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

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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
Constructing Loan Repayment Schedule Aging Schedule and Loan Portfolio Report for an MFITable 12 - Summary Format of Repayment ScheduleI II III IV V VI VII VIII IX X XI XII XIIISl. No Loan DisbursedNo ofInstallmentsCurrentInstallmentDue perInstallmentCumulative DueSo FarCumulative PaidOn-Time So FarCumul ativePaid as OverdueSo FarCumul ativePaid So FarCumul ativeOverdue orArrearsCumul ativePrepaymentsCumul ativePrin.OutstandingCumulative Prin.Outstanding forOD Loans1 20,000 10 9 2,000 18,000 15,000 3,000 18,000 0 0 2,000 02 30,000 10 7 3,000 21,000 20,000 3,000 23,000 0 2,000 7,000 03 45,000 10 9 4,500 40,500 32,000 10,000 42,000 0 1,500 3,000 04 2,00,000 10 10 20,000 2,00,000 2,00,000 0 2,00,000 0 0 0 05 20,000 10 4 2,000 8,000 8,000 3,000 11,000 0 3,000 9,000 06 4,00,000 10 1 40,000 40,000 39,000 700 39,700 300 0 3,60,300 3,60,3007 20,000 10 4 2,000 8,000 2,000 6,000 8,000 0 0 12,000 08 30,000 10 4 3,000 12,000 12,000 0 12,000 0 0 18,000 09 20,000 10 4 2,000 8,000 8,000 0 8,000 0 0 12,000 010 20,000 10 6 2,000 12,000 12,000 0 12,000 0 0 8,000 011 20,000 10 5 2,000 10,000 2,000 7,000 9,000 1,000 0 11,000 11,00012 20,000 10 2 2,000 4,000 2,000 3,000 5,000 0 1,000 15,000 013 2,50,000 10 0 25,000 0 0 0 0 0 0 2,50,000 014 2,50,000 10 0 25,000 0 0 0 0 0 0 2,50,000 0Total/Avg 1,345,000 11.67 NA NA 381,500 352,000 35,700 3,87,700 1,300 7,500 9,57,300 3,71,30057
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TECHNICAL TOOL SERIES 1TRACKING FIN
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INTRODUCTION TOMICROFINANCE STANDAR
Page 6 and 7: 5. PERFORMANCE STANDARDS - CONCEPT,
Page 8 and 9: ACKNOWLEDGMENTSThe need of the oper
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Tracking Financial Performance Stan
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TermStatement of Profit and LossStr
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REFERENCESBarrel, Margaret, Michael
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