National Microfinance Study of Sri Lanka: Survey of Practices and ...

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Local NGOs 1 NGO was identified in the survey. A total of 5 village societies and 1300 members were recorded. Loans A total number of 137 loans were issued in the year 2000. A total sum of SLR 900,000 was disbursed for the same period. An average of SLR 6569.34 per loan can be calculated. Interest rates on loans are 36%. Savings A total number of 1300 savings accounts existed at the end of the year 2000. A total sum of SLR 700,000 was saved. An average savings of SLR 538.46 per account can be calculated. Interest rate on savings are 3%. District Notes The IFAD and (earlier) SIDA funded North Central province Participatory Development Project works in 15 of the 21 divisions in the district and has mobilised 20,929 families into 3,093 small groups and 377 village organisations as of the end of June 2001. This represents approx. 1/3 rd of all families in these divisions. Savings have commenced in all of these groups and currently total SLR 13,800,000. 150 village organisations have received SLR 25,000 each totalling SLR 3,750,000 in RLF funds. Sewa Lanka operates in Anuradhapura but was not forthcoming with adequate information for the survey. The DRC funded component of Sewa Lanka’s loan activity is listed in the main table above. Savings are kept at small group level, but DRC were unable to provide figures on savings activity. SCN funds microfinance activities with Samadheepa Samaja Kendraya who implement programmes in 10 divisions in the district with funds ranging between SLR 30,000 to SLR 50,000 for loans between SLR 2000 to SLR 10,000.
Badulla Microfinance Overview Table 52 Badulla District Microfinance Activity Type of Organisation No of Units No. of Savings A/Cs Total Savings (SLR) No. of Loans Loans in 2000 (SLR) CRBs 84 228,829 419,444,000 46,887 265,168,000 Local NGOs 1 3,612 6,934,567 27,852 12,535,528 RDBs 13 80,000 185,000,000 40,000 260,000,000 Samurdhi 44 76,278,000 11,599 67,279,000 SEEDS 146 35,530 15,118,123 2,026 23,847,453 TCCSs 90 21,032,433 7,861 11,510,722 Total 347,971 723,807,123 136,225 640,340,703 According to the 2001 Census, the total population of the district of Badulla is 774,555. Loans According to the survey, there were 136,225 loans taken in the district during the year 2000. The total value of loans disbursed for the same period is SLR 640,340,703. Excluding NGOs, this equates to an average sum of SLR 5,793.00 per loan. In terms of population, the total number and volume of loans referred to in the table above is the equivalent of one loan per 5.69 people or SLR 826.72 per person in the district for the year 2000. Savings Total savings in 2000 amount to SLR 723807123. A total number of 347,971 savings accounts were identified. Excluding Samurdhi and TCCSs (for whom individual savings figures are not available), and local NGOs, 344,359 savings accounts totalling SLR 619,562,123 give an average of SLR 1,799.18 per individual savings account. In terms of population, the total amount of savings as of the close of the year 2000 is the equivalent of SLR 934.48 per person in the district or one savings accounts per 2.23 people.
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National Microfinance Study of Sri
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(b) Lenders .......................
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Introduction into the pawning busin
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Microfinance Overview .............
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Savings ...........................
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List of Tables Table 1 Microfinance
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Table 70 Ratnapura District Microfi
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JBIC MFI MFN MIS MPCS MSME NCPPDP N
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Figure 1 Map of per Capita Value of
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Figure 3 Map of per Capita Value of
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Executive Summary This report provi
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Practitioner Microfinance Activity
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As a result the banks are moving aw
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The operating conditions of the con
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Donor Strategies There should be a
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Introduction to the Study The objec
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The survey does not claim to repres
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Introduction Socio-Economic Overvie
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These five years saw a spate of new
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The 'Economic Stream' Employment is
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Microfinance Clients and Beneficiar
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1. Funders of Microfinance in Sri L
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CIDA believes that microfinance act
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The Department For International De
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NOVIB Partnerships tend to be long
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HIVOS The HIVOS Desk concentrates o
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Over time SIDA noted that the loan
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Comment freely given from one of th
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the time period of the project, wit
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Only a very small part of the US 50
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The demand for loans from this fund
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Without permanent access to institu
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This broad strategy means that the
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Beneficiary targeting was generally
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The FCSs were developed the followi
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CARE's new strategy commits the org
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Each CBO determines the level of in
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The project’s overall approach re
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Figure 6 GTZ/JRP - Project Interact
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The Social Development Foundation F
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There are no sector-based quotas ap
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Over the past five years SCN has as
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UNDP in the North & East - The Jaff
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In December 2001 a new UNDP Program
