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Development of Credife operations
1998: Market research
Mayo 1999: CREDIFE is legally established
2003: Break even point is reached
2009: Communal Banking is incorporated into BP Microfinance
2012: BP Microfinance management is unified
Delivery of integral
financial se
rvices
Del
iver
y of
fund
s
Business development
Improvement of their quality Of life
Ackn
owle
dge
oper
ation
, te
chno
logy
and
su
ppor
t cos
ts
CREDIFE BUSINESS MODEL
2
Phases of growth
During the last 3 years, the number of customers have grown an average of 20%. In 2009, their average loan amount start reducing due to a increased growth of customers at the base of the country’s social-economic pyramid.
Dic. 2001 Dic. 2002 Dic. 2003 Dic. 2004 Dic. 2005 Dic. 2006 Dic. 2007 Dic. 2008 Dic. 2009 Dic. 2010 Dic. 2011 Ago. 2012
0
50,000
100,000
150,000
200,000
250,000
-
500
1,000
1,500
2,000
2,500
3,000
3,500 Número de Clientes Crédito promedio
US$
Number of clients Average loan amount
Structure of the Loan Portfolio and Purpose of the Credit operation
Capital de Trabajo
Compra de Maquinaria y Equipos
Consumo
Construcc. y Remodelación Loc.Comerc.
Mejoram. Vivienda
Compra Loc. Comercial.
Refinanc.
70.08%
14.33%
9.10%
4.69%
1.18%
0.46%
0.17%Outstanding Loan Portfolio per Purpose of the Credit Operation
(August 2012, Total: USD 510,2 MM)
Trading and Working Capital variables show the highest figures regarding usage of microfinance funding.
TRADE54%PRODUCTION
32%
SERVICES14%
Structure of the Loan Portfolio per Economic Activity
(August 2012)
Purchase of commercial facilities
Refinancing
Housing Improvement
Constructtion and Remodelling
Consumption
Purchase of machinery and equipment
Working Capital