Bangko Credito Sample Credit Analysis Report

PERSONAL DATA
Name of Applicant:
Residence Address:
Educational Attainment:
Name of Spouse:
Occupation of Spouse:
Educational Attainment:
Number of Dependents:
Name

Age:
Length of stay:
Birthplace:
Age:
Birthplace:
Age

COURT CASES
Court/Location

School

Case No.

CREDIT HISTORY AND REFERENCES
Loan
Source of Loan
Amount

SAVINGS HISTORY
Name/Address of Institution
1.
2.
Total Savings
PROOF OF PAYMENT:
Bills
Water
Electricity

Grade/Year

Plaintiff

Date
Granted

Date Filed

Date
Due

Amount & Frequency
Of Installments

Remarks

Remarks

Status
of Loan

Amount

Documents Supplied

Comments (on time, delinquent payment,etc.)

Telephone
Installment Plan
Mortgage/Rental payments
Loan payments
Others
REAL PROPERTIES OWNED:
Description
Reg. No.

Area

Location

Improvements

TOTAL

Current Value

Remarks

have lease contract? (Y/N) Type of Goods Produced/Merchandise/Services Provided: INVENTORY OF BUSINESS ASSETS & MERCHANDISE INVENTORY Type/Description Quantity Unit Price Total Value Business Assets / Supplies Sub-Total Stock for Resale - Sub-Total Total 2 . permanent Business space: Owned: Rented: If rented. transportation equipment.) Description Date Acquired Acquisition Cost Current Value Outstanding Balance TOTAL MAIN BUSINESS ACTIVITY Type of Business : No.PERSONAL PROPERTIES (Household appliances. farm equipment. of years in the business: Location of Business: Type of shop or stall: None/Temporary At home/permanent In or near the public (check) structure structure market. etc.

How long have you known the applicant? 2. Did you have Any problem collecting from the applicant? If yes. Based on your experience. why? Date of Interview 3 . Are you a relative of the applicant? 3. credit or consignment basis? CASH FLOW ANALYSIS (See attached sheet) RESULTS OF INTERVIEW WITH CREDITORS/SUPPLIERS Supplier/Creditor 1 Supplier/Creditor 2 FOR SUPPLIER/CREDITOR ONLY 1. Receivable Real Properties TOTAL LIABILITIES Personal Assets TOTAL NET WORTH Business Assets TOTAL ASSETS TOTAL LIABILITIES & NET WORTH SALES: Frequency of sales/income from business (daily. is he/she reliable/unreliable borrower? 5. How long have the applicant been purchasing/borrowing from you? 4. weekly or monthly): Gross sales (daily/weekly/monthly) High % of credit sales to total sales: BUSINESS TRENDS: Peak Months : Slow Months: Daily Low Normal Regular Months: WORKING CAPITAL: How often do you buy stocks/raw materials? How much do you normally spend each time? Where do you usually get your stocks? Do you get your stocks on cash.BALANCE SHEET ASSETS Cash on hand Bank Deposits (Credit coop) LIABILITIES AND NETWORTH Loan Payables Other payables Accts.

RESULT OF INTERVIEW WITH CHARACTER REFERENCES Name and Address of Barangay Official (indicate position) and Date of Interview 1. what is it? 4. Occupation. How long has the applicant lived in the community? 3. Do you know if he/she has vices? 6. Is he/she known to be a reliable/unreliable borrower? 8. Is he/she known to borrow loans? 7. Is he/she known to be a reliable/unreliable borrower? 8. Has the applicant been involved in a legal case or dispute? If yes. and Date of Interview 1. How would you assess the character of the applicant? 5. Would you be willing to lend him/her money out of your own pocket? RESULT OF INTERVIEW WITH CHARACTER REFERENCES Name and Address OF CO-MAKER. what is it? 4. How long has the applicant lived in the community? 3. Are you a relative of the applicant 2. Occupation. Would you willing to guarantee for his/her loan? 9. Are you a relative of the applicant 2. Has the applicant been involved in a legal case or dispute? If yes. Has the applicant been involved in a legal case or dispute? If yes. what is it? 4. Do you know if he/she has vices? 6. How long has the applicant lived in the community? 3. How would you assess the character of the applicant? 5. Is he/she known to be a reliable/unreliable borrower? RESULT OF INTERVIEW WITH CHARACTER REFERENCES Name and Address of CO-MAKER. Is he/she known to borrow loans? 7. Is he/she known to borrow loans? 7. Are you a relative of the applicant 2. Would you willing to guarantee for his/her loan? 9. Do you know if he/she has vices? 6. Would you be willing to lend him/her money out of your own pocket? 4 . and Date of Interview 1. How would you assess the character of the applicant? 5.

what is it? 4. Are you a relative of the applicant 2. Is he/she known to borrow loans? 7. Are you a relative of the applicant 2. