Designing a Housing Microfinance Loan Product MIS Enhancements & Reports.

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  • Designing a Housing Microfinance Loan ProductMIS Enhancements & Reports

  • OutlineImportance of MISHMF ReportsWorkshop Exercise: What needs to be enhanced on your existing MISSystems Requirements to enhance your MIS

  • As a general rule, he or she who has the most information will have the greatest successes in life DIsrealiUnderstanding MIS

  • Understanding MIS

  • Management Information System (MIS) is a system or process that captures raw data from various activities in an organization, converts the data into usable information and then disseminates this information to users in a required format.MIS provides the information necessary to manage an organization effectively on its day-to-day operations, supervision and control of activities.Information generated by the MIS is considered essential inputs in making prudent and reasonable business decisions.Hence, MIS is very critical as without this, organization would become blind about its operations and activities that leads to disastrous consequences.MIS is NOT (just) a Computer Program.

    Understanding MIS

  • Data versus InformationData is raw and can be collected. It simply exists and has no significance beyond its existence (in and of itself). It can exist in any form, usable or not. It does not have meaning of itself. In computer parlance, a spreadsheet generally starts out by holding data. Example: age, gender, name, list of voters and candidates, or a phrase It is raining.

    Information is data that has been given meaning by way of relational connection, derivation or computation. This "meaning" can be useful, but does not have to be. In computer parlance, a relational database makes information from the data stored within it. Example: number people within an age group, % of females in the population, or the phrase The temperature dropped 5 degrees Celsius and then it started raining.

  • Types of Data/Information

    TYPEDEFINITIONDataInformationQuantitativeCan be represented and expressed in numerical valuesAge, weight# of borrowers# of branchesAverage age, Total # of borrowers# of branches that have delinquent accounts

    QualitativeIs not given, collected or expressed in numerical valuesColorBirth placeGenderNon numerical results of FGDs

  • Effective MISAccurate data must be gathered as close to the primary source of activity as possible.Objective information must be put together in a way that does not introduce any personal/departmental bias or judgmental elements. Just state the facts and leave the judgment to the user of the information.Timely Certain types of information must be generated instantaneously. Other, more analytical information can be generated periodically, say daily, weekly, monthly, quarterly or annually. Ensuring timeliness of information, over and over again, without fail is the hallmark of a great MIS.

    For MIS to be effective, the information must be:

  • Effective MISAn effective MIS process is one that CAPTURES data, CONVERTS data to information and COMMUNICATES the information in the form of reports to specified user categories in an environment that ensures ACCURACY, OBJECTIVITY and TIMELINESS. To use mobile phone-era SMS language, effective MIS is a just a simple mantra: CCC wth AOT!

  • Effective MIS for HMF ProductCapture core banking system must be able to gather, identify, and segregate HMF clients, loan accounts and records.Convert all data gathered and segregated related to HMF and processed it into information that is relevant to the product; its monitoring; and preparatory work for reporting.Communicate via reports. There are reports that must be generated instantaneously. Others, the more analytical information can be generated periodically, say daily, weekly, monthly, quarterly or annually.

  • Effective MIS for HMF Product

    Your core banking system should have a separate product code, data entry or input screen for HMF.The system should accommodate filtering of all HMF clients, records that will be used for calculations. Separate data sets or set of parameters distinctive to the HMF Product i.e. interest rates, terms, amortizations, etcSystem should be able to generate separate reports e.g. Loans Listing, PAR Report, Delinquency Report, etcIt is of great advantage the system can generate separate financial statements for HMF Product

  • Core Banking System

  • Questions:Does your core banking system includes capturing, processing and reporting microfinance operations.Can it accommodate more than 1 microfinance product e.g. regular microenterprise product (MEP), micro-agri product (MAP). If not, how does the bank manage to segregate Once data are inputted to the loan and/or deposit system, do you need to re-input (re-encode) these data in order generate Accounting entries, reportsInformation needed to submit reports to management; externally e.g. BSP, PDIC, creditors, MABS, etcDoes you core banking system capable of consolidating reports (for multi-branch bank)

  • For MABS to assist the bank in their rollout activities, the banks point person for HMF Product or the banks head of microfinance shall continue to report the HMF performance indicators or numbers to MABS.

    MABS expects the bank to submit the HMF reports every 10th of the month.

