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UFI Organizational Appraisal

UFI Organizational Appraisal. April 21, 2007. Impact Assessment Objectives. Determine the impact of the program to primary stakeholders Identify accomplishments of program objectives against targets

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UFI Organizational Appraisal

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  1. UFI Organizational Appraisal April 21, 2007

  2. Impact Assessment Objectives • Determine the impact of the program to primary stakeholders • Identify accomplishments of program objectives against targets • Assess the balance between financial sustainability and social responsibility of microfinance institutions • Craft recommendations to make the programs more effective and efficient

  3. Sample Size Formula N = NZ2p(1-p) Nd2+Z2p(1-p) Where: • Z = 1.96 (the value of the normal variable for a reliability level of 95%. This means having a 95% reliability in obtaining the sample size • p = .50 (the proportion of getting a good sample) • 1-p =.50 (the proportion of getting a poor sample) • d = .05 (sampling error) • N = population size • n = sample size

  4. Sample Size

  5. Areas of Impact Assessment • Household level • Enterprise Level • Diet and Coping with Difficult Times • Product and Service Delivery • Gender and Violence

  6. Profile of Respondents

  7. Profile of Respondents

  8. Profile of Respondents

  9. Significant Findings • Findings that have significant correlation shall be given focus and emphasis • Pearson’s formula for correlation with a confidence level of 99% and 95% were used • Sample size was determined using 92.5% confidence level

  10. Correlation Coefficient Interpretation 1.00 Perfect positive correlation 0.75 – 0.99 Very high positive correlation 0.50 – 0.74 High positive correlation 0.25 – 0.49 Moderately small positive correlation 0.01 – 0.24 Very small positive correlation 0.00 No correlation -0.25 – -0.01 Very small negative correlation -0.50 – -0.26 Moderately small negative correlation -0.75 – -0.49 High negative correlation -0.99 – -0.74 Very high negative correlation -1.00 Perfect negative correlation Correlation Coefficient

  11. On Correlations • Correlation does not establish cause and effect relationship. • A positive correlation only means that the relationship moves toward the same direction. • A negative correlation means that the relationship moves toward the opposite direction. • A positive or negative correlation does not mean that the correlation is good or bad respectively.

  12. Significant Correlations • No significant correlation for Ugyon Foundation

  13. Diet and Coping with Difficult Times

  14. Enterprise Level

  15. Expenditures from Business Income

  16. Savings and Purchases

  17. Savings

  18. Savings

  19. Client Management Capacity

  20. Gender and Violence

  21. Loan Use: Type of Business

  22. Loan Use: Loan Proceeds

  23. Income Trend

  24. Delinquency and Difficulties • Reasons for delinquency • Decrease in sales • Self or Household Member got sick

  25. Members Like Best

  26. Members Like Least

  27. Product Design

  28. Product Design

  29. Client Exit Interview

  30. Reasons for Resigning

  31. Reasons for Resigning

  32. Repayment Experience and Change in Income

  33. Group Dynamics

  34. The Future

  35. Organizational Assessment • Governance • Information System Evaluation • Capability Needs Assessment for Top Management and Key Management Staff • Organizational Development • Financial Evaluation

  36. Responsibilities of MF BOT • Legal obligations • Relationship between board and executive • Setting policy and providing strategic direction • Fiduciary obligations • Board assessment of its own performance

  37. 8.56 Read FS 7.82 Environmental Scanning 8.19 Leadership 8.55 Mktg/PR 7.91 Rules and Regulations 7.47 Knowledge in MF 7.98 Knowledge in banking 7.83 Analytical skills and decisiveness 8.48 Communication Skills (8.09)

  38. Knowledge and Skills of MF BOT • Business Sense • Microfinance Experience • Finance • Legal and Regulatory • Marketing • Public Relations • Technology • Fundraising

  39. 8.08 Professional work habits/ethics 8.92 Moral ascendancy 8.87 Receptive or open minded 6.60 Visionary 8.40 Honest 9.21 Humble 9.30 Patient 8.88 Dedicated and committed 9.16 Responsible 9.27 God-centered 9.41 Good business sense 8.55 Resourceful and cost-effective 8.55 Initiative/proactive 8.92 Optimistic Behavior (9.09)

  40. Characteristics of Good Information Systems • Timely • Reliable • Accurate • Easy to Use • Appropriately Detailed Reports with just ‘enough’ information • Meet needs of various user categories • Secure • Good internal controls built in • Benefits of having information exceeds investment costs

  41. Capability Needs Assessment

  42. Fundamentals of Microfinance (Ugyon) • Described microfinance as provision of financial services (27%) for the poor (87%) • 67% provision of credit • Benefit of MF – (67%) access to savings, loans and insurance; (20%) improve the quality of live; (20%) job creation; (7%) low interest; (7%) empowerment • Challenges – (33%) client relations and delinquency; (20%) deal with different attitudes of clients; (20%) risks such as hold-up; (13%) client drop-outs; (13%) reach vision and targets; (7%) leadership; (7%) incentives; (7%) not viable products; and (7%) competition • MF Clients – (33%) entrepreneurial poor; (13%) good payer; (7%) women; (7%) poorest of the poor; and (7%) willing to abide with the rules and regulation of the MFI

  43. Product Design (Ugyon) • Market Research • 87% conducted market research • 67% area/community survey; 20% study of clients’ needs; and 20% study for product innovation • 47% market research is done before entering an area • Promotion is through (33%) seminars/CGT and (20%) courtesy call • Character-based lending • 73% familiar with character-based lending; however only 20% adequately described this • Loan analysis done by 3-5 persons; equated with CIBI

  44. DQ Rating System

  45. DQ Rating Scores • Overall – 29 points (Ugyon) Your MFI has adequate systems, policies and procedures to prevent delinquency. Just a little improvement and you already have adequate safeguard to delinquency.

  46. Financial Analysis (Ugyon) • Financial performance description • Very limited ‘elevator’ style of description • 73% was not able to answer the question • Examples of indicators • No one was able to give financial indicators for quality, efficiency, profitability and financial structure • 40% was able to give some standards for portfolio quality but none for the remaining indicators

  47. 47% expressed that there was fraud; 47% said no fraud occurred 100% of those who expressed that there was fraud were able to describe it Over riding the loans Not remitting collections Hold up Juggling Supervisors check their files (100%) 13% daily; 13% weekly and 73% no answer 80% said that internal control was conducted but was unable to provide adequate description of internal control function 67% does collection and bookkeeping at the same time 93% reported that they are covered by cash bond Internal Control (Ugyon)

  48. Remuneration and Incentives (Ugyon)

  49. Organizational Development

  50. Organizational Development (Ugyon) • Vision and Mission • UFI • Helpful and progressive • Challenging and risky • Important in UFI • Relationship between clients and AO • Uniqueness of UFI • Ugyon means “unity / cooperation” • Professionalism of AO – wear right uniform with high heels

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