This document contains statistics on microfinance institutions in El Salvador as of December 2013. It includes tables showing the number of institutions, agencies, clients, loan portfolio, and loan portfolio participation by institution. It also includes charts showing the distribution of clients and loan portfolio across economic activities and geographic departments. The largest institution is SAC Integral with over 27,000 clients and a 48.1% share of the total loan portfolio. Most clients are involved in commerce, and most of the portfolio is distributed across the departments of San Salvador, San Miguel, and Santa Ana.
This document provides data on loan portfolios and clients for microfinance institutions in El Salvador as of December 2009. It shows that Apoyo Integral had the largest loan portfolio at over $59 million, representing 41.6% of the total portfolio. In terms of clients, Apoyo Integral also had the most with over 33,000 clients. The data is broken down by institution, number of branches, clients, loan amounts, client economic activity and department.
The document provides data on 12 microfinance institutions operating in El Salvador including the number of agencies, clients, loan portfolio size, and participation percentages. It shows that Apoyo Integral has the largest number of clients at 37,233, while ACCOVI DE R.L. has the largest loan portfolio at $43,839,600, equivalent to 31.5% of the total portfolio. The data is broken down by institution, economic activity of clients, department, and portfolio size by department. Apoyo Integral and ACCOVI DE R.L. have the most widespread operations across departments.
This document lists the top 500 companies in Brazil with the largest debts to the social security system. It provides the company name, tax identification number, total debt value for each company. The top debtor owes over 3.7 billion reals and most debts are in the hundreds of millions of reals. Several state and local governments also appear high on the list.
Evol depositos por empresa estatal en Banco Nuevo Mundogonzaloromani
This document summarizes the dollar deposits of various Peruvian state-owned enterprises from July 2000 to November 2000. It shows the deposits held by each enterprise for each month. The largest deposits belonged to FONAVI, ESSALUD, and Electropuru. The total deposits across all enterprises decreased from July to October but then increased in November.
Este documento describe las responsabilidades de un analista de cartera, incluyendo revisar y controlar pagos de clientes, verificar y analizar portafolios de clientes, y remitir informes sobre la evolución de pagos y comportamiento de recaudo. También se requiere llevar un histórico mensual de la cartera, verificar oportunidades de mejora, y controlar formas de pago.
Captar y fidelizar clientes de una manera más rentable Javier Gallardo(crea18...SalonMiEmpresa
Este documento describe cómo las empresas pueden mejorar la experiencia del cliente (CX) para captar y fidelizar clientes de manera más rentable. Explica que la nueva relación con los clientes se basa en gestionar sus emociones y mejorar su experiencia a lo largo de todo el ciclo, desde que se enteran del producto hasta que renuevan o dejan la empresa. También presenta ejemplos de cómo Sage España aplica estos principios de CX para aumentar la fidelización y captación de nuevos clientes.
Administración de riesgos en la cartera de clientes (introducción)Rodolfo Pulido
1. El documento habla sobre la administración de riesgos de una cartera de clientes. Describe conceptos como cuentas por cobrar, riesgo crediticio y formas de clasificar y obtener información sobre las cuentas por cobrar. 2. Explica los objetivos de las cuentas por cobrar y su relación con la administración financiera del capital de trabajo. 3. Define los diferentes tipos de riesgos como riesgo puro, especulativo y financiero, y las alternativas para solucionarlos.
This document provides data on loan portfolios and clients for microfinance institutions in El Salvador as of December 2009. It shows that Apoyo Integral had the largest loan portfolio at over $59 million, representing 41.6% of the total portfolio. In terms of clients, Apoyo Integral also had the most with over 33,000 clients. The data is broken down by institution, number of branches, clients, loan amounts, client economic activity and department.
The document provides data on 12 microfinance institutions operating in El Salvador including the number of agencies, clients, loan portfolio size, and participation percentages. It shows that Apoyo Integral has the largest number of clients at 37,233, while ACCOVI DE R.L. has the largest loan portfolio at $43,839,600, equivalent to 31.5% of the total portfolio. The data is broken down by institution, economic activity of clients, department, and portfolio size by department. Apoyo Integral and ACCOVI DE R.L. have the most widespread operations across departments.
This document lists the top 500 companies in Brazil with the largest debts to the social security system. It provides the company name, tax identification number, total debt value for each company. The top debtor owes over 3.7 billion reals and most debts are in the hundreds of millions of reals. Several state and local governments also appear high on the list.
Evol depositos por empresa estatal en Banco Nuevo Mundogonzaloromani
This document summarizes the dollar deposits of various Peruvian state-owned enterprises from July 2000 to November 2000. It shows the deposits held by each enterprise for each month. The largest deposits belonged to FONAVI, ESSALUD, and Electropuru. The total deposits across all enterprises decreased from July to October but then increased in November.
