Beruflich Dokumente
Kultur Dokumente
S no
NAME
ROLL NUMBER
Sandeep Mukherjee
59
Suparna Prasad
64
K A Sivadas
26
U P Mohanan
65
Lalzahawma
29
Alok Bhayana
05
MCRIL REPORT
M-CRIL hasreleaseda report on the the Indian Microfinance Sector which
presents an analysis of the performance of Indian MFIs in the newly
regulated environment that is emerging in response to the crisis since
October 2010 in this sub-sector of the Indian financial services industry.
The full review can be downloaded at the link below :
M-CRIL Microfinance Review 2012 -MFIs in a Regulated Environment PDF
FINANCIAL PROFILE
Rating parameters
Financial Performance
Funding
Asset Liability Management
Solvency
MIS
OPERATIONS
RESPONSIBLE PRACTICES
Rating parameters
Client Protection
Responsible Performance
MICROFINANCE ENVIRONMENT
Rating parameters
Political, economic and
financial context
Legal and regulatory
environment
Competitive environment
MICROFINANCE ENVIRONMENT
The competitive landscape is changing much
more rapidly than that of the traditional
banking sector in most countries.
The existing competitive environment is
assessed as part of a Microfinance Institutional
Rating, as well as the potential changes that
could
affect
the
microfinance
landscape
(changes in regulation, downscaling programs
of banks, subsidized programs supported by
donors or the government, etc.).
Analysis of :
-Financial performance
- Funding
- Asset and Liability Management
- Solvency
- Credit Risk
- Risk Management
- Strategy
COMPARABILITY
MFI Ratings and Credit
creditworthiness of an MFI.
Ratings
both
provide
info
on
the
COMMON ELEMENTS
- Client Protection
(internal & external)
- Alignment of
governance & decisionmaking with stated goals
Identification
of targets
Due diligence
Credit decision
Moniitoring
Potential role of
rating
Enhanced due
diligence on
weaknesses
identified by
ratings
Second opinion
to balance
investment
officers opinion
Enhance or
substitute
monitoring visits
Expected
benefits for MF
Asset Managers
Decreased cost
of monitoring
CLASSI DEFINITION
FICATIO
N
MCRIL
MICROFINA
NZA RATING
MICRORA
TE
PLANET
RATING
Excellen
t
Excellent
performance
Low or wellmanaged shortmedium term risk
a+
a
AAA
AA
A
A+
a
A++
A+
A
A-
Good
Good performance
Modest or wellmanaged shortmedium term risk
aB+
BBB
BB
AB+
B++
B+
B
B-
Fair
Fair performance
Moderate to
medium-high risk
B
B-
B
CCC
B
B-
C++
C+
C
C-
Weak
Weak or poor
Y+
CC
Y+
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