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This
service is for those MFIs that have reasonably good quality systems
in place and are performing well. We undertake periodic reviews (monthly or quarterly) of key
statistics and ratios and the major strategic decisions of the MFI.
Interrelationship between the ratios and statistics as well
as those between strategy, management systems and overall
performance are analysed in great detail. These numbers are also
benchmarked against industry standards for comparison.
Some of the key ratios and the trends that are used are as follows.
1. Trends in growth over the years, across
branches and regions.
2.
Trends in portfolio quality across the years and across the
branches.
3. Staff efficiency across branches as
well as regions, interrelationship between efficiency, portfolio
quality, operating expenses and profitability.
4. Trends in cost of funds and sources
of funds.
Through
an interactive process, the results of business analytics are used
for the purpose of improving strategies, systems and operations of
the MFI.
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