنفقة التعدٌل للمنح)MIX( #N/A

Income Statement (13 less 14) 14ناقص 13 #N/A

(5 less 6) ناقص5 6 #N/A

(7 less 8 less 10) 10 ناقص 8ناقص 7 #N/A





(sum of 5a) 5a مجموع #N/A


(sum of 6a) 6a مجموع #N/A



Adjustment for Subsidized Cost of Funds #N/A Pengeluaran Penyesuaian Subsidi Biaya Dana

Administrative Expense النفقة اإلدارٌة Pengeluaran Administratif

Depreciation and Amortization اإلهتالك واإلستبدال Penyusutan dan Amortisasi

Donations #N/A Sumbangan Subsidi Jasa Keuangan

Donations to Subsidize Financial Services التبرعات لتموٌل الخدمات المالٌة/ المنح #N/A

Fees and Commissions on Loan Portfolio الرسوم والعمولة على محفظة القروض Provisi dan Komisi Portofolio Kredit

Financial Expense النفقة المالٌة Pengeluaran Keuangan

Financial Expense on Funding Liabilities #N/A Pengeluaran Keuangan atas Pasiva/Kewajiban

Financial Expense on Liabilities النفقة المالٌة على المطلوبات #N/A

Financial Revenue الدخل المالً Hasil Keuangan

Financial Revenue from Investments #N/A Hasil Keuangan dari Aktiva Keuangan Lainnya

Financial Revenue from Loan Portfolio الدخل المالً من محفظة القروض Hasil Keuangan dari Portofolio Kredit

Financial Revenue from Other Financial Assetsالدخل المالً من الموجودات المالٌة األخرى #N/A

Impairment Losses on Loans #N/A Pengeluaran Bersih Penyisihan Penghapusan Kredit

INCOME STATEMENT قائمة الدخل LAPORAN LABA RUGI

Inflation Adjustment Expense نفقة تعدٌل التضخم #N/A

Inflation Adjustment Revenue ربح تعدٌل التضخم #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 نفقة الفائدة والرسوم على اإلقتراضات #N/A

Interest and Fee Expense on Deposits نفقة الفائدة والرسوم على الودائع Pengeluaran Bunga dan Provisi atas Pinjaman

Interest on Loan Portfolio الفائدة على محفظة القروض Bunga Portofolio Kredit

Loan Loss Provision Expense نفقة مخصص فقدان القرض #N/A

Net Adjustment for Inflation #N/A Pengeluaran Penyesuaian Tingkat Inflasi Bersih

Net Financial Income صافً الدخل المالً Pendapatan Keuangan Bersih

Net Income (After Taxes and Before Donations) )التبرعات/ بعد الضرائب وقبل المنح(صافً الدخل Pendapatan Bersih (Setelah Pajak dan Sebelum Sumbangan)

Net Income (After Taxes and Donations) التبرعات/ زائد المنح )التبرعات/ بعد الضرائب وقبل المنح(صافً الدخل Pendapatan Bersih (Setelah Pajak dan Sumbangan)

Net Income (Before Taxes and Donations) )التبرعات/ قبل الضرائب والمنح(صافً الدخل Pendapatan Bersih (Sebelum Pajak dan Sumbangan)

Net Inflation Adjustment Expense صافً نفقة تعدٌل التضخم #N/A

Net Loan Loss Provision Expense صافً نفقة مخصص فقدان القرض #N/A

Net Non-Operating Income صافً الدخل غٌر التشغٌلً Pendapatan Non-Operasional Bersih

Net Operating Income صافً الدخل التشغٌلً Pendapatan Operasional Bersih

Non-Operating Expense النفقة غٌر التشغٌلٌة Pengeluaran Non-Operasional

Non-Operating Revenue الربح غٌر التشغٌلً Hasil Non-Operasional


Operating Expense النفقة التشغٌلٌة Pengeluaran Operasional

Other Administrative Expense #N/A Pengeluaran Administratif Lainnya

Other Administrative Expenses نفقات إدارٌة أخرى #N/A

Other Financial Expense #N/A Pengeluaran Keuangan Lainnya

Other Financial Expenses النفقات المالٌة األخرى #N/A

Other Operating Revenue #N/A Hasil Lain yang Terkait dengan Jasa Keuangan

Other Revenue Related to Financial Services دخل آخر متعلق بالخدمات المالٌة #N/A

Period ending نهاٌة الفترة #N/A

Period starting بداٌة الفترة #N/A

Personnel Expense نفقة التوظٌف Pengeluaran Personalia

Provision for Loan Impairment #N/A Pengeluaran Penyisihan Penghapusan Kredit Macet

Recovery on Loans Written-off )المشطوبة(المسترد من القروض المعدمة #N/A


Subsidized Cost-of-Funds Adjustment Expenseنفقة تعدٌل تكلفة التموٌل المدعومة #N/A

Taxes الضرائب Pajak


Value of Loans Recovered #N/A Penghapusan Kredit Macet yang Berhasil Ditagih Kembali

Income Statement - definitionsAdjustment 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)تعبأ من قبل سوق تبادل المعلومات (. نفقة تعدٌل لإلختالف ما بٌن سعر السوق والسعر اإلمتٌازي على مطلوبات التموٌلMIX( #N/A

Allowance for deterioration, eventual replacement of equipmentالمخصص لإلهتالك، اإلستبدال الفعلً لألجهزة والمعدات. #N/A

Cost of maintaining the value of the institution's equityتكلفة المحافظة على قٌمة حقوق ملكٌة المؤسسة. #N/A

Donations made to the MFI to subsidize its operations .التبرعات المقدمة لمؤسسة التموٌل األصغر لدعم عملٌاتها/ المنح #N/A

Expenses from activity unrelated to the MFIs core activity of providing financial services, such as BDS development costs or consulting expensesالنفقات فً نشاط ال ٌتعلق بنشاط مؤسسات التموٌل األصغر الرئٌسٌة الرئٌسً وهو توفٌر خدمات التموٌل األصغر، مثل تكالٌف خدمات تطوٌر المنتج أو نفقات اإلستشارة. #N/A

Financial Revenue less Financial Expense, Net Loan Loss Provision Expense and Operating Expenseالربح المالً ناقص النفقة المالٌة، صافً نفقة احتٌاطً فقدان القرض والنفقة التشغٌلٌة. #N/A

Financial Revenue minus Financial Expense الدخل المالً ناقص النفقة المالٌة #N/A

Gain on the value of fixed assets due to inflationالربح على قٌمة الموجودات الثابتة نتٌجة التضخم. #N/A

Includes all taxes paid on Net Income or other measure of profits as defined by local tax authoritiesٌتضمن كل الضرائب المدفوعة على صافً الدخل أو أي إجراء ٌتعلق باألرباح حددته السلطات المحلٌة المختصة بشؤون الضرائب. #N/A

Interest and fees paid on borrowings .الفائدة والرسوم المدفوعة على اإلقتراضات #N/A

Interest and fees paid on demand or term depositsالفائدة والرسوم المدفوعة على الودائع تحت الطلب أو الودائع الزمنٌة. #N/A

Interest earned on loan portfolio .الفائدة المتحققة على محفظة القروض #N/A

Loan Loss Provision Expense for the periodنفقة مخصص فقدان القرض لتلك الفترة. #N/A

Net gains on other financial assets .صافً الربح من الموجودات المالٌة األخرى #N/A

Net Income (after Taxes and before Donations) plus Donations التبرعات / زائد المنح )التبرعات/ بعد الضرائب وقبل المنح(صافً الدخل. #N/A

Net Income (before Taxes and Donations) less Taxes .ناقص الضرائب )التبرعات/ قبل الضرائب والمنح(صافً الدخل #N/A

Net Operating Income less Net Non-operating Income #N/A #N/A

Net Operating Income plus Net Non-operating Incomeًصافً الدخل التشغٌلً زائد صافً الدخل غٌر التشغٌل #N/A

Non-operating Revenue less Non-operating Expenseالربح غٌر الشتغٌلً ناقص النفقة غٌر التشغٌلٌة. #N/A

Other expenses from provision of financial services, including non-financial expenses on financial products, as well as net exchange depreciationنفقات أخرى على تقدٌم الخدمات المالٌة، تتضمن النفقات غٌر المالٌة على المنتجات المالٌة مثل صافً تغٌر اإلهتالك. #N/A

Other non-personnel administrative expensesنفقات إدارٌة أخرى ال تتعلق بالتوظٌف. #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 portfolioالغرامات والعموالت وغٌرها من الرسوم التً تتقاضاها على محفظة القروض. #N/A

Printed matter, supplies, photocopies, books, etc.الطباعة، التجهٌزات، التصوٌر، الكتب، الخ. #N/A

Rent and utility charges .المدفوع على اإلستئجار والمنافع #N/A

Reserved for institutions that use inflation based accounting. Net amount of inflation adjustment.صافً مبلغ تعدٌل التضخم. مخصص للمؤسسات التً تستخدم المحاسبة على أساس التضخم. #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.قد ٌتضمن هذا البند الدخل من اإلستشارات، بٌع منتجات أنظمة المعلومات، أو الرسوم على خدمات تطوٌر األعمال. الربح من نشاط ال ٌتعلق بنشاط المؤسسة الرئٌسً وهو توفٌر خدمات مالٌة. #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 institutionالرواتب، الضرائب المقتطعة، المنافع األخرى، والضرائب على الموظفٌن التً تدفع على كل من ٌعمل فً المؤسسة. #N/A

Sum of loan loss provision expense and recovery on loan loss provisionمجموع نفقة مخصص فقدان القرض والمسترد من مخصص فقدان القرض #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 إجمالً الفائدة والرسوم والعمولة على محفظة القروض. #N/A

Total of financial expense on liabilities, net inflation adjustment, cost-of-funds adjustment and other expenses from financial servicesإجمالً النفقة المالٌة على المطلوبات، صافً التضخم المعدل، تكلفة التموٌل المعدلة وغٌرها من نفقات الخدمات المالٌة. #N/A

Total of interest and fees paid on deposits and borrowingsإجمالً الفائدة والرسوم المدفوعة على الودائع واإلقتراضات. #N/A

Total of Personnel Expense and Administrative Expenseإجمالً تكالٌف التوظٌف والتكلفة اإلدارٌة. #N/A

Total of Rent and Utilities, Transportation, Office Supplies, Depreciation and Other Administrative Expensesإجمالً اإلستئجار والمرافق، المواصالت، تجهٌزات المكتب، اإلهتالك، وغٌرها من النفقات اإلدارٌة. #N/A

Total of revenue from loan portfolio and other financial assets, as well as other financial revenue from financial servicesاألصول المالٌة، وكذلك أي دخل من الخدمات المالٌة/ إجمالً الدخل من محفظة القروض وغٌرها من الموجودات. #N/A

Total recovery on loans written off .)المشطوبة(إجمالً المسترد من القروض المعدمة #N/A

Transportation of staff to attend to clients and to manage operationsمواصالت الموظفٌن للوصول للزبائن وإلدارة العملٌات. #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 CharacteristicsAge #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 - DefinitionsNumber, 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 عدد المقترضٌن النشطاء Jumlah Peminjam Aktif

Number of Borrowers #N/A Jumlah Peminjam

Number of Loans Outstanding عدد القروض القائمة 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 الحساب #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 ال #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 نعم 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 العنوان #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


Currency العملة #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 أخرى #N/A

Other costs #N/A #N/A

Other Income #N/A Pendapatan Lain

Other products منتجات أخرى #N/A

Phone الهاتف #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 تأمٌن #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 ال #N/A

Non-Bank Financial Institution #N/A #N/A

Non-Profit (NGO) #N/A #N/A

Not-Visible #N/A #N/A

Other أخرى #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 التوفٌرات الطوعٌة Simpanan Sukarela

Weekly #N/A Mingguan

Yearly #N/A Tahunan

Yes نعم 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 بنك #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 منظمة غٌر حكومٌة #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 ﾩ 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


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 ال #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

User’s 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 نعم 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 MFI’s 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 MFI’s 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 institution’s 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 industry’s 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 institution’s 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 MFI’s 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 MFI’s 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 institution’s 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 industry’s 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 institution’s 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

Chinese

调整后的贷款组合

调整后的贷款损失准备

调整后的净贷款组合

调整后的现有贷款笔数

调整后对贷款损失的计提

调整

#N/A

调整摘要

应用

年初借款

年末借款

平均每期借款

捐赠分类

对资金成本的调整

资金成本的市场利率

净贷款组合，调整后与未调整的差额

年初权益

实物资助调整

通货膨胀调整

对所有者权益进行通货膨胀的调整

对固定资产进行通货膨胀的调整

借款的利息与费用支出

贷款损失调整

贷款损失调整

当地市场率

调整后贷款损失最底保留额

年初净固定资产

大于365天的贷款笔数

办公室文具

其他

大于365天的风险组合

180-365天的风险贷款组合

91-180天的风险贷款组合

180-365天的计提因子

90-180天的计提因子

计提因子，重新协定贷款

重新协定贷款

租金和设备

保留金额，180-365天的风险贷款组合

保留数额，91-180天的风险贷款组合

保留数额，重新协定贷款

面额

总共

交通费用

未调整的总贷款组合

未调整的贷款损失准备

未调整的净贷款组合

未调整的对贷款损失的计提

核销调整

效果：提高总经营费用，减低净经营收入，净收入

效果：减低净贷款组合，提高贷款损失计提费用，如果贷款损失保留金不足以处理计提和核销的调整费用

效果：减低净经营收入，净收入

效果：按另外一个所有者权益账户录入，抵消净收入

效果：提高财务费用，减少净经营收入，净收入

效果：提高财务费用，减少净经营收入，净收入（注：如果固定资产超过所有者权益，财务费用减少，提高净经营收入，净收入）

效果：提高固定资产，总资产

国际货币组织，国际金融统计，第60行

国际货币组织，国际金融统计，第64行

#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

#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

#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

#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

#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

美元

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

存款利率

金融深度

GDP增长率

基尼系数

通货膨胀率

宏观经济指标

每年的平均消费物价变动

一国经济在国土范围内产生的货物和劳务的总产量的年增长率

平均

提供给居民客户的定期，活期或储蓄存款的利率

金融总额包括货币，储蓄和电子货币/GDP

金融总额包括货币，储蓄和电子货币(M3)/国民生产总值，衡量经济货币化

不论位置和人数，由一国居民创造出来的国民总收入

#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

#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

汇率

#N/A

#N/A

#N/A

#N/A

否

#N/A

#N/A

是

#N/A

#N/A

#N/A

#N/A

总部

#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

实物资助

办公室文具

#N/A

其他

#N/A

租金和设备

交通费用

#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

#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

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

否

#N/A

#N/A

#N/A

#N/A

其他

#N/A

#N/A

#N/A

盈利

盈利状况

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

是

#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

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

其他

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

总贷款组合

#N/A

#N/A

#N/A

贷款笔数

百分比

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

强制的

#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

活跃借款人数目

#N/A

#N/A

#N/A

现有贷款数目

#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

存款产品

总共

#N/A

#N/A

#N/A

#N/A

债款损失准备

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

预付账户和其他负债

预收账户和其他投资

调整的资产

调整摘要

对权益的调整

#N/A

资产

资产负债表

借款

用商业利率计算的存款

用复利率计算的存款

现金及其他

强制性存款

强制性存款

货币转换因子

当年

总债务人

#N/A

捐赠资本

所有者权益

#N/A

总贷款组合

#N/A

通货膨胀调整

实物资助调整

预付利息

预收利息

#N/A

负债

#N/A

#N/A

净固定资产

#N/A

净贷款组合

其他权益账户

其他投资

已缴股本

#N/A

#N/A

上一年

储备

央行的存款

#N/A

保留收益

#N/A

补贴资金成本调整

定期存款

总资产

#N/A

#N/A

#N/A

#N/A

总权益

#N/A

总负债

总负债和权益

#N/A

#N/A

现金及其他

未调整的资产

单位

自愿性借款人

自愿存款

所有预收账目，这些包括所有除客户贷款账户以外的预收账户，包括雇员贷款

累计捐款

前期累计捐款

#N/A

累计净收入（税后和捐款前）

上一期累计净收入（税后和捐款前）

#N/A

所有现有客户贷款的本金，包括当今，拖延以及重建的贷款，但这些贷款还没有核销。这个不包括预收利息，也不包括员工贷款。

股东或会员所付的资本

中央银行的现金储备

现金及其他

存款证明以及其他定期存款

被限定为目前或将来的贷款并由该机构保留的客户储蓄账户

不受如何限制的公众或会员的活期存款

现年捐款

总贷款减去贷款损失准备

在负债项目中的预付利息，用权责发生制的机构

所有资产账户所得的预收利息，是采用权债发生制的机构记录的

长期投资在12个月内不能套现

现年税后和捐款前的净收入

其他没有包括到的权益账户

其他债务包括税和工资负债，社会扣除，拖延工资，其他预付帐目，包括不在贷款组合内的债务，例如房地产的分期付款

所有借款，包括透支帐目，这个机构所付的名义利率高于或等于当地的商业利率的本金余额

所有借款，包括透支帐目，这个机构所付的名义利率低于当地的商业利率的本金余额

法律法规和董事会议所要求的准备金

#N/A

这个部分已经被预留为破产开支了。它代表所有贷款损失的开销减去贷款的核销

房屋，生产线和设备的购买，减去累计折旧。这个包括无形的资产，例如MIS的安装和名誉，减去累计折旧

#N/A

#N/A

#N/A

#N/A

所有权益账户

贷款数目

所有净资产总和

总商业借款和减让借款

总权益和总债务

所有自愿和强制存款

国债以及其它短期投资，包括含利息的存款，12个月内能转换成现金的转换物，通常是用于管理流动性的

#N/A

所有调整的值，包括通货膨胀的调整

通货膨胀调整的费用

#N/A

实物资助调整

被资助的融资成本的调整

#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

对所资助的融资成本的调整

管理费用

折旧

捐款

#N/A

贷款组合的利率

财务费用

融资成本

#N/A

财务收入

投资的财务收入

贷款组合财务收入

#N/A

贷款损失

损益表

#N/A

#N/A

对所有者权益进行通货膨胀的调整

对固定资产进行通货膨胀的调整

借款的利息与费用支出

存款的利息与费用支出

贷款组合的利息

#N/A

对通货膨胀的净调整

净财务收入

净收益（捐款前和税后）

净收益（捐款和税后）

净收益（捐款前和税前）

#N/A

#N/A

非营业净收入

营业净收入

非营业支出

非营业收入

办公室文具

经营费用

其他管理费用

#N/A

其他财务费用

#N/A

其他经营收入

#N/A

#N/A

#N/A

人事费用

对贷款损失的计提

#N/A

租金和设备

#N/A

税

交通费用

坏账恢复金额

市场利率和优惠利率在借款上的调整

#N/A

退化，最终替换设备的预备金

维护机构权益的成本

对小额信贷组织的捐赠，以助于其经营

非MFI主流活动和非提供金融服务的费用，例如BDS发展和咨询费用

财务收入减财务支出，贷款损失准备花费以经营花费

财务收入减财务支出

固定资产因为通货膨胀而获的利益

包括净收入和其他衡量收益的标准（根据当地政府制定）上扣的税

借款的利息和费用

活期存款和定期存款的利息和费用

贷款组合的利息

这段时期贷款损失

金融资产上的净收入

净收入（税后和捐赠前）加上捐赠

净收入（税前和捐赠前）减税

净经营收入-净非经营收入

#N/A

非经营收入减去非经营支出

金融业的其他费用，包括在金融产品上的非金融花费，以及利率贬值

其他非人事管理费用

#N/A

#N/A

贷款组合上的罚款，手续费和其他费用

打印用品，文具，复印，书本等

租金和设备

针对那些使用通货膨胀会计系统的准备。通货膨胀的净调整值

#N/A

非MFI主流活动和非提供金融服务的收入，例如IT产品的销售，咨询收入，以及BDS的费用

在这家公司工作的薪酬，扣押，附带福利，以及个人所得税

#N/A

核销的恢复以及贷款损失准备费用的总和

贷款组合上的总利息，费用和手续费

在债务上的费用，净通货膨胀调整，资金成本的调整以及其他在金融服务业上的花费

支付存款和借款的利息和费用

人事费用和管理费用总和

房租，交通，办公室文具，折旧以及其他管理费用的总和

总收入（总贷款组合以及其他金融资产，和其他金融业的金融收入）

核销的贷款的恢复

员工与客户会面和筹备的费用

平均薪水/国民人均收入

每一个借款人的成本

每一笔贷款的成本

效率

经营费用/贷款组合

人事费用/贷款组合

调整人事费用/人均国民收入

调整经营费用/调整平均总贷款

调整经营费用/调整有效借款人数目

调整经营费用/调整平均贷款总数

调整人事费用/调整平均总贷款

调整费用/资产

管理费用/资产

费用

财务费用/资产

经营费用/资产

人事费用/资产

贷款损失计提

总费用/资产

（调整净经营收入-未调整净经营收入）/调整平均总资产

（未调整净经营收入-调整净经营收入）/ 调整平均总资产

调整后（财务支出+净贷款损失准备费用+经营费用）/调整后平均总资产

调整管理费用/调整平均总资产

调整后财务支出/调整后总资产

调整贷款损失/调整平均总资产

调整经营费用/调整平均总资产

调整人事费用/调整平均总资产

财务可持续

经营可持续

总体财务表现

资产回报率

净资产回报率

（调整后净经营收入-税）/ 调整后平均总资产

（调整后净经营收入-税）/ 调整后平均总所有者权益

调整后的财务收入/调整后的（财务费用+贷款损失+经营费用）

财务收入/（财务费用+ 贷款损失+经营费用）

资本/资产比

商业贷款负债比率

债务权益比

存款与贷款比

存款与总资产比

财务结构

总贷款组合占总资产比率

（自愿和定期存款+在商业利率上的借款）/调整后的平均贷款总额

调整后的总贷款组合/调整后的总资产

调整后的总所有者权益/调整后的总资产

调整后的总负债/调整后的总所有者权益

自愿性存款/调整后的总贷款组合

自愿性存款/调整后的总资产

成立年限

体制特点

MFI数量

办公室

职员

总资产

包括总部在内的办公室

样本数目

总资产，经通货膨胀调整和贷款损失核销的标准化后

职员总人数

以小额信贷组织存在的年数

平均存款余额

存款账户平均余额/人均国民总收入

平均每存款户的存款余额

平均每存款户的存款余额

平均每借款人的贷款余额

平均每借款人的贷款余额/人均国民总收入

平均现有借款余额

平均现有借款余额/人均国民收入

总贷款组合

活跃借款人数目

借款人人数

现有贷款数目

资源存款账户数目

自愿存款人数目

外展指标

女性借款人比例

自愿性借款人

调整人均贷款额/国民人均收入

调整平均现有贷款余额/国民人均收入

调整总贷款组合/调整有效借款人

调整总贷款组合/调整现有贷款笔数

调整后的总贷款组合/调整后的总资产

总贷款组合，标准化核销调整

有效女性借款人数/有效借款总人数

现有贷款的总借款人数，经标准化核销调整

拥有自愿存款和定期存款的存款人数目

现有贷款笔数，核销标准化调整

自愿存款和定期存款的项目数

自愿存款和定期存款的总额

自愿性存款用户/自愿性存款账户数

自愿性存款/自愿性存款用户

每一信贷员所面对的借款人

每一工作人员所面对的借款人

每一工组人员所负责的存款帐目

每一几款人所负责的借款数目

每贷款专员所负责的贷款

人事安排比例

生产力

每一工作人员所面对的自愿借款额人

调整有效借款人数目/贷款专员数

调整有效借款人数目/人事数目

调整现有贷款数目/贷款专员数

调整现有贷款数/人事数目

存款账户数目/人事数目

贷款专员数目/人事数目

自愿借款人数目/人事数目

财务收入/资产

盈利率

收入

总贷款组合收益（名义上的）

总贷款组合收益（实际上的）

（调整后总贷款的收益率（名义利率）-通货膨胀率)/(1+通货膨胀率）

调整后的贷款财务收入/调整后平均总贷款

调整后的财务收入/调整后的总资产

调整后的净经营收入/调整后的财务收入

流动比率

贷款损失比率

非远程学费的赞希，是能独一酒瘾啊

风险组合>30天

风险组合>90天

风险和流动性

风险比率

计提比率

（调整后核销值-恢复的贷款值）/调整后平均总贷款

调整后的现金和银行存款/调整后总资产

调整后贷款损失/PAR>30天

调整后贷款核销值/调整后平均总贷款数

现有余额，过期贷款>30天+重新协调的贷款/调整后的总贷款数

现有余额，过期贷款>90天+重新协调的贷款/调整后的总贷款数

短期资产/短期债务

#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

预算

#N/A

#N/A

#N/A

小组

#N/A

#N/A

#N/A

#N/A

#N/A

否

#N/A

#N/A

#N/A

#N/A

#N/A

是

#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

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

其他

#N/A

其他收入

#N/A

#N/A

#N/A

风险组合>30天

产品

#N/A

#N/A

地区

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

总资产

#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

捐款

#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

月度

#N/A

#N/A

#N/A

否

#N/A

#N/A

#N/A

其他

#N/A

#N/A

#N/A

#N/A

#N/A

存款

#N/A

#N/A

#N/A

顶端

#N/A

自愿存款

每周

年度

是

大于8年

0到4年

5到8年

成立年限

#N/A

成熟

新建立

年轻

银行

信用社

非银行金融中介

非政府机构

农村银行

银行

机构类型

信用社

非银行金融中介

非政府机构

农村银行

#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

#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

#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

#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

#N/A

#N/A

#N/A

储蓄存款/ 总资产 = 0

储蓄存款/ 总资产 > 0 并且 < 20%

储蓄存款/ 总资产 ≥ 20%

金融中介

金融中介

高金融中介

低金融中介

非金融中介

个人和小组；或者个人，小组和村银行

#N/A

个人

个人或者小组

贷款模式

小组

村银行

贷款人人数 < 10000

贷款人人数 > 30000

10,000 ≤ 贷款人人数 ≤ 30,000

#N/A

大型

大型（覆盖率）

中型

中型（覆盖率）

覆盖率

小型

小型（覆盖率）

盈利

非盈利

盈利状况

东欧和中亚地区

拉丁美洲和加勒比地区

中东和北非地区

南亚和东亚地区

非洲撒哈拉沙漠以南地区

非洲

亚洲

东欧和中亚地区

拉丁美洲和加勒比地区

中东和北非地区

地区

总贷款额以美金计算，LAC < 4,000,000; 其他地区 < 2,000,000

总贷款额以美金计算，LAC > 15,000,000; 其他地区 > 8,000,000

总贷款额以美金计算，4,000,000 ≤ LAC ≤ 15,000,000; 2,000,000 ≤ 其他地区 ≤ 8,000,000

大型（规模）

中型（规模）

规模

小型（规模）

财政自给率 < 100%

财政自给率 > 100%

#N/A

财政自给

非财政自给

可持续发展

每贷款人平均贷款数目/ 人均国民收入 < 20%, 每贷款人平均贷款数目< 150 美金

150% < 每贷款人平均贷款数目/ 人均国民收入≤ 250%

每贷款人平均贷款数目/ 人均国民收入 > 250%

20% ≤ 每贷款人平均贷款数目/ 人均国民收入 ≤ 150%

#N/A

广泛

高端

低端

小型企业

目标市场

#N/A

#N/A

#N/A

#N/A

调整的

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

货币

货币

#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

年度

#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

效率和生产率

#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

贷款组合质量

#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

关于MIX

#N/A

调整的

调整或重组了的财务报表

#N/A

#N/A

#N/A

指标数据

#N/A

#N/A

#N/A

货币

#N/A

数据质量评级

#N/A

#N/A

金融术语定义

#N/A

#N/A

指标定义

#N/A

#N/A

语言

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

名称

#N/A

否

#N/A

对调整和相似群体的注解

#N/A

#N/A

相似群分类

#N/A

#N/A

#N/A

调整摘要

目录

#N/A

#N/A

#N/A

未调整的资产

美元

#N/A

#N/A

#N/A

年

年度

是

#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

效率和生产率

#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

#N/A

#N/A

贷款组合质量

#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

参与机构

#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

#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

贷款组合质量

#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

参与机构

#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

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

#N/A

French Spanish Russian Portuguese

Encours brut de prêts, ajustéCartera de Préstamos AjustadaСовокупный портфель займов с учетом поправок#N/A

Provisions pour prêts irrécouvrables, ajustéesReserva para Préstamos Incobrables, AjustadaРезерв на потери по займам с учетом поправок#N/A

Encours net de prêts, ajustéCartera Neta, Ajustada Чистый портфель займов с учетом поправок#N/A

Nombre de prêts en cours, ajustéN° de Préstamos Vigentes AjustadoКоличество непогашенных займов с учетом поправок#N/A

Dot. aux prov. pour prêts irrécouv., ajustéeProvisión para Incobrables, AjustadaРасход по созданию резерва на потери по займам с учетом поправок#N/A

Ajustement Ajuste Поправка #N/A

Résumé des ajustements #N/A Общий обзор поправок #N/A

Ajustements Ajustes Поправки Ajustes

Appliqué: Aplicado: Применяется: #N/A

Total des emprunts, exercice précédentBalance de Obligaciones del Año AnteriorОбщие заимствования за прошлый год#N/A

Total des emprunts, exercice en coursBalance de Obligaciones del Año ActualОбщие заимствования за текущий год #N/A

Moyenne des emprunts, exercice en coursBalance Promedio de Obligaciones por el AñoСредние общие заимствования за год #N/A

Catégorie de subventionsCategoría de Donación Категория пожертвования #N/A

Valeur de l'ajust. pour coûts de fin. subvAjuste al Coste de Fondos ПОПРАВКА НА СУБСИДИРОВАННУЮ СТОИМОСТЬ ДЕНЕЖНЫХ СРЕДСТВ#N/A

Coûts des financements au taux commercialCoste de Fondos a Tasas ComercialesСтоимость средств по коммерческой ставке#N/A

Différence, Encours net de prêts ajusté et non-ajustéDiferencia, Cartera Bruta Ajustada y no AjustadaРазница - чистый портфель займов с учетом поправок и без учета поправок#N/A

Fonds propres, exercice précédentPatrimonio del Año Anterior Капитал за прошлый год #N/A

AJUSTEMENT POUR SUBV. EN NATUREAJUSTE POR SUBSIDIOS EN ESPECIEПОПРАВКА НА СУБСИДИИ В НАТУРАЛЬНОЙ ФОРМЕ#N/A

AJUSTEMENT POUR L'INFLATIONAJUSTE POR INFLACIÓN ПОПРАВКА НА ИНФЛЯЦИЮ #N/A

Charges sur l'ajustement pour l'inflationGasto, Ajuste por Inflación Расход на индексацию инфляции #N/A

Produits sur l'ajustement pour l'inflationIngreso, Ajuste por la InflaciónДоход от поправки на инфляцию #N/A

Intérêts versés et frais sur empruntsInterés y Comisiones Pagados por ObligacionesРасходы на выплату процентов и комиссионных по заемным средствам#N/A

AJUST. POUR PROV. POUR PRÊTS IRRÉCOUV.AJUSTE PROV. CRÉDITOS INCOBRABLESПОПРАВКА НА СОЗДАНИЕ РЕЗЕРВА НА ПОТЕРИ ПО ЗАЙМАМÍndice de Prov.de Perda sobre Emp.

