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MIX and the value of Customized Performance Reporting (CPR). Liz Larson, MABS Roundtable, Manila, Philippines. To support the growth of the microfinance industry through a world-class public information platform. What is the MIX?. OUR MISSION:. The Problem: Overcoming data dearth.

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mix and the value of customized performance reporting cpr

MIX and the value of Customized Performance Reporting (CPR)

Liz Larson, MABS Roundtable, Manila, Philippines

what is the mix
To support the growth of the microfinance industry through a world-class public information platformWhat is the MIX?

OUR MISSION:

the problem overcoming data dearth
The Problem: Overcoming data dearth
  • Limited ability for MFIs and banks to benchmark performance for management diagnostic and business planning
  • New capital cannot connect with second tier MFIs
  • Policy makers have limited picture of areas requiring support

… because …

  • Lack of consistent, reliable data in public domain
  • Private data costly to aggregate on representative scale and coverage for any single actor

Lack of transparency stymies industry growth

mix delivers
MIX delivers
  • The authoritative voice on definitions and selection of core indicators for microfinance data analysis
  • The leader in fundamental MFI data for banks and other institutions
  • An independent source – no other business interest
  • The researcher’s choice for MFI performance benchmarks and global, regional analysis including banks with microfinance operations

Standards

Data

Analysis

Company data – on MFIs, Banks & Investors

MFI performance data – individual and in aggregate

Training – financial & operational reporting

Leadership – performance standards

Through

products microbanking bulletin
Products: MicroBanking Bulletin
  • MicroBanking Bulletin is a global leading publication on the sector
  • Expert author contributions on latest industry topics
  • Industry leading annual / time series MFI performance benchmarks and analysis
products customized mfi performance reports cprs
Products: Customized MFI performance reports, CPRs
  • Performance reports for MFIs, covering:
  • Analysis of trends in performance
  • Comparison to peer institution benchmarks

Diagnostic tools for:

  • Managers
  • Board
  • Stakeholders
products mix market
Products: MIX Market
  • Public profiles:
  • 1,400 MFIs
  • 103 Investors / Donors
  • 184 Market Facilitators

Information:

  • General information and contacts
  • Outreach
  • Financial Performance
  • Audits / Ratings

Tools:

  • Comparative Analysis
  • Trend Analysis
  • Heat Map
asia coverage mix market growth
Asia Coverage: MIX Market Growth

2000 2001 2002 2003 2004 2005 2006 2007

products regional country analysis
Products: Regional/Country analysis
  • Annual surveys of microfinance performance in a region or country, including:
  • Performance analysis
  • Sector development
  • Local performance benchmarks
  • Some latest reports: including Asia 2008 report, Global 100 Benchmarking Report, MCPI report
  • Written, published and disseminated with local partners
working with partners
Working with Partners
  • MIX Partners (examples):
  • Latin America
  • ProDesarrollo
  • REDCAMIF (C. America)
  • COPEME (Peru)
  • RFR (Ecuador)
  • ASOFIN (Bolivia)
  • Africa
  • Ghamfin (Ghana)
  • AEMFI (Ethiopia)
  • Arab States
  • Sanabel
  • E. Europe / C. Asia
  • RMC (Russia)
  • AMFA (Azerbaijan)
  • Asia
  • PMN (Pakistan)
  • M-Cril (India)
  • RBAP (Philippines)
  • MCPI (Philippines)
  • MICRA (East Asia)
how can you use this information
How can you use this information?
  • Understand sector trends
  • Set the context for rural banks
  • Compare your rural bank
asia trends growth
Asia Trends: Growth

Cambodia and Philippines lead portfolio growth in East Asia, with borrowers growing by 32% and 36%.

asia trends funding patterns
Asia Trends: Funding Patterns

As leverage increases in Asian microfinance, countries with savings based funding (incl. Philippines) keep stable funding structure.

asia trends returns
Asia Trends: Returns

Asia returns are stable, with slight increase in returns on equity from higher leverage. Returns on equity in the Philippines are increasing especially in 2007.

asia trends efficiency
Asia Trends: Efficiency

Asian efficiency remains stable, with biggest gains in developing Afghan sector. Indian subcontinent leads through group lending but Philippines is improving.

how can you use this information1
How can you use this information?
  • Understand sector trends
  • Set the context for rural banks
  • Compare your rural bank
rural banks size
Rural Banks: Size

Philippine rural banks are much larger than regional peers with the greatest number of depositors and borrowers.

rural banks deposit funding
Rural Banks: Deposit funding

Rural banks have same leverage as peers, with Philippine Rural Banks having the highest deposit to loan ratio.

how can you use this information2
How can you use this information?
  • Understand sector trends
  • Set the context for rural banks
  • Compare your rural bank
strong returns
Strong returns …

“MIX Super Bank” serves 2x more borrowers than peer rural banks, and earns higher returns. What drives returns?

from high revenues
… from high revenues …

“MIX Super Bank” has much higher (+33%) revenues to cover costs and still maintain strong returns. What drives revenues and costs?

from high yield and allocation
… from high yield and allocation …

“MIX Super Bank” has higher yield, and maximizes its yield through high asset allocation to portfolio. What about costs?

but high costs
… but high costs …

“MIX Super Bank” has higher costs due to higher operating expenses. What drives its higher operating costs?

due to salary structure
… due to salary structure.

“MIX Super Bank” maintains same productivity as peers, but high salary structure raises costs. So, in summary …

summary
Summary

Despite high salary structure, “MIX Super Bank” achieves high returns through strong yield and asset allocation.

benefits to you
Benefits to you
  • Realistic context on the market
  • Benchmarks for peer performance
  • Quick identification of strengths, weaknesses, and drivers of performance
  • Comparable information recognized globally by 1000s of microfinance providers, 100s of investors, and regulators and networks.
  • CPRs are FREE to participating banks!!!
how to participate
How to participate
  • Provide current data to MABS or MCPI
    • Audited financial statements
    • One page questionnaire (outreach, product, portfolio, background of organization)
    • Deadline: August 2009 – [email protected]
  • All benchmarked institutions receive
    • Custom Performance Report
    • Trend Report (with 2-3 years data)
    • Recognition in MicroBanking Bulletin (MBB)
    • Inclusion in analytical reports
    • Profile on MIX Market site for global visibility
slide28

MICROFINANCE INFORMATION EXCHANGE, INC.

The leading provider of business information and data services for the microfinance industry.

THANK YOU!!!

Web: www.themix.org

Email: [email protected]

Headquarters:

1901 Pennsylvania Ave., NW, Suite 307

Washington, D.C. 20006 USA

Other Locations

Lima, Peru ● Dakar, Senegal ● Gurgoan, India ● Jakarta, Indonesia

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