fundings. v definition of credit and savings modalities by profile guarantee (individual –...
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Fundings
v
Definition of credit and savings modalities by profile
Guarantee(individual – material guarant, mortgage, collective…)
Interest rate
Repayment period
Loan type(farmer, breeder, artisan…)
Add a characteristic
Risks
All the characteristics
All the risks
Add a risk
Gender (M,F)
Avg amount ($) 240Avg duration (m)
12Rate (%) 23
Modalités épargne
Savings Obligatory
Mini amount( $/mois) 10Rmrtn rate (%) 1
Characteristics
ProfilesAll the profiles
Add a profile
Credit ModalitiesAll branches
Savings Modalities
Branches implantation
Edit a new map
All branches
Modify
v
Modification of the modalities of a branch-profile
AmountDurationRate
Amount 210Duration 12Rate 21
Amount 240Duration 12Rate 23
Amount 300Duration 14Rate 18
Amount 220Duration 12Rate 23
200 12 21
200 12 17
Modify
Modalités crédits
ProfilesAll the profiles
Add a profile
Credit ModalitiesBranch Data
Branch:
vAll the characteristics
Guarantee(individual – material guarant, mortgage, collective…)
Interest rate
Repayment period
Loan type(farmer, breeder, artisan…)
Add a characteristic
All the risks
Gender
Visualization of the modalities
Modalités épargne
200 12 21
200 12 17
CompulsatoryMini: 10 $/monthRemuneration : 1%
Characteristics
ProfilesAll the profiles
Add a profile
Credit ModalitiesAll branches
Savings Modalities
Branches implantation
All branches
Modify
AmountDurationRate
Characteristics
Portfolio: credits and savings (4/5)
Portfolio: credits and savings (4/5)
Portfolio: credits and savings (4/5)
17
Modify
Credit ModalitiesBranch Data
Branch:
Amount Duration Rate Amount Duration Rate Amount Duration Rate Amount Duration Rate Amount Duration Rate
Portfolio: credits and savings (4/5)
Modalités épargne
ObligatoireMini: 12 $/moisRémunération : 1%
CompulsatoryMini: 10 $/monthRemuneration : 1%
Credit ModalitiesAll branches
Savings ModalitiesAll branches
Modify
AmountDurationRate
v
Visualization of the contributions – by
Profil
Antenne
Antenne Profi
l
profilebranch
Branches implantation RisksAll the risks
Add a risk
ProfilesAll the profiles
Add a profile
Balance
Branch
Profile
Profile
Branch
Branch
Profile
v
Définition of an ivestor’s terms
Type
Amount
Currency
Date of the 1st repayment
Duration ofRepayment
Frecuency ofrepayment $/
Type of rate
Type of debt
Covenants
Funding Modalities
Private Institutiona
l100 000
$
01/02/09
50
2 000 mois
Fix8,6%
Senior
mois
Investor : InvestMicro Switzerland
Funding Data
Branches implantation RisksAll the risks
Add a risk
ProfilesAll the profiles
Add a profileModif
y
v
Addition of other investors
Branches implantation RisksAll the risks
Add a risk
Example:
Exterior funding(4/5)
v
Visualization of the contributions by currency
€ Devise
Branches implantation RisksAll the risks
Add a risk
ProfilesAll the profiles
Add a profile
v
Global visualization of the fundings
€
Devise
Antenne
ProfilesAll the profiles
Add a profile
Laws and RegulationsGrowth
Natural Disaster
RisksAll the risks
Add a risk
External Fraud
Competition
Internal Control
Key person
Informatic failure
Drought
Earthquake
Risques liés aux financements/investissements: Volatilité des différentes devises Augmentation du taux d’intérêt variable Non respect des clauses des prêteurs entraînant un remboursement
anticipé Tous ces risques ont un impact sur le financement de l’IMF, et
potentiellement (en deuxième lieu) sur le portefeuille de l’IMF
Les risques sur le portefeuille sont déjà définis, ceux sur les financements/investissements sont calculés en fonction de l’échéancier.
Etude des risques impactant le financement
