Tracking Financial Performance Standards of ... - Sa-Dhan

Tracking Financial Performance Standards of Microfinance InstitutionsTable 10- Loan Repayment Schedule with Declining InterestI II III IV V VI VII VIII IX X XI XII XIII XIV XV XVI XVII XVIIIInstl.No.Prin.DueCumPrin.DueInt. Dueas PerScheduleDate DueInt. Dueas perpaymentAmountPaidInt.PaidPrin.PaidDate Paid OD ProcessDateCum Prin.PaidPrin.PrepaidPrin.Outstanding Interest OD Prin. ODAge ofODOD Settled1 100 100 15.00 8/31/2002 15.0 115.00 15.0 100.00 8/31/2002 9/1/2002 100.00 0 900.00 0.00 0.00 0 No OD2 100 200 13.50 9/30/2002 13.5 113.50 13.5 100.00 10/2/2002 10/1/2002 200.00 0 800.00 0.00 0.00 2 Yes3 100 300 12.00 10/31/2002 12.0 112.00 12.0 100.00 11/5/2002 11/1/2002 300.00 0 700.00 0.00 0.00 5 Yes4 100 400 10.50 11/30/2002 10.5 110.50 10.5 100.00 11/25/2002 12/1/2002 400.00 0 600.00 0.00 0.00 0 No OD5 100 500 9.00 12/31/2002 9.0 109.00 9.0 100.00 12/25/2002 1/1/2003 500.00 0 500.00 0.00 0.00 0 No OD6 100 600 7.50 1/31/2003 7.5 107.50 7.5 100.00 2/6/2003 2/1/2003 600.00 0 400.00 0.00 0.00 6 Yes7 100 700 6.00 2/28/2003 6.0 0.00 0.0 0.00 Not Paid 3/1/2003 600.00 0 400.00 6.00 100.00 1 OD Not Paid8 100 800 4.50 3/31/2003 6.0 0.00 0.0 0.00 Not Paid 4/1/2003 600.00 0 400.00 12.00 200.00 32 OD Not Paid9 100 900 3.00 4/30/2003 6.0 0.00 0.0 0.00 Not Paid 5/1/2003 600.00 0 400.00 18.00 300.00 62 OD Not Paid10 100 1000 1.50 5/31/2003 6.0 0.00 0.0 0.00 Not Paid 6/1/2003 600.00 0 400.00 24.00 400.00 93 OD Not PaidTotal 1000 82.50 NA 91.5 667.50 67.5 600.00 600.00 0 400.00Table 11 - Loan Repayment Schedule using EMI MethodInstl.No.I II III IV V VI VII VIII IX X XI XII XIII XIV XV XVI XVII XVIII XIXAmountDuePrin.DueCumPrin.DueInt. Dueas PerScheduleDate DueInt. Dueas perpaymentAmountPaid1 108.43 93.43 93.43 15.00 8/31/2002 15.00 108.43 15.00 93.43 8/31/2002 9/1/2002 93.43 0 906.57 0.00 0.00 0 No OD2 108.43 94.84 188.27 13.60 9/30/2002 13.60 108.43 13.60 94.84 9/30/2002 10/1/2002 188.27 0 811.73 0.00 0.00 0 No OD3 108.43 96.26 284.53 12.18 10/31/2002 12.18 108.43 12.18 96.26 10/31/2002 11/1/2002 284.53 0 715.47 0.00 0.00 0 No OD4 108.43 97.70 382.23 10.73 11/30/2002 10.73 108.43 10.73 97.70 11/30/2002 12/1/2002 382.23 0 617.77 0.00 0.00 0 No OD5 108.43 99.17 481.40 9.27 12/31/2002 9.27 108.43 9.27 99.17 12/31/2002 1/1/2003 481.40 0 518.60 0.00 0.00 0 No OD6 108.43 100.66 582.05 7.78 1/31/2003 7.78 108.43 7.78 100.66 1/31/2003 2/1/2003 582.05 0 417.95 0.00 0.00 0 No OD7 108.43 102.16 684.22 6.27 2/28/2003 6.27 108.43 6.27 102.16 2/28/2003 3/1/2003 684.22 0 315.78 0.00 0.00 0 No OD8 108.43 103.70 787.92 4.74 3/31/2003 4.74 0.00 0.00 0.00 Not Paid 4/1/2003 684.22 0 315.78 4.74 103.70 1 OD Not Paid9 108.43 105.25 893.17 3.18 4/30/2003 4.74 0.00 0.00 0.00 Not Paid 5/1/2003 684.22 0 315.78 9.47 208.95 31 OD Not Paid10 108.43 106.83 1000.00 1.60 5/31/2003 4.74 0.00 0.00 0.00 Not Paid 6/1/2003 684.22 0 315.78 14.21 315.78 62 OD Not PaidTotal1,084.341000.00 84.34 NA 89.03 759.04 74.82 684.22Int.PaidPrin.PaidDate PaidOD ProcessDateCum Prin.PaidPrin.PrepaidPrin.Outstanding Interest OD Prin. ODAge ofODOD Settled56