market expansion training september 12-13, 2011 rbap building, intramuros, manila micro pinoy...

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Market Expansion Training September 12-13, 2011 RBAP Building, Intramuros, Manila Micro Pinoy Presentation A. Assumptions B. Results

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Page 1: Market Expansion Training September 12-13, 2011 RBAP Building, Intramuros, Manila Micro Pinoy Presentation A. Assumptions B. Results

Market Expansion TrainingSeptember 12-13, 2011

RBAP Building, Intramuros, Manila

Micro Pinoy Presentation

A. Assumptions

B. Results

Page 2: Market Expansion Training September 12-13, 2011 RBAP Building, Intramuros, Manila Micro Pinoy Presentation A. Assumptions B. Results

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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Page 3: Market Expansion Training September 12-13, 2011 RBAP Building, Intramuros, Manila Micro Pinoy Presentation A. Assumptions B. Results

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

Page 4: Market Expansion Training September 12-13, 2011 RBAP Building, Intramuros, Manila Micro Pinoy Presentation A. Assumptions B. Results

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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Page 5: Market Expansion Training September 12-13, 2011 RBAP Building, Intramuros, Manila Micro Pinoy Presentation A. Assumptions B. Results

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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Page 6: Market Expansion Training September 12-13, 2011 RBAP Building, Intramuros, Manila Micro Pinoy Presentation A. Assumptions B. Results

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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Page 7: Market Expansion Training September 12-13, 2011 RBAP Building, Intramuros, Manila Micro Pinoy Presentation A. Assumptions B. Results

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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Page 8: Market Expansion Training September 12-13, 2011 RBAP Building, Intramuros, Manila Micro Pinoy Presentation A. Assumptions B. Results

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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Page 9: Market Expansion Training September 12-13, 2011 RBAP Building, Intramuros, Manila Micro Pinoy Presentation A. Assumptions B. Results

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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