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CFCT Monitoring 3 September 24, 2009

CFCT Monitoring 3 September 24, 2009. Agreements. Agreements. PD Agreements. CBL and CBS Monitoring. Character and Capacity Based Lending (CBL) Loan Application Form Client Rating System Character and Background Investigation (CI/BI) Cash Flow. Color-coded Bookkeeping System (CBS)

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CFCT Monitoring 3 September 24, 2009

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  1. CFCT Monitoring 3 September 24, 2009

  2. Agreements

  3. Agreements

  4. PD Agreements

  5. CBL and CBS Monitoring Character and Capacity Based Lending (CBL) • Loan Application Form • Client Rating System • Character and Background Investigation (CI/BI) • Cash Flow Color-coded Bookkeeping System (CBS) • Subsidiary Ledger • PAR Report • Outreach Report • Repayment Behavior Tracking System

  6. CBL and CBS Monitoring • Thirteen (14) project assistants (PAs) submitted the Character and Capacity Based Lending (CBL) and Color-Coded Bookkeeping System (CBS) assignments • Each PA submitted three (3) folders containing (folder 1) CBL forms including Tekton LAFs, SEDPI LAFs, CIBIs, cash flow forms, and client rating forms; (folder 2) outreach report, PAR report, and subsidiary ledgers; and, (folder 3) repayment behaviour tracking sheets • CFC Tekton has adopted their Tagalog version of SEDPI LAF

  7. Character and Capacity Based Lending

  8. Character and Capacity Based Lending Loan Application Form • Some items left unanswered were the middle initial, age, SLS/center name, loan amount applied for, loan term, last loan amount, business growth, market conditions, receipts shown, rent, utility bills, suppliers, school tuition fees, amount of savings, organizations, spouse’s signature.

  9. Character and Capacity Based Lending Loan Application Form • Some items were left blank instead of answering “n/a” if the item is not applicable or irrelevant to the applicant/client. • The proper way of erasing data was not observed. • Occupation of household member was vaguely described as “self-employed” or “businessman” instead of indicating specific livelihood activity

  10. Character and Capacity Based Lending Loan Application Form • Some descriptions of market conditions do no show supply, demand and competition. • Some descriptions of business growth do not show comparison of past and present status. • Did not indicate contact details of suppliers but answered “cash basis” instead. • There was no probing on some answers, i.e., reason why the receipt was not shown

  11. Character and Capacity-Based Lending Credit and Background Investigation • Was not able to interview suppliers/creditors • Some answers in character assessment inadequately demonstrate client’s reputation in the community, repayment behavior, entrepreneurship, stability and responsibility • Some items were left blank instead of answering “n/a” if the item is not applicable or irrelevant to the applicant/client

  12. Character and Capacity-Based Lending Cashflow • Conversion used was not encircled • Some income sources of household members were not included • Some items under the debt capacity analysis were left blank • Proper way of erasing data was not observed

  13. Character and Capacity Based Lending Client Rating System • Left some items blank instead of writing N/A if not applicable to client • Inaccurate computations

  14. Color-Coded Bookkeeping

  15. Color-Coded Bookkeeping Subsidiary Ledger • Initial transaction has no PA signature and the amount paid was left blank • No balance forwarded • Some items were left blank instead of entering “0” or “-” to indicate none

  16. Color-Coded Bookkeeping PAR Report • Most forms were correctly done • Proper way of erasing data was not observed Outreach Report • New and dropout columns were left blank

  17. Color-Coded Bookkeeping Repayment Behaviour Tracking System • Most forms were done correctly • Outstanding balance of savings was left blank

  18. SEDPI FalineSaño Florence Adviento Raquel Reyes

  19. Maramingsalamatpo!

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