1. Overall State of Microfinance in South Asia i. Microfinance Highlights ii. Sustainability and Portfolio at Risk...
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1 SAFiNews State of Financial Inclusion in South Asia A bi-annual update on the latest microfinance trends in South Asian. Issue II: January June 2015 South Asia icro-entrepreneurs Network (SAN)
2 Content 1. Overall State of icrofinance in South Asia... 2 i. icrofinance Highlights... 2 ii. Sustainability and Portfolio at Risk icrocredit Provision icro-savings Provision icro-insurance Provision Glossary Country-wise Outreach a. Afghanistan b. Bangladesh c. India d. Pakistan Reporting Institutions
3 Overall State of icrofinance in South Asia icrofinance Highlights: Country Number of Branches Number of Staff icro-credit icro-savings icro-insurance Fixed obile Active Borrowers Gross Loan Portfolio (USD Active Savers Value of Savings (USD Policy Holders Afghanistan 159-2, Sum Insured (USD Bangladesh 18, , , , ,027 India*** 10,109-80, , , Nepal* Pakistan 2, , Sri Lanka** 863-3, Total 31, , , , ,640 * Complete Data for Nepal is not available ** icro-savings and icro-insurance data not available for Sri Lanka ***FIN data pertains to only Reserve Bank of India (RBI) regulated FIs accounting for over 90% of the microfinance business in India [excluding Self-help Group (SHGs)] Sustainability and Portfolio at Risk (PAR): Country Sustainability* Portfolio at Risk > 30 days (%)* Number of Institutes with OSS > 100% *Data from Nepal and Sri Lanka not included Total Reporting Institutions % of Sustainable Institutions Afghanistan Bangladesh India Pakistan Sri Lanka Total During the first half of 2015, icrocredit outreach in South Asia crossed the mark of 65 million active borrowers with the Gross Loan Portfolio (GLP) of USD 13.4 billion. India has the largest record of million active borrowers with GLP equalling USD 6, million. Bangladesh remains to the second number with an increase of 3 million borrowers along with total GLP of USD 5,540 million. On the other hand, icrofinance in other South Asian countries also contributed a considerable increase in number of borrowers and GLP. The overall PAR (>30 days) has declined to 0.97% as compared to 1.63% observed in
4 In terms of icro-savings, the total number of depositors touched million with the value of savings equals to USD 3, million. Bangladesh remained on top by contributing 36 million depositors with the value of savings amounted to USD 3,027 million whereas Pakistan observed an increase of 5.88 million icro-savers. icro-insurance figures for the region exhibited a notable increase of million policy holders in the first half of 2015 by reaching 69.5 million policy holders and the sum insured was USD Billion. Like in icrocredit, India remains the largest contributor towards icro-insurance with policy holders and value of sum insured is USD 11, million. 3
5 ICROCREDIT PROVISION Number of Active Borrowers: The number of individuals who currently have an outstanding loan balance with financial institution(s) or are primarily responsible for repaying any portion of the gross loan portfolio. Active Borrowers = Current Borrowers - loans written off Gross Loan Portfolio: All outstanding principals due for all outstanding client loans. This includes current, delinquent, and renegotiated loans, but not loans that have been written off. GLP = Loans disbursed loans recovered write-offs Portfolio at Risk > 30 days: Represents the portion of loan(s) greater than 30 days past due (as a percentage of total loan portfolio), including the value of all renegotiated loans. PAR > 30 days = Outstanding portfolio over due 30 days / Current portfolio outstanding Number of Active Borrowers Gross Loan Portfolio (USD Total Group 1 Individual 2 ale Urban 3 Rural 4 Agriculture Livestock/P oultry Trade 5a Services 5b anufactur ing/produc tion 5c Housing 5d Others 5e Afghanistan Bangladesh ,540 India , Nepal Pakistan Sri Lanka *Livestock is included in agriculture 4
