MABS Microfinance Specialist, Ms. Jennifer Sabianan shares how to use the EAGLE Scorecard to measure the bank's microfinance performance during the 2012 RBAP-MABS National Roundtable Conference on June 7.
In Summary….Pay a_enIon to the following: • Cost eﬃciency – Determine expenses that can be reduced – Book only MF-‐related operaIonal expenses – Increase porMolio by diversifying product – Accuracy of expense data reﬂected in MPM report • Loan oﬃcer producIvity – low producIon means high cost of operaIons • Book adequate loan loss provision following BSP Circ. 409
In Summary….Pay a_enIon to the following: • Write oﬀ, clean out long overdue & uncollecIble accounts • Arrest client drop outs – monitor drop outs and document reasons for leaving your bank WHEN WAS THE LAST TIME YOU HAD A MICROFINANCE OPERATIONS REVIEW IN YOUR BANK?
FINDINGS FROM OPERATIONS REVIEW Check if your bank manifests any of the adverse ﬁndings
ObservaIons on usual areas needing improvement • Lack of monitoring of PAR status due to non-‐ funcIoning MIS. • Loan Supervisors do not have authority to address delinquency issues (no delegaIon of authority). • Inﬂexible products (ﬁxed loan amount, terms, etc.) leave clients no opIons • Poor customer service (long waiIng lines, not enough chairs, unfriendly staﬀ) • No incenIves for borrowers who maintain high savings balance (e.g., lower interest rate, be_er payment terms, etc.)