Este documento describe las responsabilidades de un analista de cartera, incluyendo revisar y controlar pagos de clientes, verificar y analizar portafolios de clientes, y remitir informes sobre la evolución de pagos y comportamiento de recaudo. También se requiere llevar un histórico mensual de la cartera, verificar oportunidades de mejora, y controlar formas de pago.
Captar y fidelizar clientes de una manera más rentable Javier Gallardo(crea18...SalonMiEmpresa
Este documento describe cómo las empresas pueden mejorar la experiencia del cliente (CX) para captar y fidelizar clientes de manera más rentable. Explica que la nueva relación con los clientes se basa en gestionar sus emociones y mejorar su experiencia a lo largo de todo el ciclo, desde que se enteran del producto hasta que renuevan o dejan la empresa. También presenta ejemplos de cómo Sage España aplica estos principios de CX para aumentar la fidelización y captación de nuevos clientes.
Administración de riesgos en la cartera de clientes (introducción)Rodolfo Pulido
1. El documento habla sobre la administración de riesgos de una cartera de clientes. Describe conceptos como cuentas por cobrar, riesgo crediticio y formas de clasificar y obtener información sobre las cuentas por cobrar. 2. Explica los objetivos de las cuentas por cobrar y su relación con la administración financiera del capital de trabajo. 3. Define los diferentes tipos de riesgos como riesgo puro, especulativo y financiero, y las alternativas para solucionarlos.
The document provides a market report from NAI Wisinski of West Michigan summarizing commercial real estate trends in the West Michigan area for the fourth quarter of 2016. It includes statistics on industrial, office, and retail properties such as construction levels, vacancy rates, asking rental rates, and net absorption. Real estate transactions completed in the fourth quarter of 2016 are also listed.
This document describes an investment opportunity offered by Solar Warm, an international company based in Thailand. It offers several investment packages ranging from $1,000 to $30,000, with daily returns of 1.68%. The document provides examples of how much could be earned over 90, 180, 270, and 360 days for each package level through compound interest. Additional benefits include bonuses for sponsoring new investors and a binary bonus program.
This document contains cash flow analyses for a construction company from 2012 to 2020. It shows projected income from sales and loans, expenses for personnel, materials, machinery, and other costs. It also includes a loan amortization schedule and graphs showing the balance of cash and accumulated cash over time. The analyses project steady income growth from sales each year and a gradual increase in the balance and accumulation of cash in the company's accounts.
The document is a statistical bulletin from Peru's Ministry of Energy and Mines reporting on metal production in the mining subsector for May 2015. It finds that copper and gold production increased year-over-year in May 2015 by 16.08% and 9.28% respectively. For the January-May period, production of all metals increased except tin, with copper up 6.29%, gold 7.92%, zinc 13.19%, silver 2.84%, and lead 18.85%. The regions of Cusco, Junin and Tacna saw some of the largest output increases of copper during this period.
This document compares the 2011 certifications and projected 2012 certifications for various municipalities in the Antioquia department of Colombia. It provides data on revenue, expenses, and ratios for each municipality. The document shows that most municipalities are projected to have higher revenues and expenses in 2012 compared to 2011.
This document compares the 2011 certifications and projected 2012 certifications for various municipalities in the Antioquia department of Colombia. It provides data on revenue, expenses, and ratios for each municipality. The document shows that most municipalities are projected to have higher revenues and expenses in 2012 compared to 2011.
This document contains data on development programs across communes in Haiti. It lists the number of beneficiaries of various programs in each commune, including food programs, cash transfers, credit programs, and total population. The largest numbers of beneficiaries are in communes with the largest populations like Cap-Haitien, Gonaives, and Hinche. Overall the data shows the reach of development programs targeting hundreds of thousands of people across Haiti at the commune level.
This document provides data on microfinance institutions in El Salvador as of December 2010. It includes information on the number of clients, loan portfolio, and breakdowns by factors such as gender, rural participation, and loan methodology (individual vs group lending). Some key figures are that the total number of clients served was nearly 100,000, with a loan portfolio of over $161 million. About 60% of clients and 48.5% of the loan portfolio were for women. Rural clients and loans accounted for about 51% and 52% respectively. The average loan size was $1,624.
This document lists the top 500 companies in Brazil with the largest debts to the social security system. It provides the company name, tax identification number, total debt value for each company. The top debtor owes over 3.7 billion reals and most debts are in the hundreds of millions of reals. Several airlines, food companies, hospitals, universities and government agencies have large social security debts.
This document lists the top 500 companies in Brazil with the largest debts to the social security system. It provides the company name, tax identification number, total debt value for each company. The top debtor owes over 3.7 billion reals and most debts are in the hundreds of millions of reals. Several airlines, food companies, hospitals and universities are among the top debtors.
