Post on 05-Jan-2016
description
MIS Reports
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Topics
Objectives
Introduction
Importance of management information system
(MIS) in microfinance (MF)
MF Loan Monitoring Reports
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Objectives
At the end of this module, the participants shall be aware of the benefits of having a good MIS for their institution’s microfinance activities.
The participants will be familiar with the various reports used for monitoring MF activities.
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Why is MIS important to microfinance?
The MIS of an institution includes all the systems used for generating the information that guide management in its decisions and actions.
MIS can be seen as a map of the activities that are carried out by the microfinance institutions (MFI).
MIS monitors the operations and provides reports that reflect information which management considers the most significant to track.
All levels of the institutions, from top management and down, as well as funding organizations and regulators, rely on reports produced by the MIS to give an accurate picture of what is happening in the MFI.
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Why is MIS important to microfinance? (cont’d)
Methods, staffing, and even financing are frequently not proving to be critical constraints to growth. Rather, the ability to track status of its portfolio in a timely and accurate manner is often the most pressing need.
In many cases, the difference between success and failure of the lending and savings operations of MFIs can mostly be attributed to the reliability of the systems tracking this information.
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Good information systems can: Improve the work of field staff, enabling them
to better monitor their portfolios and provide better service to an increasing number of clients.
Enable supervisors to better monitor their areas of responsibility, pinpointing priority areas that most require attention.
Help senior management to better plan the work of the entire organization and make well informed strategic decisions by regularly monitoring the health of the institution through a set of well-chosen reports and indicators.
Why is MIS important to microfinance? (cont’d)
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MF Savings and Loan Monitoring Reports
• Listing of Loans • Collection Due Report • Delinquency Report • Portfolio at Risk Report • Interest Collected by Microfinance Unit• Performance Report by AO • Microfinance Monthly Report• Client Status Report • PAR by Aging and Business Activity• PAR by Loans Disbursed and Business Activity• Loan Profile by Gender
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MF Savings and Loan Monitoring Reports
• Listing of Loans • Collection Due Report • Delinquency Report • Portfolio at Risk Report
Indicates loan portfolio data and quality
Indicates revenue,
growth and performance.
Analyzes quality based
on client, business and
characteristics..
• Interest Collected by the MFU• Performance Report by AO • Microfinance Monthly Report• Client Status Report
• PAR by Aging and Business Activity• PAR by Loans Disbursed and
Business Activity• Loans Profile by Gender
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Listing of Loans Report
Lists all active loans
Shows basic information of each active loan (name of borrower, loan acct. #, date of disbursement, maturity date, amount disbursed, loan balance, amortization amount)
Shows loan amount overdue, portfolio at risk, and hold out balance
Identifies what loan cycle the borrower is in
Frequency: Usually monthly, but can be generated anytime
Grouped according to account officers assigned and sorted by names of borrowers
Users: Branch Manager, MFU Supervisor, AO
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Collection Due Report
Lists loan accounts falling due on a specified period
Shows the name of borrowers with amortization due for the period, the amount due (total amount and amount of specific items, including payments for principal, interest, other charges and savings), and the amount overdue.
Frequency: Usually daily or weekly
Grouped according to account officers assigned and sorted by names of borrowers
Enables account officers assigned to identify which accounts are to be collected within the specified period
Users: MFU Supervisor, AOs, Loans Bookkeeper
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Delinquency Report
Lists delinquent accounts as of date of printing
Exception report
Shows portfolio at risk, total amount due, # of loan installments missed, # of days overdue, holdout balance, and exposed amount
Grouped according to account officers assigned and sorted by the names of borrowers
Frequency: Must be daily
Users: Branch Manager, Supervisor, AO, RBAP/MABS
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Portfolio At Risk (PAR) Report
Primary report that indicates the quality of the loan portfolio of the MFU
An aging report that shows the overdue amount and portfolio at risk
Also shows the total number of outstanding borrowers, the corresponding outstanding loan balance and their percentages
Estimates the PAR ratio
Frequency: Must be generated at least once a week, but can be printed anytime
Users: Top Management, Branch Manager, MFU Supervisor, RBAP/MABS
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Interest and Fees Collected from the MFU
Summary of interest and other charges collected within the specified date range, grouped by account officer
Shows the income generated by each AO and the microfinance unit of the branch as a whole
Frequency: Usually at the end of the month, but can be generated anytime
Users: Top Management, Branch Manager, MFU Supervisor
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Performance Report By AO
Shows the performance of each AO and the microfinance unit of the branch as a whole
Comes handy if the bank has an existing incentive scheme
Summarized by (according to) account officer
AO performance indicators include: - # of loans, new and repeat - amount disbursed and revenue generated- overdue amount and portfolio at risk
Frequency : Usually at the end of the month, but can be generated anytime
Users: Top Management, Branch Manager, MFU Supervisor, AOs
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Microfinance Monthly Report
Compares the results of current month’s operations vs. those of previous months
Compares the performance of the microfinance product vs. other products of the branch
Shows comparative figures (loans, deposits, and financial income) between two succeeding periods
Shows all loan accounts with outstanding balance
Frequency : Usually monthly
Users: Top Management, Branch Managers, MF Supervisor, RBAP/MABS
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Client Status Report
• Shows the credit history of the borrower (# of loans availed, loan amounts, # of payments missed, # days late, % of installments paid on time, status of current loan)
• Useful when evaluating an application for a repeat loan, or when determining what action to take against a delinquent borrower
• Divided into two parts- First: shows client’s repayment performance on
previous loans- Second: shows client’s repayment performance on
his/her current loan
• Frequency : As needed
• Users: Branch Manager, Supervisor, AO
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Other PAR Reports
PAR by Age and by Business Activity
• Analyzes repayment performance by type of business or economic activity
• Shows the number of delinquent loans by age and by business activity
• Useful when analyzing patterns or trends in loan delinquency- Is delinquency seen only in certain types of business or,
across all types of business?- Which business type has the most serious delinquency
problem? • Guides the MFU on what sort of business activities to market
to and what businesses to avoid• Frequency : Usually at the end of the month, but can be
generated anytime • Users: Branch Manager, Supervisor, AO
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PAR by Loan Amount and by Business Activity
• Shows the number of delinquent loans by loan size and by type of business
• Determines performance of borrowers by loan size
• Useful when analyzing which business type and what loan amount/cycle appear to have the most serious delinquency problems
• Frequency : Usually at the end of the month, but can be generated anytime
• Users: Manager, Supervisor, AO
Other PAR Reports
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Loan Profile by Gender
• Summarizes profile of borrowers by gender
• Compares repayment performance of men vs. women borrowers
• Determines whether gender is a significant factor in repayment behavior
• Funding sources may want data on the bank’s outreach to women
• Frequency : Usually at the end of the month, but can be generated anytime
• Users: Managers, Supervisors, funding agencies
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Comparison Across Reports
REPORT TITLE # Accounts
O/Balance
Amount O/Due
PAR PAR%
Listing of Loans
Delinquency Report
PAR Report
Interest Collected
MABS Monthly
Performance Report
PAR by Aging
PAR by Loans Disbursed
Loan Profile by Gender
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Comparison Across Reports
Report Title OLP Beg OLP End Total Revenue
Yield%
Listing of Loans
Delinquency Report
PAR Report
Interest Collected
MABS Monthly
Performance Report
PAR by Aging
PAR by Loans Disbursed
Loan Profile by Gender
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Thank You!!!