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

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Averages Value of Loans Table 78 Averages Value of Loans by District District Disbursed Amount Per Person in the District (SLR) No. of Loans by Population (1 Loan per x No of People) Matara 1,699.99 5.51 Kurunegala 1,678.79 6.09 Hambantota 1,336.08 4.77 Polonnaruwa 1,256.90 4.31 Puttalam 1,117.02 4.66 Galle 1,051.12 8.75 Badulla 826.72 5.69 Kandy 824.51 7.93 Matale 796.39 6.76 Kalutara 781.61 13.44 Gampaha 737.13 12.08 Ratnapura 585.98 12.10 Moneragala 536.49 9.88 Vavuniya 519.99 7.89 Anuradhapura 497.83 9.04 Colombo 495.33 16.54 Nuwara Eliya 480.55 14.81 Kegalle 439.90 14.04 Ampara 321.07 14.23 Mannar 80.73 168.42 The Wanni 62.33 90.81 Jaffna 62.22 80.89 Batticaloa 44.55 90.52 Trincomalee 20.99 128.39 Total 767.74 9.55 In terms of population, 2 Districts have averages of more than SLR 9,000 per family. A further 4 Districts have an average of over SLR 5,000 per family. The national average loan amount per family is SLR 4,299.34. Overall, there is clearly a robust supply of access to microfinance credit throughout most of the country.
Summary of National Microfinance Activity Table 79 National Microfinance Activity by District District No. of Savings A/Cs Total Savings (SLR ) No. of Loans in 2000 Loans in 2000 (SLR ) Ampara 100,190 154,113,132 41,414 189,220,834 Anuradhapura 225,517 390,987,684 82,588 371,611,526 Badulla 347,971 723,807,123 136,225 640,340,703 Batticaloa 28,240 10,925,210 5,833 23,524,764 Colombo 467,409 2,372,786,866 135,055 1,106,638,175 Galle 467,448 1,749,367,249 113,152 1,041,173,837 Gampaha 787,877 3,436,595,011 171,064 1,522,987,250 Hambantota 396,216 1,167,003,448 110,028 701,936,914 Jaffna 125,981 250,350,828 5,501 27,690,121 Kalutara 292,429 1,283,404,631 78,945 829,132,154 Kandy 522,409 1,443,116,367 160,515 1,049,154,528 Kegalle 359,726 1,141,851,607 55,546 343,020,848 Kurunegala 1,036,801 3,467,028,011 238,450 2,438,221,075 Mannar 12,898 8,770,980 670 10,333,000 Matale 212,830 514,938,339 65,427 352,344,236 Matara 507,846 1,743,589,075 138,045 1,294,094,524 Moneragala 123,162 258,761,679 40,110 212,543,694 Nuwara Eliya 269,045 578,784,026 47,278 336,428,138 Polonnaruwa 210,438 558,966,279 83,433 451,474,572 Puttalam 354,403 1,074,097,961 151,340 787,880,133 Ratnapura 329,292 1,229,193,248 83,297 590,760,451 Trincomalee 90,742 33,753,172 2,765 7,450,300 Vavuniya 27,175 19,285,344 15,971 65,518,843 The Wanni 17,972 1,5785,123 3,612 20,444,841 Total 7,414,017 23,627,262,393 1,966,354 14,413,925,461
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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
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The previous thriving local economy
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The Wanni Access to the area known
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Remembering that these intervention
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This type of situation is seen thro
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People IDPs in welfare centres, sho
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World Vision has been working in al
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small entrepreneurs have received t
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The exception to this is a governme
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There has been some continued acces
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Introduction and Approach A distric
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The MPCSs were equally disrupted an
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The main body of the survey is pres
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Local NGOs 11 NGOs were identified
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Local NGOs 1 NGO was identified in
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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
Page 270 and 271: Given that these figures do not inc
Page 272 and 273: Overall, 13 of districts had levels
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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