This document lists the top 500 companies in Brazil with the largest debts to the social security system. It provides the company name, tax identification number, total debt value for each company. The top debtor owes over 3.7 billion reals and most debts are in the hundreds of millions of reals. Several state and local governments also appear high on the list.
This document contains population projections from 2010 to 2030 for various localities within multiple municipalities in the state of Oaxaca, Mexico. The population numbers are projected to gradually increase over time for most localities. Some localities are expected to see minimal changes while others may experience greater growth. The document provides a detailed breakdown of population projections at the municipality and locality levels over a 21 year period.
This document contains projected income and expenses for a restaurant for the year 2019. It projects monthly and yearly sales for food, beverages and total gross sales. It also projects monthly and yearly costs for cost of goods sold, general and administrative expenses including employee salaries, rent, utilities and other fixed costs. The projections show a controllable monthly profit of over $21,000 and yearly profit of over $241,000 after accounting for all expenses. A schedule is also included showing projected staffing needs by position and hours to support the anticipated sales volumes.
This document provides a breakdown of tax revenue transfers from various national taxes to the different provinces of Argentina in 2021. It lists the amounts transferred for different tax categories like income tax, value added tax, fuel taxes, and others. The totals transferred to each province are provided at the end along with national totals of over 54 billion Argentine pesos in total revenue transfers.
- The document provides stock debt data for each Argentine province as of March 31, 2019, totaling over 1.2 trillion pesos. The largest debts belong to Buenos Aires (521 billion pesos), Córdoba (122 billion pesos), and Mendoza (63 billion pesos). The debts are owed to different creditors including the national government, international organizations, banks, and bondholders.
- Darling Modular Homes' gross profit for January 2020 was $3,559,456 and gross margin was 8.25%
- The document provides details on actual, forecasted, and budgeted gross profits for various home models in different regions for January 2020. The South Central region had an actual gross profit of $1,581,403.
- Performance is shown against forecast and budget for each home model in each region, with variances calculated.
This document contains projected income and expenses for 2017 for a restaurant. It estimates that total annual sales will be $735,420, with $499,800 from food sales and $235,620 from beverage sales. Total annual general and administrative expenses are projected to be $327,191. This would result in controllable annual profit of $184,390 before financing costs. A schedule is also included showing projected staffing needs and hours.
- This document projects income and expenses for a restaurant in 2018. It includes projected monthly food and beverage sales as well as itemized general and administrative expenses.
- Total projected annual sales are $808,962, with food sales accounting for 68% ($549,780) and beverage sales 32% ($259,182). Total projected annual expenses are $352,654.
- The projections show a controllable annual profit of $210,085 after accounting for fixed general and administrative costs but before any financing costs.
The document is a report from David A. Salazar Morote, President of the Regional Government of Apurimac, Peru. It contains budget execution data for 2007 and 2008, including budgets by source of financing and function. It also contains projections for expenditure through December 2008 and lists projects and budgets for 2009.
El resumen analiza la evolución de la cartera de microfinanzas en Centroamérica y República Dominicana entre 2010 y junio de 2014. La cartera agregada regional creció un 4% entre marzo y junio de 2014, alcanzando los USD 1,053 millones. Todos los países presentaron crecimiento en su cartera agregada, con un promedio regional del 4%. El 71% de las instituciones microfinancieras reportaron un incremento en su cartera.
El documento resume la situación de la cartera de 90 instituciones microfinancieras en Centroamérica y República Dominicana a septiembre de 2014. La cartera agregada regional creció un 4% respecto al trimestre anterior, alcanzando los USD 1,096 millones. La mayoría de los países mostraron incrementos en su cartera, excepto Honduras que decreció un 0,64%. El 79% de las instituciones reportaron aumentos en su cartera. La cartera en riesgo mayor a 30 días fue del 7,2% regionalmente.
The document provides a market report from NAI Wisinski of West Michigan summarizing commercial real estate trends in the West Michigan area for the fourth quarter of 2016. It includes statistics on industrial, office, and retail properties such as construction levels, vacancy rates, asking rental rates, and net absorption. Real estate transactions completed in the fourth quarter of 2016 are also listed.
This document describes an investment opportunity offered by Solar Warm, an international company based in Thailand. It offers several investment packages ranging from $1,000 to $30,000, with daily returns of 1.68%. The document provides examples of how much could be earned over 90, 180, 270, and 360 days for each package level through compound interest. Additional benefits include bonuses for sponsoring new investors and a binary bonus program.
This document contains cash flow analyses for a construction company from 2012 to 2020. It shows projected income from sales and loans, expenses for personnel, materials, machinery, and other costs. It also includes a loan amortization schedule and graphs showing the balance of cash and accumulated cash over time. The analyses project steady income growth from sales each year and a gradual increase in the balance and accumulation of cash in the company's accounts.
