Portfolio Graph

2005 Q3 - 2009 Q2

Financial Graph

2005 Q3 - 2008 Q2

 

Performance Report Summary

• Financial Statement
• Period: Apr - June 2008
• Rate: 1 USD = IDR 9,225

Lending Activity :
Number of Active Clients	26,635
Outstanding Portfolio (US$)	1,094,969
Average Loan Size (US$)	148
Average First Loan Size (US$)	110
Loans Made to Women ( % )	89.16
Loan Portfolio Quality ( % ) :
Portfolio in Arrears
> 1 day	16.43
> 30 days	15.17
Portfolio at Risk
> 1 day	22.53
> 30 days	16.25
Loan Loss Provision Ratio	3.30
Loan Loss Reserve Ratio	14.04
Expense & Productivity Ratio :
Financial Expense Ratio ( % )	-
Provision Expense Ratio (%)	3.30
Operating Expense Ratio(%)	58.53
Cost Per Loan Made(US$)	21
Cost Per Dollar Lent (US$)	0.14
Client per Loan Officer	317
Portfolio per Loan Officer (US$)	14,047
Clients per Staff	160
Portfolio per Staff	7,108
Sustainability (%) :
Return on Assets	7.46
Return on Equity	8.69
Return on Portfolio	10.92
Operational Sustainability	117.67
Financial Sustainability	101.61
Lending Activity by Methodology :
Number of Loans Made
Individual	152
Trust Bank	13,660
Other	1,137
Total	14,949
Value of Loans Made (US$)
Individual	178,130
Trust Bank	1,614,304
Other	418,943
Total	2,211,377
Average Loan Size (US$)
Individual	1,172
Trust Bank	118
Other	368
Total	148
Loans Made to Women ( % )
Individual	65.79
Trust Bank	89.60
Other	86.98
Total	89.16
Loan Portfolio Quality by Methodology :
Total Loan Portfolio Outstanding (US$)
Individual	181,336
Trust Bank	794,554
Other	119,049
Total	1,094,969
Total Number of Outstanding Clients
Individual	342
Trust Bank	24,625
Other	1,668
Total	26,635
Portfolio in Arrears > 1 day ( % )
Individual	10.24
Trust Bank	19.56
Other	9.76
Total	16.43
Portfolio in Arrears > 30 days ( % )
Individual	10.08
Trust Bank	18.00
Other	8.71
Total	15.17

Performance Report Summary

• Financial Statement
• Period: Jan - Mar 2008
• Rate: 1 USD = IDR 9,217

Lending Activity :
Number of Active Clients	24,440
Outstanding Portfolio (US$)	921,598
Average Loan Size (US$)	138
Average First Loan Size (US$)	99
Loans Made to Women ( % )	89.02
Loan Portfolio Quality ( % ) :
Portfolio in Arrears
> 1 day	11.47
> 30 days	9.62
Portfolio at Risk
> 1 day	20.11
> 30 days	11.06
Loan Loss Provision Ratio	3.35
Loan Loss Reserve Ratio	7.87
Expense & Productivity Ratio :
Financial Expense Ratio ( % )	-
Provision Expense Ratio (%)	3.35
Operating Expense Ratio(%)	66.16
Cost Per Loan Made(US$)	22
Cost Per Dollar Lent (US$)	0.16
Client per Loan Officer	339
Portfolio per Loan Officer (US$)	12,800
Clients per Staff	147
Portfolio per Staff	5,552
Sustainability (%) :
Return on Assets	3.46
Return on Equity	4.02
Return on Portfolio	5.60
Operational Sustainability	108.06
Financial Sustainability	95.37
Lending Activity by Methodology :
Number of Loans Made
Individual	34
Trust Bank	6,753
Other	535
Total	7,322
Value of Loans Made (US$)
Individual	81,447
Trust Bank	765,493
Other	214,576
Total	1,061,516
Average Loan Size (US$)
Individual	554
Trust Bank	113
Other	401
Total	1,068
Loans Made to Women ( % )
Individual	50
Trust Bank	89.20
Other	89.16
Total	89.02
Loan Portfolio Quality by Methodology :
Total Loan Portfolio Outstanding (US$)
Individual	58,498
Trust Bank	589,277
Other	273,824
Total	921,599
Total Number of Outstanding Clients
Individual	262
Trust Bank	22,678
Other	1,500
Total	24,440
Portfolio in Arrears > 1 day ( % )
Individual	31.95
Trust Bank	11.49
Other	7.05
Total	11.47
Portfolio in Arrears > 30 days ( % )
Individual	30.44
Trust Bank	9.38
Other	5.68
Total	9.62

Windarti, Dressmaker

Windarti, 34 year old, is a member of "Arwana" Trust Bank Group. She is now in her third period loan of USD 333. She buys materials in Tanah Abang Market. Her customers are factory workers. She learns how to sew from her husband. Her husband is also has his own tailor business. Windarti started her business with USD 22 from her husband.

 After joining DIMAN, she is able to raise her weekly net profit USD10 to USD20. She used her loan to buy thread, yarn, buy another new sewing machine and buy hemming machine. She will use her next loan to buy new materials for making t’shirt and to buy one more new sewing machine. She will recruit one more employee.

Windarti is a senior high graduate same as her husband. She has 2 children, Erwin (11 year old) and Anissa (2 year old). Windarti and family have been living in a simple rented house for 6 years. She pays USD 25 per month for the house rent. 

Dian Mandiri (Diman) Foundation, works together with the Besom UK with the Project of “ Small Scale and Grass Root Business Development in Greater Jakarta”, provide Mrs. Windarti with a new sewing machine, delivered to Windarti’s house.

Jakarta's Flood

The Thursday floods, spurred when the riverbanks burst throughout Jakarta, Many of our Clients who fled their homes are staying at mosques, schools even on the street or railway, sleeping on floors with little access to restrooms.

Water levels had dropped or receded completely in some areas of Jakarta, but the renewed rains brought water levels in low-lying regions to three meters deep on Tuesday, raising fears of people wading in disease-ridden lakes of raw sewage.

More than 115,000 people returned home on drier lands, but the less fortunate — about 220,000 people — remained in temporary shelters.

So, we move on...

 

 

  Until Last Night we can only provide and deliver 500 bags of Basic Food to our clients who fled. The most crucial thing in a flood like this is to get people food and safe water and get it to them fast. 

We are part of something bigger and so the CLIENTS

 

Small Scale and Grass Root Business Development in Greater Jakarta

Dian Mandiri working together with The Besom UK, are providing grass root communities a chance to develop their small scale businesses. The Besom through Dian Mandiri help small businesses by providing them equipments that are will enhace their business. These equipment varies depending on their related business needs.