AJUST. POUR PROV. POUR PRÊTS IRRÉCOUV.AJUSTE PROV. CRÉDITOS INCOBRABLESПОПРАВКА НА СОЗДАНИЕ РЕЗЕРВА НА ПОТЕРИ ПО ЗАЙМАМ#N/A

Taux d'intérêt commercial localTasa de Interés Comercial LocalМестная коммерческая процентная ставка#N/A

Valeur minimale ajustée des provisions pour prêts irrécouvrablesReserva mínima para Préstamos Incobrables, AjustadaМинимальный резерв на потери по займам с учетом поправок#N/A

Immobilisations, exercice précédentActivo Fijo del Año Anterior Основные средства за прошлый год #N/A

Nombre de prêts > 365 joursN° de Préstamos > 365 días Количество займов > 365 дней #N/A

Matériels et fournitures de bureauSuministros de la Oficina Канцтовары #N/A

Autres Otros Иные Outro

Portefeuille à risque à plus de 365 joursCréditos en Riesgo > 365 díasРиск портфеля >365 дней #N/A

Portefeuille à risque de 181 à 365 joursPréstamos Atrasados 180-360 díasРиск портфеля свыше 180-365 дней #N/A

Portefeuille à risque de 91 à 180 joursPréstamos en Riesgo 90-180 díasРиск портфеля свыше 91-180 дней #N/A

Coefficient pour provision, PAR 180-365 joursFactor de Provisión, Atrasados 180-360 díasКоэффициент резерва, PAR > 180-365 дней#N/A

Coefficient pour provision PAR 91-180 joursFactor de Provisión, Atrasados 90-180 díasКоэффициент резерва, PAR > 91-180 дней#N/A

Coefficient pour provision, prêts renégociésFactor de Provisión, Préstamos RefinanciadosКоэффициент резерва, реструктурированные займы#N/A

Ensemble des prêts renégociésPréstamos Vigentes RefinanciadosРеструктурированные займы #N/A

Loyer et chargesArriendo y Servicios PúblicosАренда и коммунальные услуги #N/A

Provision pour PAR 180-365 joursReserva para Préstamos, Atrasados 180-360 díasСумма резерва, PAR > 180-365 дней #N/A

Provision pour PAR 91-180 joursReserva para Préstamos, Atrasados 90-180 díasСумма резерва, PAR > 91-180 дней #N/A

Provision pour prêts renégociésReserva para Préstamos RefinanciadosСумма резерва, реструктурированные займы#N/A

Valeur indiquéeValor Indicado Объявленная стоимость #N/A

Total Total Всего TOTAL

Transport Transporte Транспортные расходы Transporte

Encours brut de prêts, non-ajustéCartera Bruta de Préstamos no AjustadaСовокупный портфель займов без учета поправок#N/A

Provisions pour prêts irrécouvrables, non-ajustéesReserva para Préstamos Incobrables, no AjustadaМинимальный резерв на потери по займам без учета поправок#N/A

Encours net de prêts, non-ajustéCartera Neta, no Ajustada Чистый портфель займов без учета поправок#N/A

Dot. aux prov. pour prêts irrécouv., non-ajustéeProvisión para Incobrables, Neta no AjustadaРасход по созданию резерва на потери по займам без учета поправок#N/A

AJUST. POUR LA RADIATION DES PRÊTSAJUSTE POR PRÉSTAMOS CASTIGADOSПОПРАВКА НА СПИСАНИЯ #N/A

Effet: Augmente les ch. d'exploitations, diminue le résultat opérationnel et le résultat net.Efecto: Aumenta la cuenta Total Gastos Operacionales, disminuye la cuenta Resultado de Operación.Эффект: повышает операционные расходы, снижает чистый операционный доход, чистый доход.#N/A

Effet: Diminue l'encours net de prêts et augmente la dot. aux prov. pour prêts irrécouvrables si la prov. pour prêts irrécouvrables est insuffisante pour couvrir les ajustements pour provision et pour radiation des prêts.Efecto: Disminuye la Cartera neta y aumenta la Provisión para incobrables si la Reserva para Prestamos Incobrables no es suficiente para cubrir el ajuste de la provisión y el castigo.Эффект: снижает чистый портфель займов и увеличивает чистый расход по созданию резерва на потери по займам, если резерв на потери по займам не достаточен для покрытия поправок на формирование резервов и на списания.#N/A

Effet: Diminue le résultat opérationnel et le résultat net.Efecto: Disminuye el Resultado de Operación Neto, Resultado Neto.Эффект: снижает чистый операционный доход, чистый доход.#N/A

Effet: Autre compte de fonds propres, compensant le changement du résultat netEfecto: Otra cuenta de Patrimonio que compensa el cambio en Resultado Neto.Эффект: Вводится как отдельный счет капитала, регулирует Чистый доход#N/A

Effet: Augmente les ch. financières, diminuant le résultat opérationnel et le résultat netEfecto: Aumenta el Gasto Financiero, disminuye el Resultado Operacional, Resultado Neto.Эффект: Увеличивает финансовые расходы, снижает чистый операционный доход, чистый доход.#N/A

Effet: Augmente les ch. financières, diminuant le résultat opérationnel et le résultat net (NB: si les immobilisations sont supérieures aux fonds propres, les ch. financières diminuent, augmentant le résultat opérationnel et le résultat net).Efecto: Aumenta la cuenta Gasto Financiero, y disminuye el Resultado de Operación. (Nota: Si los activos Fijos son mayores que Patrimonio, el Gasto Financiero disminuirá y el Resultado Neto aumentará).Эффект: Увеличивает финансовые расходы, снижает чистый операционный доход, чистый доход (Примечание: Если основные средства превышают сумму капитала, финансовые расходы сокращаются, увеличивая чистый операционный доход, чистый доход).#N/A

Effet: Augmente les immobilisations et l'actif totalEfecto: Aumenta las cuentas Activos Fijos y Total del Activo.Эффект: Увеличивает основные средства, общие активы.#N/A

FMI, Statistiques Financières Internationales, ligne 64LFMI, Estadísticas Financieras Internacionales, línea 60L.МВФ, Международная финансовая статистика, строка 60L#N/A

FMI, Statistiques Financières Internationales, ligne 64xFMI, Estadísticas Financieras Internacionales, línea 64x.МВФ, Международная финансовая статистика, строка 64x#N/A

Cette IMF tient compte de l'inflation et retraite les chiffres portés aux états financiers.Esta IMF utiliza contabilidad ajustada por inflaciónПримеч.: эта МФО использует метод бухучета с поправкой на инфляцию#N/A

Afghanistan Afganistán #N/A Afeganistão

Albanie Albania #N/A Albânia

Algérie Argelia #N/A Argélia

Samoa américainesSamoa Americana #N/A Samoa Americana

Andorre Andorra #N/A Andorra

Angola Angola #N/A Angola

Anguilla Anguilla #N/A Anguila

Antarctique Antártida #N/A Antárctida

Antigua-et-BarbudaAntigua y Barbuda #N/A Antígua e Barbuda

Argentine Argentina #N/A Argentina

Arménie Armenia #N/A Arménia

Aruba Aruba #N/A Aruba

Australie Australia #N/A Austrália

Autriche Austria #N/A Áustria

Azerbaïdjan Azerbaiyán #N/A Azerbaijão

Bahamas Bahamas #N/A Baamas

Bahreïn Bahrein #N/A Barém

Bangladesh Bangladesh #N/A Bangladeche

Barbade (la) Barbados #N/A Barbados

Biélorussie Bielorrusia #N/A Bielorrússia

Belgique Bélgica #N/A Bélgica

Belize Belice #N/A Belize

Bénin Benin #N/A Benim

Bermudes Bermudas #N/A Bermudas

Bhoutan Bután #N/A Butão

Bolivie Bolivia #N/A Bolívia

Bosnie et HerzégovineBosnia y Herzegovina #N/A Bósnia e Herzegovina

Botswana Botswana #N/A Botsuana

Îles Bouvet Isla Bouvet #N/A Ilha Bouvet

Brésil Brasil #N/A Brasil

Territoires Britanniques de l'océan IndienTerritorios británicos del océano Índico #N/A Território Britânico do Oceano Índico

Brunei Brunei #N/A Brunei

Bulgarie Bulgaria #N/A Bulgária

Burkina-Faso Burkina Faso #N/A Burquina Faso

Burundi Burundi #N/A Burúndi

Cambodge Camboya #N/A Camboja

Cameroun Camerún #N/A Camarões

Canada Canadá #N/A Canadá

Cap-Vert Cabo Verde #N/A Cabo Verde

Îles Caïmans Islas Caimán #N/A Ilhas Caimão

République CentrafricaineRepública Centroafricana #N/A República Centro-Africana

Tchad Chad #N/A Chade

Chili Chile #N/A Chile

Chine China #N/A China

Île Christmas Isla de Christmas #N/A Ilha do Natal

Îles Cocos-KeelingIslas de Cocos o Keeling #N/A Ilhas dos Cocos

Colombie Colombia #N/A Colômbia

Comores Comores #N/A Comores

Congo Congo #N/A Congo-Brazzaville

Congo, République duCongo, República Democrática del #N/A Congo-Kinshasa

Îles Cook Islas Cook #N/A Ilhas Cook

Costa Rica Costa Rica #N/A Costa Rica

Côte D'Ivoire Costa de Marfíl #N/A Costa do Marfim

Croatie Croacia (Hrvatska) #N/A Croácia

Cuba Cuba #N/A Cuba

Chypre Chipre #N/A Chipre

République tchèqueRepública Checa #N/A República Checa

Danemark Dinamarca #N/A Dinamarca

Djibouti Djibouti #N/A Jibuti

Dominique (la)Dominica #N/A Domínica

République DominicaineRepública Dominicana #N/A República Dominicana

Timor oriental (partie orientale)Timor Oriental #N/A Timor-Leste

Équateur (République de l')Ecuador #N/A Equador

Égypte Egipto #N/A Egipto

Salvador El Salvador #N/A Salvador

Guinée ÉquatorialeGuinea Ecuatorial #N/A Guiné Equatorial

Érythrée Eritrea #N/A Eritreia

Estonie Estonia #N/A Estónia

Éthiopie Etiopía #N/A Etiópia

Îles MalouinesIslas Malvinas #N/A Ilhas Falkland

Îles Féroé Islas Faroe #N/A Faroé

Fidji Fiji #N/A Fiji

Finlande Finlandia #N/A Finlândia

France Francia #N/A França

Guyane françaiseGuayana Francesa #N/A Guiana Francesa

Polynésie française (DOM-TOM)Polinesia Francesa #N/A Polinésia Francesa

Terres Australes françaises (DOM-TOM)Territorios franceses del Sur #N/A Territórios Austrais Franceses

Gabon Gabón #N/A Gabão

Gambie Gambia #N/A Gâmbia

Géorgie Georgia #N/A Geórgia

Allemagne Alemania #N/A Alemanha

Ghana Ghana #N/A Gana

Gibraltar Gibraltar #N/A Gibraltar

Grèce Grecia #N/A Grécia

Groenland Groenlandia #N/A Gronelândia

Grenade Granada #N/A Granada

Guadeloupe (France DOM-TOM)Guadalupe #N/A Guadalupe

Guam Guam #N/A Guame

Guatemala Guatemala #N/A Guatemala

Guinée Guinea #N/A Guiné

Guinée-BissauGuinea-Bissau #N/A Guiné-Bissau

Guyane Guayana #N/A Guiana

Haïti Haití #N/A Haiti

Îles Heard et Mc DonaldIslas Heard y McDonald #N/A Ilhas Heard e McDonald

Honduras (le) Honduras #N/A Honduras

Hong Kong, Région administrative spécialeHong Kong, ZAE de la RPC #N/A Hong Kong

Hongrie Hungría #N/A Hungria

Islande Islandia #N/A Islândia

Inde India #N/A Índia

Indonésie Indonesia #N/A Indonésia

Iran Irán #N/A Irão

Irak Irak #N/A Iraque

Irlande Irlanda #N/A Irlanda

Israël Israel #N/A Israel

Italie Italia #N/A Itália

Jamaïque Jamaica #N/A Jamaica

Japon Japón #N/A Japão

Jordanie Jordania #N/A Jordânia

Kazakhstan Kazajistán #N/A Cazaquistão

Kenya Kenia #N/A Quénia

Kiribati Kiribati #N/A Quiribáti

Corée Corea #N/A Coreia do Sul

Corée du NordCorea del Norte #N/A Coreia do Norte

Kosovo Kosovo #N/A Kosovo

Koweït Kuwait #N/A Kuwait

Kirghizistan Kirguizistán #N/A Quirguizistão

République démocratique populaire du LaosLaos #N/A Laos

Lettonie Letonia #N/A Letónia

Liban Líbano #N/A Líbano

Lesotho Lesotho #N/A Lesoto

Liberia Liberia #N/A Libéria

Jamahiriya arabe libyenne (Lybie)Libia #N/A Líbia

Liechtenstein Liechtenstein #N/A Listenstaine

Lituanie Lituania #N/A Lituânia

Luxembourg Luxemburgo #N/A Luxemburgo

Macao Macao #N/A Macau

Macédoine, Ex-République yougoslave deMacedonia, Ex-República Yugoslava de #N/A Macedónia

Madagascar Madagascar #N/A Madagáscar

Malawi Malawi #N/A Malávi

Malaisie Malasia #N/A Malásia

Maldives Maldivas #N/A Maldivas

Mali Malí #N/A Mali

Malte Malta #N/A Malta

Îles Marshall Islas Marshall #N/A Ilhas Marshall

Martinique (France DOM-TOM)Martinica #N/A Martinica

Mauritanie Mauritania #N/A Mauritânia

Île Maurice Mauricio #N/A Maurícia

Mayotte Mayotte #N/A Mayotte

Mexique México #N/A México

Micronésie Micronesia #N/A Micronésia

Moldavie Moldavia #N/A Moldávia

Monaco Mónaco #N/A Mónaco

Mongolie Mongolia #N/A Mongólia

Montenegro #N/A #N/A Montenegro

Montserrat Montserrat #N/A Monserrate

Maroc Marruecos #N/A Marrocos

Mozambique Mozambique #N/A Moçambique

Myanmar (Union de)Birmania #N/A Birmânia

Namibie Namibia #N/A Namíbia

Nauru (République de)Nauru #N/A Nauru

Népal Nepal #N/A Nepal

Antilles néerlandaisesAntillas Holandesas #N/A Antilhas Neerlandesas

Pays-Bas Países Bajos #N/A Países Baixos

Nouvelle CalédonieNueva Caledonia #N/A Nova Caledónia

Nouvelle ZélandeNueva Zelanda #N/A Nova Zelândia

Nicaragua Nicaragua #N/A Nicarágua

Niger Níger #N/A Níger

Nigéria Nigeria #N/A Nigéria

Niue Niue #N/A Niue

Île de Norfolk Norfolk #N/A Ilha Norfolk

Mariannes du Nord (Îles du Commonwealth)Islas Marianas del Norte #N/A Marianas do Norte

Norvège Noruega #N/A Noruega

Oman Omán #N/A Omã

Pakistan Paquistán #N/A Paquistão

Palau Islas Palau #N/A Palau

Palestine Palestine #N/A Palestina

Panama Panamá #N/A Panamá

Papouasie Nouvelle-GuinéePapúa Nueva Guinea #N/A Papua-Nova Guiné

Paraguay Paraguay #N/A Paraguai

Pérou Perú #N/A Peru

Philippines Filipinas #N/A Filipinas

Pitcairn (Îles) Pitcairn #N/A Pitcairn

Pologne Polonia #N/A Polónia

Portugal Portugal #N/A Portugal

Porto Rico Puerto Rico #N/A Porto Rico

Qatar Qatar #N/A Catar

Réunion (Île de la)Reunión #N/A Reunião

Roumanie Rumania #N/A Roménia

Fédération de RussieRusia #N/A Rússia

Rwanda Ruanda #N/A Ruanda

Sainte HélèneSanta Helena #N/A Santa Helena

St Christopher et Nevis (Îles)Saint Kitts y Nevis #N/A São Cristóvão e Neves

Saint-Lucie Santa Lucía #N/A Santa Lúcia

Saint-Pierre-et-Miquelon (France DOM-TOM)St. Pierre y Miquelon #N/A São Pedro e Miquelon

Saint-Vincent et les GrenadinesSan Vicente y Granadinas #N/A São Vicente e Granadinas

Samoa Samoa #N/A Samoa

Saint-Marin San Marino #N/A São Marinho

Sâo Tomé et PrinceSanto Tomé y Príncipe #N/A São Tomé e Príncipe

Arabie SaouditeArabia Saudí #N/A Arábia Saudita

Sénégal Senegal #N/A Senegal

Serbie et MontenegroSerbia 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 República Eslovaca #N/A Eslováquia

Slovénie Eslovenia #N/A Eslovénia

Îles Salomon Islas Salomón #N/A Ilhas Salomão

Somalie Somalia #N/A Somália

Afrique du SudRepública de Sudáfrica #N/A África do Sul

Géorgie du Sud et Sandwich du Sud (ÎIes)Georgia del Sur y las islas Sandwich del Sur #N/A Geórgia do Sul e Sandwich do Sul

Espagne España #N/A Espanha

Sri Lanka Sri Lanka #N/A Sri Lanca

Soudan Sudán #N/A Sudão

Suriname Surinam #N/A Suriname

Île Svalbard et Jan MayenIslas Svalbard y Jan Mayen #N/A Svalbard e Jan Mayen

Swaziland Suazilandia #N/A Suazilândia

Suède Suecia #N/A Suécia

Suisse Suiza #N/A Suíça

République arabe syrienneSiria #N/A Síria

Taiwan Taiwán #N/A Taiwan

Tajikistan Tayikistán #N/A Tajiquistão

Tanzanie Tanzania #N/A Tanzânia

Thaïlande Tailandia #N/A Tailândia

Togo Togo #N/A Togo

Îles Tokelau Islas Tokelau #N/A Tokelau

Tonga Tonga #N/A Tonga

Trinité-et-TobagoTrinidad y Tobago #N/A Trindade e Tobago

Tunisie Túnez #N/A Tunísia

Turquie Turquía #N/A Turquia

Turkménistan Turkmenistán #N/A Turquemenistão

Îles Turks et CaïcosIslas Turks y Caicos #N/A Ilhas Turcas e Caicos

Tuvalu (Îles) Tuvalu #N/A Tuvalu

Ouganda Uganda #N/A Uganda

Ukraine Ucrania #N/A Ucrânia

Émirats Arabes UnisEmiratos Árabes Unidos #N/A Emiratos Árabes Unidos

Royaume-Uni Reino Unido #N/A Reino Unido

États-Unis Estados Unidos #N/A Estados Unidos

Dépendances américaines du PacifiqueIslas menores de Estados Unidos #N/A Ilhas Menores Distantes dos Estados Unidos

Uruguay Uruguay #N/A Uruguai

Ouzbékistän Uzbekistán #N/A Usbequistão

Vanuatu (République de)Vanuatu #N/A Vanuatu

État de la cité du VaticanCiudad del Vaticano (Santa Sede) #N/A Vaticano

Venezuela Venezuela #N/A Venezuela

Vietnam Vietnam #N/A Vietname

Îles Vierges britanniquesIslas Vírgenes (Reino Unido) #N/A Ilhas Virgens Britânicas

Îles Vierges américainesIslas Vírgenes (EE.UU.) #N/A Ilhas Virgens Americanas

Wallis et FutunaIslas Wallis y Futuna #N/A Wallis e Futuna

Yémen Yemen #N/A Iémen

Yougoslavie Yugoslavia #N/A Sérvia e Montenegro

Zambie Zambia #N/A Zâmbia

Zimbabwe Zimbabue #N/A Zimbabué

Afghanistan - AfghaniAfghanistán - Afghani #N/A #N/A

Albanie - Lek Albania - Lek #N/A Lek

Algérie - DinarArgelia - Dinar #N/A Dinar Argelino

Andorra - FrancAndorra - Franco #N/A Franco de Andorra

Andorra - PesetaAndorra - Peseta #N/A Peseta de Andorra

Angola - KwanzaAngola - Kwanza #N/A Kwanza Novo

Argentine - PesoArgentina - Peso #N/A Peso Argentino

#N/A #N/A #N/A Dram

Aruba - Florin Aruba - Florín #N/A Florim De Aruba

Australie - DollarAustralia - Dólar #N/A Dólar Australiano

Autriche - ShillingAustria - Chelín #N/A Schilling Austriano

#N/A #N/A #N/A Manat Azerbaijanês

Bahamas - DollarBahamas - Dólar #N/A Dólar Das Baamas

Bahreín - DinarBahráin - Dinar #N/A Dinar Do Barém

Bangladesh - TakaBangladesh - Taka #N/A Taka

Barbade - DollarBarbados - Dólar #N/A Dólar De Barbados

Rouble Biélorusse #N/A #N/A Rublo Bielorrusso

Rouble BiélorusseBelarus Rubl #N/A Rublo Bielorrusso

Belgique - FrancBélgica - Franco #N/A Franco Belga

Belize - DollarBelice - Dólar #N/A Dólar Do Belize

Bermudes - DollarBermudas - Dólar #N/A Dólar Das Bermudas

Bhoutan - NgultrumBután - Ngultrum #N/A Ngultrum

Bolivie - BolivianoBolivia - Boliviano #N/A Boliviano

#N/A #N/A #N/A Marco Bósnio-Herzegovino Convertível

Botswana - PulaBotsuana - Pula #N/A Pula

Brésil - Real Brasil - Real #N/A Real

Royaume Uni - LivreInglaterra - Libra #N/A Libra Esterlina

Bruneï - DollarBrunéi - Dólar #N/A Dólar Do Brunei

Bulgarie - LevBulgaria - Lev #N/A Lev Do Bulgária

Burundi - FrancBurundi - Franc #N/A Franco Do Burúndi

Cambodge - RielCamboya - Riel #N/A Riel

Canada - DollarCanadá - Dólar #N/A Dólar Canadiano

Cap Vert - EscudoCabo Verde - Escudo #N/A Escudo De Cabo Verde

Iles Cayman - DollarIslas Caimánes - Dólar #N/A Dólar Das Ilhas Caimão

#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 YuanChina - Renmimbi Yuan #N/A Yuan Renminbi

Colombie - PesoColombia - Peso #N/A Peso Colombiano

Comores - FrancComoras - Franco #N/A Franco Das Comores

Costa Rica - ColonCosta Rica - Colón #N/A Colón Da Costa Rica

Croatie - KunaCroacia - Kuna #N/A Kuna

Cuba - Peso Cuba - Peso #N/A Peso Cubano

Chypre - LivreChipre - Libra #N/A Libra Cipriota

Tchèquie - CouronneChecia - Corona #N/A Koruna

Danemark - CouronneDinamarca - Corona #N/A Coroa Dinamarquesa

Djibouti - FrancYibuti - Franco #N/A Franco Do Jibuti

Rep.Dominicaine - PesoRep.Dominicana - Peso #N/A Peso Dominicano

Pays-Bas - FlorinHolanda - Florín #N/A #N/A

#N/A #N/A #N/A Dólar Das Caraíbas Orientais

Equateur - SucreEcuador - Sucre #N/A #N/A

Egypte - LivreEgipto - Libra #N/A Libra Egípcia

El Salvador - ColonEl Salvador - Colón #N/A Dólar Americano; Colón Do Salvador

Estonie - CouronneEstonia - Corona #N/A Coroa Estónia

Ethiopie - Birr Etiopía - Birr #N/A Birr

Iles Falkland - LivreIslas Malvinas - Libra #N/A Libra Das Falkland

Fidji - Dollar Fiyi - Dólar #N/A Dólar Das Ilhas Fiji

Finlande - MarkFinlandia - Marco #N/A #N/A

France - FrancFrancia - Franco #N/A #N/A

Gambie - DalasiGambia - Dalasi #N/A Dalasi

#N/A #N/A #N/A Lari

Allemagne - MarkAlemania - Marco #N/A Mark Alemão

Ghana - Cedi Ghana - Cedi #N/A Cedi

Gibraltar - LivreGibraltar - Libra #N/A Libra Gibraltina

Grèce - DrachmeGrecia - Dracma #N/A #N/A

Guatemala - QuetzalGuatemala - Quetzal #N/A Quetzal

Guinée - FrancGuinea - Franco #N/A Franco Guineense

Guyane - DollarGuyana - Dólar #N/A Dólar Da Guiana

Haïti - GourdeHaití - Gourde #N/A Gurde

Honduras - LempiraHonduras - Lempira #N/A Lempira

Hong Kong - DollarHong Kong Dólar #N/A Dólar De Hong Kong

Hongrie - ForintHungría - Forint #N/A Forint

Islande - CouronneIslandia - Corona #N/A Coroa Islandesa

Inde - Roupie India - Rupia #N/A Rupia Indiana

Indonésie - RupiahIndonesia - Rupia #N/A Rupia Indonésia

Iran - Rial Irán - Rial #N/A Rial Iraniano

Irak - Dinar Iraq - Dinar #N/A Dinar Iraquiano

Irlande - Livre Irlanda - Libra #N/A #N/A

Israël - Noveau ShékelIsrael - Nuevo Shekel #N/A Novo Shekel

Italie - Lire Italia - Lira #N/A #N/A

Jamaïque - DollarJamaica - Dólar #N/A Dólar Jamaicano

Japon - Yen Japón - Yen #N/A Iene

Jordanie - DinarJordania - Dinar #N/A Dinar Jordano

Kazakstan - TengeKazajstán - Tenge #N/A Tenge

Kenya - ShillingKenia - Chelín #N/A Xelim Queniano

Koweït - 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 Líbano - Libra #N/A Libra Libanesa

Lesotho - Loti Lesoto - Loti #N/A Loti

Libéria - DollarLibéria - Dólar #N/A Dólar Liberiano

Libye - Dinar Libia - Dinar #N/A Dinar Líbio

Lituanie - LitasLetónia - Litas #N/A Litas

Luxembourg - FrancLuxemburgo - Franco #N/A #N/A

Macao - PatacaMacao - Pataca #N/A Pataca

Madagascar - FrancMálaga - Franco #N/A Franc de Madagascar

Malawi - KwachaMalaui - Kwacha #N/A Kwacha Do Malávi

Malaisie - RinggitMalasia - Ringgit #N/A Ringgit

Maldives - RufiyaaMaledivas - Rupia #N/A Rupia Das Maldivas

Malta - Lire Malta - Lira #N/A Lira Maltesa

Mauritanie - OuguiyaMauritania - Ouguiya #N/A Ouguiya

Maurice - RoupieMauricio - Rupia #N/A Rupia Da Maurícia

Mexique - PesoMéxico - Peso #N/A Peso Mexicano

#N/A #N/A #N/A Leu Moldavo

Mongolie - TugrikMongolia - Tugrik #N/A Tugrik

Maroc - DirhamMarruecos - Dirham #N/A Dirham Marroquino

Mozambique - MeticalMozambique - Metical #N/A Metical

Myanmar - KyatMyanmar - Kyat #N/A Kyat

Namibie - DollarNamibia - Dólar #N/A Dólar Da Namíbia; Rand Sul-Africano

Népal - RoupieNepal - Rupia #N/A Rupia Nepalesa

Nouvelle Zélande - DollarNueva Zelanda - Dólar #N/A Dólar Neozelandês

Nicaragua - Cordoba OroNicaragua - Córdoba #N/A Córdoba

Nigéria - NairaNigeria - Naira #N/A Naira

Antilles NL - FlorinAntillas Holandesas - Florín #N/A Florim Das Antilhas Neerlandesas

Corée de Nord - WonCorea del Norte - Won #N/A Won Norte-Coreano

Norvège - CouronneNoruega - Corona #N/A Coroa Norueguesa

Oman - Rial Omán - Rial #N/A Rial De Omã

Pakistan - RoupiePakistán - Rupia #N/A Rupia Paquistanesa

Panama - BalboaPanamá - Balboa #N/A Balboa

Papouasie-Nouvelle Guinée - KinaPapúa Nueva Guinea - Kina #N/A Kina

Paraguay - GuaraniParaguay - Guaraní #N/A Guarani

Pérou - Sol Perú - Nuevo Sol #N/A Novo Sol

#N/A #N/A #N/A Peso Uruguaio (UYU)

Philippines - PesoFilipinas - Peso #N/A Peso Filipino

Pologne - ZlotyPolonia - Zloty #N/A Zlóti

Portugal - EscudoPortugal - Escudo #N/A Escudo Português

Qatar - Rial Qatar - Rial #N/A Rial Do Catar

Roumanie - LeuRumanía - Leu #N/A Leu Romeno

Russie - RoubleRusia - Rublo #N/A Rublo

#N/A #N/A #N/A Franco Ruandês

Samoa - Tala Samoa - Tala #N/A Tala

São Tomé/Principe - DobraSanto Tomé/Príncipe - Dobra #N/A Dobra

Arabie Saoudite - RiyalArabia Saudí - Rial #N/A Rial Saudita

Seychelles - RoupieSeychelles - Rupia #N/A Rupia Das Seicheles

Siera Leone - LeoneSierra Leona - Leone #N/A Leone

Singapour - DollarSingapur - Dólar #N/A Dólar De Singapura

Slovaquie - CouronneEslovaquia - Corona #N/A Coroa Eslovaca

Slovénie - TolarEslovenia - Tólar #N/A Tolar

Iles Salomon - DollarIslas Salomón - Dólar #N/A Dólar Das Ilhas Salomão

Somalie - ShillingSomalia - Chelín #N/A Xelim Somaliano

Afrique du Sud - RandSuráfrica - Rand #N/A Rand

Corée du Sud - WonCorea del Sur - Won #N/A Won Sul-Coreano

Espagne - PesetaEspaña - Peseta #N/A Peseta Espanola

Sri Lanka - RoupieSri Lanka - Rupia #N/A Rupia Do Sri Lanca

Sainte-Hélène - LivreSanta Elena - Libra #N/A Libra De Santa Helena

Soudan - DinarSudán - Dinar #N/A Dinar Sudanês

Soudan - LivreSudán - Libra #N/A Libra de Sudan

Surinam - FlorinSurinam - Florín #N/A Florim Do Suriname

Swaziland - LilangeniSuazilandia - Lilangeni #N/A Lilangeni

Suède - CouronneSuecia - Corona #N/A Coroa Sueca

Suisse - FrancSuiza - Franco #N/A Franco Suíço

Syrie - Livre Siria - Libra #N/A Libra Síria

Taïwan - DollarTaiwan - Dólar #N/A Novo Dólar De Taiwan

#N/A #N/A #N/A Somoni

Tanzanie - ShillingTanzania - Chelín #N/A Xelim Tanzaniano

Thaïlande - BahtTailandia - Baht #N/A Baht

Tonga - Pa'angaTonga - Pa'anga #N/A Pa'anga

Trinidad/Tobago - DollarTrinidad/Tobago - Dólar #N/A Dólar De Trindade E Tobago

Tunisie - DinarTúnez - Dinar #N/A Dinar Tunisino

Turquie - Lire Turquía - Lira #N/A Lira Turca

#N/A #N/A #N/A Manat Turquemenistanês

Ouganda - ShillingUganda - Chelín #N/A Xelim Ugandês

Ukraine - HryvniaUcrania - Jrivnia #N/A Hryvnia

Uruguay - PesoUruguay - Peso #N/A Peso Uruguaio (UYP)

