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Market Expansion TrainingSeptember 12-13, 2011
RBAP Building, Intramuros, Manila
Micro Pinoy Presentation
A. Assumptions
B. Results
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Micro Pinoy Presentation of Assumptions
1. LOANSa. Loan Release - Average initial loan size release is
P 6 K and number of loan releases from 50 to 120 accounts monthly, totaling to 2,220 for 2 years.
b. Client Retention Rate – 90 %
c. Loan Loss Reserve – 2 %
d. Collection Rate - 98 %e. Interest on Loans – 36 %
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Micro Pinoy Presentation of Assumptions
1. LOANS – continuation…
f. Service Fee – 3 % deducted from loan proceeds
g. Penalty on Missed Payment – 1 % per day
h. Credit Insurance - 1 % deducted from loan proceeds
i. Other Fees on Loans - 2 % deducted from loan proceeds
j. Variable Expenses – Transpo P 1,500, Supplies 100/loan
k. Fixed Expenses – Communication P 2 K, Rent P 10 K
l. Gross Receipts Tax – 5 % of Income 3
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Micro Pinoy Presentation of Assumptions
2. MANPOWERa. Workload Indicator per Account Officer – 150 maximum case loan per AO
b. Position and Salaries – 4 personnel to man the MBO1. Account Officer 2 – P 8 K each2. Cashier/Teller – P 7.5 K3. Microfinance Supervisor – P 12.5 K
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Micro Pinoy Presentation of Assumptions3. SAVINGS
a. Compulsory Savings – 1.5 % of loan amount deducted from the loan proceeds.b. Voluntary Savings - P 750 average savings balance per saver with number of new voluntary savers as 80 % of the number of the compulsory savings c. Interest on Deposits - Compulsory 1 %, Voluntary 2 % d. Reserve Assets - Cash in vault 50 % e. Cash in Banks – average interest rate p.a. 2 %
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Micro Pinoy Presentation of Assumptions
4. FIXED ASSETS (Non-grant)a. Number of Units Acquired/ Cost and Useful Life - Description / Number Amount/Item Useful Life1. Vault (1) P 50 K 5 yrs.2. Computer (1) 25 K 3 yrs.3. Table (1) 5 K 5 yrs. 4. Chairs (4) 1.25 K 5 yrs.5. Filing Cabinet (1) 5 K 5 yrs. 6. Motorcycles (2) 35 K 5 yrs.
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Micro Pinoy Presentation of Assumptions
5. CASH FLOWSBorrowings – P 2,510,000 borrowings from the branch from Month 1 to Month 14 based on staggered release and payable for 24 months from released date at 3 % p.a. interest.
NO NEED FOR ANY INPUTS6. INCOME STATEMENTS7. BALANCE SHEETS8. RATIOS
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Micro Pinoy Presentation of Results based on the Assumptions above
A. Break Even in the following, In terms of:
1. Months – 7.5 months 2. Number of Active Borrower – 510 3. Loan Outstanding in Pesos – P 1.8 M4. Loan Disbursed in Number of accounts - 610 B. Positive Cumulative Net Income in 14 months
amounting to P 60 K.
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Micro Pinoy Presentation of Results based on the
Assumptions above …con’t.C. In the end of year 2 - Cumulative Net Income for yr 2
reached to P 1.4 M
D. Ratios1. Cumulative Drop Out rate – 12 %2. # of Active Borrower per Account Officer – 1513. Reserve ratio – 2 %4. Savings to loan ratio – 156 %5. Return of Assets – 20 %
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