Performance Report


  

 Balance Sheet (in US$)  31-Oct-2018   31-Dec-2017   31-Dec-2016   31-Dec-2015
 Gross Loan Outstanding   210,929,093  190,672,501   142,322,425   128,574,587​​  
 Total Assets 259,527,877   221,022,862   175,367,440  149,127,517 
 Total Liabilities 226,212,744    190,857,279 148,566,790  123,783,944 
 Total Equity 33,315,133     30,165,583   26,800,650  25,343,572 
 Profit & Loss Statement(in US$)   31-Oct-2018 31-Dec-2017   31-Dec-2016   31-Dec-2015
 Total Financial Income  33,008,870  34,902,356    34,927,765  30,745,213 
 Gain / (Loss) on Foreingn Exchange 44,832   79,867    
 Total Financial Cost 12,265,416    12,360,633  10,795,695  8,878,363 
 Gross Financial Margin  20,788,285 ​   22,621,590 24,132,070  21,866,851 
Provision for Loan Loss    1,747,489    1,046,487  1,382,678  622,423 
 Net Financial Margin​   19,040,796​ ​​  21,575,102 22,749,392  21,244,427 
 Total Operating Expense 15,183,219     16,895,596   19,614,762  17,757,987 
 Net Operating(Lost)/ Income before Tax  3,857,577 ​  4,679,506   3,134,630  3,486,441 
 Income Tax Expense 825,118    918,696   838,683  783,994 
 Net Operating(Lost) / Income after Tax  3,032,459​ ​ ​ 3,760,810   2,295,947  2,702,447 
 Grant Income  117,091   302,016   260,135  237,263 
 Net(Lost)/ Income  3,149,550​​    4,062,826   2,556,082  2,939,710 
 Portfolio Report   31-Oct-2018   31-Dec-2017   31-Dec-2016   31-Dec-2015
 PAR 0+ 2.23%  1.89%  2.21%   1.03% 
 PAR 30+ 1.21% 

1.06% 

1.12%  0.61% 
 WRITE-OFF 0.13%  0.37%  0.42%   0.13% 
 Efficiency Ratios   31-Oct-2018   31-Dec-2017   31-Dec-2016   31-Dec-2015
 Number of Loans per Credit Officer 102  126  136  156 
 Loans Portfolio per Credit Officer  345,785  312,578  239,134  228,374 
 Yield on Portfolio 16.24%  20.55%  21.40%  23.78% 
 Operating Expense Ratio 7.56% 10.15%  11.37%  12.65% 
 Profitability Ratios   31-Oct-2018   31-Dec-2017   31-Dec-2016   31-Dec-2015
 ROA 1.31%  2.05%  1.58%  2.17% 
 ROE 9.92%  15.15%  11.08%  14.54% 
 ROCE 15.84%  17.44%  15.72%  16.00% 
 OSS 113%  115%  111%  115% 
 Indicators   31-Oct-2018   31-Dec-2017   31-Dec-2016   31-Dec-2015
 N. Of Borrowing Accounts 78,667 83,405  83,555   
 % Of Woman Borrowers 88%  88% 88%   
 N. Of Saving Accounts  67,302 63,419 60,186   
 % Of Woman Savers 73%  73%  72%   
 Values Of Saving Collected    125,879,748  97,024,954  68,799,547