The document is a statistical bulletin from Peru's Ministry of Energy and Mines reporting on metal production in the mining subsector for May 2015. It finds that copper and gold production increased year-over-year in May 2015 by 16.08% and 9.28% respectively. For the January-May period, production of all metals increased except tin, with copper up 6.29%, gold 7.92%, zinc 13.19%, silver 2.84%, and lead 18.85%. The regions of Cusco, Junin and Tacna saw some of the largest output increases of copper during this period.
This document compares the 2011 certifications and projected 2012 certifications for various municipalities in the Antioquia department of Colombia. It provides data on revenue, expenses, and ratios for each municipality. The document shows that most municipalities are projected to have higher revenues and expenses in 2012 compared to 2011.
This document compares the 2011 certifications and projected 2012 certifications for various municipalities in the Antioquia department of Colombia. It provides data on revenue, expenses, and ratios for each municipality. The document shows that most municipalities are projected to have higher revenues and expenses in 2012 compared to 2011.
This document contains data on development programs across communes in Haiti. It lists the number of beneficiaries of various programs in each commune, including food programs, cash transfers, credit programs, and total population. The largest numbers of beneficiaries are in communes with the largest populations like Cap-Haitien, Gonaives, and Hinche. Overall the data shows the reach of development programs targeting hundreds of thousands of people across Haiti at the commune level.
This document provides data on microfinance institutions in El Salvador as of December 2010. It includes information on the number of clients, loan portfolio, and breakdowns by factors such as gender, rural participation, and loan methodology (individual vs group lending). Some key figures are that the total number of clients served was nearly 100,000, with a loan portfolio of over $161 million. About 60% of clients and 48.5% of the loan portfolio were for women. Rural clients and loans accounted for about 51% and 52% respectively. The average loan size was $1,624.
This document lists the top 500 companies in Brazil with the largest debts to the social security system. It provides the company name, tax identification number, total debt value for each company. The top debtor owes over 3.7 billion reals and most debts are in the hundreds of millions of reals. Several airlines, food companies, hospitals, universities and government agencies have large social security debts.
This document lists the top 500 companies in Brazil with the largest debts to the social security system. It provides the company name, tax identification number, total debt value for each company. The top debtor owes over 3.7 billion reals and most debts are in the hundreds of millions of reals. Several airlines, food companies, hospitals and universities are among the top debtors.
This document lists the top 500 companies in Brazil with the largest debts to the social security system. It provides the company name, tax identification number, total debt value for each company. The top debtor owes over 3.7 billion reals and most debts are in the hundreds of millions of reals. Several state and local governments also appear high on the list.
This document contains population projections from 2010 to 2030 for various localities within multiple municipalities in the state of Oaxaca, Mexico. The population numbers are projected to gradually increase over time for most localities. Some localities are expected to see minimal changes while others may experience greater growth. The document provides a detailed breakdown of population projections at the municipality and locality levels over a 21 year period.
This document contains projected income and expenses for a restaurant for the year 2019. It projects monthly and yearly sales for food, beverages and total gross sales. It also projects monthly and yearly costs for cost of goods sold, general and administrative expenses including employee salaries, rent, utilities and other fixed costs. The projections show a controllable monthly profit of over $21,000 and yearly profit of over $241,000 after accounting for all expenses. A schedule is also included showing projected staffing needs by position and hours to support the anticipated sales volumes.
This document provides a breakdown of tax revenue transfers from various national taxes to the different provinces of Argentina in 2021. It lists the amounts transferred for different tax categories like income tax, value added tax, fuel taxes, and others. The totals transferred to each province are provided at the end along with national totals of over 54 billion Argentine pesos in total revenue transfers.
- The document provides stock debt data for each Argentine province as of March 31, 2019, totaling over 1.2 trillion pesos. The largest debts belong to Buenos Aires (521 billion pesos), Córdoba (122 billion pesos), and Mendoza (63 billion pesos). The debts are owed to different creditors including the national government, international organizations, banks, and bondholders.
- Darling Modular Homes' gross profit for January 2020 was $3,559,456 and gross margin was 8.25%
- The document provides details on actual, forecasted, and budgeted gross profits for various home models in different regions for January 2020. The South Central region had an actual gross profit of $1,581,403.
- Performance is shown against forecast and budget for each home model in each region, with variances calculated.
This document contains projected income and expenses for 2017 for a restaurant. It estimates that total annual sales will be $735,420, with $499,800 from food sales and $235,620 from beverage sales. Total annual general and administrative expenses are projected to be $327,191. This would result in controllable annual profit of $184,390 before financing costs. A schedule is also included showing projected staffing needs and hours.
- This document projects income and expenses for a restaurant in 2018. It includes projected monthly food and beverage sales as well as itemized general and administrative expenses.
- Total projected annual sales are $808,962, with food sales accounting for 68% ($549,780) and beverage sales 32% ($259,182). Total projected annual expenses are $352,654.
