Licking the PAR Problem

Gionvanni D. Gabriento Manager, Human Resource & Administration

RURAL BANK OF DIGOS   The bank turned a new leaf in the 90’s:    New Management‐ Increased capitalization,  computerization, opened 3 branches   Business partnerships with Bangko Sentral  ng Pilipinas, Land Bank of the Philippines,  Coconut Industry Investment Fund Finance  Corporation   Entry of the Microenterprise Access to  Banking Services in Mindanao (MABS‐M)  

RURAL BANK OF DIGOS   In the horizon is a brighter 2000’s:     Head Oﬃce & component departments had been   created   Professionalization of the Human Resources and  Administrative Department   Infusion of additional capital   Opened 2 more branches   Received the Regional and National Award from  Land Bank of the Philippines 

Microﬁnance  Products:  Negosyo Palambuon Pundo Padaghanon (NPPP) - short term loan to assist microenterprise operators to expand their business a operations and accumulate their own capital that will, in due time, make them less dependent on borrowed funds. It focuses more on microenterprises that generate regular daily sales and on microenterprise operators who currently depend on loans from informal moneylenders for working capital. KAABAG SA MAG-UUMA (KASAMA) - short term loan that caters to small farmers with household agricultural a activities and sources of income other than the farm , for the purpose of helping them with their financial requirements. A market driven product which identifies and meets clients needs based on character and cash flow.

Support from MABS:   ountless trainings and seminars C  ransportation equipment – motorcycles T  ffice equipment – computers, printers O  ranch visit and technical assistance B  egular product Evaluation R

850,000.00   650,000.00   450,000.00   250,000.00   50,000.00   Dec. 2004  Dec. 2005  Dec. 2006  Dec. 2007  Dec. 2008  PAR > 30 days Php  PAR > 7 days Php 

Performance Dec. Indicators   Dec. 2005 Dec. 2006 Dec. 2007 Dec. 2008 2004 Active Borrowers 1,478 1,296 1,233 1,709 1,580 Loan Portfolio 5,391,896 5,518,089 8,851,910 9,439,937 6,506,900 Field Staff 17 12 11 15 11 Cum. No. of Loans Disbursed 10,865 14,785 18,621 23,897 28,814 Cum. Amount of 88,640,21 Loans Disbursed 8 119,772,970 149,770,043 192,294,151 236,960,171

Licking the PAR Problem

by MABSIV on May 26, 2009

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Licking the PAR Problem — Presentation Transcript