Dollars US US Dólar Доллар США Dólar Americano

Emir. Arab. Uni. - DirhamEmir. árab. Uni. - Dirham #N/A Dirham Dos Emiratos Árabes Unidos

#N/A #N/A #N/A Sum

Vanuatu - VatuVanuatu - Vatu #N/A Vatu

Vénézuela - BolivarVenezuela - Bolívar #N/A Bolívar

Vietnam - DongVietnam - Dong #N/A Dong

#N/A #N/A #N/A Rial Iemenita

Yougoslavie - DinarYugoslavia - Dinaro #N/A Dinar (Jugoslávia)

#N/A #N/A #N/A Dinars Novos (Jugoslávia)

Zambie - KwachaZambia - Kwacha #N/A Kwacha Da Zâmbia

Zimbabwe - DollarZimbabue - Dólar #N/A Dólar Do Zimbabué

Taux d'intérêt sur comptes de dépôtsTasa de Depósito Ставка по депозитам #N/A

Pénétration des circuits financiersPenetración Financiera Финансовая глубина #N/A

Taux de croissance du PIBTasa de Crecimiento del PIB Темпы роста ВВП #N/A

PNB par habitantPNB per Cápita ВНД на душу нас. #N/A

Taux d'inflationTasa de Inflación Инфляция Taxa de inflação

INDICATEURS MACRO-ÉCONOMIQUESINDICADORES MACROECONÓMICOSМАКРОЭКОНОМИЧЕСКИЕ ПОКАЗАТЕЛИ#N/A

Changement dans le cours des prix à la consommation (FMI/International Financial Statistics)Variación Anual en el Índice de Precios al Consumir promedio (FMI / Estadísticas Financieras Internacionales)#N/A #N/A

Croissance annuelle du total des produits et services sur l'ensemble du territoire d'un pays donné (World Development Indicators)Crecimiento anual en la Producción total de bienes y servicios en el territorio de un país dado (Indicatodores de Desarrollo Mundial)#N/A #N/A

Moyenne annuellePromedio anual Средн. #N/A

Taux d'intérêt proposé aux clients nationaux pour les dépôts à vue ou à terme (FMI/International Financial Statistics)Tasa de Interés ofrecida a los residentes para depósitos a la vista, ahorro o plazo (FMI / Estadísticas Financieras Internacionales)#N/A #N/A

M3/ PIB M3/ PIB M3/ ВВП #N/A

Masse monétaire comprenant les devises, les dépôts, et les devises électroniques (M3) / PIB, et qui mesure la monétisation de l'économie (FMI/International Financial Statistics)Agregado monetario incluyendo el efectivo, Depósitos y Dinero electrónico (M3) / PIB medido por la monetización de la economía (FMI / Estadísticas Financieras Internacionales)#N/A #N/A

Revenu total généré par les ressortissants d'un pays / Nombre total des ressortissants (World Development Indicators)Ingreso total generado por los residentes de un país, no importando su localización/ Población Total (Indicatodores de Desarrollo Mundial)#N/A #N/A

MÉTHODES COMPTABLESMÉTODOS DE CONTABILIDADAccounting Methods #N/A

Votre institution peut-elle distinguer les dettes à long terme des dettes à court terme?¿Puede descomponer las obligaciones entre corto y largo plazo?Можете ли вы сделать разбивку невыплаченных обязательств на краткосрочные и долгосрочные?#N/A

Votre institution peut-elle distinguer l'actif à long terme de l'actif à court terme?¿Puede descomponer la cartera bruta de préstamos entre la cartera bruta de largo y corto plazo?Может ли ваша организация сделать разбивку общих активов на краткосрочные и долгосрочные активы?#N/A

Décrivez les réserves éventuelles apparaissant dans vos états financiersDescriba cualquier reserva que usted haya puesto en su estado financiero:Опишите резервные счета, которые в балансовом отчете включены в собственный капитал.#N/A

#N/A #N/A #N/A #N/A

Les chiffres portés à vos états financiers audités et/ou fournis par l'institution sont-ils réajustés pour tenir compte de l'inflation, et si 'oui', comment?¿Ajusta su programa las cuentas por el efecto de la inflación en sus estados financieros auditados y/o en la información financiera que nos ha proporcionado?Вносятся ли поправки с учетом эффекта инфляции в прошедшие аудит финансовые отчеты и/или в финансовую информацию, которую вы представили нам, и если вносятся, то как?#N/A

Quel type de comptabilité votre institution utilise-t-elle (comptabilité réelle ou par engagements), et sur quels comptes respectivement?¿Qué tipo de contabilidad utiliza su programa, (base efectivo o devengado), cuales son las cuentas que se tratan según cada sistema?Используется ли кассовый метод или метод начисления? По каким счетам учет ведется на той или иной основе?#N/A

#N/A Separación de todas las cuentas del activo entre los montos con vencimiento dentro y luego de 12 meses#N/A #N/A

#N/A Separación 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

Vérification finaleRevisión Final #N/A #N/A

Remarques Comentarios #N/A #N/A

Prière de revoir - le nombre de prêts en cours est différent de celui indiqué dans la partie 'Produits et Clients'Favor de revisar - el número de préstamos no cuadra con el número listado en la sección de "Productos y Clientes."#N/A #N/A

Prière de revoir - ceci est différent au total des emprunts indiqué au BilanFavor de revisar - No cuadra con el total del pasivo listado en el Balance General#N/A #N/A

Prière de revoir - ce montant est différent de celui indiquée au Compte de RésultatsFavor de revisar - no es igual a la Provisión de Incobrables en el Estado de Resultados#N/A #N/A

Prière de revoir - ce montant est différent de celui indiquée au BilanFavor de revisar - no es igual a la reserva de préstamos incobrables en el BG#N/A #N/A

Prière de revoir - cette information n'est pas entièrement compatible avec la différence de personnel entre l'année dernière et cette annéeFavor de revisar - no es consistente con la diferencia entre personal del año actual y del año anterior#N/A #N/A

Prière de revoir - cette information n'est pas compatible avec les charges de personnel indiquées au Compte de RésultatsFavor de revisar - no es igual a la información de personal en Estado de Resultados#N/A #N/A

Prière de revoir - ce montant est différent de l'encours brut de prêts indiqué au BilanFavor de revisar - esta cifra es distinta a la cartera bruta de préstamos del Balance General#N/A #N/A

Prière de revoir - ceci n'est pas entièrement compatible avec les informations ci-dessusFavor de revisar - no es consistente con la información arriba#N/A #N/A

Prière de revoir - l'actif total n'est pas égal aux dettes et fonds propres au BilanFavor 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

Prière de revoir - votre Bilan indique de l'épargne volontaire alors que vous n'avez pas indiqué d'épargnants volontairesFavor de revisar - Ahorros voluntarios aparecen en el Estado de Balance pero no han sido listados clientes de ahorros voluntarios#N/A #N/A

Prière de revoir - vous avez indiqué des épargnants volontaires alors que votre Bilan n'indique pas d'épargne volontaireFavor de revisar - Ha listado clientes de ahorros voluntarios pero no aparecen ahorros voluntarios en el Balance General#N/A #N/A

Prière de revoir - le nombre total de clients excéde la somme d'épargnants, d'emprunteurs et d'autres clientsFavor de revisar - el total de clientes excede la suma de ahorristas, prestatarios y clientes de otros productos#N/A #N/A

Inconsistance potentielleFalta de correspondencia potencial #N/A #N/A

#N/A #N/A #N/A #N/A

Le salaire moyen des employés n'est pas compatible avec le nombre d'employés indiqué dans la partie 'Infrastructure' et les charges de personnel indiquées au Compte de RésultatsEl salario anual del personal no es consistente con el número de personal listado en "Infraestructura" y el gasto de personal en el estado de resultados#N/A #N/A

La différence entre le nombre d'employés cette année et celui de l'année précédente n'est pas compatible avec le nombre d'employés qui ont été embauchés ou qui ont quitté l'institutionLa diferencia entre el personal del año anterior y del año 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 prêts indiqué dans la partie 'Rapport du portefeuille' n'est pas égal à celui indiqué au BilanLa 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 prêts indiquée dans la partie 'Rapport du portefeuille' n'est pas égale à celle indiquée au Compte de RésultatsLa provisión para incobrables en el informe de la cartera es distinta a la provisión para incobrables en el Balance General#N/A #N/A

La provision pour pertes sur prêts indiquée dans la partie 'Rapport du portefeuille' n'est pas égale à celle indiquée au BilanLa reserva para préstamos incobrables del Informe de la Cartera no corresponde con la reserva para préstamos incobrables en el Balance General#N/A #N/A

Le nombre de prêts en cours indiqué dans la partie 'Rapport du portefeuille' n'est pas égal à celui indiqué dans la partie 'Produits et Clients'Favor de revisar - el número de préstamos del "Informe de la Cartera" no cuadra con el número listado en la sección de "Productos y Clientes."#N/A #N/A

Le nombre total de clients dépasse la somme d'épargnants, d'emprunteurs et d'autres clientsEl número total de clientes excede la suma de ahorristas, prestatarios y clientes de otros productos#N/A #N/A

Le total des emprunts indiqué dans la partie 'Analyse des emprunts' n'est pas égal au montant indiqué dans le compte 'Total des emprunts' au BilanEl total del pasivo en "Análisis de Obligaciones" no equivale el total del pasivo en el Balance General#N/A #N/A

Le montant des prêts rayés du portefeuille indiqué dans le 'Rapport du portefeuille' n'est pas égal à la [provision pour pertes sur prêts de l'année précédente + dotations aux provisions pour pertes sur prêts de l'année en cours - provision pour pertes sur prêts de l'année en cours]Los préstamos castigados en el Informe de la Cartera no equivalen (Reserva para préstamos incobrables del año anterior + la Provisión para incobrables del año en curso - la Reserva para préstamos incobrables del año en curso)#N/A #N/A

L'actif total n'est pas égal à la somme des dettes et fonds propres au BilanEl Total del Activo no cuadra con a la suma de Total del Pasivo y el Total de Patrimonio#N/A #N/A

L'épargne volontaire apparaît au Bilan alors qu'aucun épargnant volontaire n'a été indiqué 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 épargnants volontaires ont été indiqués dans la partie 'Produits et clients' alors que l'épargne volontaire n'apparaît pas au BilanClientes de ahorros voluntarios han sido listados pero no aparecen ahorros voluntarios en el Balance General#N/A #N/A

#N/A #N/A *** Вы можете предоставить любые дополнительные документы по вашему желанию: годовой отчет, брошюры, исследования воздействия, финансовый отчет с заключением аудитора (включая заключение аудитора и комментарии), рейтинговый оценки, экспертные оценки, и т.д. ***#N/A

#N/A #N/A Осуществляли ли вы рейтинговую оценку?#N/A

#N/A #N/A Проводили ли вы аудит вашей финансовой отчетности?#N/A

#N/A #N/A Если да, кто проводил аудит? #N/A

#N/A #N/A Другое, пожалуйста, уточните #N/A

Devise Moneda Валюта #N/A

Fin (jj/mm/aaaa)Fin: dd/mm/aaaa: Окончание (день/месяц/год): #N/A

Taux de changeTasa de Cambio Обменный курс Câmbio

#N/A #N/A Окончание финансового года #N/A

Année fiscale à analyserAño financiero para ser analizadoАнализируемый финансовый год #N/A

Présentation Información General Общая информация #N/A

Nom de l'IMF Nombre de la IMF: Название МФО: #N/A

Non No Нет. Não

Début (jj/mm/aaaa)Inicio: dd/mm/aaaa: Начало (день/месяц/год): #N/A

Unité de la deviseUnidad de Moneda Единица валюты #N/A

Oui Sí Да Sim

Tous les employés devraient être exprimés en équivalence au plein-temps (veuillez additionner les heures des employés à temps partiel, et calculer l’équivalence d'employés à plein temps dont l’institution aurait eu besoin pour couvrir ces même heures)Todo el personal debe ser incluido en el equivalente de tiempo completo (p.ej. las horas de trabajadores a tiempo parcial deberían ser acumuladas, y deberían calcular el número de trabajadores completos que serían necesarios para hacer un trabajo equivalente).Все сотрудники должны быть представлены в пересчете на полную ставку (напр.если несколько сотрудников работают на частичную ставку, следует подсчитать, сколько на их место потребовалось бы сотрудников на полную ставку).#N/A

Salaire moyen annuel, tous salariés confondus (inclue les primes, bénéfices, et autres charges sociales, exprimé dans la devise décrite dans la partie 'Présentation')Promedio del salario anual y prestaciones por empleado (expresados en la moneda y unidad escritas en Información GeneralСреднегодовая зарплата и пособия на одного сотрудника – по всем категориям персонала (выразить в валюте, указанной в Общей информации)#N/A

Niveau succursaleNivel de las sucursales Отделение #N/A

Ces données représentent-elles toutes les personnes qui contribuent à vos opérations, incluant les volontaires, employés à temps partiel, et employés à temps plein?¿Estas cifras representan todos los recursos humanos que utilizan, incluso voluntarios, personal de tiempo parcial y a tiempo completo?Отражают ли эти цифры общее число людей, помогавших вашей деятельности - включая добровольцев, сотрудников на частичную и на полную ставку?#N/A

Siège Oficina central Головной офис Matriz

Combien de bureaux?¿Cuantas oficinas? Сколько офисов? #N/A

Combien d'employés y a t-il à chaque niveau de l'infrastructure de l'institution?¿Que representa la infraestructura de la IMF a cada nivel en relación al personal (número de personal, puesto, etc.)?Сколько сотрудников у МФО на каждом уровне структуры?#N/A

Infrastructure Infraestructura Структура #N/A

Grandes villesCiudades grandes Крупные города #N/A

Nombre d'agents de terrain (employés qui ont un contact direct avec les clients) à la fin de l'année fiscaleNúmero de personal de primera línea (los con contactos con los clientes) al fin de añoЧисло сотрудников, вступающих в непосредственный контакт с клиентами. на конец года#N/A

Nombre d'employés qui ont été embauchés au cours de l'année fiscaleNúmero de empleados contratados durante el año financieroКоличество сотрудников, нанятых в течение года#N/A

Nombre d'employés qui ont démissionné ou ont été licenciés au cours de l'année fiscaleNúmero de empleados renunciados o despedidos durante el año financieroКоличество сотрудников, уволившихся в течение года#N/A

Nombre d'employés à la fin de l'année fiscaleNúmero de empleados al fin de añoКоличество сотрудников на конец года #N/A

Pourcentage du (budget annuel consacré à la formation du personnel/charges d'exploitation totales)Porcentaje del (presupuesto anual para capacitación del personal / gastos operacionales)Процент от (годового бюджета на обучение персонала/операционные расходы)#N/A

Pourcentage de clients à chaque endroitPorcentaje total de los clientes en cada ubicación:Процент клиентов для каждой территории:#N/A

Veuillez nous fournir des informations sur le personnel de l'institutionFavor de proveer información respecto al personalПредоставьте информацию о штате сотрудников#N/A

Niveau bureau régionalNivel de la oficina regional Уровень региональных представительств#N/A

Zones rurales Zonas rurales Сельские районы #N/A

Petites/moy. villesCiudades peq. Малые города/поселки городского типа#N/A

Structure Estructura Structure #N/A

Niveau agence/unitéNivel de las agencias Подразделение #N/A

Catégorie Categoría Категория #N/A

Cocher ici si l'institution ne reçoit pas de dons en natureFavor de marcar la casilla si su institución no recibe subsidios en especieПоставить галочку, если организация не получает субсидий в натуральном выражении#N/A

Votre institution a-t-elle utilisé des biens ou des équipements appartenant à une autre institution, et qui n'apparaissent pas sur vos états financiers (comme des bureaux, des ordinateurs, des véhicules, etc.)?¿Usó su programa alguna propiedad o equipo que pertenece a alguna otra institución y no fue contabilizado en su estado financiero (por ejemplo, una oficina, computadora, vehículo etc.)?Использует ли ваша программа какое-либо имущество или оборудование, принадлежащее другим и не состоящее на вашем балансе (напр.офисное помещение, компьютер, транспортные средства и др.)?#N/A

Utilisation Como fue utilizado Как использовалась #N/A

Si 'oui', quelles fonctions ont-ils rempli et comment ont-ils contribué à vos operations?Si la respuesta es si, explíquenos que trabajo realizaron y como contribuyeron a las operacionesЕсли да, поясните, какие функции они выполняли и какой вклад внесли в вашу деятельность.#N/A

Si oui, dans quelle catégorie appartiennent ces biens/équipements, quelle valeur ont-ils représenté, et quelle en fut l'utilisation pour vos opérations?Si la respuesta es si, explíquenos que tipo de equipo o propiedad, el valor a la institución y como fue usado para sus operacionesЕсли да, поясните, какая категория имущества/оборудования сюда относятся, какова их ценность для организации и как они используются#N/A

Analyse des dons en natureSubsidios en Especie Субсидии в натуральном выражениSubsídios em espécie


Analyse des subventions d'exploitationAnálisis del subsidio operacionalАнализ операционной субсидии #N/A


Veuillez répondre aux questions suivantes afin de déterminer si votre institution a reçu des subventions opérationnelles (dons en nature) pendant cette année fiscaleFavor de leer la siguiente información para determinar si su institución recibió un subsidio en especie operacional para este año financieroПрочитайте следующие вопросы, чтобы установить, получала ли ваша организация операционные субсидии в натуральном виде в течении финансового года#N/A



Valeur de la subvention/don à l'institutionValor de subsidio/donación a la instituciónВеличина стоимости субсидии/пожертвования для организации#N/A

La rémunération de certains de vos cadres de direction ou cadres administratifs a-t-elle été directement prise en charge par un donateur, sans entrer de ce fait dans la masse salariale indiquée au Compte de Résultats?¿Hubo algún gerente operacional o personal administrativo pagado por un donante que no fue incluido en el Estado de Resultados?Была ли оплачена работа руководящего или операционного персонала из донорских средств, не включенных в отчет о доходах?#N/A

Quel a été le montant de leurs salaires pour l'année fiscale en cours se terminant au¿Cuál fue el monto de sus salarios durante el año analizado?Какой была сумма их зарплат в течение закончившегося финансового года?#N/A

Adresse Dirección: Адрес #N/A

Ville, Province, Code postalCiudad, estado/provincia, código postal:Город, район/область почтовый индекс#N/A

#N/A #N/A Контактное лицо #N/A

Pays País Страна #N/A

#N/A #N/A Телефон (прямой) #N/A

Email Correo electrónico: Эл. почта #N/A

Numéro de faxFax Fax #N/A

#N/A #N/A Имя #N/A

COORDONNÉES DE L'INSTITUTIONINFORMACIÓN DE CONTACTO INSTITUCIONALКОНТАКТНАЯ ИНФОРМАЦИЯ ОРГАНИЗАЦИИ#N/A

#N/A #N/A Название МФО #N/A

#N/A #N/A Основной адрес МФО #N/A

#N/A #N/A Фамилия и должность контактного лица:#N/A

Nom et fonction du chef de l'IMF(Directeur Général, etc.)Nombre y puesto del director general de la IMF:ФИО и должность руководителя МФО (исполнительный ДИРЕКТОР и т.д.)#N/A

Nom et fonction de la personne qui remplit ce formulaireNombre y puesto de la persona llenando este cuestionario:ФИО и должность заполняющего анкету#N/A

#N/A #N/A Лицо, которое может подтвердить ваши данные/право редактирования#N/A

#N/A #N/A Адрес личной электронной почты (только личный адрес)#N/A

Numéro de téléphoneTeléfono Телефон #N/A

#N/A #N/A #N/A #N/A

#N/A #N/A Должность #N/A

#N/A #N/A Рекомендации #N/A

#N/A #N/A Область #N/A

#N/A #N/A Адрес #N/A

#N/A #N/A Г-н, г-жа #N/A

#N/A #N/A Мы, возможно, обратимся к указанному Вами лицу, чтобы проверить информацию о Вашей организации. Он/она может быть Вашим донором или представителем микрофинансовой индустрии, хорошо знающим Вашу организацию.#N/A

Site Internet Sitio Web Интернет #N/A

Code postal #N/A Почтовый индекс #N/A

#N/A #N/A Аффилированность #N/A

Banque Banco Банк #N/A

Banque RuraleBanco Rural #N/A #N/A

#N/A #N/A Текущий правовой статус #N/A

Décrire les défis principaux de l'institutionDescriba los desafíos principales de la instituciónОпишите основные проблемы/трудности организации#N/A

Décrire la mission de l'institutionDescriba la misión de la instituciónОпишите миссию организации #N/A

#N/A #N/A Предоставляет ли МФО другие услуги помимо микрофинансовых?#N/A

#N/A #N/A Дата основания (год) #N/A

#N/A #N/A Окончание финансового года #N/A

#N/A #N/A Источники финансирования #N/A

Si 'autre', veuillez préciserSi 'otro' indique Если иное, указать #N/A

#N/A #N/A Если, да, приблизительно, какую долю составляют микрофинансовые услуги?#N/A

Si oui, par quel autoritéPor favor indique quien la regula si la respuesta es 'si'Если да, кто является регулятором? #N/A

#N/A #N/A Если, да, какие еще услуги предоставляются?#N/A

Statut juridiqueEstatuto jurídico actual: Устав организации #N/A

PRÉSENTATION DE L'INSTITUTIONPRESENTACIÓN INSTITUCIONALСВЕДЕНИЯ ОБ ОРГАНИЗАЦИИ #N/A

#N/A #N/A Поиск инвестиций #N/A

L'institution est-elle reglementée?¿La institución es regulada? #N/A #N/A

#N/A #N/A Основные источники финансирования (укажите название организаций)#N/A

#N/A #N/A Местная валюта #N/A

#N/A #N/A Ищем (донорские ресурсы, кредиты, инвестиции, техническое содействие, др.)#N/A

#N/A #N/A Микрофинансирование - предоставление займов, средний баланс которых не превышает 250% ВНП на душу населения, либо предоставление сберегательных услуг, при которых средний баланс депозита не превышает 250% ВНП на душу населения.#N/A

#N/A #N/A Миссия, проблемы и источники финансирования#N/A

#N/A #N/A Участие в сетях - участниках Mix Market#N/A

#N/A #N/A Сотрудничество с рейтинговыми агентствами - участниками Mix Market#N/A

#N/A #N/A Участие в сетях #N/A

Non No Нет. Não

Intermédiaire financier non bancaireONG #N/A #N/A

Coopérative Intermediaro Financiero No Bancario #N/A #N/A

A but non lucratifSin fines de lucro #N/A #N/A

#N/A #N/A Организация #N/A


Composition de la propriétéComposición de la propiedadСтруктура собственности #N/A

Décrire le type, la fréquence et l'ampleur de la supervision effectués sur l'institution par les organismes publics, s'il y a lieuDescriba el tipo de supervisión y frecuencia de supervisión que su institución recibe, si es aplicableОпишите тип, периодичность и степень внешнего контроля за деятельностью организации, если применимо.#N/A

-Choisissez- -Seleccione- #N/A #N/A

A but lucratif Con fines de lucro Прибыльная #N/A

A but lucratif Fines Статус прибыльности #N/A

#N/A #N/A Сотрудничество с рейтинговыми агентствами#N/A

#N/A #N/A Регулирование #N/A

Choisissez AlliancesSeleccione Alianzas #N/A #N/A

-Choisissez- Seleccione Uno #N/A #N/A

Alliances stratégiques (veuillez sélectionner toutes les alliances et préciser toute alliance supplémentaire)Alianzas estratégicas (favor de seleccionar todos que aplican e indicar cualquier otra afiliación)Стратегические альянсы (выбрать и отметить нужное,а также указать членство в других объединениях)#N/A

Date du début des activités de microfinance (aaaa)Fecha de inicio de operaciones:Год начала микрофинансовой деятельности#N/A

Date de transformation au statut juridique actuel (s'il y a lieu)Fecha de la transformación al estatuto jurídico actual (si es aplicable)Год принятия нового устава в его настоящем виде (если применимо)#N/A

Oui Sí Да Sim

#N/A #N/A Характеристика Вашей МФО и основные проблемы#N/A

#N/A #N/A Миссия Вашей МФО #N/A

#N/A #N/A Продукты Вашей МФО #N/A

Montant de cet emprunt au BilanMonto de este pasivo en el Balance GeneralСумма этого обязательства на балансе#N/A

ne peut pas être classifiéno puede ser clasificado #N/A #N/A

Description des emprunts de l'institutionDescripción de los obligaciones institucionalesОписание заемных средств, привлеченных организацией#N/A

Combien d'emprunts individuels (à taux subventionnés ou au taux de marché) appairaissent au Bilan de cette année?¿Cuántas obligaciones (comerciales y concesionales) aparecen en el Estado del Balance del año en curso?Сколько индивидуальных займов (коммерческих или концессиональных) внесены в баланс текущего года?#N/A

Analyse des empruntsAnálisis del Pasivo Анализ обязательств #N/A

Taux nominal payé sur cet empruntTasa nominal pagado de la obligaciónНоминальная процентная ставка по этим заемным средствам#N/A

privée privada #N/A #N/A

publique pública #N/A #N/A

Source, incluant le nom et la description (si possible)Fuente, incluyendo nombre y descripción si es necesarioИсточник, включая название и описание (если возможно)#N/A

Total des emprunts, auTotal de obligaciones, al día Всего заимствований на #N/A

Total des emprunts, année en cours (Ligne 2c du Bilan)Total de obligaciones del año en curso (línea 2c del Balance General)Всего заимствований на текущий год (строчка 2c балансового отчета)#N/A

Classeriez-vous cet emprunt au Bilan comme provenant d'une source publique ou privée?¿Clasificaría esta como obligación de una fuente pública o privada en el Balance?Считаете ли вы эту задолженность обязательством перед государственной или частной структурой?#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 aquí] #N/A #N/A

Texte additionnel #N/A #N/A #N/A

Retour à l’IndexeVolver al Índice #N/A #N/A

Revoir Revise #N/A #N/A

Transfer de fondsGiro #N/A #N/A

#N/A #N/A #N/A #N/A

Assurance Seguro #N/A Seguros

Pas de problèmeSin Problema #N/A #N/A


#N/A #N/A #N/A #N/A

Veuillez séléctionner la langue:Favor de seleccionar el idioma #N/A #N/A

Merci pour votre participation à un mouvement international vers la standardization, la transparence, et l'élaboration de benchmarks de qualité pour le secteur de la microfinance.Gracias por su participación esta iniciativa de la estandadización, transparencia y Benchmarking del sector de microfinanzas.#N/A #N/A

180-365 Jours181-365 días 181-365 дней #N/A

30-90 Jours 30- 90 días 30-90 дней #N/A

366+ Jours 366+ días 366+ дней #N/A

91-180 Jours 91-180 días 91-180 дней #N/A

Âge/Statut du portefeuilleMorosidad de la cartera Статус портфеля по срокам задолженности#N/A

Ensemble des prêts renégociésTotal de préstamos renegociadosВсе реструктурированные займы #N/A

Montant - indiqué enMonto listado en - Сумма на: #N/A

Encours de prêts, paiement ponctuel (< 30 jours, crédits non renégociés)Cartera actual, pago puntual (< 30 días) - préstamos no renegociadosТекущий портфель погашаемые в срок (< 30 дней, нереструктурированные займы)#N/A

Est-ce que l’institution analyse les prêts renégociés séparément des prêts non renégociés?¿Aparecen los préstamos renegociados en cuentas distintas a los préstamos no renegociados?Ведет ли МФО мониторинг реструктурированных займов отдельно от нереструктурированных?#N/A

Encours brut de prêtsCartera bruta de préstamos Валовой портфель займов #N/A

Dotations aux provisions pour pertes sur prêts pour l'année fiscale en coursProvisión para incobrables para el año que termina elРасходы на резервы на потери по ссудам на конец финансового года#N/A

Provision pour pertes sur prêts pour l'année fiscale en coursReserva para prestamos incobrable para el año que termina elРезервы на потери по ссудам на конец финансового года#N/A

Le montant des prêts qui ont été rayés du portefeuille pour l’année fiscale en coursPrestamos castigados en el año que termina elСписанные займы на конец финансового года#N/A

Nombre de créditsN° de préstamos Число займов Número de empréstimos

Pourcentage Porcentaje Процент Porcentagem

Veuillez nous décrire de manière précise comment est déterminée, dans votre institution, la valeur des dotations et des créances passées en pertesPor favor describa de manera precisa como su programa determina el valor de la provisión para incobrables y los créditos castigadosОпишите с точностью политику вашей организации в отношении формирования резервов и списаний#N/A

Veuillez nous préciser le mode de calcul des recouvrements indiqués au tableau précédentPor favor explique como su programa calcula el estado de morosidad (saldo de la cartera afectada por cuotas morosas) según la tabla anteriorПоясните, как ваша организация рассчитывает просрочки ( на баланс портфеля под влиянием просроченных платежей), приведенные в таблице выше#N/A

Encours de prêts affecté par des retards de paiement (crédits non renégociés)Balance de la cartera afectado por los pagos atrasados (créditos no renegociados)Остаток портфеля, на который оказывают влияние просроченные платежи (нерестректурированные займы)#N/A

Rapport du portefeuilleInforme de la Cartera Отчет о портфеле #N/A

Performance du portefeuille de prêtsEstado de morosidad de la cartera vigenteКоэффициент погашаемости основных сумм портфеля займов#N/A

Y avait-il des prêts renégociés sur le Bilan de l’année fiscale de cette année?¿Había préstamos renegociados en el Balance General del año analizado?Были ли на балансе этого года реструктурированные займы?#N/A

Solde à la fin de l'année fiscale (en devise et unité nommées ci-dessus)Saldo vigente al fin del año (en la moneda unidad arriba)Непогашенная задолженность на конец года (в указанной выше валюте и единицах)#N/A

Une nette séparation des comptes permet-elle de mesurer avec précision et efficacité cet effet?¿Se puede medir claramente y efectivamente este efecto en a la separación de cuentas?#N/A #N/A

Clients, par autre produitClientes por otro producto Число клиентов по другим продуктам #N/A

Obligatoires Obligatorios Обязательные Compulsório

Décrivez individuellement chaque service non financierDescriba cada uno de los servicios no financieros:#N/A #N/A

Description des termes et conditions liés à chacun des produits de crédit (indiquer les délais de paiement, le nombre d'échéances, les délais de grâce, les avals et garanties exigés, les conditions pour avoir accès au prêt, etc.)Descripción de los términos y condiciones de los préstamos (incluya una descripción de los términos del préstamo, la frecuencia de las cuotas, períodos de gracia, requisitos de avales o garantías y condiciones para acceder al servicio)Описание условий предоставления займа (включая описание условий займа, график погашения, льготный (беспроцентный) период, требования к гарантии, условия, необходимые для перечисления займа и т.д.)#N/A

Description des termes et conditions liés à ces produits (les produits sous 'autres' devraient particulièrement être détaillés)Descripción de los términos y condiciones del producto#N/A #N/A

Description des termes et conditions liés à l'épargne (inclure la description des termes, préciser si le produit d'épargne est volontaire ou obligatoire, si les dépôts ont des termes fixes, si l'IMF ou une tierce personne mobilise les dépôts, etc.)Descripción de los términos y condiciones de los productos de ahorros: (incluya una descripción de los términos, si las cuentas son voluntarias u obligatorias, si los depósitos son para plazos fijos, si la IMF o terceros capta ahorros etc.)#N/A #N/A

Les montants des revenus, profits et coûts indiqués ci-dessus apparaissent-ils dans vos états financiers audités? Si 'oui', merci d'indiquer ces montants aux lignes 12a et 12b du formulaire de Compte de Résultats.¿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 colóquelos en las líneas 12a y 12b del Estado de Resultados.#N/A #N/A

L'institution fournie-t-elle des services non financiers?¿La institución provee servicios no financieros?Предлагает ли организация нефинансовые услуги?#N/A

Est-ce que l'institution cible spécifiquement les clients très pauvres (clients qui gagnent moins de US$1/jour, ou population dans la moitié inférieure des gens qui vivent sous la ligne de pauvreté)?¿La institución enfoque los servicios a clientes muy pobres (p.ej. Clientes que ganan menos de US$1/día o la población bajo de la mitad de la línea de pobreza)?Считает ли организация своей целевой группой самых малоимущих клиентов (зарабатывающих мерее 1 доллара в день или живущих ниже уровня бедности)?#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 institución utiliza herramientas como la prueba de medios, clasificación de riqueza, o la índice de viviendas etc.?Использует ли организация инструменты для определения целевой группы, такие как «тест имеющихся средств», «интерактивный рейтинг благосостояния», «жилищные показатели» и др.?#N/A

Comment les services non financiers offerts par l'institution améliorent-ils les services de base d'épargne et de crédit?¿Cómo los servicios no financieros contribuyen los servicios de ahorro y crédito de la institución?#N/A #N/A

Solde à la fin de l'année en cours (en devise et unité nommées ci-dessus)Saldo vigente al fin del año (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'épargnants en plus du nombre de comptes d'épargne)?¿La institución puede distinguir entre el número de ahorristas y el número de cuentas de ahorro?Может ли организация отслеживать число клиентов в дополнение к числу счетов (напр.число сберегателей, а не только сберегательных счетов)?#N/A

Méthodologies de crédit employéesMetodologías crediticias usadasИспользуемые методы кредитования #N/A

Produits de créditProductos de Crédito Кредитные продукты PROD. DE EMP.

