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					FINCA Peru
 $1.2   Million Investment
    $200,000 Management Information System
     Investment
    $1 Million Lending Capital
    2 Year Investment
 MIS capable of measuring social impact
 Lending capital to measure the social impact
  of new loans
 Formed   in 1993
 Covers 3 Regions with 4 Branches
 5 Diamond MFI based on Mix Market
 14,700 Borrowers
 $3.7 Million Loans to Borrowers
 Non-deposit taking MFI

                   Mission:
  Become the industry leader in Social Impact
  Reporting to ensure social inclusion and full
  development of women and underdeveloped
                 communities
 Growth  microfinance market
 10 out of 60 MFIs hold 69% of market
 Rural vs. Urban
 34% in extreme poverty, < $1 per day
                                  Finca Peru   All Peru MFIs

   Capital to Asset ratio         63%          21%
   Debt to Equity ratio           .6           3.9
   ROA                            10%          4%
   Operational Self-sufficiency   127%         119%
   Revenue/Assets                 46%          26%
 Village Banking Model – 100% Solidarity/7%
  Individual Lending
 Micro Enterprise Loans
 Housing Loans
 Compulsory Savings
 Life insurance
 Business Training
 Client Product Marketing Website
 Regulated  and supervised by the Peruvian
  Superintendent of Banks
 EIU’s Microscope Index score 74.3/100
    Regulatory Framework
    Institutional Development
    Investment Climate
        Political Stability
        Capital Market Stability
        Judicial System
        MFI Accounting standards
        MFI Governance standards
        MFI Transparency
 Portfolio   at Risk >30 days
     2.39% vs. 5.44% Peru average
5    Year Trend
 Management
    9 Top Managers (1 Original & 8 New)
    12 Middle Managers
 Board      of Directors
    7 Board Members (4 Female)
        Financial
        Legal
    Staff & Client Visits
    Planned Social Performance Committee
 Staff     – 69% Women
     49 Loan Officers
     120 Total Staff
 Productivity
     Borrowers per Loan Officer – 376 vs. 265 avg
     Borrowers per Staff Member – 122 vs. 118 avg
 Incentives
     Planned Incentive Scheme
           Social Performance
           Financial Performance
           Risk Management
   2009 MFI Gold Certificate Award – Mix Market Social
    Performance Task Force
       93 Women borrowers vs. 53% average in Peru MFIs
   Interest Rates
       Flat
       Declining Balance
       53% Yield on Gross Portfolio (Real)
   Collection Practices
       Clearly Outlined
       Staff Monitoring System
       Staff Training Program
       80% Borrowers rated Loan Officers as Very Good/Good
 $1.2  Million (Proposed Investment)+ $4.8
  Million (Total Assets)= 20% Equity position
 15.32% Return on Equity
 Largest Shareholder
     Approve MIS system
     Ensure Reports Meet Social & Financial Criteria
     Allocate Capital Investment
 Annual Review of Financial & Social Returns
 Bi-annual Directives for Future Investment
Income Statement     2010        2011
Total Income         2,420,000   4,450,000
Income from Loans    2,310,000   4,330,000
Income from          10,000      10,000
Investments
Income from Fees     100,000     110,000
Total Expenses       1,850,000   3,160,000
Financing Expenses   130,000     160,000
Operating Expenses   1,720,000   3,000,000
Net Income           570,000     1,450,000
                      Balance Sheet Impact

Balance Sheet            2010            2011
Total Assets             5,750,000       7,500,000
Cash & Equivalents       900,000         1,100,000
Trade & Receivables      150,000         200,000
Net Loan Portfolio       4,000,000       5,500,000
Net Fixed Assets         700,000         700,000
Total Liabilities &      5,750,000       7,500,000
Equity
Total Liabilities        2,500,000       3,000,000
Total Equity             3,250,000       4,500,000
 Known  Market – Peru – 8 investments
 Mission Match
    Socially Positive Investment
    Global Social Development Catalyst
    Create Positive Economic & Social Change
    Microfinance Client Protection Principles
    Socially Motivated Investors
    Double Bottom Line - Combination of Financial
     and Social Returns
Questions?
 Capital Asset/Ratio – 62.58%
 ROA – 9.61%
 ROE – 15.32%
 Operational Self Sufficiency – 126.56%
 Revenue/Total Assets - 45.81%
 Profit Margin – 20.99%
 Yield on Gross Portfolio – 57.75%
 Borrowers Per Loan Officer – 376
 Risk Coverage – 92%
 Loan Loss Rate - .66%
      Filter Criteria – Social Performance
 First
  Reporting Award
     Capacity to report Social & Financial
     Transparent Organization
     Allows Investor to see the impact of their
      investment
     4 Award Winners
 Second    Filter - Financial

				
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