cdfa member survey 2011 civil society market harry glavan and ian best policy & research, cdfa
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CDFA member survey 2011
Civil Society market
Harry Glavan and Ian Best Policy & Research, CDFA
CDFI markets served
Micro SMECivil
Society
Consumer Home Imp’t
Business Personal
Civil Society lenders markets served
Civil Society
Enterprise
Personal
Numbers show how many CDFIs serve each of the following markets:
10
83
52
Scotland 8%
N. Ireland3%
Wales 5%
North East 3%
North West 12% Yorkshire
18%
West Midlands 5%
East Midlands 2%
East England 4%
London 17% South East
11%South West 11%
CS loans made by number
392 loans
Scotland 8%
N. Ireland1%
Wales 5%
North East 4%North West
8% Yorkshire 10%
West Midlands 7%
East Midlands 2%
East England 3%
London 19%
South East 11%
South West 20%
CS loans made by value
£146m lent
Loans agreed 2011 and geographic scope
National /countrywide
CS loan portfolio – trend
NO
DA
TA
Portfolio – by CDFI
Nationwide/Countrywide
£503m total
CS loan portfolio – by CDFI
Value of loans disbursed 2011
CS loan applications – trend
£422K
CS loan disbursals – trend
CS disbursals 2011 – by CDFI
Conversion rate – trend applications agreements
Conversion rate 2011 – by CDFIapplications agreements
ND ND ND
CS avg loan size – by CDFI
£1.2mRegional < Multi-regionalNation/countrywide
Delinquencies and write-offs 2011
Performance by CDFI
Cost of credit: APR
Exclusive CS lenders
Loan size vs APR
Exclusive CS lenders
Customer company structure
Loan security
Charge over property/
assets: 61%
Debentures: 18%
Personal guarantee: 1%
No Security:20%
Customer industry
Yield vs APR
Fund size and capital
ND
Fund size and capital
Deployment ratios by CDFI
Self Sufficiency ratios
Operational sustainability
Operational sustainability
£1.6m
Earned income
Capital for on-lending
£40m
Grant revenue for operations
Investment from CITR