- The projections show a controllable annual profit of $210,085 after accounting for fixed general and administrative costs but before any financing costs.
The document is a report from David A. Salazar Morote, President of the Regional Government of Apurimac, Peru. It contains budget execution data for 2007 and 2008, including budgets by source of financing and function. It also contains projections for expenditure through December 2008 and lists projects and budgets for 2009.
El resumen analiza la evolución de la cartera de microfinanzas en Centroamérica y República Dominicana entre 2010 y junio de 2014. La cartera agregada regional creció un 4% entre marzo y junio de 2014, alcanzando los USD 1,053 millones. Todos los países presentaron crecimiento en su cartera agregada, con un promedio regional del 4%. El 71% de las instituciones microfinancieras reportaron un incremento en su cartera.
El documento resume la situación de la cartera de 90 instituciones microfinancieras en Centroamérica y República Dominicana a septiembre de 2014. La cartera agregada regional creció un 4% respecto al trimestre anterior, alcanzando los USD 1,096 millones. La mayoría de los países mostraron incrementos en su cartera, excepto Honduras que decreció un 0,64%. El 79% de las instituciones reportaron aumentos en su cartera. La cartera en riesgo mayor a 30 días fue del 7,2% regionalmente.
FOMENTA fue constituida en 2007 como una sociedad de capital variable para otorgar préstamos al sector agropecuario. Actualmente es una Sociedad Cooperativa de Ahorro y Crédito que ofrece préstamos y captación de depósitos. Su principal ventaja es contar con el apoyo de la Fundación San Vicente Productivo como accionista principal. Ofrece una variedad de productos y servicios financieros para proyectos agropecuarios, comerciales y de producción. Su misión es apoyar el desarrollo productivo y mejorar las condiciones de vida de
El documento presenta indicadores de 11 instituciones de microfinanzas en El Salvador a junio de 2013. En total tienen casi 90,000 clientes y una cartera de $127 millones. La mayoría de clientes (57%) y cartera (46%) corresponden al sector comercio. La institución con mayor participación es SAC Integral con cerca de 29,000 clientes y $63 millones en cartera.
Este documento presenta datos generales e indicadores de 10 instituciones miembros de Asomi para diciembre de 2012. Incluye información sobre el número de empleados, indicadores de género y participación rural, distribución de clientes y cartera por actividad económica y departamento. Apoyo Integral tiene la mayor participación en cartera total (53.2%) mientras que la agricultura y la ganadería representan la mayor parte de la cartera (16.4%) y los clientes (21.5%). La mayoría de los clientes y la cartera se concentran en
Este documento proporciona información sobre 12 instituciones microfinancieras en El Salvador. Muestra que ACCOVI tiene la cartera más grande con $32.4 millones, 7,569 clientes y sucursales en San Vicente. Apoyo Integral tiene la mayor cantidad de clientes con 26,856 aunque su cartera es de $26.9 millones. La mayoría de los clientes de las IMF se dedican al comercio, representando el 50.7% del total, mientras que la cartera más grande está en vivienda con el 30.4%.
El resumen presenta datos de diciembre de 2007 sobre las instituciones microfinancieras asociadas a ASOMI en El Salvador. Reporta que Apoyo Integral tiene la mayor cantidad de clientes (38.1%) y cartera (37.5%), mientras que ACCOVI de R.L. tiene la mayor participación en cartera (34%). La mayoría de los clientes (57.5%) y cartera (36.6%) corresponden a la actividad comercial. San Salvador concentra la mayor cantidad de clientes (24.3%).
The document provides data on microfinance institutions in El Salvador as of June 30, 2012. It includes general institutional data, gender indicators, rural participation indicators, scale indicators, and financial performance indicators. Some key details are:
- There are a total of 87,906 clients across 10 institutions.
- Total loan portfolio is $114.4 million.
- The largest institutions by loan portfolio are Apoyo Integral with $64.1 million and Fundacion Campo with $12.8 million.
- Rural clients make up 20.9% of total clients and rural loans are 15.4% of the total loan portfolio.
El resumen presenta datos generales e indicadores de 10 instituciones microfinancieras de El Salvador al 30 de junio de 2007. Reporta información sobre el número de empleados, clientes, cartera de préstamos y participación rural/urbana. Además, incluye detalles sobre la distribución de clientes y cartera por género, actividad económica y departamento. En total, las 10 instituciones tenían 295 empleados de crédito y 73,070 clientes, con una cartera de $94 millones.
