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PERU
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Capital: Lima
Language: Spanish, Quechua, Aymara
Population: 25.662.000 (Urbana 72.% / Rural 27.7%)
Geography: Covering 1.285.215 Km2, the country is divided into three regions: Coast (Zone along the Pacific Ocean with desert areas, beaches and valleys), Highlands (Mountainous Zone dominated by the Andes Mountains. The summit of Mt Huascarán reaches 6,768 meters) and Jungle (Zone of tropical vegetation in the Amazon basin).
Climate: Peru has a diversity of climates in its three regions: Coast (possesses arid and dry characteristics, with high humidity, 300 C y 120 C) Highland (the highlands of Peru have two, well-marked climatic seasons: summer, between April and October, characterized by sunny days, very cold nights and an absence of rain, and a rainy season, between November and March, with abundant precipitations, temperatures which oscillate between 240 C y -30 C) Jungle (The Peruvian jungle can be divided into two types of climate: The jungle highlands (above 700 meters) which possess a warm, subtropical climate, with abundant rainfall (approximately 3.000 mm annually) between November and March and sunny days between April and October; and the jungle lowlands (below 700 meters), which has a summer season between the months of April and October and is an excellent time for tourism, with sunny days and high temperatures, frequently above 350 C
Currency: Nuevo Sol
Change Type: 1 USD = 3.15 soles
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Financial Information
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Institutional Characteristics
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Number of MFIs
Total Assets
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Sample size of group.
Total assets, adjusted for inflation and standardized loan portfolio provisioning and write-offs.
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38
13,782,653
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Financial Estructure
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Capital / Assets Ratio
Commercial Funding
Debt / Equity Ratio
Gross Loan Portfolio / Total Assets
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Total Equity, adjusted/ Total Assets, adjusted.
All liabilities with “market” price/ Average Gross Loan Portfolio.
Total liabilities, adjusted/ Total Equity, adjusted.
Gross Loan Portfolio, adjusted/ Total Assets, adjusted
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19.8%
88.1%
3.8
79,9%
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Scale and Outreach
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Number of Active Borrowers
% of Women Borrowers
Number of outstanding loans
Gross Loan Portfolio
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Number of Borrowers with loans outstanding, adjusted for standardized write-offs.
Number of active women borrowers/ Number of Active Borrowers adjusted.
Number of outstanding loans, adjusted for standardized write-offs.
Gross Loan Portfolio, adjusted for standardized write-offss.
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20,299
53.2%
22,686
11,665,233
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Macroeconomic Indicators
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GNP per capita
GDP Growth Rate
Deposit Rate
Inflation Rate
Financial Penetration
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US $
Annual Average
%
%
M3 / GIP
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2,610
6.7%
3.2%
2.0%
29.2%
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Profitability and Sustainability
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Adjusted Return on Assets
Adjusted Return on Equito
Operational Self-Sufficiency
Financial Self-Sufficiency
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Net Operating Income, adjusted and net of taxes/ Average Total Assets adjusted.
Net Operating Income, adjusted and net of taxes/ Average Total Equity adjusted.
Financial Revenue/ (Financial Expense + Net Loan Loss Provision Expense + Operating Expense).
Financial Revenue, adjusted/ (Financial Expense + Net Loan Loss Provision Expense + Operating Expense), adjusted..
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4.4%
17,6%
129,6%
125,9%
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* The data used in this section forms parts of a study by the MIX Society, Latin America, regarding the state of micro finances in the Latin America and the Caribbean region, as of December, 2006. The information is part of a statistical sample of all the microfinance institutions in Peru, Bolivia and Ecuador.
Information taken from: “Latin America and the Caribbean”, Microfinance Information eXchange (MIX), in Regional Benchmarks, MIX Latin America, December, 2006, Lima, Peru. Available in: www.themix.org
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Ruta de Aprendizaje® PROCASUR / Paths to Learning® PROCASUR
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