The document discusses the importance of analyzing monthly performance reports in microfinance, focusing on key performance indicators, income and expenses, and trends in loan disbursements. It highlights the need for management to review data to identify operational issues and improve compliance and profitability. The emphasis is on using data effectively to make informed decisions and innovations in response to market demands.

1. Session
4:
LISTENING
TO
DATA
Meliza H. Agabin
MABS
2012 RBAP-MABS National Roundtable Conference
June 7-8, 2012
Hyatt Hotel Manila

2. Focus
on
key
ques,ons

3. Tools
at
your
finger,ps

4. What’s
in
a
Monthly
Performance
Report?
Performance
Indicators
Doing
well
or
not?
Income
and
Expense

5. What’s
in
a
Monthly
Performance
Report?
Name of Bank
Consolidated Monthly Performance – Microfinance
December 2010 & December 2011

6. What’s
in
a
Monthly
Performance
Report?
Name of Bank
Consolidated Monthly Performance – Microfinance
December 2010 & December 2011

7. SAMPLE
CHARTS
FOR
BUSY
MANAGERS

8. Trends:
Ac,ve
Borrowers;
PorSolio
GOING
UP?
OR
GOING
DOWN?

9. PaTern:
Loan
Disbursements
Know
when
demand
rises
and
falls.

10. PaTern:
Loan
Disbursements
600
9
Loan Amount (Million Pesos)
500
Number of Loans Disbursed
7
400
5
300
3 200
Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11
Loan Amount (Million Pesos) Number of Loans Disbursed
Adjust product Loan budgets according to demand.

11. TRENDS:
PAR
7
&
30
(in
%)
RISING?
OR
FALLING?

12. TRENDS:
PAR
7,
30,
90
(in
%
&
PhP
M)
• B
PAR
%
declining
But
PAR
amount
increasing

13. Reports
Management
Should
Review
Monthly
• Consolidated
Performance
Monitoring
• By
Product
Report
• By
Branch
• AO
efficiency
Annual
against
standard
EAGLE
Score
Card
• Cost
efficiency
• Growth
rates
YoY
• Performance
Top
3
MIS
report
by
AO
reports
• PAR
Aging
Report
• Delinquency
lis,ng

14. What
the
data
maybe
telling
If
opera,ons
• Time
for
product
are
having
opera,ons
review?
problems
• Time
to
study
the
If
clients
market
again?
are
leaving
• Time
to
introduce
your
bank
innova,ons
or
new
products?
• Need
to
Evaluate-­‐
How
good
compliance
to
or
bad
policies/procedures?
porSolio
quality
is?
• Need
to
review
profitability?

15. Management
role
is
key
to
ensure
Data
submiTed
on
,me
Data
accuracy
Monitoring
Repor,ng
system
con,nue

16. …and
steps
taken
when
data
signal
problems

17. Informa,on
can
tell
us
everything.
It
has
all
the
answers.
But
they
are
answers
to
ques,ons
we
have………….
to
ask.
(With
apologies
to
Jean
Baudrillard)

18. May
tanong?