Microfinance Division
Support Foundation SSF
TEL +92-22-2102161, +92-22 -2102130, FAX +92-22-2102128 │ www.safcosupport.org │ tufailrajpar77@yahoo.com
Micro Credit Program
Outreach - Performance
Current CED Investors
AS on Nov
2011
Rationale
Prism
Recovery rate
97%
Average Loan size
Rs.13,348
Loan Products
8
97.%
99%
15,234
14,325
8
99%
Rs.16,504
8
8
At Service Charge 20% flat per annum
15,689
7,230
3,421
6,429
811
2,042
Over all Clients Served
10,958,5
Active Clients /Beneficiaries
21,067
Over all Disbursement
1,462 Millions
Outstanding Loan Portfolio
Rs. 202 Million
73.69 Million 11.76 Million
Rs. 10.88 Millions
Number of Field Offices in
sector
22 Branches
22
6
239.01 Million103.57 Million Rs.56 Millions
8
Overall all 221 CED Staff working in 22 Field Offices i.e. Branches and settlements
Financial - Performance
Micro Credit Program
Current Funding Partners of CED
Staff Productivity
Total Number of Credit Officer
92
Clients per Credit Officer
286
Portfolio per Credit Officer
2.77 Million
Financial Indicators
Operation Self Sufficiency Ratio
104%
Financial Self Sufficiency Ratio
92%
Yield on Portfolio
30%
Operating Expensed Ratio
17%
PAR
13.59%
AS on Nov 2011
302%
Jacobad
Operational Area
CED Sector
N
Shikarpur
Ghotki
Larkana
W
Sukkur
89%
4068
595
Penetration in
%
Operational
Penetration
79
Total Villages
89
Operational
Penetration
Total Ucs
Branches
10 15
Village Information
Penetration in
%
4
Tehsils
District
UC Information
15%
Dadu
untapped
Villages in %
Khairpur
Nawabshah
85%
Shahdadpur
R e g i oSanghar
n
Sanghar
Region
Jamshoro
Hyderabad
Mirpurkhas
Umerkot
Karachi
Badin
Thatta
Tharparkar
Innovation – Program Deeping Strategy
Strategy
Settlement
Branch
10 KM
Regular
Branch
Sub-Unit
Branch
700
Radius
Branch Manager
Accounts Officer
Accounts Officer
2-4 Male APO
2-4 Female APO
Almost 70-80 KM
W&W
AO
•High operational cost to reach client
•Lower staff productivity due to remote location from clients
•Client incurred high cost to access branch for disbursement
•and recovery
• Loan approval process is lengthy
•Weak Monitoring as more time needed for operational
process
Driver
Branch Manager
Almost 70-80 KM
W&W
Accounts Officer
Accounts Officer
2-4 Male APO
2-4 Female APO
AO
•High operational cost to reach client
•Lower staff productivity due to remote location from clients
•Client incurred high cost to access branch for disbursement
•and recovery
• Loan approval process is lengthy
•Weak Monitoring as more time needed for operational
process
Driver
Team Leader
CED Sector introduced new system call “ Settlement Branch System”
to address in depth out reach and to address successful
cost effectiveness
Male APO
1.
2.
3.
4.
Shahpurchakar Almost 10 KM •Lower Admin and HR Cost
•High Growth in Expansion OSS
Sinjhoro
•Easy access to branch by the client
Oderolal
•Quality Portfolio Increased
•Staff productivity and efficiency increased
Nasarpur
•Efficient monitoring Quick lending Process
•Improvement in client relationship
Female APO
WW
Branch Manager
1994 Rural Branch
Accounts Officer
Accounts Officer
2-4 Male APO
2-4 Female APO
W&W
AO
•High operational cost to reach client
•Lower staff productivity due to remote location from clients
•Client incurred high cost to access branch for disbursement
•and recovery
• Loan approval process is lengthy
•Weak Monitoring as more time needed for operational
process
Driver
2002-Urban Branch
Team Leader
CED Sector introduced new system call “ Settlement Branch System”
to address in depth out reach and to address successful
cost effectiveness
Male APO
1.
2.
3.
4.
Shahpurchakar Almost 10 KM •Lower Admin and HR Cost
•High Growth in Expansion OSS
Sinjhoro
•Easy access to branch by the client
Oderolal
•Quality Portfolio Increased
•Staff productivity and efficiency increased
Nasarpur
•Efficient monitoring Quick lending Process
•Improvement in client relationship
WW
SAFWCO CED enhanced its settlement Branch
System by introducing sub –unit system
In each settlement
there will be
maximum possible
sub units under 5 KM
radius
Almost 5 KM
•High Growth
•Less Client Drop out
•Easy Access to loan Information
•Improved client satisfaction
Male APO
Female APO
Assistant
Female APO
Palejani
Matiari
Branch
Regular Branch
Operations
Due to bigger radius only horizontal expansion can be achieved , due to this
scattered expansion of clients , admin cost increased rapidly
Palejani
Settlement Branch
Operations
Matiari
Town
Palejani
Sub Unit Operations
Matiari
Town
New Settlement Branches
6,55,84,000
0.11 M 605
0.07 M 403
Sarhari =0.18 m$
Kandiyari
Behrani = 0.11 M$
0.07 M 388
0.05 M 259
0.07 M 388
0.05 M 259
Phulediyoon=0.11M
0.07 M 388
0.05 M 259
Jam Sahib
0.07 M 388
0.05 M 259
Sabu Rahu
0.07 M 388
0.05 M 259
Thanks