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.