6 Active Borrowers (million) Active Borrowers per Country 2.8 m 3.51 m m m 28 m Afghanistan Bangladesh India Nepal Pakistan Sri Lanka Active Borrowers by Lending ethodology Afghanistan Bangladesh India Pakistan Group Individual 5
7 Active Borrowers ( Active Borrowers ( Active Borrowers by Gender Afghanistan Bangladesh India Pakistan Sri Lanka ale Active Borrowers by Area Afghanistan Bangladesh India Pakistan 2.04 Urban Rural 6
8 Active Borrowers ( Active Borrowers by Sector Afghanistan Bangladesh Pakistan Gross Loan Portfolio per Country m m m 6, m 5,540 m Value (USD Afghanistan Bangladesh India Pakistan Sri Lanka 7
9 Gross Loan Portfolio (USD Gross Loan Portfolio (USD Gross Loan Portfolio by ethodology 7, , , ,540 5, , , , , Afghanistan Bangladesh India Pakistan Group Individual Gross Loan Portfolio by Gender 7, , , , ,709 4, , , , Afghanistan Bangladesh India Pakistan ale 8
10 Value (USD Number of Loans Disbursed per Country m 2.23 m 0.05 m 27 m Afghanistan Bangladesh India Pakistan Disbursements per Country , , Afghanistan Bangladesh India Pakistan 9
11 PAR > 30 days (%) Portfolio at Risk > 30 days per Country Afghanistan Bangladesh India Pakistan 10
12 ICRO-SAVINGS PROVISION Number of Active Savers: The number of individuals who currently have funds saved with the FP. This number applies only to savings/deposits held by the FP, not those savings or deposits held in other institutions by the FP s clients. Value of savings: The total value of funds placed in an account with the FP that are payable to a saver/depositor. Country Number of Active Savers* Value of Savings (USD illions)* Total ale Rural Urban Intermediation obilized Total ale Afghanistan Bangladesh , ,754 Pakistan Total *Data from India, Nepal & Sri Lanka is not included , , Active Savers per Country 36 m 0.34 m 14.4 m Afghanistan Pakistan Bangladesh 11
13 Active Savers (illions) Active Savers (illions) Active Savers by Gender Afghanistan Bangladesh Pakistan ale Active Savers by Area Rural Urban Afghanistan Bangladesh Pakistan 12
14 Value (USD illions) Value of Savings per Country m m 3,027 m Value (USD illions) Afghanistan Bangladesh Pakistan Value of Savings by Gender , Afghanistan Bangladesh Pakistan ale 13
15 ICRO-INSURANCE PROVISION Number of Policy Holders: The number of individuals currently covered by an insurance policy. Individuals who are availing multiple insurance products should be counted as a single client. Sum Insured: The total amount of compensation guaranteed by the insurance company for current policy holders. Number of Policy Holders* Sum Insured (USD illions)* Bangladesh ,027 India , Pakistan Total ,640 *Data from Afghanistan, Nepal & Sri Lanka is not included Policy Holders per Country m 4.25 m 27.4 m Bangladesh India Pakistan 14
16 Policy Holders (illions) Policy Holders (illions) Policy Holders by Gender Bangladesh India Pakistan 1.97 ale Policy Holders by Area Urban Rural Bangladesh India 15
17 Value (USD illions) Policy Holders (illions) Policy Holders by Sector Health Agriculture/Livestock Credit Life Other Bangladesh Pakistan Sum Insured per Country 12,000 11, ,000 8,000 6,000 4,000 3,027 2, Bangladesh India Pakistan 16
18 Value (USD illions) Sum Insured by Gender 12,000 11, ,000 8,000 6,000 4,000 2,815 2, Bangladesh India Pakistan ale 17
19 GLOSSARY 1. Group ethodology: Group lending refers to the use of groups for disbursement of funds and collection of repayment on loans to either the group as a whole or to the individual members of that group. Borrowers of such groups often bear joint liability for the repayment of all loans to the group and its members. 2. Individual ethodology: A lending systems where loans are made to individuals, and any guarantee or collateral required comes from that individual. Loans based on consideration of the sole borrower, but disbursed through and recollected from group mechanisms, are still considered individual loans for this standard. 