Crédits et emprunteursPréstamos y Prestatarios Займы и заемщики #N/A

Service non financierServicio no financiero #N/A #N/A

Services non financiersServicios no financieros #N/A #N/A

Nombre accumulé d'emprunteurs déjà servisNúmero de clientes, acumuladoЧисло накопленных заемщиков #N/A

Nombre accumulés de crédits déjà octroyésNúmero de préstamos otorgados, acumuladoЧисло накопленных выданных займов #N/A

Nombre d'emprunteurs actifsNúmero de prestatarios actualesЧисло активных заемщиков #N/A

Nombre de clients actifsNúmero de clientes activos Число активных клиентов #N/A

Nombre d'épargnants actifsNúmero de ahorristas activosЧисло активных сберегателей #N/A

Nombre de comptes d'épargne actifsNúmero de cuentas activas de ahorroЧисло активных сберегательных счетов#N/A

Nombre de crédits en coursNúmero de préstamos vigentesЧисло непогашенных займов #N/A

Nombre d’emprunteurs nouveauxNúmero de prestatarios nuevosЧисло новых заемщиков #N/A

Nombre de nouveaux clientsNúmero de clientes nuevos Число новых клиентов #N/A

Nombre de participantsNúmero de participantes #N/A #N/A

Nombre d’emprunteurs qui sont des femmesPorcentaje de clientes mujeresЧисло женщин-заемщиков #N/A

No. de clients qui sont des femmesNúmero de clientes que son mujeresЧисло женщин-клиентов #N/A

Nombre d'épargnants qui sont des femmesNúmero de ahorristas mujeresЧисло женщин-сберегателей #N/A

Profits (ou pertes) d'exploitation des services non financiersGanancia (pérdida) de los servicios no financieros#N/A #N/A

Autres produits de Microfinance (assurance, etc.)Otros productos #N/A #N/A

Autre produitsOtros productos Другие продукты #N/A

#N/A #N/A Охват и воздействие #N/A

Pourcentage de la clientèle qui sont dans des ménages qui gagnent moins de US $1/jourClientes en hogares con ingresos menor a US$1/día por miembro del hogar (%)Процент клиентов в домохозяйствах с доходом ниже 1 дол. в день на члена домохозяйства#N/A

Indiquer le nom, la description et le solde pour chaque produit financier offert par l’institution (par ordre d’importance pour l’institution)Favor de listar los productos financieros y descripciones para todos los productos ofrecidos por la institución (favor de clasificar en su orden de importancia)Перечислите, опишите и укажите остаток для каждого финансового продукта, предлагаемого организацией (в порядке важности для организации)#N/A

Veuillez fournir des données auFavor de rellenar la información desdeПредоставьте информацию на #N/A

Produits et clientsProductos y Clientes Продукты и клиенты #N/A

Charges d'exploitation inhérentesGastos operacionales relacionados #N/A #N/A

Revenus d'exploitations inhérentsIngresos operacionales relacionados #N/A #N/A

Épargne et épargnantsAhorros y Ahorristas Сбережения и сберегатели #N/A

Produits d'épargneProductos de Ahorro Сбережения и сберегатели Produtos de Poupança

Total Total Всего TOTAL

Nombre de clients actifs (tous services confondus)Total número de clientes (todos los servicios combinados)Общее число активных клиентов (все службы в совокупности)#N/A

Nombre de produits de crédit offertsTotal número de productos crediticios ofrecidosОбщее число предлагаемых кредитных продуктов#N/A

Nombre de produits d'épargne offertsTotal número de productos de ahorro ofrecidosОбщее число предлагаемых схем сбережения#N/A

Volontaires Voluntarios Добровольные #N/A

(Provision pour prêts irrécouvrables)(Res. para Prést. Incobrables) (Резерв на потери по займам) #N/A

(ligne 15 du CR)(línea 15 del Estado de Resultados)(line 15 from IS) #N/A

(ligne 16 du CR)(línea 16 del Estado de Resultados) #N/A #N/A




(somme de 2a)(suma de 2a) #N/A #N/A






Compte Cuenta Счет #N/A

Comptes créditeurs et autres dettesCuentas por Pagar y Otras ObligacionesКредиторская задолженность и другие обязательства#N/A

Autres comptes à recevoir et actifsCuentas por Cobrar y Otros ActivosСчета к получению и иные активы #N/A

Comptes ajustésCuentas Ajustadas Счета с поправками #N/A

Ajustements Ajustes Поправки Ajustes

Retraitements des fonds propresAjustes al Patrimonio Поправки #N/A

Au Desde на #N/A

Actif Activos Активы ATIVOS

Bilan Balance General Балансовый отчет Balanço

Total des empruntsObligaciones Заимствования #N/A

Emprunts à des taux de marchéObligaciones a tasas comercialesЗаимствование по коммерческой процентной ставке#N/A

Emprunts à des taux subventionnésObligaciones a tasas concesionalesЗаимствование по концессиональной процентной ставке#N/A

Disponibilités Caja y Banco Наличные и средства к получению от банков#N/A

Épargne forcéeAhorros Obligatorios Обязательные сбережения #N/A

Épargne forcéeAhorros Obligatorios Обязательные сбережения Poupanças compulsórias

Coéfficient de changeFactor de cambio de monedaКоэффициент конвертации валют #N/A

Exercice en coursAño en Curso Текущий год #N/A

Dépôts à vue Depósitos a la vista Вклады до востребования #N/A

Description Descripción Описание #N/A

Fonds propres issus de subventionsDonaciones Acumuladas Безвозмездно переданный капиталPatrimônio doado

Fonds propresPatrimonio Капитал PATRIMÔNIO

ÉTATS FINANCIERS - Veuillez indiquer enESTADOS FINANCIEROS - Favor de listar enФИНАНСОВЫЕ ОТЧЕТЫ – просьба включить в список#N/A


Encours brut de prêts, auCartera Bruta de Préstamos, al díaВаловой портфель займов на #N/A

AJUSTEMENT POUR L'INFLATIONAJUSTE POR INFLACIÓN ПОПРАВКА НА ИНФЛЯЦИЮ #N/A

Ajustement pour subventions en natureAjuste por Subsidios en EspecieПоправка на субсидии в натуральной форме#N/A

Intérêts à payerIntereses por Pagar Проценты к оплате #N/A

Intérêts courus non échusIntereses por Cobrar Проценты к получению #N/A

No. Partida Пункт #N/A

Dettes Pasivos Пассивы PASSIVO

Provisions pour pertes sur prêtsReserva para Préstamos IncobrablesРезерв на потери по займам #N/A

Investissements long termeTotal del Activo a Largo PlazoДолгосрочные финансовые активы #N/A

Immobilisations - valeur netteActivos Fijos Netos Чистые основные средства Ativo Fixo Líquido

Immobilisations nettes, auActivos fijos netos, al día Чистые основные средства на #N/A

Encours net de prêtsCartera Neta Чистый портфель займов #N/A

Autres comptes de fonds propresOtras Cuentas de PatrimonioДругие счета капитала #N/A

Investissements long termeTotal del Activo a Largo PlazoДолгосрочные финансовые активы #N/A

Capital social Patrimonio Pagado Оплаченный капитал #N/A

Veuillez nous fournir les soldes suivants pour l'année fiscale précédenteFavor de proporcionar los siguientes saldo del año financiero anterior#N/A #N/A

Veuillez nous fournir la répartition entre le total de l'actif et le total des dettes à court et long termeFavor de proporcionar el desglose de total del activo y total del pasivo a corto y largo plazoПросьба представить общие активы и общие обязательства в разбивке на краткосрочные и долгосрочные.#N/A

Report à nouveau, années précédentesAños Anteriores Прошлые годы #N/A

Réserves Reservas Резервы Reservas

Réserves à la Banque CentraleReservas en el Banco CentralРезервы Центробанка #N/A

Réserves à la Banque CentraleReservas en el Banco CentralРезервы в Центробанке #N/A

Report à nouveauGanancias (Pérdidas) AcumuladasНераспределенная прибыль #N/A

Investissements à court termeActivos Financieros a Corto PlazoКраткосрочные финансовые активы #N/A

Ajustement pour coûts de financements subventionnésAjuste por Subsidios al Costo de FondosПоправка на субсидированную стоимость денежных средствAjuste do Custo de Capital subsidiado

Dépôts à termeDepósitos a plazo Срочные вклады #N/A

Total de l'actifTotal del activo Общие активы Ativos Totais

TOTAL DE L'ACTIF, auTOTAL DEL ACTIVO, al día Чистые основные средства на #N/A

Total de tous les comptes de dettes dont les montants doivent être payés dans un délai d'un anSaldo total de todas las cuentas del pasivo a pagar dentro de 12 meses.Общий остаток по всем счетам обязательств, подлежащий погашению в течение 12 месяцев:#N/A

Total de tous les comptes de dettes dont les montants doivent être payés après un anSaldo total de todas las cuentas del pasivo a pagar luego de 12 meses.Общий остаток по всем счетам обязательств, подлежащий погашению после 12 месяцев:#N/A

Total des empruntsObligaciones Всего заимствований #N/A

Total des fonds propresTotal del Patrimonio Общий собственный капитал PATRIMÔNIO TOTAL

TOTAL DES FONDS PROPRES, auTOTAL DEL PATRIMONIO, al díaОБЩИЙ КАПИТАЛ на #N/A

Total des dettesTotal del Pasivo Общие обязательства PASSIVOS TOTAIS

Total du passifTotal del Pasivo y PatrimonioИтого обязательства и капитал TOTAL DE PASSIVOS E PATRIMÔNIO

Total de tous les comptes de l'actif dont les montants sont exigibles à un an ou moinsTotal de las cuentas del activo que vencen dentro de 12 meses.Общая сумма всех счетов активов со сроком погашения в течение 12 месяцев:#N/A

Total de tous les comptes de l'actif dont les montants sont exigibles à plus d'un anTotal de las cuentas del activo que vencen luego de 12 meses.Общая сумма всех счетов активов со сроком погашения после 12 месяцев:#N/A

Investissements à court termeAct. Financieros a Cto. PlazoНаличные и средства к получению от банков#N/A

Comptesnon-ajustésCuentas no Ajustadas Счета без поправок #N/A

Unités Unidades Единицы #N/A

Épargne volontaireAhorros Voluntarios Добровольные сбережения #N/A

Épargne volontaireAhorros Voluntarios Добровольные сбережения Poupança voluntária

Autres comptes à recevoir, créances ou comptes débiteurs. Inclue tous comptes à recevoir autres que prêts aux clients (incluant prêts aux employés)Cuentas, documentos y otros activos por cobrar. Esta cuenta incluye todas las cuentas por cobrar salvo préstamos a clientes. Incluye préstamos a empleados.Счета к получению, векселя к получению и иные виды дебиторской задолженности. Сюда входит вся дебиторская задолженность помимо клиентских займов, но включая ссуды сотрудникам.#N/A

Subventions et dons accumulésDonaciones acumuladas. Накопленные пожертвования #N/A

Subventions et dons des exercices precedentsDonaciones acumuladas de años anteriores.Накопленные пожертвования прошлых периодов#N/A

La valeur des subventions nettes de l'exercice en cours.Donaciones acumuladas del año en curso.Накопленные пожертвования текущего года#N/A

La valeur cumulée des résultats nets, diminués d'impôts, des exercices précédentsGanancias o pérdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos).Накопленный чистый доход после налогов и до пожертвований#N/A

La valeur cumulée des résultats nets, diminués d'impôts, des exercices précédents. Ce compte n'enregistre pas de subventions nettes dont la valeur s'accumule au compte de Fonds propres issues de subventionsGanancias o pérdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos)Накопленный чистый доход после налогов и до пожертвований за прошлые периоды#N/A

Résultat net (après impôts 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 pérdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos) del año en curso.Накопленный чистый доход после налогов и до пожертвований за прошлые периоды#N/A

Le solde de l'encours des prêts. Ce solde comprend les prêts sains, à risque et restructurés, mais exclut les prêts rayés du portefeuille. Il n'inclut pas les intérêts courus et non échus.La porción del saldo de principal para todos los préstamos pendientes; incluso préstamos vigentes, delincuentes y reestructurados salvo los préstamos castigados. No incluye intereses por cobrar o préstamos a empleados.Непогашенная основная сумма займа по всем клиентским займам, включая текущие, просроченные и реструктурированные займы, но не включает списанные займы. Не включает проценты к получению. Не включает ссуды сотрудникам.#N/A

Capital versé par les actionnaires ou les membresCapital pagado por accionistas y miembros.Капитал, оплаченный пайщиками или членами#N/A

Réserve légale à la Banque CentraleReservas de efectivo en el Banco Central.Резервы наличных денежных средств в Центробанке#N/A

Trésorerie et comptes en banque non rémunérésTodas las cuentas corrientes, cuentas de caja chica y efectivo incluso depósitos no renumeradas.Наличные мелкая наличность, остатки на счетах в банках, включая беспроцентные вклады.#N/A

Comptes de dépôtsCertificados de depósito u otros depósitos a plazos fijos.Депозитные сертификаты и иные депозиты с фиксированным сроком погашения#N/A

Compte d'épargne déposée que les clients sont tenus de maintenir auprès de l'institution en contrepartie d'un prêtClientes con cuentas de ahorros vinculadas a préstamos de la institución y controladas por la institución.Клиентские сберегательные счета, хранящиеся в организации и являющиеся условием для получения займа в настоящем или в будущем.#N/A

Comptes à vue du public et des membres maintenus par l'institution et qui ne constitue pas la contrepartie d'un prêt auprès de cette dernièreDepósitos a la vista del público en general y miembros que no son vinculados a préstamos de la institución.Вклады до востребования, принимаемые от населения в целом и от пайщиков, хранящиеся в организации и не являющиеся условием для получения займа в настоящем или в будущем.#N/A

Subventions nettes de l'exercice en coursDonaciones acumuladas del año en curso.Пожертвования текущего года #N/A

Encours de prêts moins prov. pour pertes sur prêtsLa cartera neta menos la reserva para préstamos incobrables.Совокупный портфель займов минус резерв на потери по займам#N/A

Intérêts courus et non échus à payer. Ce compte est réservé aux institutions utilisant un système de comptabilité d'engagement.Intereses por pagar sobre todas las cuentas del pasivo. Apropiado sólo para las instituciones que usan contabilidad devengada.Проценты к оплате по всем счетам обязательств. Учитываются организациями, использующими метод начисления.#N/A

Intérêts courus et non échus à recevoir. Ce compte est réservé aux institutions qui utilisent un système de comptabilité d'engagement.Intereses por cobrar sobre todas las cuentas del activo. Apropiado sólo para las instituciones que usan contabilidad devengada.Проценты к получению по всем счетам активов. Учитываются организациями, использующими метод начисления.#N/A

Comptes d'investissements exigibles à plus d'un anTotal de las cuentas del activo a largo plazo.Долгосрочные вложения без права обналичивания в течение года.#N/A

Résultat net (après impôts et avant subventions), de l'exercice en coursGanancias o pérdidas netas acumuladas de periodos anteriores antes de donaciones (neta de impuestos) del año en curso.Чистый доход после налогов и до пожертвований за текущий год#N/A

Autres comptes de fonds propresOtras cuentas de patrimonio no incluidos en otra partesДругие счета капитала, не указанные где-либо еще#N/A

Autres comptes créditeurs, y compris les comptes d'état débiteurs ou les comptes à payer.Otras obligaciones inclusive obligaciones de impuestos y salarios, retenciones sociales, otras cuentas por pagar, inclusive obligaciones que no soportan la cartera de préstamos, como hipotecas para propiedad.Другие обязательства, включая обязательства по налогам и заработной плате, социальным отчислениям, отсроченным доходам, другим счетам к оплате, включая обязательства, которые не финансируют портфель - такие как ипотека недвижимости.#N/A

Le solde de l'encours des emprunts pour lesquels l'institution paie un taux d'intérêt nominal qui est supérieur ou égal au taux d'intérêt de marché localSaldo del principal de obligaciones, inclusive sobregiros, con una tasa de interés nominal que es equivalente o mayor a la tasa comercial local.Непогашенная сумма основного долга по заимствованиям, включая счета овердрафт, по которым организация выплачивает номинальную процентную ставку выше или равную местной коммерческой ставке.#N/A

Le solde de l'encours des emprunts pour lesquels l'institution paie un taux d'intérêt nominal qui est inférieur au taux d'intérêt de marché localSaldo de principal de obligaciones, inclusive sobregiros, con una tasa de interés nominal que es menor a la tasa comercial local.Непогашенная сумма основного долга по заимствованиям, включая счета овердрафт, по которым организация выплачивает номинальную процентную ставку ниже местной коммерческой ставки.#N/A

Réserves telles que celles imposées par la loi ou par le statut.Reservas exigidas por las normas legales.Резервы, формируемые согласно законам или нормативным актам.#N/A

Réserves telles que celles imposées par la loi ou par le statut. Expliquez tout type de réserves utilisés par l'institution.Reservas exigidas por las normas legales. Explique cualquier otra reserva usada por la institución.Резервы, формируемые согласно законам или нормативным актам. Пояснить, какие резервы формируются учреждением.#N/A

La portion du montant de l'encours brut de prêts ayant fait l'objet d'une dotation aux provisions dans l'anticipation de pertes consécutives aux défauts de paiement. Il comprend la valeur cumulée des dotations nettes aux provisions, moins la valeur cumulée des prêts rayés du portefeuille.La porción de la cartera bruta de préstamos que ha sido aprovisionada con anticipación de pérdidas debido a falta de pago. Esta misma representa el valor acumulativo de la provisión para incobrables neta menos el valor acumulativo de los préstamos castigados.Доля валового портфеля займов, выделенная в качестве резерва на возможные потери вследствие непогашения займов. Этот пункт представляет собой (нарастающим итогом) сумму резервов на потери по займам минус (нарастающим итогом) сумму списанных займов.#N/A

La somme des immobilisations corporelles et incorporelles nettes.El precio de compra de propiedad planta y equipo, menos deprecición acumlada. Inlcuye intagibles como el desarrollo del sistema informático, menos amoritzación acumulada.Первоначальная стоимость имущества, предприятий и оборудования за вычетом накопленной амортизации. Сюда входят и нематериальные активы - такие как разработка СУИ или хорошая репутация за вычетом накопленной амортизации.#N/A

Total de tous les comptes de dettes dont les montants doivent être payés après un anSaldo total de todas las cuentas del pasivo a pagar luego de 12 meses.Общий остаток по всем счетам обязательств, подлежащий погашению после 12 месяцев:#N/A

Total de tous les comptes de dettes dont les montants doivent être payés dans un délai d'un anSaldo 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 à un an ou moinsTotal de las cuentas del activo (inclusive la cartera bruta de préstamos) que vencen dentro de 12 meses.#N/A #N/A

Total de tous les comptes de l'actif dont les montants sont exigibles à plus d'un anTotal de las cuentas del activo (inclusive la cartera bruta de préstamos) que vencen luego de 12 meses.#N/A #N/A

La somme des comptes de fonds propresTotal de las cuentas del patrimonio.Сумма всех счетов капитала #N/A

La somme des comptes de dettesTotal de todas las cuentas del pasivo.Сумма всех счетов обязательств #N/A

La somme des comptes nets de l'actifTotal de las cuentas netas del activo.Сумма всех счетов чистых активов #N/A

Somme des emprunts à taux de marché et taux subventionnésTotal de las obligaciones a tasas comerciales y subsidiadas.Всего заимствований на коммерческой и концессиональной основе#N/A

La somme des comptes nets de l'actifTotal de las cuentas del pasivo y patrimonio.Сумма общих обязательств и общего капитала#N/A

Total des comptes d'ép. volontaire et obligatoireTotal de los depósitos voluntarios y obligatorios.Сумма добровольных и обязательных сбережений#N/A

Bons de trésors ou tout autre placement à court terme, y compris dépôts rémunérés, exigibles à 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 gestión de liquidez.Казначейские векселя (гособлигации) и иные краткосрочные инвестиции, включая процентные вклады с правом обналичивания в течение года. Как правило, используются для управления ликвидностью.#N/A

La valeur des subventions en nature.Valor del ajuste por subsidios en especie.Значение поправки на субсидии в натуральной форме (для использования MIX)#N/A

Valeur de tous les ajustements, incluant l'ajustement pour l'inflationValor de todos los ajustes, inclusive el ajuste por inflación.Сумма всех поправок, включая поправку на инфляцию#N/A

Charges nettes d'ajustement à l'inflationValor de los gastos por el ajuste de inflación.Значение расхода в связи с поправкой на инфляцию#N/A

La valeur des dotations au compte d'ajustement à l'inflation.Valor de los gastos por el ajuste de inflación.Значение поправки на инфляцию (для организаций, ведущих бухучет на основе инфляции)#N/A

La valeur des subventions en natureValor del ajuste por subsidios en especie.Значение поправки на субсидии в натуральной форме#N/A

La valeur des dotations au compte d'ajustement pour coûts de financement subventionnésValor de los gastos por el ajuste por subsidios al costo de fondos.Значение поправки на субсидированную стоимость денежных средств#N/A

La valeur des dotations au compte d'ajustement pour coûts de financement subventionnés.Valor de los gastos por el ajuste por subsidios al costo de fondos.Значение поправки на субсидированную стоимость средств (для использования 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 coûts de fin. subventionnésGastos del Ajuste por Subsidios Costo de FondosПоправка на субсидированную стоимость денежных средств#N/A

Total des charges administrativesGastos Administrativos Административные расходы #N/A

Dépréciation et amortissementDepreciación Износ и амортизация Depreciação e Amortização

Subventions Donaciones para Subsidiar Servicios FinancierosПожертвования - субсидирование финансовых услугDoações

Subventions Donaciones para Subsidiar Servicios FinancierosПожертвования - субсидирование финансовых услуг#N/A

Frais et commissions sur prêts (incluant pénalités reçues sur prêts)Ingreso por Comisiones sobre la Cartera de PréstamosПлатежи и комиссионные по портфелю займов#N/A

Total des charges financièresGasto Financiero Финансовые расходы #N/A

Intérêts versés et charges assimiléesGastos Financieros del PasivoФинансовые расходы по обязательствам#N/A

Intérêts versés et charges assimiléesGastos Financieros del PasivoФинансовые расходы по обязательствам#N/A

Intérêts reçus et produits assimilésIngreso Financiero Финансовые доходы #N/A

Produits sur placements/ investissementsIngresos Financieros por Otros Activos FinancierosФинансовые поступления от других финансовых активов#N/A

Revenus du portefeuilleIngreso Financiero por la Cartera de PréstamosФинансовый доход с портфеля займов#N/A

Revenus d'intérêts sur placements/investissementsIngresos Financieros por Otros Activos FinancierosФинансовые поступления от других финансовых активов#N/A

Dot. nette aux prov. pour prêts irrécouvrablesProvisión para Incobrables, NetaЧистый расход по созданию резерва на потери по займам#N/A

Compte de RésultatsEstado de Resultados Отчет о доходах Demonstrativo de Resultado

Charges d'ajustement à l'inflationGasto, Ajuste por Inflación Расход на индексацию инфляции #N/A

Produits d'ajustement à l'inflationIngreso, Ajuste por Inflación Доход от поправки на инфляцию #N/A

Charges sur l'ajustement pour l'inflationGasto, Ajuste por Inflación Расход на индексацию инфляции #N/A

Produits sur l'ajustement pour l'inflationIngreso, Ajuste por la InflaciónДоход от поправки на инфляцию #N/A

Intérêts versés et frais sur empruntsInterés y Comisiones Pagados por ObligacionesРасходы на выплату процентов и комиссионных по заемным средствам#N/A

Intérêts versés et charges sur épargneInteréses y Gastos por DepósitosРасходы на выплату процентов и комиссионных по вкладам#N/A

Intérêts reçus sur prêtsInterés por la Cartera de PréstamosПроцентный доход с портфеля займов #N/A

Dotation aux provisions pour pertes sur prêtsGasto de la Provisión para IncobrablesРасход по созданию резерва на потери по займам#N/A

Charges nettes sur l'ajust. pour l'inflationGasto Neto Ajuste por la InflaciónРасход на индексацию инфляции #N/A

Résultat financierResultado Financiero Neto Чистая финансовая прибыль #N/A

Résultat net (aprés impôt et avant subventions)Res. Neto (Antes Donaciones y Después de Impuestos)Чистый доход (после налогов и до пожертвований)#N/A

Résultat net (aprés impôt et subventions)Resultados Neto (Después de Donaciones y Impuestos)Чистая прибыль (после налогов и пожертвований)#N/A

Résultat net (avant impôt et subventions)Resultado Neto (Antes de Donaciones y Impuestos)Чистая прибыль (до вычета налогов и пожертвований)#N/A

Charges nettes d'ajustement à l'inflationGastos Netos del Ajuste por InflaciónРасход на индексацию инфляции #N/A

Dotation nette aux provisions pour pertes sur prêtsProvisión para incobrables, netaЧистый расход по созданию резерва на потери по займам#N/A

Résultat non opérationnelRESULTADO NO OPERACIONAL NETOЧистый неоперационный доход #N/A

Résultat opérationnelRESULTADO DE OPERACIÓN NETOЧистая операционная прибыль #N/A

Charges non opérationnellesGastos No Operacionales Неоперационные расходы #N/A

Produits non opérationnelsIngresos No Operacionales Неоперационные доходы #N/A


Charges d'exploitationGastos Operacionales Операционные расходы #N/A

Autres charges administrativesOtros Gastos Administrativos Другие административные расходы #N/A

Autres charges administrativesOtros Gastos AdministrativosДругие административные расходы #N/A

Autres ch. fin. liées aux services financiersOtros Gastos Financieros Иные финансовые расходы #N/A

Autres charges financières liées aux services financiersOtros Gastos Financieros Иные финансовые расходы #N/A

Autres produits liés aux services financiersOtros Ingresos Rel. a los Servicios FinancierosДругие поступления в связи с финансовыми услугами#N/A

Autres produits liés aux services financiersOtros Ingresos Financieros Relacionados a los Servicios FinancierosДругие поступления в связи с финансовыми услугами#N/A

Fin de la périodeFin del Periodo Окончание периода #N/A

Début de la périodeInicio del Periodo Отчетный период #N/A

Charges de personnel (dont charges sociales)Gastos de Personal Расходы на оплату труда #N/A

Dot. aux prov. pour prêts irrécouvrablesGasto de la Provisión para IncobrablesРасход по созданию резерва на потери по займам#N/A

Recouvrement de prêts rayésRecuperación de Préstamos CastigadosВозврат по списанным займам #N/A


Dotations au compte d'ajustement pour coûts de financement subventionnésGastos Netos del Ajuste por Subsidios al Costo de FondosПоправка на субсидированную стоимость денежных средств#N/A

Impôt sur les bénéficesImpuestos Налоги Impostos


Recouvrement de prêts radiésRecup. de Prést. Castigados Возврат по списанным займам #N/A

Charges pour compenser la différence entre le taux de marché et le taux subventionné des empruntsGastos netos del ajuste por la diferencia entre tasas del mercado y tasas subsidiadas de las obligaciones.Поправка на разницу между рыночной и концессионной ставкой по финансовым обязательствам#N/A

Charges pour compenser la différence entre le taux de marché et le taux subventionné des emprunts de l'institution (compte réservé à l'usage du MIX).Gastos netos del ajuste por la diferencia entre tasas del mercado y tasas subsidiadas de las obligaciones.Поправка на разницу между рыночной и концессионной ставкой по финансовым обязательствам (только для использования MIX)#N/A

Dotation pour détérioration ou réparation du matérielReserva para depreciación y reemplazo final de equipo.Резерв на износ и замену оборудования#N/A

La valeur des dotations au compte d'ajustement à l'inflationGasto de mantenimiento del valor del patrimonio.Расход на поддержание стоимости капитала организации#N/A