El resumen presenta datos sobre las instituciones microfinancieras asociadas en ASOMI al 30 de junio de 2006. Reporta información sobre el número de clientes, monto de la cartera, distribución geográfica y por actividad económica. Las 10 instituciones atendieron 57,234 clientes con una cartera total de $65.2 millones. La mayor parte de la cartera se concentró en vivienda (31.8%), comercio (31.8%) y servicios (8%). San Salvador concentró la mayor proporción de clientes (20.7%) y car
This document contains data on microfinance institutions associated with ASOMI in El Salvador. It includes tables showing the number of clients, loan portfolio amounts, market share percentages, and breakdowns of clients and loan amounts by economic activity and department for each institution. The largest institutions are Apoyo Integral with over 34,000 clients and 55% of the loan portfolio, followed by AMC de R.L. with over 15,000 clients and 17% of the loan portfolio. Most clients and loan amounts are focused on commerce, agriculture, and services.
Este documento presenta indicadores clave de 10 instituciones de microfinanzas en El Salvador al 30 de junio de 2010. Incluye datos generales como número de empleados y oficiales de crédito, así como indicadores de género, participación rural, escala, desempeño financiero, cartera y clientes. La mayoría de clientes se dedican al comercio y la agricultura. La cartera y clientes se concentran en los departamentos de San Salvador, Santa Ana y La Liberta. La mayor parte de la cartera vence a más de 24 meses.
Este documento presenta datos generales de 12 instituciones microfinancieras asociadas en ASOMI al 30 de junio de 2008. Reporta información sobre el número de empleados y oficiales de crédito, clientes y cartera según género, participación rural, indicadores de escala y desempeño financiero. Las instituciones atendieron 91,616 clientes y una cartera total de $127.8 millones. ACCOVI, AMC y Apoyo Integral atendieron al 84% de los clientes y concentran el 84.5% de la cartera total. La mayor
Este documento resume las actividades de la Asociación de Organizaciones de Microfinanzas (ASOMI) en El Salvador durante el año 2011. ASOMI representa a instituciones de microfinanzas y trabaja para fortalecer el sector mediante la incidencia política, el desarrollo tecnológico y el apoyo a sus socias. Algunas de sus actividades clave incluyeron reuniones sobre una propuesta de ley contra la usura, capacitaciones a empleados de sus socias y la participación en eventos como el premio CITI-ESEN al
3. Instituciones Sede Agencias Clientes Cartera (miles US$)
AMC de R.L. de C.V.
San Miguel 18 12,086 20,306.7 14.8%
ASEI
San Salvador 7 10,995 3,787.2 2.8%
ASOCIACIÓN EL BÁLSAMO
San Salvador 3 1,035 357.5 0.3%
FADEMYPE
San Salvador 2 1,175 1,657.3 1.2%
FINCA
San Salvador 10 13,132 12,057.1 8.8%
FOMENTA, S.A. DE C.V.
San Vicente 1 1,307 871.3 0.6%
FUNDACIÓN CAMPO
San Miguel 9 13,998 17,674.8 12.9%
FUNSALDE
San Salvador 4 1,524 1,190.9 0.9%
MICRÉDITO
San Salvador 3 1,116 1,640.8 1.2%
OPTIMA, S. A. de C.V.
San Salvador 4 1,667 4,292.4 3.1%
PADECOMSMCREDITO DE R.L.
DE C.V. Morazán 6 6,064 7,204.3 5.3%
SAC. INTEGRAL, S.A.
San Salvador 25 27,131 65,722.4 48.1%
TOTAL 92 91,230 136762,858 100.0%
4. AMC de R.L. de C.V.
ASEI
ASOCIACIÓN EL…
FADEMYPE
FINCA
FOMENTA, S.A. DE…
FUNDACIÓN…
FUNSALDE
MICRÉDITO
OPTIMA, S. A. de…
PADECOMSMCRE…
SAC. INTEGRAL, S.A.
14.8%
2.8%
0.3%
1.2%
8.8%
0.6%
12.9%
0.9%
1.2%
3.1%
5.3%
48.1%
PARTICIPACIÓN EN CARTERA
5. AMC de R.L. de C.V.
ASEI
ASOCIACIÓN EL…
FADEMYPE
FINCA
FOMENTA, S.A. DE…
FUNDACIÓN CAMPO
FUNSALDE
MICRÉDITO
OPTIMA, S. A. de C.V.
PADECOMSMCREDI…
SAC. INTEGRAL, S.A.
13.2%
12.1%
1.1%
1.3%
14.4%
1.4%
15.3%
1.7%
1.2%
1.8%
6.6%
29.7%
PARTICIPACIÓN EN CLIENTES
6.
7. Instituciones
Agropecuaria y
Forestal
Comercio Servicios Peq Ind Consumo Vivienda Otros TOTAL
AMC de R.L. de C.V.
2,237
6,153 880 580 764 1,472 12,086
ASEI
209
10,580 206 10,995
ASOCIACIÓN EL
BÁLSAMO 134
844 16 14 27 1,035
FADEMYPE
54
965 41 18 - 97 1,175
FINCA
1,406
9,128 1,275 1,180 143 13,132
FOMENTA, S.A. DE
C.V. 963
252 27 37 28 1,307
FUNDACIÓN CAMPO
6,685
2,302 1,002 202 1,268 2,512 27 13,998
FUNSALDE
68
1,108 96 168 84 1,524
MICRÉDITO
41
623 321 65 66 1,116
OPTIMA, S. A. de C.V.