3. Urban: As defined by the Government of the respective country. 4. Rural areas include all those areas which are not urban. 5. Sector: 5a. Trade [General Store, Fruit (stall hawkers)] 5b. Services (Plumbing, mechanic, rickshaw) 5c. anufacturing/production (Cloth, carpet weaving, crafts, shoe production etc.) 5d. Housing (renovation, construction) 5e. Others (emergency, education) 6. Intermediated: Public deposits used to finance an organization s loan portfolio. Only regulated FPs (i.e. FBs) can accept and intermediate deposits from the general public. 7. obilized: FPs not regulated by the Central Bank or regulatory authority (FIs, RSPs) can neither hold, nor intermediate deposits from the general public. These organizations do however mobilize savings from their clients to place with licensed commercial banks. 8. Type of Insurance: 8a. Health (Hospitalization, Accidental Death etc.) 8b. Life (Insurance that covers the balance of an outstanding loan in case of the borrower's death) 8c. Other (Education etc.) 9. Fixed Office: Physical structures other than Head Office, i.e. regional office, branch office, sub-branch or settlement office, service centres. 10. obile Office: A fully functional branch on vehicle. 18
20 OUTREACH (Country Level) Afghanistan - Outreach icrocredit Provision: By ethodology By Gender By Area By Sector Total Group 1 Individual 2 ale Urban 3 Rural 4 Agriculture Livestock /Poultry Trade 5a Services 5b anufacturing /Production 5c Housing 5d Others 5e Active Borrowers Gross Loan Portfolio (USD Number of Loans Disbursed Loan Amount Disbursed (USD PAR > 30 days (%) 2 icro Savings Provision icro-savings Number of Active Savers Value of Savings (USD Total ale Rural Urban Intermediated 6 obilized
21 Bangladesh - Outreach icrocredit Provision: By ethodology By Gender By Area By Sector Total Group 1 Individual 2 ale Urban 3 Rural 4 Agriculture Livestock /Poultry Trade 5a Services 5b anufacturing /Production 5c Housing 5d Others 5e Active Borrowers Gross Loan Portfolio (USD Number of Loans Disbursed Loan Amount Disbursed (USD 5, ,70 4-5, , , PAR > 30 days (%) 0.3 icro Savings Provision: icro-savings Number of Active Savers Value of Savings (USD Total ale Rural Urban Intermediated 6 obilized , , icro Insurance Provision: Number of Policy Holders Sum Insured (USD icro-insurance Total ale Urban Rural Health Agriculture /Livestock Credit Life Property Other , ,
22 India - Outreach icrocredit Provision: By ethodology By Gender By Area By Sector Total Group 1 Individual 2 ale Urban 3 Rural 4 Agriculture Livestock /Poultry Trade 5a Services 5b anufacturing /Production 5c Housing 5d Others 5e Active Borrowers Gross Loan Portfolio (USD 6, , Number of Loans Disbursed Loan Amount Disbursed (USD 5, , PAR > 30 days (%) 0.28 icro Insurance Provision: Number of Policy Holders Sum Insured (USD icro-insurance Total ale Urban Rural Health , , Agriculture/ Livestock Credit Life Property Other
23 Pakistan - Outreach icrocredit Provision: By ethodology By Gender By Urban /Rural By Sector Total Group 1 Individual 2 ale Urban 3 Rural 4 Agriculture Livestock /Poultry Trade 5a Services 5b anufacturing /Production 5c Housing 5d Others 5e Active Borrowers Gross Loan Portfolio (USD Number of Loans Disbursed Loan Amount Disbursed (USD PAR > 30 days (%) 1.3 icro Savings Provision: icro-savings Total ale Rural Urban Intermediated 6 obilized 7 Number of Active Savers Value of Savings (USD icro Insurance Provision: Number of Policy Holders Sum Insured (USD icro-insurance Total ale Urban Rural Health Agriculture/ Livestock Credit Life Property Other
24 REPORTING INSTITUTIONS Country Afghanistan Institution Afghanistan icrofinance Association (AA) Reporting Period January June, 2015 Bangladesh Credit and Development Forum (CDF) India icrofinance Institutions Network (FIN) Pakistan Pakistan icrofinance Network (PN) Sri Lanka Lanka icrofinance Practitioners Association (LFPA) 23
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