Subventions aux opérations de l'institutionDonaciones a la institución para subsidiar operaciones.Пожертвования в пользу МФО на поддержку их деятельности#N/A

Ch. issues d'une activité sans lien direct à la prestation de services financiers (ex. développement de services de conseil)Gastos de actividades no relacionadas al negocio básico de la provisión de servicios financieros. Este mismo podría incluir a gastos por consultoría o el desarrollo de servicios del desarrollo empresarial.Поступления от деятельности, не связанной с основной деятельностью МФО по оказанию финансовых услуг - например, расходы на BDS (оказание услуг по развитию бизнеса) или на консалтинг.#N/A

Produits d'exploitation moins les ch. fin., dot. aux prov. pour pertes sur prêts et ch. d'exploitationIngreso financiero menos gasto financiero (neto de la provisión para incobrables y gastos operacionales).Финансовые поступления минус финансовые расходы, чистый расход по созданию резерва на потери по займам и операционные расходы#N/A

Produits financiers moins charges financièresIngreso financiero menos el Gasto financiero.Финансовые поступления минус финансовые расходы#N/A

La valeur des reprises au compte d'ajustement à l'inflationIngreso sobre el valor de los activos fijos debido a inflación.Увеличение стоимости фиксированных активов за счет инфляции#N/A

Les impôts payés sur le Résultat net ou sur toute autre mesure de revenus comme définie par les autorités fiscales locales.Incluye a todos los impuestos pagados al resultado neto u otro resultado según las normas de las autoridades locales.Включает все налоги на чистый доход или иные виды налогообложения прибыли, как предусмотрено действующим законодательством#N/A

Intérêts et frais payés sur les empruntsInterés y comisiones pagadas por obligaciones.Проценты и комиссионные, уплачиваемые по заемным средствам.#N/A

Intérêts et frais payés sur les comptes de dépôtsInterés pagado por depósitos a la vista o depósitos a plazo.Проценты и платежи по вкладам до востребования и срочным вкладам.#N/A

Intérêts perçus sur l'encours de prêtsInterés pagado por la cartera de préstamos.Проценты полученные по портфелю займов#N/A

Somme des dot. aux prov. pour prêts irrécouv., des reprises sur prov et la perte sur prêts irrécouv.Provisión para incobrables del periodo.Расход по созданию резерва на потери по займам за период#N/A

Les gains nets réalisés sur les investissementsIngresos netos por otros activos financieros.Чистый доход по другим финансовым активам#N/A

Résultat net, après impôts et subventions.Resultado neto (después de impuestos y antes de donaciones) más donaciones.Чистый доход (после налогов и до пожертвований) плюс пожертвования#N/A

Résultat net, après impôts et avant subventionsResultado neto (antes de impuestos y donaciones) menos impuestos.Чистый доход (до налогов и пожертвований) минус налоги#N/A

Résultat d'exploitation plus résultat hors exploitationIngreso operacional menos el resultado no operacional.Чистый операционный доход минус чистый неоперационный доход#N/A

Résultat d'exploitation plus résultat hors exploitation.#N/A #N/A #N/A

Somme des prod. hors exploitation et prod. exceptionnels nets moins ch. hors exploitationIngresos no operacionales menos gastos no operacionales.Неоперационные поступления минус неоперационные расходы#N/A

Autres charges liées à la prestation des services financiers, y compris les charges liées aux services financiers, ainsi que les pertes nettes de changeOtros gastos por la provisión de servicios financieros, incluso gastos no financieros sobre productos financieros, además de depreciación de cambio (neta).Иные расходы на оказание финансовых услуг, включая нефинансовые расходы на финансовые продукты, а также чистую амортизацию обменного курса#N/A

Autres charges (hors personnel) relatives aux prestations financièresOtros gastos administrativos (no para personal).Другие административные расходы, не связанные с оплатой труда#N/A

#N/A #N/A #N/A #N/A

#N/A #N/A #N/A #N/A

Pénalités, commissions et autres frais perçus sur l'encours de prêtsPenalizaciones y comisiones recibidas por la cartera de préstamos.Штрафы, комиссионные и иные взимаемые платежи по портфелю займов#N/A

Impressions, petites fournitures de bureaux, photocopies, livres, etc.Impresos, suministros, fotocopias, libros etc.Печать, расходные материалы, фотокопирование, книги и др.#N/A

Loyers et charges externesArriendo y servicios públicos.Плата за аренду и коммунальные услуги#N/A

Valeur nette de l'ajustement à l'inflation. Réservé aux institutions ayant une comptabilité inflationnaireReservado para instituciones que usan contabilidad inflacionaria. Saldo neto del ajuste por inflación.Для организаций, использующих бухучет, основанный на инфляции. Чистая сумма поправки на инфляцию.#N/A

Produits issus d'une activité sans lien direct à 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 básico de la provisión de servicios financieros. Este mismo podría incluir a ingresos por consultoría, venta de productos para sistemas informáticos o comisiones para servicios del desarrollo empresarial.Поступления от деятельности, не связанной с основной деятельностью МФО по оказанию финансовых услуг. Сюда может входить доход от услуг консалтинга, продажи продуктов ИТ и оплаты за BDS#N/A

#N/A #N/A Поступления от деятельности, не связанной с основной деятельностью МФО по оказанию финансовых услуг. Сюда может входить доход от услуг консалтинга, продажи продуктов ИТ или услуг по развитию бизнеса (BDS)#N/A

Salaires, avantages sociaux et autres charges patronales payés pour l'ensemble des effectifs de l'institutionSalarios, comisiones por consultoría, retenciones, beneficios complementarios y impuestos por personal pagados por todos los empleados de la institución.Зарплаты, удержания, пособия и льготы, а также налоги на фонд заработной платы всех работающих в оорганизации#N/A

La somme de la dotation aux provisions pour pertes sur prêts et du recouvrement des prêts rayés du portefeuille.La suma de la provisión por incobrables y la recuperación de préstamos.Сумма расхода по созданию резерва на потери по займам и возвратность резерва#N/A

Somme de la dot. aux prov. pour pertes sur prêts et du recouvrement des prêts rayés du portefeuille#N/A Сумма расхода по созданию резерва на потери по займам и возврат списанных займов#N/A

Somme des intérêts, frais et comm. perçus sur l'encours de prêtsTotal del interés, honorarios y comisiones por la cartera de préstamos.Общая сумма процентов, платежей и комиссионных по портфелю займов#N/A

La somme des charges sur dettes, les dot. au compte d'ajustement pour coûts de financement subv. et autres ch. fin. liées aux services financiersTotal de los gastos por obligaciones, ajustes por inflación y costo de fondos además de gastos por otros servicios financieros.Общая сумма финансовых расходов по обязательствам, поправка на чистую инфляцию, поправка на стоимость денежных средств и другие расходы на финансовые услуги.#N/A

La somme des charges sur comptes de dépôts et sur empruntsTotal del interés y comisiones pagadas por obligaciones.Общая сумма процентов и платежей по вкладам и заемным средствам#N/A

La somme des charges de personnel et des charges administrativesTotal de los gastos de personal y gastos administrativos.Всего расходы на оплату труда и административные расходы#N/A

La somme des loyer et charges, transport, matériel et fournitures de bureau, dotations aux amortissements et autres charges administrativesTotal de los gastos por arriendo, servicios públicos, transporte, suministros, depreciación y otros gastos administrativos.Всего аренда и коммунальные услуги, транспорт, канцтовары, амортизация и др. административные расходы#N/A

La somme des produits sur portefeuille et sur investissements, ainsi qu'autres produits financiers issus de services financiersTotal de los ingresos por la cartera de préstamos y otros activos financieros, además de otros ingresos financieros de servicios financieros.Общая сумма поступлений от портфеля займов и иных финансовых активов, а также иные финансовые поступления от финансовых услуг.#N/A

Reprise sur prêts rayésTotal de la recuperación de préstamos castigados.Всего возврат по списанным займам #N/A

Frais de transport du personnel pour déplacements sur le terrainTransporte del personal para atender a los clientes y manejar las operaciones.Поездки сотрудников на транспорте для обслуживания клиентов и ведения деятельности#N/A

Salaire moyen/ PNB par habitantSalario Promedio/ PNB Per CápitaСредняя зарплата к ВНД на душу нас. #N/A

Coût par emprunteurGasto por Prestatario Расходы на одного заемщика #N/A

Coût par prêt Gasto por Préstamo Расходы на выдачу одного займа #N/A

EFFICIENCE EFICIENCIA ЭФФЕКТИВНОСТЬ #N/A

Ratio de ch. d'exploitation au portefeuilleGastos Operacionales/ Cartera BrutaОперационные расходы / портфель займов#N/A

Ratio de ch. de personnel au portefeuilleGastos de Personal/ Cartera BrutaРасходы на оплату труда / портфель займов#N/A

Montant moyen des ch. de personnel, ajusté/ PNB par habitantGasto de Personal Promedio Ajustado/ INB per cápitaСредние расходы на оплату труда с поправками / ВНД на душу нас.#N/A

Charges d'exploitation, ajustées/ Encours brut moyen de prêtsGastos Operacionales Ajustados/ Cartera Bruta de Préstamos Promedio AjustadaОперационные расходы с поправками / Средний совокупный портфель займов с поправками#N/A

Charges opérationnelles, ajustées/ Nombre moyen d'emprunteurs actifs, ajustéGastos Operacionales Ajustados/ Prestatarios Activos Promedio AjustadoОперационные расходы с поправками / Среднее количество активных заемщиков с поправками#N/A

Charges opérationnelles, ajustées/ Nombre moyen de prêts en cours, ajustéGastos Operacionales Ajustados/ Préstamos Vigentes Promedio AjustadoОперационные расходы с поправками / Среднее количество займов с поправками#N/A

Ch. de personnel, ajustées/ Encours brut moyen de prêtsGasto de Personal Ajustado/ Cartera Bruta de Préstamos Promedio AjustadaРасходы на оплату труда с поправками / Средний совокупный портфель займов с поправками#N/A

Ratio de ch. d'ajustementRazón de Gasto de Ajustes Коэфф. расходов по регулированию #N/A

Ratio de ch. administrativesRazón de Gasto AdministrativoКоэфф. административн. расходов #N/A

CHARGES D'EXPLOITATIONGASTOS РАСХОДЫ Despesas

Ratio de ch. financières à l'actifGasto Financiero/ Activo TotalКоэфф. финанс. расх. #N/A

Ratio de ch. d'exploitation à l'actifGasto Operacional/ Activo TotalКоэффициент операционной эффективности#N/A

Ratio de ch. de personnelRazón de Gasto de PersonalКоэфф. расходов на оплату труда #N/A

Ratio de dotations aux provisions pour prêts irrécouvrablesGasto de Provisión para Cartera/ Activo TotalКоэфф. резерва на потери по займам #N/A

Ratio de ch. totales à l'actifGasto Total/ Activo Total Общий коэфф. расходов #N/A

(Résultat opérationnel, ajusté - Résultat opérationnel non-ajusté)/ Actif moyenResultado operacional neto - Resultado operacional neto no ajustado/ Promedio del total del activo ajustado(Чистый операционный доход с поправками – чистый операционный доход без поправок) / Средние общие активы с поправками#N/A

(Résultat net d'exploitation, non-retraité - Résultat net d'exploitation, retraité)/ Actif moyen, retraité(Resultado Operacional Neto No Ajustado - Resultado Operacional Neto Ajustado)/ Activo Total Promedio Ajustado#N/A #N/A

(Ch. financières + Dotations nettes aux Provisions pour prêts irrécouvrables + Ch. d'exploitation) ajustées/ Actif moyen(Gastos financieros + Gasto de Provisión para Cartera de Préstamos, neta + Gastos operacionales) Ajustado/ Activo Total Promedio Ajustado(Финансовые расходы + чистый расход по формированию резерва на потери по займам + операционные расходы) с поправками / Средние общие активы с поправками#N/A

Ch. administratives, ajustées/ Actif moyenGastos Administrativos Ajustados/ Activo Total Promedio AjustadoАдминистративные расходы с поправками / Средние общие активы с поправками#N/A

Ch. financières retraitées/ Actif moyen, retraitéGastos Financieros Ajustados/ Activo Total Promedio AjustadoФинансовые расходы с поправками / Средние общие активы с поправками#N/A

Dot. nettes aux Provisions pour prêts irrécouvrables, ajustées/ Actif moyenGasto de Provisión para Cartera de Préstamos, neta Ajustada/ Activo Total Promedio AjustadoЧистый расход по формированию резерва на потери по займам с поправками / Средние общие активы с поправками#N/A

Charges d'exploitation, ajustées/ Actif moyen(Gastos operacionales + Donaciones en Especie)/ Activo Total Promedio AjustadoОперационные расходы с поправками / Средние общие активы с поправками#N/A

Ch. de personnel, ajustées/ Actif moyenGasto de Personal / Activo Total Promedio AjustadoРасходы на оплату труда с поправками / Средние общие активы с поправками#N/A

Auto-suffisance financièreAutosuficiencia Financiera Финансовая самоокупаемость #N/A

Auto-suffisance opérationnelleAutosuficiencia Operacional Операционная самоокупаемость #N/A

PERFORMANCE FINANCIÈRE GLOBALEDESEMPEÑO FINANCIERO GENERALОБЩИЕ ФИНАНСОВЫЕ ПОКАЗАТЕЛИ#N/A

Rendement de l'actifRetorno sobre Activos Доходность активов #N/A

Rendement des fonds propresRetorno sobre Patrimonio Доходность капитала Rendimento sobre Patrimônio

Résultat opérationnel ajusté, après impôts/ Montant moyen de l'actifResultado de operación ajustado, desp. de impuestos/ Promedio del total del activo ajustadoЧистая операционная прибыль с поправками, без налогов / Средние общие активы с поправками#N/A

Résultat opérationnel ajusté, après impôts/ Montant moyen des fonds propresResultado de operación ajustado, desp. de impuestos/ Promedio del total del patrimonio ajustadoЧистая операционная прибыль с поправками, без налогов / Средний общий капитал с поправками#N/A

Produits financiers, ajustés/ (Ch. financières + Dot. nettes aux Provisions pour prêts irrécouvrables + Ch. d'exploitation) ajustéesIngresos financieros Ajustados/ (Gastos financieros + Gasto de Provisión para Cartera de Préstamos + Gastos operacionales) AjustadosФинансовый доход с поправками/ (финансовые расходы + чистый расход по формированию резерва на потери по займам + операционные расходы) с поправками#N/A

Produits financiers/ (Ch. financières + Dot. nettes aux Prov. pour prêts irrécouv. + Ch. d'exploitation)Ingresos financieros/ (Gastos financieros + Gasto de Provisión para Cartera de Préstamos, neta + Gastos operacionales)Финансовый доход/ (финансовые расходы + чистый расход по формированию резерва на потери по займам + операционные расходы)#N/A

Capital/ Actif Patrimonio / Activos Коэфф. капитал / активы #N/A

Financement au taux du marchéRazón de Obligaciones ComercialesКоэфф. коммерческих долговых обязательств#N/A

Ratio Dettes/ Fonds PropresRazón Deuda/ Capital Коэфф. задолженности #N/A

Epargne sur encours de prêtsDepósitos/ Cartera Bruta Сбережения / займы #N/A

Epargne sur actif totalDepósitos/ Activo Total Сбережения / общие активы #N/A

STRUCTURE DE FINANCEMENTESTRUCTURA DE FINANCIAMIENTOСТРУКТУРА ФИНАНСИРОВАНИЯ #N/A

Encours de prêts sur actif totalCartera Bruta/ Total del ActivoСовокупный портфель займов / общие активы#N/A

Total dettes au «Taux du marché »/ Encours brut de prêtsTotal de los pasivos al "Precio del Mercado"/ Cartera bruta de préstamosВсе обязательства по «рыночной» цене / валовой портфель займов с поправками#N/A

Encours brut de prêts, ajusté/ Total de l'actif, ajustéCartera Bruta de Préstamos Ajustada/ Activo Total AjustadoСовокупный портфель займов с поправками / общие активы с поправками#N/A

Total fonds propres ajustés/ Total actif ajustéPatrimonio Total Ajustado/ Activo Total AjustadoОбщий капитал с поправками / общие активы с поправками#N/A

Total dettes, ajusté/ Total fonds propres, ajustéPasivo Total Ajustado/ Patrimonio Total AjustadoОбщие обязательства с поправками / общеий капитал с поправками#N/A

Épargne/ Encours brut de prêts, ajustéTotal de depósitos/ Cartera bruta de préstamos ajustadaсбережения / совокупный портфель займов с поправками#N/A

Épargne/ Total actif, ajustéTotal de depósitos/ Total del activo ajustadoсбережения / общие активы с поправками#N/A

Age Edad Возраст #N/A

CARACTÉRISTIQUES INSTITUTIONELLESCARACTERÍSTICAS INSTITUCIONALESИНСТИТУЦИОНАЛЬНЫЕ ХАРАКТЕРИСТИКИ#N/A

Nombre d'IMFNúmero de IMFs Количество МФО #N/A

Bureaux Número de Oficinas Офисы #N/A

Effectifs du personnelNúmero de Personal Персонал Pessoal

TOTAL DE L'ACTIFTOTAL DEL ACTIVO Общие активы Ativos Totais

Nombre (incluant le siège)Nº (incluso las oficinas centrales)Количество, включая головной офис #N/A

Effectifs du groupeTamaño de la muestra Численность группы #N/A

Actif Total, ajusté pour l'inflation, le provisionnement pour prêts irrécouvrables et la radiation de prêtsTotal del activo, ajustado por inflación y por provisión para incobrables y castigos estandardizadosОбщие активы с поправкой на инфляцию и стандартный резерв портфеля на потери по займам и списания#N/A

Nombre total d'employésNº total de empleados Общее количество сотрудников #N/A

Années d'existenceAños de existencia Сколько лет действует как МФО #N/A

Montant d'épargne moyenSaldo Promedio por Cuenta de DepósitosСредний остаток по сбер. счету #N/A

Montant de dépôt moyen/ RNB par habitantSaldo Promedio por Cuenta de Depósitos/ INB per CápitaСредний остаток по сбер. счету/ ВНД на душу населения#N/A

Montant moyen d'épargne par épargnantSaldo Promedio por DepositanteСредний остаток по сбер. счету на сберегателя#N/A

Montant moyen de dépôt par déposant/ RNB par habitantSaldo Promedio por Depositante/ INB per CápitaСредний остаток по сбер. счету на сберегателя/ ВНД на душу населения#N/A

Solde moyen de crédit par emprunteurSaldo Promedio de Créditos por PrestatarioСредний непогашенный остаток на заемщика#N/A

Solde moyen de prêt par emprunteur/ PNB par habitantSaldo Promedio de Créditos por Prestatario/ PNB per CápitaСредний непогашенный остаток на заемщика / ВНД на душу населения#N/A

Solde de prêt moyenSaldo Promedio de Créditos VigentesСредний непогашенный остаток Saldo Médio

Solde de crédit moyen/ RNB par habitantSaldo Promedio de Créditos/ INB per CápitaСредний непогашенный остаток/ ВНД на душу населения#N/A


Nombre d'emprunteurs actifsNúmero de prestatarios actualesЧисло активных заемщиков #N/A

Nombre d'emprunteursNúmero de prestatarios Кол-во заемщиков #N/A

Nombre de crédits en coursNúmero de préstamos vigentesЧисло непогашенных займов #N/A

Nombre de comptes d'épagne Número de Cuentas de DepósitoК-во сберегательных счетов #N/A

Nombre d'épargnantsNúmero de Depositantes Кол-во сберегателей #N/A

INDICATEURS DE PORTÉEINDICADORES DE ESCALAПОКАЗАТЕЛИ ОХВАТА #N/A

Pourcentage d'emprunteurs femmesPorcentaje de Prestatarias (Mujeres)Процент женщин-заемщиков #N/A

Épargne Ahorros сбережения #N/A

Solde moyen de prêt par emprunteur, ajusté/ PNB par habitantSaldo promedio de los créditos por prestatario, ajustado/ PNB per cápitaСредний непогашенный остаток на заемщика с поправками / ВНД на душу нас.#N/A

Solde de prêt moyen, ajusté/ PNB par habitantSaldo Promedio de Préstamos Vigentes Ajustado/ INB per cápitaСредний непогашенный остаток с поправками / ВНД на душу нас.#N/A

Encours brut de prêts, ajusté/ Nombre d'emprunteurs actifs, ajustéCartera Bruta de Préstamos Ajustada/ Número de Prestatarios Activos AjustadoСовокупный портфель займов с поправками / количество активных заемщиков с поправками#N/A

Encours brut de prêts, ajusté/ Nombre de prêts en cours, ajustéCartera Bruta de Préstamos Ajustada/ Número de Préstamos VigentesСовокупный портфель займов с поправками / количество непогашенных займов с поправками#N/A

Encours brut de prêts, ajusté/ Total de l'actif, ajustéCartera Bruta de Préstamos Ajustada/ Activo Total AjustadoСовокупный портфель займов с поправками / общие активы с поправками#N/A

Encours brut de prêts, ajusté pour la radiation normalisée de prêtsCartera Bruta de Préstamos, Ajustada por Castigos EstandardizadosСовокупный портфель займов с учетом поправок на стандартные списания#N/A

Nombre d'emprunteurs actifs femmes/ Nombre d'emprunteurs actifs, ajustéNúmero de Prestatarias (mujeres) Activas/ Número de Prestatarios Activos AjustadoКоличество активных заемщиков - женщин / количество активных заемщиков с учетом поправок#N/A

Nombre d'emprunteurs avec un prêt en cours, ajusté pour la radiation normalisée de prêtsNúmero de Prestatarios con Préstamos Vigentes, Ajustado por Castigos EstandardizadosКоличество заемщиков с непогашенными займами с учетом поправок на стандартные списания#N/A

Nombre d'épargnants avec des comptes d'épargne volontaire à vue ou à termeNúmero de depositantes voluntarios con cuentas corrientes, cuentas de ahorro y depósitos a plazoКоличество сберегателей, имеющих добровольные сберегательные счета - срочные и до востребования#N/A

Nombre de prêts en cours, ajusté pour la radiation normalisée de prêtsNúmero de Préstamos Vigentes, Ajustado por Castigos EstandardizadosКоличество непогашенных займов с учетом поправок на стандартные списания#N/A

Nombre total d'épargnants Número total de Depositantes (considerando todos los tipos de cuentas de depósito)Количество добровольных сберегательных счетов - срочных и до востребования#N/A

Nombre total de comptes d'épargneNúmero total de Cuentas de Depósito

Montant total des comptes d'épargne Saldo total de las Cuentas de DepósitoОбщая стоимость добровольных сберегательных счетов - срочных и до востребования#N/A

Total de l'épargne/ Nombre total de comptes d'épargne Depósitos / Número de Cuentas de DepósitoСумма добровольных сбережений / Количество счетов добровольных сбережений#N/A

Total de l'épargne/ Nombre d'épargnants totalDepósitos/ Número de DepositantesСумма добровольных сбережений / Количество добровольных сберегателей#N/A

Emprunteurs par agent de créditPrestatarios por Oficial de CréditoКол-во заемщиков на менеджера займов#N/A

Emprunteurs par effectif du personnelPrestatarios por Personal Кол-во заемщиков на одного сотрудника#N/A

Comptes d'épargne par effectif du personnelCuentas de Depósito por PersonalКол-во сберегательных счетов на одного сотрудника#N/A

Prêts par agent de créditPréstamos por Oficial de CréditoКол-во займов на менеджера займов #N/A

Prêts par effectif du personnelPréstamos por Personal Кол-во займов на одного сотрудника #N/A

Distribution du personnelRazón de Distribución de PersonalКоэфф. распределения сотрудников #N/A

PRODUCTIVITÉProductividad ПРОИЗВОДИТЕЛЬНОСТЬ #N/A

Epargnants par effectif du personnelDepositantes por Personal Кол-во сбрегателей на одного сотрудника#N/A

Nombre d'emprunteurs actifs, ajusté/ Nombre d'agents de créditNúmero de Prestatarios Activos/ Número de Oficiales de CréditoКоличество активных заемщиков с поправками / Количество менеджеров займов#N/A

Nombre d'emprunteurs actifs, ajusté/ Effectifs du personnelNúmero de Prestatarios Activos Ajustado/ Número de PersonalКоличество активных заемщиков с поправками / Количество сотрудников#N/A

Nombre de prêts en cours, ajusté/ Nombre d'agents de créditNúmero de Préstamos Vigentes Ajustado/ Número de Oficiales de CréditoКоличество непогашенных займов с поправками / Количество менеджеров займов#N/A

Nombre de prêts en cours, ajusté/ Effectifs du personnelNúmero de Préstamos Vigentes Ajustado/ Número de PersonalКоличество непогашенных займов с поправками / Количество сотрудников#N/A

Nombre de comptes d'épargne / Effectifs du personnelNúmero de Cuentas de Depósito/ Número de PersonalКоличество сберегательных счетов / Количество сотрудников#N/A

Nombre d'agents de crédit/ Effectifs du personnelNúmero de Oficiales de Crédito/ Número de PersonalКоличество менеджеров займов / Количество сотрудников#N/A

Nombre d'épargnants ./ Effectifs du personnelNúmero de Depositantes / Número de PersonalКоличество добровольных сберегателей / Количество сотрудников#N/A

Ratio des produits financiers sur actifRazón de Ingreso Financiero Коэфф. финанс. доходов #N/A

Marge bénéficiaireMargen de Ganancia Норма прибыли #N/A

PRODUITS D'EXPLOITATIONINGRESOS ДОХОДЫ Receitas

Rendement nominal du portefeuille brutRendimiento Nominal sobre la Cartera BrutaДоходность совокупного портфеля (номинальная)#N/A

Rendement réel du portefeuille brutRendimiento Real sobre la Cartera BrutaДоходность совокупного портфеля (реальная)#N/A

(Rendement nominal du portefeuille brut - Taux d'inflation)/ (1 + Taux d'inflation)(Rendimiento nominal sobre la cartera bruta - Tasa de inflación)/ (1 + Tasa de inflación)(Доходность совокупного портфеля (номинальная) с поправками – уровень инфляции) / (1 + уровень инфляции)#N/A

Intérêts, frais et commissions perçus sur le portefeuille de crédits/ Encours de crédits brut moyen, retraitéIngresos Financieros por Cartera Bruta de Préstamos/ Cartera Bruta de Préstamos Promedio AjustadaФинансовый доход от портфеля займов с поправками / Средний совокупный портфель займов с поправками#N/A

Produits financiers, ajustés/ Actif moyenIngresos financieros Ajustados/ Activo Total Promedio AjustadoФинансовый доход с поправками / Средние общие активы с поправками#N/A

Résultat opérationnel, ajusté/ Produits financiers, ajustésResultado de operación neto Ajustado/ Ingresos operacionales AjustadosЧистый операционный доход с поправками / Финансовый доход с поправками#N/A

Ratio de liquidité généraleRazón Corriente Коэффициент текущей ликвидности #N/A

Taux de pertes sur prêtsTasa de Préstamos IncobrablesУровень потерь по займам #N/A

Actifs non productifs en pourcentage de l'actif totalActivos Líquidos No Prod./ Activo TotalНе приносящие дохода ликвидные активы в % к общим активам#N/A

Portefeuille à risque > 30 joursCartera en Riesgo > 30 Días Риск портфеля > 30 дней #N/A


RISQUES ET LIQUIDITÉRIESGO Y LIQUIDEZ РИСК И ЛИКВИДНОСТЬ #N/A

Taux de couverture du risqueRazón de Cobertura de RiesgoПокрытие риска #N/A

Taux de radiation de prêtsRazón de Préstamos CastigadosКоэфф. списаний #N/A

Valeur des prêts radiés, ajustée et diminuée des reprises de capital/ Encours brut moyen de prêtsPréstamos castigados ajustados, neto de recuperaciones/ Promedio de la cartera bruta ajustadaСписания с поправками без учета возвратов / Средний совокупный портфель займов с поправками#N/A

Caisses et disponibilités bancaires/ Total actif, retraitéCaja y Banco Ajustado/ Activo Total AjustadoНаличные и к получению от банков / Общие активы с поправками#N/A

Provision pour prêts irrécouvrables, ajustée/ PAR > 30 joursProvisión para Cartera de Préstamos/ Cartera en Riesgo > 30 díasРезерв на потери по займам с поправками / PAR > 30 дней#N/A

Valeur des prêts radiés, ajustée/ Encours brut moyen de prêtsValor de Préstamos Castigados Ajustado/ Cartera Bruta Promedio AjustadaСтоимость списанных займов / Средний совокупный портфель займов с поправками#N/A

Capital restant dû pour prêts avec montants échus > 30 jours/ Encours brut de prêts, ajustéSaldo de Préstamos Atrasados > 30 días/ Cartera Bruta de Préstamos AjustadaНепогашенный остаток займов с просрочкой > 30 дней/ Совокупный портфель займов с поправками#N/A

Capital restant dû pour prêts avec montants échus > 90 jours/ Encours brut de prêts, ajustéSaldo de Préstamos Atrasados > 90 días/ Cartera Bruta de Préstamos AjustadaНепогашенный остаток займов с просрочкой > 90 дней/ Совокупный портфель займов с поправками#N/A

Actif à court terme/ Passif à court termeActivo de Corto Plazo / Pasivo de Corto PlazoКраткосрочные активы / Краткосрочные обязательства#N/A

-- non affilié -- -- no afiliado -- #N/A -- nao affiliated --

28/29 février 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 septembre 30 de septiembre #N/A 30 de setembro

31 août #N/A #N/A 31 de agosto

31 décembre 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 março

31 mai 31 de mayo #N/A 31 de maio

31 octobre 31 de octubre #N/A 31 de outubro

Compte Cuenta Счет #N/A

Actif Activ #N/A #N/A

#N/A Cuentas Auditadas #N/A #N/A

#N/A Presupuesto Бюджет Orçamento

Anglais #N/A #N/A #N/A

Evaluateurs externes, Agence de Rating#N/A #N/A #N/A

Français #N/A #N/A #N/A

Groupe #N/A Группа Grupo

Haute priorité #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

Réseaux d'affiliation #N/A #N/A #N/A

Non No Нет. Não

#N/A No revisadas cuentas #N/A #N/A

Non visible #N/A #N/A #N/A

Espagnole #N/A #N/A #N/A

Autorité de supervision #N/A #N/A #N/A

Non classé #N/A #N/A #N/A

Oui Sí Да Sim

Date de fin d'extraction #N/A #N/A #N/A

Date de début d'extraction#N/A #N/A #N/A

Niveau d'accès #N/A #N/A #N/A

Activités #N/A #N/A #N/A

Adresse Dirección: Адрес #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 : Références #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

Coût total des biens vendus#N/A #N/A #N/A


Devise Moneda Валюта #N/A

Nom du fichier #N/A #N/A #N/A

Charges financières #N/A Финансовые затраты Custos financeiros

Prénom(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 équipement#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 charges #N/A #N/A #N/A

