Designing a Housing Microfinance
Loan Product
MIS Enhancements & Reports
Outline
• Importance of MIS
• HMF Reports
• Workshop Exercise:
– What needs to be enhanced on your existing MIS
– Systems Requirements to enhance your MIS
Understanding MIS
“As a general rule, he or she
who has the most information
will have the greatest
successes in life”
D’Isreali
Understanding MIS
Understanding MIS
• Management Information System (MIS) is a system or process
that captures raw data from various activities in an
organization, converts the data into usable information and
then disseminates this information to users in a required
format.
• MIS provides the information necessary to manage an
organization effectively on its day-to-day operations,
supervision and control of activities.
• Information generated by the MIS is considered essential
inputs in making prudent and reasonable business decisions.
• Hence, MIS is very critical as without this, organization would
become blind about its operations and activities that leads to
disastrous consequences.
• MIS is NOT (just) a Computer Program.
Effective MIS
For MIS to be effective, the information must be:
• Accurate – data must be gathered as close to the primary
source of activity as possible.
• Objective – information must be put together in a way that
does not introduce any personal/departmental bias or
judgmental elements. Just state the facts and leave the
judgment to the user of the information.
• Timely – Certain types of information must be generated
instantaneously. Other, more analytical information can be generated
periodically, say daily, weekly, monthly, quarterly or annually. Ensuring
timeliness of information, over and over again, without fail is the hallmark
of a great MIS.
Effective MIS
An effective MIS process is one that CAPTURES data, CONVERTS data to
information and COMMUNICATES the information in the form of reports to
specified user categories in an environment that ensures ACCURACY,
OBJECTIVITY and TIMELINESS. To use mobile phone-era SMS language, effective
MIS is a just a simple mantra: ‘CCC wth AOT’!
Effective MIS for HMF Product
• Your core banking system should have a separate product
code, data entry or input screen for HMF.
• The system should accommodate filtering of all HMF clients,
records that will be used for calculations. Separate data sets or
set of parameters distinctive to the HMF Product i.e. interest
rates, terms, amortizations, etc…
• System should be able to generate separate reports e.g. Loans
Listing, PAR Report, Delinquency Report, etc…
– It is of great advantage the system can generate separate
financial statements for HMF Product
Core Banking System
Bank
GM Bank
RB Angeles
RB Gattaran
RB Mabitac
First Macro
Bangko
Mabuhay
Name
Version
Customizable
Questions:
• Does your core banking system includes capturing, processing
and reporting microfinance operations.
• Can it accommodate more than 1 microfinance product e.g.
regular microenterprise product (MEP), micro-agri product
(MAP). If not, how does the bank manage to segregate
• Once data are inputted to the loan and/or deposit system, do
you need to re-input (re-encode) these data in order generate
– Accounting entries, reports
– Information needed to submit reports to management;
externally e.g. BSP, PDIC, creditors, MABS, etc…
• Does you core banking system capable of consolidating reports
(for multi-branch bank)
HMF REPORTS
• For MABS to assist the bank in their rollout activities, the
bank’s point person for HMF Product or the bank’s head of
microfinance shall continue to report the HMF performance
indicators or numbers to MABS.
• MABS expects the bank to submit the HMF reports every 10th
of the month.
TYPE OF REPORTS
To be submitted to MABS
• Every 10th of the following month (for January; should be
submitted by February 10
– Performance Report by AO
– PAR Report
• As necessary or required
– Delinquency Report
– Loans Listing
PERFORMANCE REPORT BY AO
10/04/2000
01:03:46am
Rural Bank of xyz
Page : 1
Head Office
PERFORMANCE REPORT BY ACCOUNT OFFICER
02/01/2006 - 02/28/2006
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------AMOUNT OF
#NEW
AMT. NEW
#REPEAT
AMOUNT REPEAT #OF LOANS
#OF LOANS
ACCOUNT OFFICER
NO. OF
LOAN ACCOUNT #LOANS
LOANS
LOANS
LOANS
LOAN
LOANS
W/ OVERDUE W/ OVERDUE
PORTFOLIO
PORTFOLIO TOTAL REVEN
NAME
BORROWERS
BALANCE
DISBURSED
DISBURSED
DISBURSED
DISBURSED
DISBURSED
DISBURSED
AMOUNT
AMOUNT(%)
AT RISK
AT RISK%
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------1. Edgar Allan Poe
99
781,824.25
41
458,400.00
1
7,000.00
40
451,400.00
4
4.04%
27,682.66
3.54%
38,398.28
2. Irah Algorithm
106
647,661.76
34
317,600.00
3
22,200.00
31
295,400.00
2
1.89%
5,999.34
0.93%
30,114.83
3. Siriaco Monton
134
852,662.48
47
480,400.00
2
48,000.00
45
432,400.00
0
0.00%
0.00
0.00%
43,830.72
4. Sylvester Stallone
116
774,537.23
46
420,600.00
2
16,000.00
44
404,600.00
11
9.48%
77,163.15
9.96%
41,366.95
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Total
455
3,056,685.72
168
1,677,000.00
8
93,200.00
160
1,583,800.00
17
3.74%
110,845.15
3.63%
53,710.78
-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
PORTFOLIO AT RISK REPORT
PERFORMANCE REPORT BY AO
EXCEL TEMPLATE
DEMO
The MABS program is implemented by the of the Rural Bankers Association of the Philippines. It
receives funding support from the U.S. Agency for International Development with oversight provided by
the Office of the President and the Mindanao Economic Development Council.
Rural Bankers Association of the Philippines
Mindanao Economic
Development Council
Office of the President
of the Philippines
U.S. Agency for International Development
The general contractor is Chemonics International, Inc.
These materials were made possible through the support provided by the U.S. Agency for International
Development/Philippines under the terms of contract no. 492-C-00-98-0008-00. The opinions expressed herein are those of
the author(s) and do not necessarily reflect the views of the U.S. Agency for International Development.