ASA Profile
|
Institutional Profile as of December 2009 |
|
| Founded | 1978 |
| Legal status |
NGO MFI licensed with Microfinance Regulatory Authority of the Central Bank of
Bangladesh MRA Reg. No. : 00470-00538-00100; Registered in NGO Affairs Bureau (Reg. No. : 120) Registered in Joint Stock Company (Reg. No. : S-660/36) |
| Organization | |
|
Number of Branches: |
3,236 |
|
Number of Villages/wards: |
70,480 |
|
Number of Active Client: |
5,498,292 |
|
Number of Household: |
4,782,722 |
|
Number of Borrowers: |
4,000,401 |
|
Average Loan Size: |
US$178 |
|
Average Loan Size on Per Capita GDP(%): |
30% |
|
Percentage of Female Client: |
88% |
|
Total Staff Members: |
24,021 |
|
Total Loan Officers: |
13,266 |
| Area of operations |
% Urban: |
15% |
|
% Rural: |
85% |
|
Financial Profile (Amount in US$) |
||||
| 1992 | 2000 | 2005 | 2009 | |
|
Portfolio size (USD) |
$2,996,761 |
$79,213,963 |
$265,000,414 |
$457,604,091 |
|
Savings Balance (USD) |
$753,451 |
$31,975,066 |
$48,093,105 |
$118,991,965 |
|
Cost per Unit Money Lent |
0.166 |
0.043 |
0.033 |
0.068 |
|
Portfolio per Loan Officer (in million) |
0.13 |
1.14 |
1.78 |
2.36 |
|
Portfolio at Risk |
0 |
0.88 |
1.22 |
4.67 |
|
Average Portfolio Yield |
0.00% |
25.95% |
28.87% |
22.72% |
|
Effective Yield on Average Asset |
11.94% |
24.65% |
24.53% |
19.66% |
|
Operating Cost Ratio |
21.89% |
7.70% |
6.54% |
11.56% |
|
Financial Self Sufficiency (FSS) |
47.03% |
124.90% |
169.73% |
112.49% |
|
Operating Self Sufficiency (OSS) |
53.17% |
136.60% |
275.24% |
143.38% |
|
Return on Assets (ROA) |
-11.44% |
8.97% |
10.71% |
2.24% |
|
Return on Equity (ROE) |
-14.00% |
22.88% |
19.66% |
4.11% |
|
Product Offering (as of December, 2009) |
|||
|
Type |
Size Range |
% of Portfolio |
% of Client |
|
Small Loan (female) |
$147 - $294 |
67% |
87.83% |
|
Small Business |
$735 - $2,941 |
16% |
7.78% |
|
Others |
- - |
1% |
2.08% |
|
Small entrepreneur |
$8,824 |
14% |
2% |
|
Agri-business & Short term |
$515 - $5,147 |
2% |
0.31% |
|
Savings |
Weekly $ 0.15 |
26% |
- - |
|
Security fund (Life Insurance) |
Weekly $ 0.15 |
11.49% |
- - |