Autres revenus #N/A Прочий доход Outras receitas

Autre produitsOtros productos Другие продукты #N/A

Numéro de téléphoneTeléfono Телефон #N/A

Téléphone (2) #N/A #N/A #N/A


Poduits #N/A Продукты Produtos

Fin de publication #N/A #N/A #N/A

Début de publication #N/A #N/A #N/A

Région #N/A #N/A Região

Fin de période reléative (en jours)#N/A #N/A #N/A

Début 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'ACTIFTOTAL DEL ACTIVO Общие активы Ativos Totais

Ventes totales #N/A #N/A #N/A

Date valeur #N/A #N/A #N/A

Visibilité #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 Почтовый индекс #N/A

Résumé #N/A #N/A #N/A

Opinion de l'auditeurOpinión del auditor #N/A Opinião do auditor

Procédure d'autorisation #N/A #N/A #N/A

Bank #N/A #N/A Banco

Opinion du CAOpinión del junta directiva #N/A Opinião da Assembléia Geral

Bas #N/A #N/A #N/A

Conseil en développement des entreprisesServicios de desarrollo empresarial #N/A Serviços para desenvolvimento empresarial

Subventions pour le renforcement de capacitéDonaciones para el fomento de capacidad #N/A Doações para fomentar capacidade

#N/A #N/A #N/A Gerente Executivo

Directeur (administratif et) financierGerente Financiero #N/A Gerente Financeiro

Coopérative / Caisse mutuelle#N/A #N/A Cooperativa

#N/A #N/A #N/A Gerente de Empréstimos

Quotidienne #N/A #N/A #N/A

Procédure déclarative #N/A #N/A #N/A

Subventions Donaciones para Subsidiar Servicios FinancierosПожертвования - субсидирование финансовых услугDoações

#N/A #N/A #N/A Não

#N/A #N/A #N/A Doutor

#N/A Educación #N/A Educação

#N/A #N/A #N/A Investimentos em participação acionária

Equity Investment #N/A #N/A #N/A

Complet #N/A #N/A #N/A

Services financiers commerciauxOtros servicios financieros #N/A Outros serviços financeiros

Entièrement #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 Transferências de Fundos

#N/A #N/A #N/A Doações/Subsídios

#N/A #N/A #N/A Garantias

Santé Salud #N/A Saúde

Assurance Seguro #N/A Seguros

Crédit bail Arrendamientos #N/A Leasing (arrendamento)

Dettes Préstamos #N/A Empréstimos

Prêts (monnaie locale)Préstamos (moneda local) #N/A Empréstimos (em moeda local)

Prêts ($US) Préstamos ($USD) #N/A Empréstimos (em Dólares)

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 Ежемесячно. Mensalmente

M. Sr. #N/A Senhor

Mme. Sra. #N/A Senhora

#N/A d #N/A #N/A

Non No Нет. Não

Intermédiare financier non bancaireIntermediario financiero no bancario #N/A Intermediário financeiro no bancário

#N/A #N/A #N/A ONG

Non.Visible Non-Visible #N/A #N/A


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 notationCalificación #N/A Rating/Avaliação

Epargne Depósitos Сбережения Depósitos de Poupança

Adresse secondaire #N/A #N/A #N/A

Prêts aux IMFPréstamos de segundo piso a IMFs #N/A Empréstimos de segundo nivel às IMFs

Participation des membresCapital Social #N/A Acionistas

Haut #N/A Вверх Topo

Formation/consultationCapacitación/Asesoría #N/A #N/A

Épargne volontaireAhorros Voluntarios Добровольные сбережения Poupança voluntária

Hebdomadaire #N/A Еженедельно Semanalmente

Annuelle #N/A Ежегодно Anualmente

Oui Sí Да Sim

( > 8 ans) ( > 8 Años) ( > 8 лет) #N/A

(0 à 4 ans) (0 a 4 Años) (0 – 4 года) #N/A

(5 à 8 ans) (5 a 8 Años) (5 – 8 лет) #N/A

Age: Edad: Возраст: #N/A

Benchmarks par âge et tailleBenchmarks por Edad y EscalaДанные бенчмаркинга – возраст и масштабы#N/A

Mature Madura Зрелые #N/A

Nouvelle Nueva Новые Novo

Jeune Joven Молодые #N/A

(Banque) (Banco) (Банк) #N/A

(Coopérative) (Cooperativa) (Кредитный союз) #N/A

(Intermédiaire financier non bancaire)(Intermediario Financiero No Bancario)(Небанковский финансовый посредник)#N/A

(Organisation non-gouvernementale)(Organización No Gubernamental)(Неправительственная организация) #N/A

(Banque rurale)(Banco rural) (Сельский банк) #N/A

Banque Banco Банк #N/A

Benchmark par statut juridiqueBenchmarks por Estatuto JurídicoДанные бенчмаркинга - орг-правов. форма#N/A

Statut juridique:Estatuto Jurídico: Орг-правовая форма: #N/A

Coopérative Cooperativa Кредитный союз #N/A

IFNB IFNB НБФО #N/A

ONG ONG НПО #N/A

Banque ruraleBanco rural Сельский банк Banco Rural

(Afrique; PF < $2,000,000 et Prêt moyen par emprunteur/ PNB par habitant < 20% et Prêt moyen par emprunteur < USD 150)(África; CBP < $2,000,000 y Saldo Promedio por Prestatario/ INB per Capita < 20% y Balance Media por Prestatario < USD 150)(Африка; СПЗ < 2 000 000 дол.; Средн. непогаш. остаток на заемщ. / ВНД на душу нас. < 20% и Ср. неп. ост. на заемщ. < 150 дол. США)#N/A

(Afrique; PF < $2,000,000 et Prêt moyen par emprunteur/ PNB par habitant ≥ 20% et ≤ 150%)(África; CBP < $2,000,000 y Saldo Promedio por Prestatario/ INB per Capita ≥ 20% y ≤ 150%)(Африка; СПЗ < 2 000 000 дол.; Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и Ср. неп. ост. на заемщ. ≥ 150 дол. США)#N/A

(Afrique; PF < $2,000,000)(África; CBP < $2,000,000) (Африка, СПЗ < 2 000,000 дол.) #N/A

(Afrique; PF < $2,000,000; Epargne volontaire/ Actif total < 20%)(África; CBP < $2,000,000; y Ahorros Voluntarios/ Total del Activo < 20%)(Африка, СПЗ < 2 000 000 дол.; Добровольные сбережения / Общие активы < 20%)#N/A

(Afrique; PF < $2,000,000; Auto-suffisance financière < 100%)(Africa; CBP < $2,000,000; Auto-Suficiencia Financiera < 100%)(Африка; СПЗ < $2,000,000; Финансовая самоокупаемость < 100%)#N/A

(Afrique; PF < $2,000,000; Auto-suffisance financière > 100%)(Africa; CBP < $2,000,000; Auto-Suficiencia Financiera > 100%)(Африка; СПЗ < $2,000,000; Финансовая самоокупаемость > 100%)#N/A

(Afrique; PF < $2,000,000; Epargne volontaire/ Actif total ≥ 20%)(África; CBP < $2,000,000; Ahorros Voluntarios/ Total del Activo ≥ 20%)(Африка, СПЗ < 2 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)#N/A

(Afrique; PF > $8,000,000; Auto-suffisance financière < 100%)(Africa; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%)(Африка; СПЗ > $8,000,000; Финансовая самоокупаемость < 100%)#N/A

(Afrique; PF > $8,000,000; Auto-suffisance financière > 100%)(Africa; CBP > $8,000,000; Auto-Suficiencia Financiera > 100%)(Африка; СПЗ > $8,000,000; Финансовая самоокупаемость > 100%)#N/A

(Afrique;PF > $8,000,000; Epargne volontaire/ Actif total < 20%)(África; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo < 20%)(Африка, ВПЗ > 8 000 000 дол.; Добровольные сбережения / Общие активы < 20%)#N/A

(Afrique; PF > $8,000,000; Epargne volontaire/ Actif total ≥ 20%)(África; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo ≥ 20%)(Африка, ВПЗ > 8 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)#N/A

(Afrique; PF ≥ $2,000,000 et ≤ $8,000,000; Auto-suffisance financière < 100%)(Africa; CBP ≥ $2,000,000 y ≤ $8,000,000; Auto-Suficiencia Financiera < 100%)(Африка; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость < 100%)#N/A

(Afrique; PF ≥ $2,000,000 et ≤ $8,000,000; Auto-suffisance financière > 100%)(Africa; CBP ≥ $2,000,000 y ≤ $8,000,000; Auto-Suficiencia Financiera > 100%)(Африка; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость > 100%)#N/A

(Afrique; PF ≥ $2,000,000 et ≤ $8,000,000; Epargne volontaire/ Actif total ≥ 20%)(África; CBP ≥ $2,000,000 y ≤ $8,000,000; Ahorros Voluntarios/ Total del Activo ≥ 20%)(Африка, СПЗ ≥ 2 000,000 дол. и ≤ 8 000 000;Добровольные сбережения / Общие активы ≥ 20%#N/A

(Afrique; PF ≥ $2,000,000 et ≤ $8,000,000; Epargne volontaire/ Actif total < 20%)(África; CBP ≥ $2,000,000 y ≤ $8,000,000; y Ahorros Voluntarios/ Total del Activo < 20%)(Африка, СПЗ ≥ 2 000,000 и ≤ 8 000 000 дол.;Добровольные сбережения / Общие активы<20%#N/A

(Asie; PF < $2,000,000)(Asia; CBP < $2,000,000) (Азия; СПЗ < 2 000,000 дол.) #N/A

(Asie; PF < $2,000,000; Auto-suffisance financière < 100%)(Asia; CBP < $2,000,000; Auto-Suficiencia Financiera < 100%)(Азия; СПЗ < $2,000,000; Финансовая самоокупаемость < 100%)#N/A

(Asie; PF < $2,000,000; Auto-suffisance financière > 100%)(Asia; CBP < $2,000,000; Auto-Suficiencia Financiera > 100%)(Азия; СПЗ < $2,000,000; Финансовая самоокупаемость > 100%)#N/A

(Asie; PF < $2,000,000; Epargne volontaire/ Actif total < 20%)(Asia; CBP < $2,000,000; Ahorros Voluntarios/ Total del Activo < 20%)(Азия; СПЗ < 2 000 000 дол.; Добровольные сбережения / Общие активы < 20%)#N/A

(Asie; PF < $2,000,000; Epargne volontaire/ Actif total ≥ 20%)(Asia; CBP < $2,000,000; Ahorros Voluntarios/ Total del Activo ≥ 20%)(Азия; СПЗ < 2 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)#N/A

(Asie; PF > $8,000,000; Auto-suffisance financière < 100%)(Asia; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%)(Азия; СПЗ > $8,000,000; Финансовая самоокупаемость < 100%)#N/A

(Asie; PF > $8,000,000; Auto-suffisance financière > 100%)(Asia; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%)(Азия; СПЗ > $8,000,000; Финансовая самоокупаемость > 100%)#N/A

(Asie; PF > $8,000,000; Epargne volontaire/ Actif total < 20%)(Asia; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo < 20%)(Азия; ВПЗ > 8 000 000 дол.; Добровольные сбережения / Общие активы < 20%)#N/A

(Asie; PF > $8,000,000; Epargne volontaire/ Actif total ≥ 20%)(Asia; CBP > $8,000,000; Ahorros Voluntarios/ Total del Activo ≥ 20%)(Азия; ВПЗ > 8 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)#N/A

(Asie; PF ≥ $2,000,000 et ≤ $8,000,000; Auto-suffisance financière < 100%)(Asia; CBP ≥ $2,000,000 y ≤ $8,000,000; Auto-Suficiencia Financiera < 100%)(Азия; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость < 100%)#N/A

(Asie; PF ≥ $2,000,000 et ≤ $8,000,000; Auto-suffisance financière > 100%)(Asia; CBP ≥ $2,000,000 y ≤ $8,000,000; Auto-Suficiencia Financiera > 100%)(Азия; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость > 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%)(Азия; СПЗ ≥ 2 000,000 и ≤ 8 000 000 дол.; Добровольные сбережения / Общие активы ≥ 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%)(Азия; СПЗ ≥ 2 000,000 и ≤ 8 000 000 дол.;Добровольные сбережения / Общие активы<20%#N/A

(EAC; Prêt moyen par emprunteur/ PNB par habitant ≥ 150% et ≤ 275%)(ECA; Saldo Promedio por Prestatario/ PNB per Cápita > 150% y ≤ 275%)(ЕЦА; Средн. непогаш. остаток на заемщ. / ВНД на душу нас.> 150% и ≤ 250%)#N/A

(EAC; PF < $2,000,000)(ECA; CBP < $2,000,000) (ЕЦА; СПЗ < 2 000,000 дол.) #N/A

(EAC; PF < $2,000,000; Prêt moyen par emprunteur/ PNB par habitant < 20% et Prêt moyen par emprunteur < USD 150)(ECA; CBP < $2,000,000; y Saldo Promedio por Prestatario/ PNB per Cápita < 20% y Saldo Promedio por Prestatario < USD 150)(ЕЦА; СПЗ < 2 000 000 дол.; Средн. непогаш. остаток на заемщ. / ВНД на душу нас. < 20% и Ср. неп. ост. на заемщ. < 150 дол. США)#N/A

(EAC; PF < $2,000,000; Prêt moyen par emprunteur/ PNB par habitant ≥ 20% and ≤ 150%)(ECA; CBP < $2,000,000; y Saldo Promedio por Prestatario/ PNB per Cápita ≥ 20% y ≤ 150%)(ЕЦА; СПЗ < 2 000 000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и ≤ 150%)#N/A

(EAC; PF < $2,000,000; Prêt moyen par emprunteur/ PNB par habitant ≥ 20% and ≤ 250%)(ECA; CBP < $2,000,000; y Saldo Promedio por Prestatario/ INB per Cápita ≥ 20% y ≤ 250%)(ЕЦА; ВПЗ < 2,000,000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и ≤ 250%)#N/A

(EAC; PF < $2,000,000; Auto-suffisance financière < 100%)(ECA; CBP < $2,000,000; Auto-Suficiencia Financiera < 100%)(ЕЦА; СПЗ < $2,000,000; Финансовая самоокупаемость < 100%)#N/A

(EAC; PF < $2,000,000; Auto-suffisance financière > 100%)(ECA; CBP < $2,000,000; Auto-Suficiencia Financiera > 100%)(ЕЦА; СПЗ < $2,000,000; Финансовая самоокупаемость > 100%)#N/A

(EAC; PF > $8,000,000; Prêt moyen par emprunteur/ PNB par habitant ≥ 20% and ≤ 150%)(ECA; CBP > $8,000,000; y Saldo Promedio por Prestatario/ PNB per Cápita ≥ 20% y ≤ 150%)(ЕЦА; ВПЗ > 8 000 000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и ≤ 150%)#N/A

(EAC; PF > $8,000,000; Auto-suffisance financière < 100%)(ECA; CBP > $8,000,000; Auto-Suficiencia Financiera < 100%)(ЕЦА; СПЗ > $8,000,000; Финансовая самоокупаемость < 100%)#N/A

(EAC; PF > $8,000,000; Auto-suffisance financière > 100%)(ECA; CBP > $8,000,000; Auto-Suficiencia Financiera > 100%)(ЕЦА; СПЗ > $8,000,000; Финансовая самоокупаемость > 100%)#N/A

(EAC; PF > $8,000,000; Epargne volontaire/ Actif total > 0 et < 20%)(ECA; CBP > $8,000,000; Depósitos Voluntarios/ Activo Total > 0 y < 20%)(ЕЦА; СПЗ < 8 000 000 дол.; Добровольные сбережения / Общие активы > 0 и < 20%)#N/A

(EAC; PF > $8,000,000; Epargne volontaire/ Actif total ≥ 20%)(ECA; CBP > $8,000,000; Depósitos Voluntarios/Activo Total ≥ 20%)(ЕЦА; СПЗ < 8 000 000 дол.; Добровольные сбережения / Общие активы ≥ 20%)#N/A

(EAC; PF ≥ $2,000,000 et ≤ $8,000,000; Prêt moyen par emprunteur/ PNB par habitant > 150%)(ECA; CBP ≥ $2,000,000 y ≤ $8,000,000; Saldo Promedio por Prestatario/ INB per Cápita > 150%)(ЕЦА; ВПЗ ≥ 2,000,000 и ≤ 8,000,000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. > 150%)#N/A

(EAC; PF ≥ $2,000,000 et ≤ $8,000,000; Prêt moyen par emprunteur/ PNB par habitant ≤ 150%)(ECA; CBP ≥ $2,000,000 y ≤ $8,000,000; Saldo Promedio por Prestatario/ INB per Cápita ≤ 150%)(ЕЦА; ВПЗ ≥ 2,000,000 и ≤ 8,000,000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≤ 150%)#N/A

(EAC; PF ≥ $2,000,000 et ≤ $8,000,000; Prêt 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 Cápita ≥ 20% y ≤ 150%)(ЕЦА; СПЗ ≥ 2 000,000 и ≤ 8 000 000 дол.; (Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и ≤ 150%)#N/A

(EAC; PF ≥ $2,000,000 et ≤ $8,000,000; Auto-suffisance financière < 100%)(ECA; CBP ≥ $2,000,000 y ≤ $8,000,000; Auto-Suficiencia Financiera < 100%)(ЕЦА; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость < 100%)#N/A

(EAC; PF ≥ $2,000,000 et ≤ $8,000,000; Auto-suffisance financière > 100%)(ECA; CBP ≥ $2,000,000 y ≤ $8,000,000; Auto-Suficiencia Financiera > 100%)(ЕЦА; СПЗ ≥ $2,000,000 and ≤ $8,000,000; Финансовая самоокупаемость > 100%)#N/A

(ALC; PF < $4,000,000; Auto-suffisance financière < 100%)(LAC; CBP < $4,000,000; Auto-Suficiencia Financiera < 100%)(ЛАК; СПЗ < $4,000,000; Финансовая самоокупаемость < 100%)#N/A

(ALC; PF < $4,000,000; Auto-suffisance financière > 100%)(LAC; CBP < $4,000,000; Auto-Suficiencia Financiera > 100%)(ЛАК; СПЗ < $4,000,000; Финансовая самоокупаемость > 100%)#N/A

(ALC; PF < $4,000,000; Prêt moyen par emprunteur/ PNB par habitant ≥ 20% et ≤ 150% )(CBP < $4,000,000; Saldo Promedio por Prestatario/ PNB per Cápita ≥ 20% y ≤ 150% )(ЛАК; СПЗ < 4 000 000 дол.;Средн. непогаш. остаток на заемщ. / ВНД на душу нас.≥ 20% и ≤ 150%#N/A

(ALC; PF < $4,000,000; Prêt moyen par emprunteur/ PNB par habitant < 20% et Prêt moyen par emprunteur < USD 150)(CBP < $4,000,000; Saldo Promedio por Prestatario/ PNB per Cápita < 20% y Saldo Promedio por Prestatario < USD 150 )(ЛАК; СПЗ < 4 000 000 дол.;Средн. непогаш. остаток на заемщ. / ВНД на душу нас.<20% и Ср. неп. ост. на заемщ. < 150 дол. США#N/A

(ALC; PF > $15,000,000; Auto-suffisance financière < 100%)(LAC; CBP > $15,000,000; Auto-Suficiencia Financiera < 100%)(ЛАК; СПЗ > $15,000,000; Финансовая самоокупаемость < 100%)#N/A

(ALC; PF > $15,000,000; Auto-suffisance financière > 100%)(LAC; CBP > $15,000,000; Auto-Suficiencia Financiera > 100%)(ЛАК; СПЗ > $15,000,000; Финансовая самоокупаемость > 100%)#N/A

(ALC; PF > $15,000,000; Epargne volontaire/ Actif total < 20%)(CBP > $15,000,000; Ahorros Voluntarios/ Total del Activo < 20%)(ЛАК; СПЗ > 15 000 000 дол.; Добровольные сбережения / Общие активы < 20%)#N/A

(ALC; PF > $15,000,000; Epargne volontaire/ Actif total ≥ 20%)(CBP > $15,000,000; Ahorros Voluntarios/ Total del Activo ≥ 20%)(ЛАК; ВПЗ > 15 000 000 дол.; Добровольные сбережения / Общие активы ≥ 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 Cápita < 20% y Saldo Promedio por Prestatario < USD 150)(ЛАК; СПЗ ≥ 4 000,000 и ≤ 15 000 000 дол.; Средн. непогаш. остаток на заемщ. / ВНД на душу нас. < 20% и Ср. неп. ост. на заемщ. < 150 дол. США)#N/A

(ALC; PF ≥ $4,000,000 et ≤ $15,000,000; Prêt moyen par emprunteur/ PNB par habitant ≥ 20% et ≤ 150%)(CBP ≥ $4,000,000 y ≤ $15,000,000; Saldo Promedio por Prestatario/ PNB per Cápita ≥ 20% y ≤ 150%)(ЛАК; СПЗ ≥ 4 000,000 и ≤ 15 000 000 дол.; Средн. непогаш. остаток на заемщ. / ВНД на душу нас. ≥ 20% и ≤ 150%)#N/A

(ALC; PF ≥ $4,000,000 et ≤ $15,000,000; Auto-suffisance financière < 100%)(LAC; CBP ≥ $4,000,000 y ≤ $15,000,000; Auto-Suficiencia Financiera < 100%)(ЛАК; СПЗ ≥ $4,000,000 and ≤ $15,000,000; Финансовая самоокупаемость < 100%)#N/A

(ALC; PF ≥ $4,000,000 et ≤ $15,000,000; Auto-suffisance financière > 100%)(LAC CBP ≥ $4,000,000 y ≤ $15,000,000; Auto-Suficiencia Financiera > 100%)(ЛАК; СПЗ ≥ $4,000,000 and ≤ $15,000,000; Финансовая самоокупаемость > 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; Depósitos Voluntarios/ Activo Total ≥ 20%)(ЛАК; СПЗ ≥ 4 000,000 и ≤ 15 000 000 дол.;Добровольные сбережения / Общие активы ≥ 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; Depósitos Voluntarios/ Activo Total < 20%)(ЛАК; СПЗ ≥ 4 000,000 и ≤ 15 000 000 дол.;Добровольные сбережения / Общие активы< 20%#N/A

(MOAN; PF < $2,000,000)(MENA; CBP < $2,000,000) (БВСА; СПЗ < 2 000,000 дол.) #N/A

(MOAN; PF > $8,000,000)(MENA; CBP > $8,000,000) (БВСА; СПЗ > 8 000,000 дол.) #N/A

(MOAN; PF ≥ $2,000,000 et ≤ $8,000,000)(MENA; CBP ≥ $2,000,000 y ≤ $8,000,000)(БВСА; СПЗ ≥ 2 000,000 и ≤ 8 000,000 дол.)#N/A

Afrique GrandeÁfrica Grande #N/A #N/A

Afrique Grande Segment intermédÁfrica Grande Base Amplia #N/A #N/A

Afrique Grande ASFÁfrica Grande ASF #N/A #N/A

Afrique Grande Segment supérieurÁfrica Grande Base Alta #N/A #N/A

Afrique Grande IF élevéeÁfrica Grande IF Alta #N/A #N/A

Afrique Grande Segment inférieurÁfrica Grande Base Baja #N/A #N/A

Afrique Grande IF basseÁfrica Grande IF Baja #N/A #N/A

Afrique Grande Pas d'IFÁfrica Grande No IF #N/A #N/A

Afrique Grande non-ASFÁfrica Grande No-ASF #N/A #N/A

Afrique Grande Petite entrepriseÁfrica Grande Pequeña Empresa #N/A #N/A

Afrique MoyenneÁfrica Media #N/A #N/A

Afrique Moyenne Segment intermédÁfrica Media Base Amplia #N/A #N/A

Afrique Moyenne ASFÁfrica Media ASF #N/A #N/A

Afrique Moyenne Segment supérieurÁfrica Media Base Alta #N/A #N/A

Afrique Moyenne IF élevéeÁfrica Media IF Alta #N/A #N/A

Afrique Moyenne Segment inférieurÁfrica Media Base Baja #N/A #N/A

Afrique Moyenne IF basseÁfrica Media IF Baja #N/A #N/A

Afrique Moyenne Pas d'IFÁfrica Media No IF #N/A #N/A

Afrique Moyenne non-ASFÁfrica Media No-ASF #N/A #N/A

Afrique Moyenne Petite entrepriseÁfrica Media Pequeña Empresa #N/A #N/A

Afrique Petite África Pequeña #N/A #N/A

Afrique Petite Segment intermédÁfrica Pequeña Base Amplia #N/A #N/A

Afrique Petite ASFÁfrica Pequeña ASF #N/A #N/A

Afrique Petite Segment supérieurÁfrica Pequeña Base Alta #N/A #N/A

Afrique Petite IF élevéeÁfrica Pequeña IF Alta #N/A #N/A

Afrique Petite Segment inférieurÁfrica Pequeña Base Baja #N/A #N/A

Afrique Petite IF basseÁfrica Pequeña IF Baja #N/A #N/A

Afrique Petite Pas d'IFÁfrica Pequeña No IF #N/A #N/A

Afrique Petite non-ASFÁfrica Pequeña No-ASF #N/A #N/A

Afrique Petite Petite entrepriseÁfrica Pequeña Pequeña Empresa #N/A #N/A

Asie Grande Asia Grande #N/A #N/A

Asie Grande Segment intermédAsia Grande Base Amplia #N/A #N/A

Asie Grande ASFAsia Grande ASF #N/A #N/A

Asie Grande Segment supérieurAsia Grande Base Alta #N/A #N/A

Asie Grande IF élevéeAsia Grande IF Alta #N/A #N/A

Asie Grande Segment inférieurAsia Grande Base Baja #N/A #N/A

Asie Grande IF basseAsia Grande IF Baja #N/A #N/A

Asie Grande Pas d'IFAsia Grande No IF #N/A #N/A

Asie Grande non-ASFAsia Grande No-ASF #N/A #N/A

Asie Grande Petite entrepriseAsia Grande Pequeña Empresa #N/A #N/A

Asie MoyenneAsia Media #N/A #N/A

Asie Moyenne Segment intermédAsia Media Base Amplia #N/A #N/A

Asie Moyenne ASFAsia Media ASF #N/A #N/A

Asie Moyenne Segment supérieurAsia Media Base Alta #N/A #N/A

Asie Moyenne IF élevéeAsia MediaIF Alta #N/A #N/A

Asie Moyenne Segment inférieurAsia Media Base Baja #N/A #N/A

Asie Moyenne IF basseAsia Media IF Baja #N/A #N/A

Asie Moyenne Pas d'IFAsia Media No IF #N/A #N/A

Asie Moyenne non-ASFAsia Media No-ASF #N/A #N/A

Asie Moyenne Petite entrepriseAsia Media Pequeña Empresa #N/A #N/A

Asie Petite Asia Pequeña #N/A #N/A

Asie Petite Segment intermédAsia Pequeña Base Amplia #N/A #N/A

Asie Petite ASFAsia Pequeña ASF #N/A #N/A

Asie Petite Segment supérieurAsia Pequeña Base Alta #N/A #N/A

Asie Petite IF élevéeAsia Pequeña IF Alta #N/A #N/A

Asie Petite Segment inférieurAsia Pequeña Base Baja #N/A #N/A

Asie Petite IF basseAsia Pequeña IF Baja #N/A #N/A

Asie Petite Pas d'IFAsia Pequeña No IF #N/A #N/A

Asie Petite non-ASFAsia Pequeña No-ASF #N/A #N/A

Asie Petite Petite entrepriseAsia Pequeña Pequeña Empresa #N/A #N/A

GROUPES DE PAIRS COMPOSESGRUPOS PARES COMPUESTOSСОСТАВНЫЕ ОДНОРОДН. ГРУППЫ #N/A

EAC Grande ECA Grande #N/A #N/A

EAC Grande Segment intermédECA Grande Base Amplia #N/A #N/A

EAC Grande ASFECA Grande ASF #N/A #N/A

EAC Grande Segment supérieurECA Grande Base Alta #N/A #N/A

EAC Grande IF élevéeECA Grande IF Alta #N/A #N/A

EAC Grande Segment inférieurECA Grande Base Baja #N/A #N/A

EAC Grande IF basseECA Grande IF Baja #N/A #N/A

EAC Grande Pas d'IFECA Grande No IF #N/A #N/A

EAC Grande non-ASFECA Grande No-ASF #N/A #N/A

EAC Grande Petite entrepriseEAC Grande Pequeña Empresa #N/A #N/A

EAC MoyenneECA Media #N/A #N/A

EAC Moyenne Segment intermédECA Media Base Amplia #N/A #N/A

EAC Moyenne ASFECA Media ASF #N/A #N/A

EAC Moyenne Segment supérieurECA Media Base Alta #N/A #N/A

EAC Moyenne IF élevéeECA Media IF Alta #N/A #N/A

EAC Moyenne Segment inférieurECA Media Base Baja #N/A #N/A

EAC Moyenne IF basseECA Media IF Baja #N/A #N/A

EAC Moyenne Pas d'IFECA Media No IF #N/A #N/A

EAC Moyenne non-ASFECA Media No-ASF #N/A #N/A

EAC Moyenne Petite entrepriseEAC Media Pequeña Empresa #N/A #N/A

EAC Petite ECA Pequeña #N/A #N/A

EAC Petite Segment intermédECA Pequeña Base Amplia #N/A #N/A

EAC Petite ASFECA Pequeña ASF #N/A #N/A

EAC Petite Segment supérieurECA Pequeña Base Alta #N/A #N/A

EAC Petite IF élevéeECA Pequeña IF Alta #N/A #N/A

EAC Petite Segment inférieurECA Pequeña Base Baja #N/A #N/A

EAC Petite IF basseECA Pequeña IF Baja #N/A #N/A

EAC Petite Pas d'IFECA Pequeña No IF #N/A #N/A

EAC Petite non-ASFECA Pequeña No-ASF #N/A #N/A

EAC Petite Petite entrepriseEAC Pequeña Pequeña Empresa #N/A #N/A

ALC Grande LAC Grande #N/A #N/A

ALC Grande Segment intermédLAC Grande Base Amplia #N/A #N/A

ALC Grande ASFLAC Grande ASF #N/A #N/A

ALC Grande Segment supérieurLAC Grande Base Alta #N/A #N/A

ALC Grande IF élevéeLAC Grande IF Alta #N/A #N/A

ALC Grande Segment inférieurLAC Grande Base Baja #N/A #N/A

ALC Grande IF basseLAC Grande IF Baja #N/A #N/A

ALC Grande Pas d'IFLAC Grande No IF #N/A #N/A

ALC Grande non-ASFLAC Grande No-ASF #N/A #N/A

ALC Grande Petite entrepriseLAC GrandePequeña Empresa #N/A #N/A

ALC MoyenneLAC Media #N/A #N/A

ALC Moyenne Segment intermédLAC Media Base Amplia #N/A #N/A

ALC Moyenne ASFLAC Media ASF #N/A #N/A

ALC Moyenne Segment supérieurLAC Media Base Alta #N/A #N/A

ALC Moyenne IF élevéeLAC Media IF Alta #N/A #N/A

ALC Moyenne Segment inférieurLAC Media Base Baja #N/A #N/A

ALC Moyenne IF basseLAC Media IF Baja #N/A #N/A

ALC Moyenne Pas d'IFLAC Media No IF #N/A #N/A

ALC Moyenne non-ASFLAC Media No-ASF #N/A #N/A

ALC Moyenne Petite entrepriseLAC Media Pequeña Empresa #N/A #N/A

ALC Petite LAC Pequeña #N/A #N/A

ALC Petite Segment intermédLAC Pequeña Base Amplia #N/A #N/A

ALC Petite ASFLAC Pequeña ASF #N/A #N/A

ALC Petite Segment supérieurLAC Pequeña Base Alta #N/A #N/A

ALC Petite IF élevéeLAC Pequeña IF Alta #N/A #N/A

ALC Petite Segment inférieurLAC Pequeña Base Baja #N/A #N/A

ALC Petite IF basseLAC Pequeña IF Baja #N/A #N/A

ALC Petite Pas d'IFLAC Pequeña No IF #N/A #N/A

ALC Petite non-ASFLAC Pequeña No-ASF #N/A #N/A

ALC Petite Petite entrepriseLAC Pequeña Pequeña Empresa #N/A #N/A

MOAN GrandeMENA Grande #N/A #N/A

MOAN Grande Segment intermédMENA Grande Base Amplia #N/A #N/A

MOAN Grande ASFMENA Grande ASF #N/A #N/A

MOAN Grande Segment supérieurMENA Grande Base Alta #N/A #N/A

MOAN Grande IF élevéeMENA Grande IF Alta #N/A #N/A

MOAN Grande Segment inférieurMENA Grande Base Baja #N/A #N/A

MOAN Grande IF basseMENA Grande IF Baja #N/A #N/A

MOAN Grande Pas d'IFMENA Grande No IF #N/A #N/A

MOAN Grande non-ASFMENA Grande No-ASF #N/A #N/A

MOAN Grande Petite entrepriseMENA Grande Pequeña Empresa #N/A #N/A

MOAN MoyenneMENA Media #N/A #N/A

MOAN Moyenne Segment intermédMENA Media Base Amplia #N/A #N/A

MOAN Moyenne ASFMENA Media ASF #N/A #N/A

MOAN Moyenne Segment supérieurMENA Media Base Alta #N/A #N/A

MOAN Moyenne IF élevéeMENA Media IF Alta #N/A #N/A

MOAN Moyenne Segment inférieurMENA Media Base Baja #N/A #N/A

MOAN Moyenne IF basseMENA Media IF Baja #N/A #N/A

MOAN Moyenne Pas d'IFMENA Media No IF #N/A #N/A

MOAN Moyenne non-ASFMENA Media No-ASF #N/A #N/A

MOAN Moyenne Petite entrepriseMENA Media Pequeña Empresa #N/A #N/A

MOAN Petite MENA Pequeña #N/A #N/A

MOAN Petite Segment intermédMENA Pequeña Base Amplia #N/A #N/A

MOAN Petite ASFMENA Pequeña ASF #N/A #N/A

MOAN Petite Segment supérieurMENA Pequeña Base Alta #N/A #N/A

MOAN Petite IF élevéeMENA Pequeña IF Alta #N/A #N/A

MOAN Petite Segment inférieurMENA Pequeña Base Baja #N/A #N/A

MOAN Petite IF basseMENA Pequeña IF Baja #N/A #N/A

MOAN Petite Pas d'IFMENA Pequeña No IF #N/A #N/A

MOAN Petite non-ASFMENA Pequeña No-ASF #N/A #N/A

MOAN Petite Petite entrepriseMENA Pequeña Pequeña Empresa #N/A #N/A

(Epargne/ Actif total = 0)(Ahorros/ Total del Activo = 0)(сбережения / Общие активы = 0) #N/A