64
1,140 324
-
105 34 1,667
PADECOMSMCREDITO
DE R.L DE C.V. 1,353
3,426 1,164 121 6,064
SAC. INTEGRAL, S.A.
6,275
14,859 1,277 740 858 3,123 27,131
Total 19,489
51,381 6,422 3,125 3,089 7,555 170 91,230
21.4% 56.3% 7.0% 3.4% 3.4% 8.3% 0.2% 100.0%
8. Agropecuaria y Forestal Comercio Servicios Peq Ind Consumo Vivienda Otros
21.4%
56.3%
7.0%
3.4% 3.4%
8.3%
0.2%
DISTRIBUCIÓN DE CLIENTES POR ACTIVIDAD
ECONÓMICA
9.
10. Instituciones
Agropecuaria
y Forestal
Comercio Servicios Peq Ind Consumo Vivienda Otros TOTAL
AMC de R.L. de C.V. 2,006.5 8,159.6
5,057.8
990.0
567.8
3,525.0 20,306.7
ASEI 72.6 3,626.1 - - 88.6 3,787.2
ASOCIACIÓN EL
BÁLSAMO
15.9 289.3
45.8
2.8 3.8 357.5
FADEMYPE 52.6 1,221.9
37.0
32.0 - 313.8 1,657.3
FINCA 1,221.9 6,679.0
2,498.4
1,133.6 524.2 12,057.1
FOMENTA, S.A. DE C.V. 657.1 110.5
22.7
46.8 34.2 871.3
FUNDACIÓN CAMPO 5,905.5 2,425.8
1,824.8
205.9 1,723.3 5,564.4 25.1 17,674.8
FUNSALDE 68.9 760.0
189.3
122.0 - 50.7 1,190.9
MICRÉDITO 70.4 941.4
505.6
59.9 63.5 1,640.8
OPTIMA, S. A. de C.V. 59.2 2,530.9
1,344.8
-
179.3
178.3 4,292.4
PADECOMSMCREDITO
DE R.L DE C.V.
1,418.4 3,834.0
1,829.8
122.1 7,204.3
SAC. INTEGRAL, S.A. 14,435.0 36,438.2
3,335.8
1,759.2
2,480.4
7,273.8 65,722.4
Total 25,984.0 67,016.8 16,691.8 4,474.4 5,048.4 16,998.2 549.3 136,762.9
19.0% 49.0% 12.2% 3.3% 3.7% 12.4% 0.4% 100.0%
13. Parte 1
Departamento
AMC de R.L. de
C.V.
ASEI
ASOC.
EL BÁLSAMO
FADEMYPE FINCA
FOMENTA,
S.A. DE C.V.
Ahuachapán 177 -
Cabañas 1,288 -
Chalatenango 359 487 -
Cuscatlán 625 1,977 9 5 1,104
La Libertad 282 1,637 30 28 1,169
La Paz 1,221 37 808 1,604
La Unión 1,363 -
Morazán 1,156 -
Santa Ana 799 1,176 2 11 1,706
San Salvador 148 3,754 433 191 4,339
San Miguel 1,549 21 - 1,584
San Vicente 888 207 105 137 1,307
Sonsonate 717 1,943 317 1 1,489
Usulután 1,514 26
Total 12,086 10,995 1,035 1,175 13,132 1,307
14. Parte 2
Departamento
FUNDACIÓN
CAMPO
FUNSALDE MICRÉDITO
OPTIMA, S. A.
de C.V.
PADECOMSMCR
EDITO DE R.L DE
C.V.
SAC. INTEGRAL,
S.A.
TOTAL
Ahuachapán 569 5 3,056 3,807 4.2%
Cabañas 329 - 5 231 1,853 2.0%
Chalatenango 8 4 661 1,519 1.7%
Cuscatlán 1 3 61 586 4,371 4.8%
La Libertad 84 312 3,227 6,769 7.4%
La Paz 4 8 18 1,706 5,406 5.9%
La Unión 2,452 11 - 588 4,414 4.8%
Morazán 3,320 15 -
1,860
464 6,815 7.5%
Santa Ana 7 265 8 2,535 6,509 7.1%
San Salvador 4 187 574 1,233 6,135 16,998 18.6%
San Miguel 3,999 124 277 3
2,626
1,296 11,479 12.6%
San Vicente 20 4 - 1,231 3,899 4.3%
Sonsonate 299 11 2,090 6,867 7.5%
Usulután 3,869 205 7
1,578
3,326 10,525 11.5%
Total 13,998 1,524 1,116 1,667
6,064
27,131 91,230 100.0%
15. 0.0% 5.0% 10.0% 15.0% 20.0%
Ahuacha…
Cabañas
Chalaten…
Cuscatlán
La Libertad
La Paz
La Unión
Morazán
Santa Ana
San…
San Miguel
San…
Sonsonate
Usulután
DISTRIBUCIÓN DE CLIENTES POR
DEPARTAMENTO
16.