    HMF REPORTS

  • TYPE OF REPORTSTo be submitted to MABSEvery 10th of the following month (for January; should be submitted by February 10Performance Report by AOPAR ReportAs necessary or requiredDelinquency ReportLoans Listing

  • PERFORMANCE REPORT BY AO 10/04/2000 Rural Bank of xyz Page : 1 01:03:46am Head Office PERFORMANCE REPORT BY ACCOUNT OFFICER 02/01/2006 - 02/28/2006 -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- AMOUNT OF #NEW AMT. NEW #REPEAT AMOUNT REPEAT #OF LOANS #OF LOANS ACCOUNT OFFICER NO. OF LOAN ACCOUNT #LOANS LOANS LOANS LOANS LOAN LOANS W/ OVERDUE W/ OVERDUE PORTFOLIO PORTFOLIO TOTAL REVEN NAME BORROWERS BALANCE DISBURSED DISBURSED DISBURSED DISBURSED DISBURSED DISBURSED AMOUNT AMOUNT(%) AT RISK AT RISK% -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 1. Edgar Allan Poe 99 781,824.25 41 458,400.00 1 7,000.00 40 451,400.00 4 4.04% 27,682.66 3.54% 38,398.28 2. Irah Algorithm 106 647,661.76 34 317,600.00 3 22,200.00 31 295,400.00 2 1.89% 5,999.34 0.93% 30,114.83 3. Siriaco Monton 134 852,662.48 47 480,400.00 2 48,000.00 45 432,400.00 0 0.00% 0.00 0.00% 43,830.72 4. Sylvester Stallone 116 774,537.23 46 420,600.00 2 16,000.00 44 404,600.00 11 9.48% 77,163.15 9.96% 41,366.95 -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Total 455 3,056,685.72 168 1,677,000.00 8 93,200.00 160 1,583,800.00 17 3.74% 110,845.15 3.63% 53,710.78 -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

  • PORTFOLIO AT RISK REPORT

    Sheet1

    No. of BorrowersBusiness Activity as a % of grand total (Sub-total/Grand Total) ( # of Loans)No. of Loans with Overdue AmountNo. of Loans with Overdue Amount %Outstanding Loan PortfolioBusiness Activity as a % of grand total (Sub-total/Grand Total) (Amount of Loans)Portfolio At RiskPortfolio At Risk %

    Production-Rice

    Less than 5,00.01

    5,000.01 to 10,000

    10,000.01 to 25,000

    25,000.01 to 50,000

    50,000.01 to 100,000

    Over 100,000

    Production-Corn

    Less than 5,00.01

    5,000.01 to 10,000

    10,000.01 to 25,000

    25,000.01 to 50,000

    50,000.01 to 100,000

    Over 100,000

    Production-Coconut

    Less than 5,00.01

    5,000.01 to 10,000

    10,000.01 to 25,000

    25,000.01 to 50,000

    50,000.01 to 100,000

    Over 100,000

    Production-Fruits

    Less than 5,00.01

    5,000.01 to 10,000

    10,000.01 to 25,000

    25,000.01 to 50,000

    50,000.01 to 100,000

    Over 100,000

    Sheet2

    Days OverdueNo. of Borrowers% ClientsLoan Amount Overdue% in ArrearsOutstanding BalanceOutstanding Balance %

    Current

    1 - days

    8 - 14 days

    15 - 30 days

    31 - 60 days

    61 - 90 days

    Over 90 days

    Sub-total

    Total

    Sheet3

  • PERFORMANCE REPORT BY AO EXCEL TEMPLATEDEMO

  • The MABS program is implemented by the of the Rural Bankers Association of the Philippines. It receives funding support from the U.S. Agency for International Development with oversight provided by the Office of the President and the Mindanao Economic Development Council. Rural Bankers Association of the Philippines Mindanao Economic Development Council Office of the President of the Philippines U.S. Agency for International Development The general contractor is Chemonics International, Inc. These materials were made possible through the support provided by the U.S. Agency for International Development/Philippines under the terms of contract no. 492-C-00-98-0008-00. The opinions expressed herein are those of the author(s) and do not necessarily reflect the views of the U.S. Agency for International Development.

    PN:For straight payment regular PN that the bank uses in microenterprise lending60/40 payment Use the PN for 60/40 loan

    Disclosure Statement- Use the regular disclosure Statement

    Amortization Schedule:Straight Payment same as MEP60/40 payment Show sample

    VOSAS show sample*

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