(Epargne/ Actif total > 0 et<20%)(Ahorros/ Total del Activo > 0 y < 20%)(сбережения / Общие активы > 0 и < 20%)#N/A

(Epargne/ Actif total ≥ 20%)(Ahorros/ Total del Activo ≥ 20%)(сбережения / Общие активы ≥ 20%) #N/A

IF IF ФП #N/A

Intermédiation:Intermediación: Финансовое посредничество: #N/A

IF élevée IF Alta Высок. ФП #N/A

IF basse IF Baja Низк. ФП #N/A

Pas d'IF No IF Не ФП #N/A

(Individuelle et Solidarité; ou Individuelle, Solidarité et Caisse villageoise)(Individual y Solidario; o Individual, Solidario, y Bancos Comunales)(Индивид. и солидарн. или индивид., солидарн. и Village Банкing)#N/A

Benchmarks par méthodologieBenchmarks por MetodologíaДанные бенчмаркинга – технология #N/A

Individ. Individual Индивид. #N/A

Individ./ solidaireIndividual/ Solidario Индивид./ солидарн. #N/A

Méthodologie:Metodología: Технология: #N/A

Groupe solidaireSolidario Солидарн. #N/A

Caisse villageoiseBanco Comunal Village Банкing #N/A

(Nombre d'emprunteurs < 10,000)(Número de prestatarios < 10,000)(Число заемщиков < 10 000) #N/A

(Nombre d'emprunteurs > 30,000)(Número de prestatarios > 30,000)(Число заемщиков > 30 000) #N/A

(Nombre d'emprunteurs ≥ 10,000 et≤ 30,000)(Número de prestatarios ≥ 10,000 y ≤ 30,000)(Число заемщиков ≥ 10 000 и ≤ 30 000)#N/A

Benchmarks par portée et intermédiationBenchmarks por Intermediación y CuartilesДанные бенчмаркинга – охват и посредничество#N/A

Grande Grande Крупные #N/A

Grande (portée)Alto (Alcance) Крупные (охват) #N/A

Moyenne Medio Средние #N/A

Moyenne (portée)Medio (Alcance) Средние (охват) #N/A

Portée: Alcance: Охват: #N/A

Petite Pequeño Малые #N/A

Petite (portée)Bajo (Alcance) Малые(охват) #N/A

A but lucratif Con Fines de Lucro Прибыльная #N/A

A but non lucratifSin Fines de Lucro Некоммерческая #N/A

Statut fiscal: Fines: Прибыльность: #N/A

(Europe de l'Est et Asie Centrale)(Europa del Este y Asia Central)(Восточная Европа и Цент. Азия) #N/A

(Amérique Latine et Caraïbes)(América Latina y El Caribe) (Латинская Америка и Карибы) #N/A

(Moyen Orient et Afrique du Nord)(Medio Oriente y África del Norte)(Ближний Восток и Северная Африка) #N/A

(Asie du Sud et de l'Est)(Asia del Sur y Este) (Юго-Восточная Азия) #N/A

(Afrique sub-saharienne)(África del Sur de Sahara) (Африка к югу от Сахары) #N/A

Afrique África Африка #N/A

Asie Asia Азия #N/A

EAC ECA ЕЦА #N/A

ALC LAC ЛАК #N/A

MOAN MENA БВСА #N/A

Région: Región: Регион: #N/A

(PF en USD, ALC , 4,000,000;Autres<2,000,000)(CBP en USD < 4,000,000) (СПЗ в дол. США, ЛАК < 4 000 000;Другие<2 000 000#N/A

(PL en USD, ALC < 15,000,000;Autres>8,000,000)(CBP en USD > 15,000,000) (СПЗ в дол. США, ЛАК > 15 000 000;Другие>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)(СПЗ в дол. США,ЛАК ≥ 4 000 000 и ≤ 15 000 000;Другие ≥ 2 000 000 и ≤ 8 000 000#N/A

Grande (taille)Grande (Escala) Крупные (масштаб) #N/A

Moyenne (taille)Media (Escala) Средние (масштаб) #N/A

Taille: Escala: Масштаб: #N/A

Petite (taille) Pequeña (Escala) Малые (масштаб) #N/A

(Auto-suffisance financière < 100%)(Auto-Suficiencia Financiera < 100%)(Финансовая самоокупаемость < 100%)#N/A

(Auto-suffisance financière > 100%)(Auto-Suficiencia Financiera > 100%)(Финансовая самоокупаемость > 100%)#N/A

Benchmarks par viabilité et statut fiscalBenchmarks por Sostenibilidad y FinesДанные бенчмаркинга – Самоокупаемость и прибыльность#N/A

ASF ASF ПСО #N/A

non-ASF No-ASF не ПСО #N/A

Viabilité: Sostenibilidad: Самоокупаемость: #N/A

(Prêt moyen par emprunteur/ PNB par habitant < 20% et Prêt moyen par emprunteur < USD 150)(Saldo Promedio por Prestatario/ PNB per Capita < 20%)(Средний непогашенный остаток на заемщика / ВНД на душу нас.< 20% и Ср. неп. ост. на заемщ. < 150 дол. США)#N/A

(Prêt moyen par emprunteur/ PNB par habitant > 150% et ≤ 250%)(Saldo Promedio por Prestatario/ PNB per Capita > 150% y ≤ 250%)(Средний непогашенный остаток на заемщика / ВНД на душу нас. > 150% и ≤ 250%)#N/A

(Prêt moyen par emprunteur/ PNB par habitant > 250%)(Saldo Promedio por Prestatario/ PNB per Capita > 250%)(Средний непогашенный остаток на заемщика / ВНД на душу нас.> 250%)#N/A

(Prêt moyen par emprunteur/ PNB par habitant ≥ 20% et ≤ 150%)(Saldo Promedio por Prestatario/ PNB per Capita ≥ 20% y ≤ 150%)(Средний непогашенный остаток на заемщика / ВНД на душу нас. ≥ 20% и ≤ 150%)#N/A

Benchmarks par marché cibleBenchmarks por Mercado MetaДанные бенчмаркинга – целевой рынок#N/A

Segment interméd.Base Amplia Широк. #N/A

Segment supérieurBase Alta Высок. доход #N/A

Segment inférieurBase Baja Низк. доход #N/A

Petite entreprisePequeña Empresa Малый бизнес #N/A

Marché cible: Mercado Meta: Целевой рынок: #N/A

10ème percentilePercentil 10 #N/A #N/A




Ajusté Ajustado С учетом поправок #N/A

All rights reserved. Terms of Service apply. For more information visit www.themix.orgAll rights reserved. Terms of Service apply. For more information visit www.themix.org#N/A #N/A

Nom du BenchmarkNombre del Benchmark #N/A #N/A

Rapport d'analyse comparativeInforme de Análisis Comparativo #N/A #N/A

Copyright ﾩ 2007 Microfinance Information eXchange, Inc. (MIX).Copyright ﾩ 2007 Microfinance Information eXchange, Inc. (MIX).#N/A #N/A

Nombre Cuenta #N/A #N/A

Pays: País: #N/A #N/A

Critères utilisés pour définir les groupes de pairsArchivo de Criterios para los Benchmarks #N/A #N/A

Coefficient de change:Factor de cambio de moneda: #N/A #N/A

Devise: Moneda: Валюта: #N/A

Devise: Moneda: Валюта: Moeda?

Fichier contenant les informations sur les IMF pour les benchmarksArchivo de Información de IMFs para los Benchmarks#N/A #N/A

Version d’extraction des donnéesVersión de Datos Extraidos #N/A #N/A

Indice de qualité de données:Grado de Calidad de Datos: #N/A #N/A

Date de déclaration:Fecha de Remisión: #N/A #N/A

Date de création du benchmarkFecha de Creación #N/A #N/A

Fin: Fin: #N/A #N/A

Maximum Máximo Максимум #N/A

Moyenne Promedio #N/A #N/A

Médiane Mediana Медиан. #N/A

IMF: IMF: #N/A #N/A

IMF inclues dans ce benchmarkIMFs incluidas en este Benchmark #N/A #N/A

Minimum Mínimo Минимум #N/A

Pas de donnée inclue dans ces benchmarks pour cette IMFNo hay datos para esta IMF en un Benchmark actual#N/A #N/A

Catégorie du groupe de pairCategoría de Grupo Par #N/A #N/A

Groupe de pairsGrupo Par ОДНОРОДНАЯ ГРУППА #N/A

Statut de publicationEstado de Publicación #N/A #N/A

Année du BenchmarkAño para datos del Benchmark #N/A #N/A

Ecart type Desviación Estándar Стандартн. отклонение #N/A

Début: Inicio: #N/A #N/A

Type de statistiquesTipo de Estadístico #N/A #N/A

Non-ajusté No Ajustado #N/A #N/A

Année: Año: Год: #N/A

Analyse comparativeAnálisis Comparativo Сравнительный анализ #N/A

Rapport de Performance PersonnaliséInforme Personalizado de DesempeñoПерсонифицированный отчет о результатах деятельности#N/A

Rapport de performances personnalisé et MicroBanking BulletinInforme Personalizado de Desempeño y MicroBanking BulletinПерсонифицированные отчеты о результатах деятельности и «MicroBanking Bulletin»#N/A

Utiliser le Rapport de Performance PersonnaliséUso de Informe de Desempeño PersonalizadoИспользование персонифицированных отчетов о результатах деятельности#N/A

Ratio de ch. aministratives ajustéRazón de Gasto Administrativo, AjustadoКоэфф. адм. расх. с поправк. #N/A

Ratio de ch. financières ajustéRazón de Gasto Financiero, AjustadoКоэфф. финанс. расх. с поправк. #N/A

Ratio de dot. aux prov pour prêts irrécouv. ajustéRazón de Provisión para Incobrables, AjustadaКоэфф. расх. на резерв с поправками #N/A

Nombre d'emprunteurs ajustés et encours brut de prêtsNúmero de Prestatarios y Cartera Bruta Ajustada Кол-во заемщиков и совокупный портфель займов с поправками#N/A

Ratio de ch. de personnel ajustéRazón de Gasto de Personal, AjustadoКоэфф. расх. на оплату труда с поправк.#N/A

Rendement de l'actif (IMF par rapport à tous participants)Retorno Sobre Activos, Ajustado IMF v. Todos Participantes)Доходность активов с поправками (МФО – все участники)#N/A

Solde moyen des comptesSaldo Promedio de Cuentas #N/A #N/A

Composantes des charges (IMF vs. Pairs)Descomposición de Gastos (IMF vs. Pares)Распределение расходов (МФО – группа)#N/A

Capital/ Actif (IMF)Patrimonio/ Activos (IMF) Показатель капитал / активы (МФО) #N/A

Capital/ Actif (Groupe de pairs)Patrimonio/ Activos (Grupo Par)Показатель капитал / активы (группа) #N/A

Clients et servicesClientes y Servicios #N/A #N/A

Clients Servis Clientes Servidos Обслужили клиентов #N/A

Coût par emprunteur (USD)Gasto por Prestatario (USD) Стоим. на заемщ. - дол. США #N/A

Coût par emprunteur - USD (IMF)Gasto por Prestatario - USD (IMF)Стоим. на заемщ. - дол. США (МФО) #N/A

Coût par emprunteur - USD (Groupe de pairs)Gasto por Prestatario - USD (Grupo Par)Стоим. на заемщ. - дол. США (группа) #N/A

Couverture des chargesCobertura de Gastos #N/A #N/A

Décomposition du rendement de l'actifDescomposición de Retorno sobre ActivosДоходность активов по компонентам #N/A

Efficience et coût au clientEficiencia y Gasto al Cliente Эффективность и стоимость для клиента#N/A

Productivité et efficienceProductividad y eficiencia Эффективность и производительностьEficiência e Produtividade

Efficience: deux perspectivesEficiencia: Dos Perspectivas Эффективность: две точки зрения #N/A

Ratios de chargesRazones de Gastos #N/A #N/A

Ratio des produits financiers et utilisation des actifsRatio Ingreso Financiero y Productividad de Activos#N/A #N/A

Produits financiers et utilisation des actifsIngresos y Productividad de Activos #N/A #N/A

Financement et structure de l'actifFinanciamiento y Estructura del ActivoСтруктура финансов и активов #N/A

#N/A #N/A Названия графиков #N/A

Encours Brut de Prêts (IMF)Cartera Bruta (IMF) Совокупный портфель займов (МФО) #N/A

Encours brut de prêts (Groupe de pairs)Cartera Bruta (Grupo Par) Совокупный портфель займов (группа) #N/A

Encours de prêts sur actif total (IMF)Cartera Bruta/ Total del Activo (IMF)Совокупный портфель займов / общие активы (МФО)#N/A

Encours de prêts sur actif total (Groupe de pairs)Cartera Bruta/ Total del Activo (Grupo Par)Совокупный портфель займов / общие активы (группа)#N/A

Ratio de dot. aux prov pour prêts irrécouvrablesRazón de Provisión para IncobrablesКоэфф. расхода по созд. резерва на потери по займам .#N/A

Encours de prêts et produitsCartera de Préstamos e IngresosПортфель займов и поступления #N/A

Nombre d'emprunteurs actifs (IMF)Número de Prestatarios Activos (IMF)Число активных заемщиков (МФО) #N/A

Nombre d'emprunteurs actifs (Groupe de pairs)Número de Prestatarios Activos (Grupo Par)Число активных заемщиков (группа) #N/A

Nombre d'épargnants et montant d'épargneNúmero de Ahorristas y depósitos voluntarios#N/A #N/A

Ch. d'exploitation sur portefeuille (IMF)Gastos Operacionales/ Cartera Bruta (IMF)Операционные расходы / портфель займов (МФО)#N/A

Ch. d'exploitation sur portefeuille (Groupe de pairs)Gastos Operacionales/ Cartera Bruta (Grupo Par)Операционные расходы / портфель займов (группа)#N/A

Ch. d'exploit./ portefeuilleGastos Oper./ Cartera Операционные расходы / ПЗ #N/A

Portefeuille à risque > 30 et 90 joursCartera en Riesgo > 30 y 90 Días #N/A #N/A

Portefeuille à risque > 30 jours (IMF)Cartera en Riesgo > 30 Días (IMF)Риск портфеля свыше 30 дней (МФО) #N/A

Portefeuille à risque > 30 jours (Groupe de pairs)Cartera en Riesgo > 30 Días (Grupo Par)Риск портфеля свыше 30 дней (группа)#N/A

Portefeuille à risque et pertesCartera en Riesgo y Pérdidas #N/A #N/A

Portefeuille à risque et radiationsCartera en Riesgo y Castigos #N/A #N/A

Qualité du portefeuilleCalidad de Cartera Качество портфеля Qualidade da Carteira

Qualité du portefeuille et couverture du risqueCalidad de Cartera y Cobertura de Riesgo #N/A #N/A

Rendement et utilisation des actifsRendimiento sobre la cartera y utilización de activosДоходн. портфеля и использ. активов #N/A

Rendement de l'actif et auto-suffisanceRetorno Sobre Activos y Autosuficiencia Financiera#N/A #N/A

Rendements de l'actif et des fonds propresRetornos Sobre Activos y Sobre Patrimonio #N/A #N/A

Couverture du risqueCobertura de Riesgo #N/A #N/A

Taux de radiation de prêts (IMF)Razón de Préstamos Castigados (IMF)Коэффициент списания (МФО) #N/A

Taux de radiation de prêts (Groupe de pairs)Razón de Préstamos Castigados (Grupo Par)Коэфф. списания (группа) #N/A

Rendement du portefeuille brut (IMF)Rendimiento de la Cartera Bruta (IMF)Доходность совокупн. портфеля займов (МФО)#N/A

Rendement du portefeuille brut (Groupe de pairs)Rendimiento de la Cartera Bruta (Grupo Par)Доходность совокупн. портфеля займов (группа)#N/A

Résultats à moins de trois observations sont marqués "n/a""n/a" representa grupos con menos de tres observaciones"n/a" значит что однородная группа имеет меньше трѐх члена#N/A

(données 2006)(Datos de Referencia 2006) (2006 г.) #N/A

(Cliquer sur le lien ci-après)(Haga click sobre el siguiente enlace)(Нажмите на ссылку ниже) #N/A

* Le questionnaire MBB ou les états financiers audités sans autre document* El cuestionario del MBB o de resultados financieros auditados sin documentación adicional* Анкета MBB или финансовые отчеты, прошедшие аудиторскую проверку, но без дополнительной документации#N/A

** Le questionnaire MBB plus les états financiers audités, rapports annuels et autres évaluations indépendantes** El cuestionario del MBB más resultados financieros auditados, informes anuales y otras evaluaciones independientes** Анкета MBB плюс финансовые отчеты, прошедшие аудиторскую проверку, годовые отчеты и другие данные независимой оценки#N/A

*** L'information est appuyée par une analyse financière approfondie réalisée par une entité indépendante dans les trois dernières années*** La información es apoyada por un análisis financiero a fondo realizada por una entidad independiente en los últimos tres años*** Информация подкреплена подробным финансовым анализом, проведенном в течение последних трех лет независимой организацией.#N/A

**Données pour l'exercice clos le**Datos de la IMF al cierre del año Financiero, el** Данные по МФО приводятся на конец финансового года#N/A

*Les données non-ajustées sont tirées des états financiers non-ajustés. L'information non-ajustée des prêts et des emprunteurs ne prend pas en compte l'effet de radiation des prêts.*Los datos no ajustados son producidos de los estados financieros no ajustados. La información no ajustada de los préstamos y prestatarios excluye el efecto de castigos normalizados.*данные без учета поправок взяты из финансовых отчетов без поправок. Данные по займам и заемщикам без учета поправок не учитывают стандартные списания.#N/A

† Le MicroBanking Bulletin utilise le système de notation suivant pour classer l'information fournie par les IMF:† El MicroBanking Bulletin utiliza el sistema siguiente de clasificación para clasificar la información recibida de las IMF:† В «MicroБанкing Bulletin» используется следующая система классификации информации, полученной от МФО:#N/A

La page 12 offre une brève description des groupes de pairs et du niveau de qualité des informations attribué à chacun des participants. Vous trouverez plus d'informations dans le MicroBanking Bulletin.La pagina 12 ofrece una descripción breve de los Grupos Pares, sus miembros y el número y la clasificación de cada uno de los participantes. El MicroBanking Bulletin dispone información más detallada.Краткое описание однородных групп, их состава и количества МФО в каждой группе с указанием класса качества информации для каждой группы приводится на стр. 12. Подробная информация содержится в «MicroБанкing Bulletin».#N/A

A propos de Acerca de О нас #N/A

A propos du MIXAcerca del MIX Информация о MIX #N/A

ACRONYME SIGLAS СОКРАЩЕНИЕ #N/A

Ajusté Ajustado С учетом поправок #N/A

Etats financiers reclassifiés et ajustésEstados Financieros Reclasificados y AjustadosФинансовые отчеты с поправками и реклассификацией#N/A

Résumé des ajustements #N/A Общий обзор поправок #N/A

Analyser les performancesAnálisis del Desempeño #N/A #N/A

Au dos Contraportada Последняя страница обложки #N/A

Données de benchmarkDatos de Comparación (Benchmarks)Данные бенчмаркинга #N/A

Benchmarks par régionBenchmarks por Región Данные бенчмаркинга по регионам #N/A

Benchmarks Benchmarks Данные бенчмаркинга #N/A


Devise: Moneda: Валюта: #N/A

Qualité des donnéesCalidad de Datos КАЧЕСТВО ДАННЫХ #N/A

Indice de qualité de données:Grado de Calidad de Datos: Класс качества данных: #N/A

Définitions Definiciones Определения #N/A

Fax: +1 (202) 659 9095Fax: +1 (202) 659 9095 Факс: +1 (202) 659 9095 #N/A

Définitions des termes financiersDefiniciones de Términos FinancierosОпределения финансовых терминов #N/A

Pour des définitions des groupes de pairs, voir la partie "Classification des groupes de pairs" de ce fichierPara ver las definiciones de los grupos pares, véase la sección "Clasificación de Grupos Pares" en este archivoДля определения однородных групп, мы вас отсылаем к разделу «Классификация однородных групп» этой таблице#N/A

Pour plus d'informations sur les indicateurs, voir la partie "Définition des indicateurs" de ce fichierPara más información sobre los indicadores, véase la sección "Definiciones de los Indicadores" en este archivoДля подробной информации определения показателей, мы вас отсылаем к разделу «Определения показателей» этой таблице#N/A

Définitions des indicateursDefiniciones de Indicadores Определения показателей #N/A

Indicateurs Indicadores Показатели #N/A

Interpréter les indicateursInterpretando los Indicadores #N/A #N/A

Langue Idioma Язык Língua

Maximum Máximo Максимум #N/A

Médiane Mediana Медиан. #N/A

IMF IMF МФО #N/A

Le MicroBanking Bulletin et ses BenchmarksEl MicroBanking Bulletin y sus Benchmarks«MicroBanking Bulletin» и сравнительные показатели#N/A

MIX MicroBanking Bulletin: Benchmarks - données 2009MIX MicroBanking Bulletin: Benchmarks - datos 2009MIX MicroBanking Bulletin: Бенчмаркинг – 2009 год#N/A

Minimum Mínimo Минимум #N/A

MIX ne saurait être tenu responsable de la validité des informations fournies dans le présent rapport.MIX no se responsabiliza por la validez de la información presentada en este reporte.#N/A #N/A

NOM NOMBRE НАЗВАНИЕ Nome

Ni la rédaction ni le MIX ne sauraient être tenus responsables de la validité des informations fournies dans le présent rapport.Ni el personal de redacción, ni la asesoría, ni la comisión de estudios, ni el MIX se responsabilizan por la validez de la información presentada este reporte.Ни редколлегия, ни экспертная комиссия, ни MIX не несут ответственности за достоверность приведенной здесь информации.#N/A

Non No Нет. Não

Notes aux ajustements et qualité des donnéesNotas a los Ajustes y Calidad de Datos #N/A #N/A

Notes aux ajustements et qualité des donnéesNotas para los Ajustes y Calidad de DatosПримечания к поправкам и однородным группам организаций#N/A

Nombre Nombre Количество #N/A

Page Página стр. #N/A

Classification des groupes de pairsClasificaciones de Grupos ParesКлассификация групп однородных заемщиков#N/A

Critères des groupes de pairs et qualité de l'informationCriterio de Grupos Pares y Calidad de InformaciónКритерии однородной группы и качество информации#N/A

GP GP Группа #N/A

Ecart type Desviación Estándar Стандартн. отклонение #N/A

Résumé des ajustementsResumen de Ajustes Сводный обзор поправок #N/A

Table des matièresÍndice Содержание #N/A

Tableaux Tablas Таблицы #N/A

Tel: +1 (202) 659 9094Tel: +1 (202) 659 9094 Телефон: +1 (202) 659 9094 #N/A

#N/A Este documento fue hecho con la ayuda de: #N/A #N/A

Non-ajusté No Ajustado Счета без поправок #N/A

Dollars US US Dólar Доллар США Dólar Americano

Guide de RéférenceManual de Usuario #N/A #N/A

Valeurs Valores Значения #N/A

#N/A pagina de web: www.themix.orgИнтернет: www.themix.org #N/A

ANNÉE #N/A ГОД Ano

Année: Año: Год: #N/A

Oui Sí Да Sim

Ratio de ch. aministratives ajustéRazón de Gasto Administrativo, AjustadoКоэфф. адм. расх. с поправк. #N/A

Ratio de ch. financières ajustéRazón de Gasto Financiero, AjustadoКоэфф. финанс. расх. с поправк. #N/A

Ratio de dot. aux prov pour prêts irrécouv. ajustéRazón de Provisión para Incobrables, AjustadaКоэфф. расх. на резерв с поправками #N/A

Nombre d'emprunteurs ajustés et encours brut de prêtsNúmero de Prestatarios y Cartera Bruta Ajustada Кол-во заемщиков и совокупный портфель займов с поправками#N/A

Ratio de ch. de personnel ajustéRazón de Gasto de Personal, AjustadoКоэфф. расх. на оплату труда с поправк.#N/A

Rendement de l'actif (IMF par rapport à tous participants)Retorno Sobre Activos, Ajustado IMF v. Todos Participantes)Доходность активов с поправками (МФО – все участники)#N/A

Solde moyen des comptesSaldo Promedio de Cuentas #N/A #N/A

Composantes des charges (IMF vs. Pairs)Descomposición de Gastos (IMF vs. Pares)Распределение расходов (МФО – группа)#N/A

Capital/ Actif (IMF)Patrimonio/ Activos (IMF) Показатель капитал / активы (МФО) #N/A

Capital/ Actif (Groupe de pairs)Patrimonio/ Activos (Grupo Par)Показатель капитал / активы (группа) #N/A

Clients et servicesClientes y Servicios #N/A #N/A

Clients Servis Clientes Servidos Обслужили клиентов #N/A

Coût par emprunteur (USD)Gasto por Prestatario (USD) Стоим. на заемщ. - дол. США #N/A

Coût par emprunteur - USD (IMF)Gasto por Prestatario - USD (IMF)Стоим. на заемщ. - дол. США (МФО) #N/A

Coût par emprunteur - USD (Groupe de pairs)Gasto por Prestatario - USD (Grupo Par)Стоим. на заемщ. - дол. США (группа) #N/A

Couverture des chargesCobertura de Gastos #N/A #N/A

Décomposition du rendement de l'actifDescomposición de Retorno sobre ActivosДоходность активов по компонентам #N/A

Efficience et coût au clientEficiencia y Gasto al Cliente Эффективность и стоимость для клиента#N/A

Productivité et efficienceProductividad y eficiencia Эффективность и производительностьEficiência e Produtividade

Efficience: deux perspectivesEficiencia: Dos Perspectivas Эффективность: две точки зрения #N/A

Ratios de chargesRazones de Gastos #N/A #N/A

Structure financièreEstructura de Financiamiento #N/A #N/A

Ratio des produits financiers et utilisation des actifsRatio Ingreso Financiero y Productividad de Activos#N/A #N/A

Produits financiers et utilisation des actifsIngresos y Productividad de Activos #N/A #N/A

Financement et structure de l'actifFinanciamiento y Estructura del ActivoСтруктура финансов и активов #N/A

#N/A #N/A Названия графиков #N/A

Encours Brut de Prêts (IMF)Cartera Bruta (IMF) Совокупный портфель займов (МФО) #N/A

Encours brut de prêts (Groupe de pairs)Cartera Bruta (Grupo Par) Совокупный портфель займов (группа) #N/A

Encours de prêts sur actif total (IMF)Cartera Bruta/ Total del Activo (IMF)Совокупный портфель займов / общие активы (МФО)#N/A

Encours de prêts sur actif total (Groupe de pairs)Cartera Bruta/ Total del Activo (Grupo Par)Совокупный портфель займов / общие активы (группа)#N/A

Ratio de dot. aux prov pour prêts irrécouvrablesRazón de Provisión para IncobrablesКоэфф. расхода по созд. резерва на потери по займам .#N/A

Encours de prêts et produitsCartera de Préstamos e IngresosПортфель займов и поступления #N/A