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From previous experience and lesson
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World Vision Lanka WVL believes tha
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Membership Development 3500 3000 25
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Table 14 World Vision - Gramashakth
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ZOA works with community groups in
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At the village society and bank lev
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In Wayamba the sustainability of th
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Table 15 Badulla IRDP - Summary Dat
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DZPDP/WHRDA credit operations comme
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In the initial years they did not f
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Table 18 SPRDP- Loans 1993 to 1999
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(c)Lender-Practitioners The Central
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Society members have access to cred
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The RDBs were re-structured in 1998
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Table 25 Value of Loans Disbursed b
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The total savings and credit issued
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Table 29 Samurdhi - Loans by Distri
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In 1998 SEEDS converted to a separa
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Within the loans from SEEDS funds t
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The Arthacharya Foundation practice
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The program was assisted by some li
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However in general the majority of
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Table 33 Growth of MPCS CRBs -1990
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As at the end of December, 2000 a s
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Some 1,176 of the 1,476 Co-operativ
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A total of 74 NGOs were identified
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Finally only a small proportion of
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Table 38 TCCS Active Societies and
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District Unions - National Federati
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4. Facilitators a) National Level F
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International Centre for the Traini
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Funder-Practitioner Microfinance Ac
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As practitioner experience increase
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Introduction and Approach The major
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State-Owned Banks The Bank of Ceylo
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Starting in 1994, the NCRCS is aime
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The Seylan Bank The Seylan Bank ent
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Figure 9 Linking of the RBIP Tools
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People's Fast reduces loan processi
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In addition, RBIP monitors the impl
Page 170 and 171: The Hatton National Bank Case Study
Page 172 and 173: Seylan Bank Case Study The Seylan B
Page 174 and 175: Until 1961 private pawnbrokers were
Page 176 and 177: Bank officials stated that PSC staf
Page 178 and 179: The urban PSCs have on average more
Page 180 and 181: The lack of flexibility has induced
Page 182 and 183: From the borrowers perspective not
Page 184 and 185: The Peoples Bank, on the other hand
Page 186 and 187: Introduction and Approach Internati
Page 188 and 189: Displaced populations are dependent
Page 190 and 191: Large tracts of land have become to
Page 192 and 193: Public markets, shops, guest houses
Page 194 and 195: The previous thriving local economy
Page 196 and 197: The Wanni Access to the area known
Page 198 and 199: Remembering that these intervention
Page 200 and 201: This type of situation is seen thro
Page 202 and 203: People IDPs in welfare centres, sho
Page 204 and 205: World Vision has been working in al
Page 206 and 207: small entrepreneurs have received t
Page 208 and 209: The exception to this is a governme
Page 210 and 211: There has been some continued acces
Page 212 and 213: Introduction and Approach A distric
Page 214 and 215: The MPCSs were equally disrupted an
Page 216 and 217: The main body of the survey is pres
Page 218 and 219: Local NGOs 11 NGOs were identified
Page 222 and 223: Local NGOs 1 NGO was identified in
Page 224 and 225: Local NGOs 2 NGOs were identified i
Page 226 and 227: Local NGOs No NGOs were identified
Page 228 and 229: Gampaha District Microfinance Overv
Page 230 and 231: Hambantota District Microfinance Ov
Page 232 and 233: Jaffna District Microfinance Overvi
Page 234 and 235: Staring in 1998 each DS received SL
Page 244 and 245: Matale District Microfinance Overvi
Page 246 and 247: Matara District Microfinance Overvi
Page 248 and 249: Moneragala District Microfinance Ov
Page 250 and 251: Nuwara Eliya District Microfinance
Page 252 and 253: Polonnaruwa District Microfinance O
Page 254 and 255: Puttalam District Microfinance Over
Page 256 and 257: Ratnapura District Microfinance Ove
Page 258 and 259: Trincomalee District Microfinance O
Page 260 and 261: Vavuniya district Microfinance Over
Page 262 and 263: The Wanni Area Microfinance Overvie
Page 264 and 265: Summary Microfinance Activity by Ac
Page 266 and 267: The NGO questionnaire survey identi
Page 268 and 269: World Vision Lanka works in 5 distr
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Given that these figures do not inc
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Overall, 13 of districts had levels
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Averages Value of Loans Table 78 Av
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Volume and Number of Loans The surv
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Findings The key and main findings
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Service Providers The service provi
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those incapacitated by conflict, wi
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Cultures of Dependency in Microfina
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Strategic Recommendations The key s
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Conclusion The study found that the
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Charitoneko, S. and D de Silva (200
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Remenyi, J (1991). Where Credit is
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Technical Appendix
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