Credit Rating Grades _ MicroRate │ Microfinance Ratings and Services for Microfinance Institutions , MFIs and MIVs , Microfinance Fund and Microfinance Investment analysis

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  • 7/22/2014 Credit Rating Grades | MicroRate Microfinance Ratings and Services for Microfinance Institutions , MFIs and MIVs , Microfinance Fund and Microfinance Investment analysis

    http://www.microrate.com/mfis/credit-rating/credit-rating-grades 1/2

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    Credit Rating Grades

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    Scale MicroRate rates financial capacity for institutions by emitting an opinion about its

    financial strength and its ability to repay financial obligations.

    A+AA-

    Financial institutions that display High Capacity to pay their obligations according to the terms and conditionsagreed upon. Minimal sensibility to deterioration caused by potential changes in its sector, context, or theinstitution itself.

    B+BB-

    Financial institutions that display Good Capacity to pay their obligations according to the terms and conditionsagreed upon. Low sensibility to deterioration caused by potential changes in its sector, context, or the institutionitself.

    C+CC-

    Financial institutions that display Sufficient Capacity to pay their obligations according to the terms andconditions agreed upon. Moderate sensibility to deterioration caused by potential changes in its sector, context, orthe institution itself.

    D+D

    Financial institutions that display Insufficient Capacity to pay their obligations. High sensibility to deteriorationcaused by potential changes in the sector, context, or the institution itself. High risk of failure to repay its

    Ratings List Products & Services Research Latin America

  • 7/22/2014 Credit Rating Grades | MicroRate Microfinance Ratings and Services for Microfinance Institutions , MFIs and MIVs , Microfinance Fund and Microfinance Investment analysis

    http://www.microrate.com/mfis/credit-rating/credit-rating-grades 2/2

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    caused by potential changes in the sector, context, or the institution itself. High risk of failure to repay itsobligations.

    E Financial institutions with not enough information to be rated and/or Inability to repay its obligations.

    Rated Institutions financial strength gradation

    Positive or negative gradation reflects the strength of the assigned grade. That is, if at least one of the subgrades for the rated areas is above the generalrating, the gradation could be positive. In the same way, if at least one of the subgrades for the evaluated areas is below the general rating, the gradationcould be negative.

    An A+ rating will be assigned if the necessary efforts to exceed the weaknesses of the institution are minimal in comparison with the A rating assigned.Example of problems to be overcome quickly can be the absence of an independent director in the Board, limited internal auditing staff, changes inincentives policy, etc.

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