50% du milieuMediana +/- 25% Средн. 50% #N/A

Nombre d'emprunteurs actifs (IMF)Número de Prestatarios Activos (IMF)Число активных заемщиков (МФО) #N/A

Nombre d'emprunteurs actifs (Groupe de pairs)Número de Prestatarios Activos (Grupo Par)Число активных заемщиков (группа) #N/A

Nombre d'épargnants et montant d'épargneNúmero de Ahorristas y depósitos voluntarios#N/A #N/A

Ch. d'exploitation sur portefeuille (IMF)Gastos Operacionales/ Cartera Bruta (IMF)Операционные расходы / портфель займов (МФО)#N/A

Ch. d'exploitation sur portefeuille (Groupe de pairs)Gastos Operacionales/ Cartera Bruta (Grupo Par)Операционные расходы / портфель займов (группа)#N/A

Ch. d'exploit./ portefeuilleGastos Oper./ Cartera Операционные расходы / ПЗ #N/A

Portefeuille à risque > 30 et 90 joursCartera en Riesgo > 30 y 90 Días #N/A #N/A









Rendements Retornos Поступления #N/A



Echelle et PortéeEscala y Alcance #N/A #N/A

Pérennité et RentabilitéAutosuficiencia y Rentabilidad #N/A #N/A





[Le nom des institutions est confidentiel][Los nombres de estas instituciones son confidenciales][Конфиденциальная информация] #N/A

Toutes les IMFTodas las IMFs Все МФО #N/A

QUALITÉ CALIDAD DATOS † КАЧЕСТВО ДАННЫХ † #N/A

Institutions ParticipantesInstituciones Participantes УЧАСТВУЮЩ. ОРГАНИЗАЦИИ #N/A


GROUPES DE PAIRS SIMPLESGRUPOS PARES SIMPLES ПРОСТЫЕ ОДНОРОДНЫЕ ГРУППЫ #N/A

Tendances clésPrincipales Tendencias de Desempeño #N/A #N/A

Analyse des tendances en performancesAnálisis Comparativo #N/A #N/A

Tendances des performancesTendencias de Desempeño #N/A #N/A

Tendances Tendencias #N/A #N/A

Utiliser le Rapport de Performance PersonnaliséUso del Reporte Institucional de Tendencias #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

Pour un aperçu des performances de cette année, cliquez sur l'onglet "Benchmark Highlights"Para un resumen de los principales resultados de este año, haga click sobre la pestaña "Benchmark Highlights".#N/A #N/A

Pour commencerEmpezando Начинать #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 #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 #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

#N/A #N/A #N/A #N/A

#N/A #N/A #N/A #N/A

#N/A #N/A #N/A #N/A









Rendements Retornos Поступления #N/A



Echelle et PortéeEscala y Alcance 0 #N/A

Pérennité et RentabilitéAutosuficiencia y Rentabilidad 0 #N/A





[Le nom des institutions est confidentiel][Los nombres de estas instituciones son confidenciales][Конфиденциальная информация] #N/A

Toutes les IMFTodas las IMFs Все МФО #N/A

QUALITÉ CALIDAD DATOS † КАЧЕСТВО ДАННЫХ † #N/A

Institutions ParticipantesInstituciones Participantes УЧАСТВУЮЩ. ОРГАНИЗАЦИИ #N/A


GROUPES DE PAIRS SIMPLESGRUPOS PARES SIMPLES ПРОСТЫЕ ОДНОРОДНЫЕ ГРУППЫ #N/A

Tendances clésPrincipales Tendencias de Desempeño #N/A #N/A

Analyse des tendances en performancesAnálisis Comparativo #N/A #N/A

Tendances des performancesTendencias de Desempeño #N/A #N/A

Tendances Tendencias #N/A #N/A

Utiliser le Rapport de Performance PersonnaliséUso del Reporte Institucional de Tendencias #N/A #N/A

Les activités financières d'une IMF génèrent diverses charges, y compris les charges d'exploitation, le coût des emprunts et le provisionnement pour pertes sur prêts. Les indicateurs de charges mesurent l'importance relative des différentes catégories de charges afin de déterminer leur impact sur la rentabilité et la pérennité.Las actividades financieras de una IMF generan una variedad de gastos, de financiamiento de su base de activos y gastos operacionales generales, de la provisión para pérdidas potenciales de castigos. Indicadores de gastos miden la importancia relativa de las categorías 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 interpréter les performances d'une IMF. Les indicateurs expriment soit des informations simples sur l'institution (tel que son âge) soit un rapport entre deux données (tel que le nombre d'emprunteurs et le nombre d'employés qui gèrent 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'évolution et les changements des performances de cette institution dans le temps. Si ces standards sont appliqués à 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 desempeño de una IMF. Los Indicadores muestran información sencilla de una institución (como su edad) o la relación entre dos o más informaciones (como los prestatarios y número de personal que atienden esos prestatarios) para revelar un aspecto de desempeño de dicha institución. Con el uso de indicadores estándares dentro de una institución, un analista puede monitorear con más exactitud el crecimiento y los cambios en el desempeño de una institución sobre tiempo. La extensión de estos estándares a todas las instituciones le permite al analista monitorear y comparar el desempeño entre instituciones a través del tiempo.#N/A

A mesure que les IMF étendent leur portée et grandissent, elles atteignent plus de clients avec plus de produits. Les indicateurs d'échelle mesurent la taille des services offerts aux clients, que ce soit en matière de crédit ou d'épargne. Les indicateurs de portée décrivent le nombre et le type de clients atteints. Les analystes en microfinance continuent d'examiner les indicateurs qui reflètent correctement le niveau de pauvreté des clients d'institutions de microfinance.Mientras IMFs crecen en escala y alcance, alcanzan a más clientes con más productos. Indicadores de escala miden el tamaño de servicios a clientes de microfinanzas, tales préstamos como depósitos. Indicadores de alcance reportan en el número y tipo de clientes atendidos. Analistas de la industria todavía están trabajando en indicadores que reflejan los niveles de pobreza de clientes atendidos por servicios de microfinanzas.#N/A

Les institutions efficientes minimisent leurs coûts de prestation de services. Elles s'efforcent à réduire ces coûts à travers les économies d'échelle ou l'emploi de technologies efficaces. Les indicateurs d'efficience mesurent le niveau des charges générées pour la prestation de services financiers tels que les prêts.Instituciones eficientes generan costos mínimos en ofrecer sus servicios. Deben intentar reducir tales costos por escala o por el uso de tecnologías efectivas. Indicadores de eficiencia miden el nivel de gastos incurridos para proveer servicios financieros como préstamos.#N/A

Pour un aperçu des performances de cette année, cliquez sur l'onglet "Benchmark Highlights"Para un resumen de los principales resultados de este año, haga click sobre la pestaña "Benchmark Highlights".#N/A

Pour commencerEmpezando Начинать #N/A

Les bénéfices de la plupart des IMF ont également été ajustés pour refléter les bénéfices réels en l’absence de subventions. Les ajustements pour subventions aux coûts de financement sont les plus fréquents pour les IMF participantes. Un coût supplémentaire a été rajouté pour tout endettement pour lequel le taux d’intérêts est nettement inférieur au taux commercial. Ceci permet de comparer des institutions bénéficiant de taux de subventions très variables comme si elles n’étaient pas subventionnées. La détermination du « taux de marché » est délicate. Néanmoins, pour comparer, il est important de s'assurer que la méthode choisie soit appliquée uniformément à toutes les institutions. Nous avons retenu le taux de comptes de dépôts comme coût théorique du marché. Les subventions ont été classées à part et les bénéfices ne sont calculés que sur la base des revenus et frais d’exploitation. Enfin, les charges tels que le salaire du directeur, remises de loyer ou toute autres charges d’exploitation réglées par une aLos beneficios de la mayoría 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 más común de los participantes en esta ronda. Un costo adicional es añadido por cualquier pasivo que sea significativamente más bajo que el precio comercial, para poder comparar las instituciones a niveles diversos de subvención como si no fuesen subvencionados. La determinación del precio comercial es una tarea difícil. Sin embargo, por razones de comparación, el objetivo más importante es el de asegurarse que el método escogido es aplicado de una manera uniforme a todas las instituciones. Hemos decidido utilizar el interés de depósito presentado por FMI como el precio de las tasas comerciales. También excluimos donaciones y las rentas se calculan solamente a base de ingresos y gastos operacionales. Por último, gastos como el salario del director, alquiler gratuito, u otros gastos operacionales pagados por otra eПоправки также были внесены в отчеты большинства МФО о доходах, чтобы отразить реальную прибыль без учета субсидий. Поправка на субсидии с соответствующим изменением стоимости денежных средств была самой распространенной поправкой, внесенной в результаты МФО, участвующих в этом раунде. Мы добавляем дополнительный расход для всех обязательств, процентная ставка по которым значительно ниже «рыночной», чтобы обеспечить сравнимость организаций с разным уровнем субсидий - результаты представлены так, как если бы организации не получали субсидий. Определение «рыночной» ставки представляет значительные трудности. Тем не менее, для целей сравнения самое важное – обеспечить единообразное применение установленного нами правила к результатам всех без исключения организаций. Мы решили использовать в качестве условной величины рыночной процентной ставки сообщаемую микрофинансовыми организациями ставку по вкладам. Пожертвования также не учитываются, и прибыль рассчитывается лишь на основе операционного дохода и расх#N/A

Pour finir, nous standardisons le provisionnement et la radiation pour prêts irrécouvrables. Les dotations aux provisions atteignent 50 % du montant des créances échues de plus de 90 jours et moins de 180 jours ou renégociées, et 100 % du montant échu de plus de 180 jours. Les créances échues de plus de 360 jours sont radiées.Por ultimo, normalizamos las normas de provisión para incobrables y castigos. Suministramos el 50% de deudas pendientes que hayan sobrepasado 90 días pero menos de 180 días, y el 100% por las deudas pendientes de más de 180 días. Deudas pendientes de más de 365 días son castigados por completo.Мы также применяем стандартную величину резервов на потери и списаний. Мы предусматриваем 50-ный резерв от суммы непогашенного остатка займов с просрочкой более 90 и менее 180 дней либо реструктурированных и 100-процентный резерв от суммы непогашенных займов с просрочкой более 180 дней. Займы с просрочкой более 365 дней полностью списываются.#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 créeront de nouvelles sources de revenus. Les indicateurs de produits présentent les revenus financiers par rapport à l'encours de prêts, ainsi que sur la base de l'actif total, pour permettre une analyse de l'impact des revenus sur la rentabilité et la pérennité.IMFs ganan la mayoría de sus ingresos de su cartera bruta de préstamos. Mientras IMFs diversifican sus servicios, cobros de transferencias, pagos y servicios de seguros proveerán 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 activités grâce à des fonds issus de diverses sources. Les mesures de structure financière décrivent ces diverses sources de fonds, qu'elles proviennent de dettes ou de capitaux propres, et les comparent aux actifs de l'institution. Ces indicateurs décrivent également son effet de levier.IMFs financian sus actividades con una variedad de fuentes de financiamiento. Medidas de estructura financiera describen éstas fuentes de capital tales pasivos como patrimonio, y los comparan a los recursos adquiridos con ese financiamiento. También indican cuanto una institución ha apalancado su capital.#N/A

Les IMF qui transmettent leurs données au MicroBanking Bulletin reçoivent un rapport de performances personnalisé gratuit. Le MicroBanking Bulletin (MBB) est un des produits principaux du MIX. Le MBB vise à améliorer la performance financière des institutions de microfinance (IMF) par la publication et la dissémination des résultats financiers de l’industrie. Les résultats financiers des IMF de partout dans le monde sont rassemblés, ajustés selon des normes communes et comparés. Le MicroBanking Bulletin est publié deux fois par an et fournit les résultats 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 Desempeño” de forma gratuita. El MicroBanking Bulletin (MBB) es uno de los productos más importantes del MIX. El MBB pretende mejorar el desempeño financiero de instituciones de microfinanzas (IMF) a través de la publicación y difusión de los resultados financieros de la industria. Los resultados financieros de las IMF alrededor del mundo son agregados, ajustados según las normas comunes y comparados. El MBB es publicado dos veces al año y difunde los resultados de este análisis comparativo. Las instituciones participantes proveen sus datos financieros voluntariamente y todos los datos son estrictamente confidenciales.МФО, которые предоставляют свои данные в "MicroBanking Bulletin", бесплатно получают Персонифицированный отчет о результатах деятельности. «MicroBanking Bulletin» (MBB) – один из главных продуктов, выпускаемых MIX. MBB призван улучшить финансовые показатели микрофинансовых организаций (МФО) путем публикации и распространения финансовых результатов по всей отрасли. Мы собираем информацию о финансовых показателях МФО всего мира, приводим к единой форме и сравниваем. MBB публикуется дважды в год, распространяя результаты этого сравнительного анализа. Участвующие организации представляют данные о своей деятельности на добровольной основе, и все эти данные являются строго конфиденциальными.#N/A

Les IMF, comme toutes institutions financières, font face à de nombreux risques. Un premier risque est celui de défaut ou la probabilité qu'un emprunteur ne rembourse pas son emprunt. Le portefeuille de prêts étant l'actif le plus important d'une IMF, ce risque concerne directement les produits et génère des charges supplémentaires dues aux pertes. La qualité du portefeuille détermine la capacité d'une institution à étendre sa portée et assurer la prestation de services à sa clientèle. Les IMF dépendant de financements à court terme ou mobilisant des dépôts du public sont également confrontées aux risques de liquidité, lorsque les actifs et dettes à court terme ne sont pas alignés, empêchant ainsi l'institution de répondre aux besoins de ses obligations courantes.IMFs, como todas las instituciones financieras, enfrentan un número de riesgos en su negocio. El primero de estos riesgos incluye riesgo crediticio, la posibilidad que un prestatario no pagase un préstamo. Como la cartera bruta es el activo más importante de una IMF, tales riesgos impactan directamente sus ingresos y generan costos adicionales debido a pérdidas. La Calidad de la Cartera determinará la habilidad de una institución en incrementar su alcance y continuar atendiendo a sus clientes existentes. IMFs con una alta cantidad de pasivos a corto plazo o depósitos del público también 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 établit des comparaisons entre des groupes d’institutions semblables, définis par des critères tels que la taille des programmes, le niveau de pauvreté de la population concernée et la zone géographique. Les résultats financiers sont ajustés afin que la comparaison prenne en compte les effets de l’inflation, les niveaux de subventions et les différences de provisionnement pour prêts irrécouvrables. Ce rapport offre donc une image exacte de vos résultats financiers ainsi qu'une comparaison avec les résultats de vos pairs.El análisis de MIX se basa en una comparación entre Grupos Pares similares, clasificados por criterios como el tamaño, el nivel de la pobreza del grupo objetivo, la región y el nivel de intermediación financiera. Los resultados financieros son ajustados para asegurar la comparación, tomando en cuenta el efecto de la inflación, los subsidios y las diferencias en las provisiones para incobrables. Este reporte ofrece una imagen precisa de sus resultados financieros en comparación a otras instituciones similares.Анализ MIX основан на сравнении групп сходных между собой организаций, которые классифицируются на основе таких критериев, как размеры программ, уровень бедности целевой группы, регион и финансовое посредничество. Получаемые данные о финансовых результатах корректируются с помощью поправок для обеспечения сравнимости с учетом инфляции, уровня субсидий и различий в формировании резерва на потери по займам. В настоящем отчете приводится достоверная картина ваших финансовых результатов, а также сравнение с результатами других организаций, подобных вашей.#N/A

Un indicateur seul ne peut résumer tous les aspects des performances d'une institution. C'est pour cela que les indicateurs doivent être analysés ensemble dans l'analyse des performances. Les indicateurs dans ce rapport évoquent les différents aspects des performances. Tout indicateur est ajusté pour prendre en compte les ajustements analytiques standards décrits ci-après.Ningún único indicador resumirá todos los aspectos del desempeño de una institución. De esta forma, los indicadores deben ser usados en conjunto para el análisis de desempeño. Los indicadores en este informe tratan de aspectos diferentes de ese desempeño. Sin una nota, todos los indicadores se asumen que están ajustados de acuerdo a los ajustes analíticos 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 changeOtros ingresos por la provisión de servicios financieros, incluso ingresos de seguros, giros e ingresos no financieros de la provisión de servicios financieros, como la venta de libretas bancarias y SmartCards. Incluso ganancias netas por fluctuaciones de cambio.Иные доходы от оказания финансовых услуг, включая доход от услуг страхования или перечисления денежных средств или нефинансовый доход от оказания финансовых услуг, например, продажа сберкнижек или смарт-карт. В этот счет также включается чистый доход от обменного курса.#N/A

Les groupes de pairs créent le contexte permettant l'analyse comparative. Les pages suivantes expliquent les différentes catégories utilisées 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 présentant les mêmes caractéristiques.Los Grupos Pares ponen el contexto para el análisis comparativo. Las páginas siguientes explican las diferentes categorías usadas para agrupar instituciones similares. Al mirar una organización en comparación a sus pares, un analista puede ver el desempeño de una institución relativo a una institución típica con características similares.#N/A

Les institutions productives maximisent leurs services avec un minimum de ressources. Les indicateurs de productivité mesurent l'efficacité d'une IMF à utiliser ses ressources humaines pour servir ses clients. Ces indicateurs dépendent des technologies employées par l'institution ainsi que le type et la gamme des services offerts.Instituciones productivas maximizan sus servicios con el uso mínimo de recursos. Indicadores de productividad presentan medidas de cómo efectivamente los recursos humanos están apalancados para atender a clientes de IMFs. Tales indicadores dependen en la tecnología de una institución y el tipo y variedad de servicios ofrecidos.#N/A

Les institutions rentables et pérennes obtiennent un résultat net positif sur leurs opérations. En microfinance, cela signifie que l'institution génère un résultat positif net sans dépendre de subventions de bailleurs. Pour prendre en compte l'échelle de l'institution, ces résultats sont comparés à l'actif et aux fonds propres de l'IMF. La pérennité 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 están comparados a los activos y patrimonio de una institución. Autosuficiencia mide el grado en que retornos cubren gastos totales.#N/A

Le Bulletin classifie l'information des institutions participantes selon le degré de vérification indépendante. Ce système d’évaluation attribue la mention *** aux informations obtenues d'un rapport d’un organisme tiers fiable, tel qu'une évaluation CAMEL ou CGAP, ou un rating d'une agence renomée. Les informations contenues dans des états financiers, rapports annuels ou évaluations de programmes ayant fait l’objet d’une vérification par des auditeurs indépendants ont reçu la mention **. Lorsqu’un programme n’a fait que renvoyer notre questionnaire, les informations ont reçu la mention *. Ces notations indiquent le niveau de confiance en la fiabilité des informations; elles ne constituent pas une évaluation de la performance financière des institutions.El Boletín clasifica la información de IMF participantes con acuerdo al nivel verificado independientemente por su fiabilidad. La información con *** ha sido generado a través de un análisis financiero detallado por una entidad independiente, como por ejemplo, una evaluación de CAMEL, una valoración de CGAP, o una calificación por una agencia fiable. La información con ** es apoyada por documentos acompañantes, como los estados financieros auditados, reportes anuales o evaluación de programas independientes que proporcionan un nivel de fiabilidad razonable de nuestros ajustes. La información con * es derivada de IMF que se han limitado en completar nuestro cuestionario. Estas clasificaciones representan niveles de fiabilidad de la información; no están previstas para una clasificación de desempeño financiero de las IMFs.В «Бюллетене» данные, полученные от организаций, классифицируются в зависимости от наличия независимой проверки достоверности этих данных. Информация помеченная *** получена путем детального финансового анализа независимой третьей стороной - например, рейтинг CAMEL, оценка CGAP или рейтинговая оценка, проведенная каким-либо признанным рейтинговым агентством. Информация с пометкой ** подтверждена документацией - прошедшими аудит финансовыми отчетами, годовыми отчетами, отчетами независимой оценки программ, которые позволяют в разумной степени быть уверенными в точности наших поправок. Информация с пометкой * получена от МФО, которые только заполнили нашу анкету. Эти пометки отражают лишь степень нашей уверенности в достоверности приведенной информации и не имеют отношения к оценке финансовых показателей МФО.#N/A

L'information utilisée dans les moyennes des groupes de pairs n’a pas été vérifiée de manière indépendante. Elle est fournie volontairement par les institutions. Nous représentons la fiabilité des données fournies par chaque institution par l'indice de qualité des données .La información incluida en el promedio de grupos pares no es comprobada independientemente. Está presentada voluntariamente por instituciones como la suya. Representamos nuestro nivel de apoyo en los datos proporcionados por cada grupo de pares con una clasificación de calidad.Данные о средних значениях по однородной группе не подвергались независимой проверке. Эти данные добровольно предоставлены организациями, подобными вашей. «Класс качества данных» отражает степень нашей уверенности в точности полученных нами данных по каждой однородной группе.#N/A

Le MicroBanking Bulletin (MBB) est une des publications principales du MIX. Le MBB vise à améliorer la performance financière des institutions de microfinance (IMF) par la publication et la dissémination des résultats financiers de l’industrie. Les résultats financiers et opérationnels des IMF partout dans le monde sont rassemblés, ajustés selon des normes de l'industre et comparés. Le MicroBanking Bulletin est publié deux fois par an et fournit les résultats de cette analyse comparative. Les institutions participantes soumettent leurs informations volontairement et reçoivent en contrepartie un rapport personnalisé qui compare leurs résultats à ceux de leur groupe de pairs. Le MIX maintient les informations en stricte confidentialité.El MicroBanking Bulletin (MBB) es una de las publicaciones principales del MIX. El MBB pretende mejorar el desempeño financiero de instituciones de microfinanzas (IMF) a través de la publicación y diseminación de los resultados financieros y operacionales de la industria. Los resultados financieros de los IMF alrededor del mundo son agregados, ajustados según las normas comunes y comparados. El MBB es publicado dos veces al año y disemina los resultados de este análisis 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) – один из главных продуктов, выпускаемых MIX. MBB призван улучшить финансовые показатели микрофинансовых организаций (МФО) путем публикации и распространения финансовых и операционных результатов по всей отрасли. Мы собираем информацию о финансовых показателях МФО всего мира, приводим к единой форме и сравниваем. MBB публикуется дважды в год, распространяя результаты этого сравнительного анализа. Участвующие организации представляют данные о своей деятельности на добровольной основе и, , получают персонифицированные отчеты о результатах деятельности, который сравнивает свои показатели с результатами других организаций, подобных вашей. Все эти данные являются строго конфиденциальными.#N/A

Le Microfinance Information Exchange, Inc. (MIX) est une organisation à but non lucratif dont la mission est d’améliorer les infrastructures d’information sur l’industrie de la microfinance à travers le monde, en soutenant les standards de reporting financier et opérationnel, en fournissant des données sur le secteur et en offrant des services d’information spécialisés. Pour plus d’informations, voir www.themix.orgMicrofinance Information Exchange, Inc. (MIX) es una institución sin fines de lucro dedicada a mejorar la infraestructura de información para la industria de microfinanzas de los países en desarrollo, promoviendo la estandarización de reportes financieros y operacionales, ofreciendo y proveyendo servicios especializados de información. Para mayor información favor de visitar www.themix.orgThe Microfinance Information Exchange, Inc. - некоммерческая компания, целью которой является совершенствование информационной инфраструктуры микрофинансового сектора развивающихся стран путем продвижения стандартов финансовой и операционной отчетности, распространения широкодоступной информации и оказания специализированных информационных услуг. Дополнительную информацию см. на сайте www.themix.org.#N/A

Le présent Rapport de Performance Personnalisé a été préparé 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, standardisée en accord avec les ajustements et les indicateurs reconnus au niveau international. De plus, la performance de votre institution est comparée à celles d’autres institutions similaires. Le benchmarking de performance est un exercice de comparaison qui standardise les données et groupe les institutions permettant une analyse comparative pertinente. Les reclassifications de comptes, les ajustements analytiques et les ratios standardisés qu'utilise le MIX permettent une meilleure comparaison entre les données institutionelles. Les groupes de pairs utilisés assurent le contexte dans lequel les institutions sont comparées. Les dirigeants et le conseil d'administration trouveront ce rapport de benchmarking utile > pEl MIX ha preparado este Informe de Desempeño Personalizado basado en la información proporcionada por su institución y otras IMFs participantes. Este informe proporciona a los gerentes y directores la herramienta que asistirá a comprender el desempeño de sus instituciones, normalizado con acuerdo a los términos, ajustes e indicadores aceptados internacionalmente, y comparado con los puntos de referencia (benchmarks) recopilados con resultados de otras instituciones similares. La comparación de desempeño y benchmarking es un ejercicio que normaliza los datos y agrupa a las IMFs para proveer un análisis de comparación significativa. Las reclasificaciones de cuentas, ajustes analíticos y la normalización de razones que MIX emplea aumenta la comparación 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 considerarán este reporte y el benchmarking útil para: > La ubicación del dMIX подготовил этот Персонифицированный отчет о результатах деятельности на основе информации, предоставленной вашей организацией и другими участвующими МФО. Данный отчет может быть использован менеджерами и руководством организации как инструмент, помогающий лучше понять результаты деятельности в рамках стандартных показателей, соответствующих международной терминологии, с поправками и показателями в сравнении с результатами других организаций, подобных вашей. Бенчмаркинг – это процесс, в ходе которого первичные данные стандартизируются, а организации группируются для целей сравнительного анализа. Реклассификация счетов, аналитические поправки и стандартизированные индикаторы, применяемые MIX, повышают сравнимость данных различных организаций. Для лучшего понимания контекста деятельности формируются группы однородных организаций. Менеджерам и членам правления организации отчет и данные бенчмаркинга позволят: >Определить место своей организации в сравнении с показателями аналогичных организаций;.#N/A

Ce rapport vous guidera à travers l'analyse de benchmarking de votre institution. Chaque section révèle les données et processus fondamentaux utilisés dans l'analyse. Par exemple, l'analyse comparative souligne les points principaux synthetisés à travers l'analyse écrite, les diagrammes et les tableaux. Pour comprendre les données définissant les indicateurs, examinez les états financiers ajustés et le résumé des ajustements qui expliquent l'impact des ajustements pour la provision pour prêts irrécouvrables, pour le coût des financements subventionnés et pour l'inflation, sur la position financière de votre institution. Les notes sur les indicateurs, les termes financiers et les politiques d'ajustements établissent le contexte des processus et des systèmes utilisés pour cette analyse. Enfin, pour les utilisateurs avancés, le MIX fournit les indicateurs de performance comparative pour tous les groupes de pairs publiés par le MicroBanking Bulletin, vous permettant de personnaliser et approfondir votre propre anEste informe le guiará a través de un análisis comparativo de su institución. Cada sección subsiguiente revela más datos esenciales y procesos involucrados en el análisis. Continué leyendo para aprender más. El análisis comparativo, por ejemplo, destaca el desempeño de su institución, sintetizado a través de un análisis por escrito con gráficos y tablas. Para entender los datos que apoyan los indicadores, explore el estado de resultados ajustados, las aportaciones del resumen analítico de desempeño, y el resumen de ajustes que explican el impacto analítico por ajustes de provisión para incobrables, subvención e inflación que afectan la posición de su IMF. Las notas de los indicadores, términos financieros y normas de ajuste proporcionan los materiales que apoyan el proceso y el sistema utilizados en este análisis. Por último, para los usuarios más avanzados, el MIX proporciona indicadores de desempeño comparativo para todos los Grupos Pares publicados por el MicroBanking Bulletin, con lo cual le permite persoИнформация на следующих страницах поможет вам провести бенчмаркинг своей организации по методу MIX. В каждом последующем разделе раскрываются все более подробные данные и процессы анализа. Для получения дополнительной информации продолжайте читать. Например, сравнительный анализ указывает на наиболее важные моменты деятельности вашей организации с помощью синтезированного текстового анализа, графиков и таблиц. Чтобы лучше понять данные показателей, изучите финансовые отчеты с учетом поправок, первичные данные в сводном анализе деятельности и обзор поправок, в котором объясняется, как применение аналитических поправок для минимального резерва на потери по займам, для субсидий и инфляции, влияют на финансовые показатели вашей МФО. Примечания по показателям, финансовым терминам и правилам применения поправок дают дополнительную информацию о процессе и системах, использованных при анализе. И наконец, заинтересованным пользователям MIX предоставляет информацию о сравнительных показателях деятельности по вс#N/A

Ce tableur contient les données de benchmark sur les performances d'institutions de microfinance dans le monde. Ces benchmarks sont les résultats de groupes d'institutions -- groupes de pairs -- qui partagent certaines caractéristiques telles que la région ou la taille des opérations. Cliquez sur les liens ci-dessous pour consulter les performances des groupes de pairs dans un domaine particulier: portée, structure financière, rentabilité, productivité et risques.Esta hoja de cálculo contiene los indicadores de referencia sobre el desempeño de las instituciones de microfinanzas alrededor del mundo. Estos indicadores han sido calculados para grupos de instituciones que comparten características comunes, como región o tamaño. Haga click en cualquiera de los enlaces de abajo para explorar los indicadores de estos grupos en diferentes áreas: alcance, estructura financiera, rentabilidad, productividad o riesgo.В этой электронной таблице представляется сравнительные данные о результатах деятельности микрофинансовых институции всего мира. Это сравнительный анализ основан на сравнении групп сходных между собой организаций, которые классифицируются на основе таких критериев, как регион или масштаб. Нажмите на любую ссылку ниже чтобы исследовать результаты деятельности этих однородных групп в данной области: охват, структура финансирования, прибыльность, производительность и риск.#N/A

Les coûts de financements du compte de résultat ont été ajustés pour toutes les IMF afin de prendre en compte les effets à long terme de l’inflation sur les fonds propres. Cet ajustement se présente sous forme d’un compte de charges net figurant sur le compte de résultat et diminuant le résultat constaté. Sa contrepartie est un compte de capital révélant la répartition entre les résultats réels et l’augmentation du capital dû à l’inflation. Les résultats financiers de toutes les IMF comprennent cet ajustement, excepté ceux utilisant une méthode de comptabilité tenant compte de l’inflation.El coste de fondos del estado de resultados de todas las IMFs ha sido ajustado para reflejar el efecto de inflación 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 distribución entre utilidad real neta y el efecto de la inflación en el patrimonio. Los resultados financieros de todas las IMFs incluyen este ajuste, excepto aquellas que utilizan métodos de contabilidad ajustados por inflación que son generalmente aceptados.Мы внесли поправки в значение стоимости денежных средств, приведенное в отчетах всех МФО, с учетом влияния инфляции на капитал организации с течением времени. Эта поправка внесена в форме счета чистых расходов в отчет о доходах и снижает заявленную сумму чистого дохода. Она регулируется счетом капитала, который показывает распределение между реальным чистым доходом и воздействием инфляции на капитал. Эта поправка внесена в финансовые результаты всех МФО, кроме тех, которые пользуются общепризнанным методом бухучета с поправками на инфляцию.#N/A

2009 mfi benchmarks

Documents