| S |
Self-sufficiency Ratio |
Internally generated income
Total expenses |
| C |
Capital Adequacy |
Capital (equity and debt)
Total assets |
| A |
Asset Quality |
Delinquency rate = |
Principal balance of loans with any missed payment
Total principal balance of all outstanding loans |
| Loan loss rate = |
Annual loan loss
Average balance of all outstanding loans |
| Loan ageings report |
| L |
Liquidity |
Liquid funds (unlent loan capital)
Total assets |
| E |
Earnings quality |
Based on delinquency |
| |
| O |
Outreach |
- # of clients served
- Market penetration
- Characteristics of clients, as appropriate
|
| S |
Service Quality |
- Demand for loans and technical assistance
|
| Unit cost = |
Total costs for a service
Total units (or # of clients) |
| I |
Impact |
- Changes in client incomes
- # of jobs created
- # of businesses formed
- increases in sales
|
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