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

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Matale District Microfinance Overview Table 64 Matale 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 44 128,863 293,380,000 21,175 140,160,000 FORUT 3,110 3,846,994 143 660,000 Local NGOs 2 2,615 2,390,195 2,000 4,546,679 RDBs 44,669 73,469,080 20,204 103,968,000 Samurdhi 40 85,472,000 8,849 65,106,000 SAP 2,225 373,800 15 375,000 SEEDS 125 31,348 18,979,483 10,977 29,478,043 TCCSs 55 37,260,787 2,064 8,050,514 Total 212,830 514,938,339 65,427 352,344,236 According to the 2001 Census, the total population of Matale is 442,427. Loans According to the survey, there were 65,427 loans taken in the district during the year 2000. The total value of loans disbursed for the same period is SLR 352,344,236. Excluding NGOs, this equates to an average sum of SLR 5,483.43 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 6.76 people or SLR 796.39 per person in the district for the year 2000. Savings Total savings in 2000 amount to SLR 514,938,339. A total of 212,830 savings accounts were identified Excluding Samurdhi and TCCSs (for whom individual savings figures are not available), an average of SLR 1,855.48 per individual savings account can be calculated. In terms of population, the total amount of savings as of the close of the year 2000 is the equivalent of SLR 1,163.89 per person in the district or one savings account per 2.08 people.
Local NGOs 2 NGOs were identified in the survey. A total of 48 S&C groups and 785 members were recorded. Loans A total number of 2,000 loans were issued in the year 2000. A total sum of SLR 4,546,679 was disbursed for the same period. An average of SLR 2,273.34 per loan can be calculated. Interest rates charged on loans ranges between 20% and 24%. Savings A total number of 2,615 savings accounts existed by the end of the year 2000. A total sum of SLR 2,390,195 was saved. An average of SLR 914.03 per savings account can be calculated. Interest rates paid on savings ranges between 8% and 12%. District Notes SCN partner with Sithuwama organisation and implement microfinance components in Ambangaga and Palagala divisions. Detailed financial figures are not available. Please see SCN ‘ profile’ in Part A of this report.. The UNDP Civil Society Organisation Project working in this district has 22 active village societies with 989 female members and SLR 606,988 savings invested as of September 2001. 943 loans have been disbursed with a total volume of SLR 3,012,025 for the same period.
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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
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The Hatton National Bank Case Study
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Seylan Bank Case Study The Seylan B
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Until 1961 private pawnbrokers were
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Bank officials stated that PSC staf
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The urban PSCs have on average more
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The lack of flexibility has induced
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From the borrowers perspective not
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The Peoples Bank, on the other hand
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Introduction and Approach Internati
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Displaced populations are dependent
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Large tracts of land have become to
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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 220 and 221: Local NGOs 1 NGO was identified in
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 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
Page 270 and 271: Given that these figures do not inc
Page 272 and 273: Overall, 13 of districts had levels
Page 274 and 275: Averages Value of Loans Table 78 Av
Page 276 and 277: Volume and Number of Loans The surv
Page 278 and 279: Findings The key and main findings
Page 280 and 281: Service Providers The service provi
Page 282 and 283: those incapacitated by conflict, wi
Page 284 and 285: Cultures of Dependency in Microfina
Page 286 and 287: Strategic Recommendations The key s
Page 288 and 289: Conclusion The study found that the
Page 290 and 291: Charitoneko, S. and D de Silva (200
Page 292 and 293: Remenyi, J (1991). Where Credit is
Page 294:
Technical Appendix
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