MCA BAI TUSHUM FINANCIAL FUND - PowerPoint PPT Presentation

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MCA BAI TUSHUM FINANCIAL FUND

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  1. MCABAI TUSHUM FINANCIAL FUND Sustainability in Rural Finance May 2006 www.baitushum.kg

  2. BAI TUSHUM – An Overview • Chartered in October 2000 • Founders – ACDI/VOCA andCARITAS • TA Funding: USAID and SDC • Legal Status: Non-commercialPublic Fund, reregistered as MCA on February 13,2003,certified by National Bank • Three branches and 10 sub-offices www.baitushum.kg

  3. Loan Methodology • Loans to farmers, entrepreneurs and legal entities • Loan size: 250to36,000 dollars • Loan term is 12 - 18 months • Grace period is 6-11 monthsfor agricultural loans. • Market based interest rates www.baitushum.kg

  4. Loan Methodology • Individual lending under collateral • Rural and agricultural group lending ( max $500), solidarity responsibility • Lending group of clients under one immovable property www.baitushum.kg

  5. Challenges in rural lending • Influence of climate conditions • Failure of crops, plague of cattle • Unstable prices on production • Non-liquid collateral • Traditions www.baitushum.kg

  6. Reducing risks in rural lending • Flexible repayment graphic • Fast service • Well documented polices and procedures • Cooperation with rural authorities • Availability of additional income of clients • Diversification portfolio by agricultural products www.baitushum.kg

  7. Performance indicatorsas of on April 1,2006 • Loan outstanding- USD 7,717,000 • Active clients-4,014 • Operational self efficiency-131% • Financial self efficiency -126% • Repayment rate –99.27% • PaR>30 - 0.84% • Leverage ratio- 217% • Portfolio growth 2005- 95% www.baitushum.kg

  8. Growth of loan portfolio and number of clients www.baitushum.kg

  9. Number of disbursed loans www.baitushum.kg

  10. Financing • EBRD • IFC • Blue Orchard • Hivos-Triodos • Frontiers • Local commercial Bank ( hedging scheme) www.baitushum.kg

  11. Transformation& commercialization • December 2005- Microcredit Company was registered ,LLC • Assests&debts transfers • Equity investors • January 2008- MCC will be transform to MFC ( deposits taking), LLC will be transform to JSC www.baitushum.kg

  12. Strategic Objectives • Microfinance Company, deposit taking MFI • New products and services • Equity investment • Geographic outreach www.baitushum.kg