17. Departamento
AMC de R.L. de
C.V.
ASEI
ASOC.
EL BÁLSAMO
FADEMYPE FINCA
FOMENTA,
S.A. DE C.V.
Ahuachapán 219.33 -
Cabañas 1,938.0 -
Chalatenango 701.4 165.6 -
Cuscatlán 645.9 635.7 1.8 5.2 633.2
La Libertad 593.0 521.2 24.8 47.8 1,265.3
La Paz 1,355.8 12.9 1,069.8 1,485.0
La Unión 1,942.9 -
Morazán 1,604.9 -
Santa Ana 1,230.9 323.8 1.1 7.0 1,912.2
San Salvador 1,027.5 1,476.7 213.7 425.4 4,208.4
San Miguel 5,140.7 1.6 - 1,183.6
San Vicente 1,140.5 50.0 68.3 103.4 871.28
Sonsonate 940.5 662.8 53.2 7.8 1,266.1
Usulután 1,825.4 26.1
Total 20,306.7 3,787.2 357.5 1,657.3 12,057.1 871.3
Parte 1
18. Departamento
FUNDACIÓN
CAMPO
FUNSALDE MICRÉDITO
OPTIMA, S. A.
de C.V.
PADECOMSMCRE
DITO DE R.L DE
C.V.
SAC.
INTEGRAL,
S.A.
TOTAL
Ahuachapán 360.9 13.09
6,188.1
6,781.49 5.0%
Cabañas 245.4 - 10.2
459.8
2,653.45 1.9%
Chalatenango 17.0 9.6
2,349.1
3,242.62 2.4%
Cuscatlán 1.2 2.0 132.5
1,084.4
3,141.74 2.3%
La Libertad 58.3 1,005.0
8,500.4
12,015.78 8.8%
La Paz 8.5 13.7 18.2
3,064.0
7,027.96 5.1%
La Unión 2,869.9 16.0 -
1,743.7
6,572.57 4.8%
Morazán 4,533.5 15.1 - 2,914.2
965.3
10,032.98 7.3%
Santa Ana 3.0
312.1
59.3
4,668.2
8,517.45 6.2%
San Salvador 18.9 214.6
949.2
2,991.2
18,319.0
29,844.48 21.8%
San Miguel 4,877.7 189.8
379.5
2.0 2,775.0
3,529.4
18,079.36 13.2%
San Vicente 26.22 5.6 -
1,826.6
4,091.84 3.0%
Sonsonate 162.4 33.8
5,365.4
8,492.01 6.2%
Usulután 5,093.5 132.5 17.5 1,515.1
7,659.0
16,269.12 11.9%
Total 17,674.8 1,190.9
1,640.8
4,292.4 7,204.3
65,722.4
136,762.9 100.0%
Parte 2
19. 0.0% 5.0% 10.0% 15.0% 20.0% 25.0%
Ahuacha…
Cabañas
Chalaten…
Cuscatlán
La Libertad
La Paz
La Unión
Morazán
Santa Ana
San…
San Miguel
San…
Sonsonate
Usulután
DISTRIBUCIÓN DE CARTERA POR
DEPARTAMENTO
20.
21. Instituciones
Hasta
6 meses
7-12
meses
13-18
meses
19-24
meses
Más 24
meses
TOTAL
AMC de R.L. de C.V. 1,097 3,245 2,604 2,556 2,583 12,086
ASEI 7,947 2,934 85 13 16 10,995
ASOCIACIÓN EL BÁLSAMO 107 321 64 21 522 1,035
FADEMYPE 206 509 164 141 155 1,175
FINCA 1,591 6,844 1,962 1,576 1,159 13,132
FOMENTA, S.A. DE C.V. 59 982 101 141 24 1,307
FUNDACIÓN CAMPO 5,539 3,714 1,685 1,209 1,851 13,998
FUNSALDE 198 765 276 110 175 1,524
MICRÉDITO 221 378 194 151 172 1,116
OPTIMA, S. A. de C.V. 186 707 261 241 272 1,667
PADECOMSMCREDITO DE R.L
DE C.V.
204 2,591 1,069 924 1,276 6,064
SAC. INTEGRAL, S.A. 1,150 8,717 1,939 2,973 12,352 27,131
TOTAL 18,505 31,707 10,404 10,057 20,557 91,230
20.3% 34.8% 11.4% 11.0% 22.5% 100.0%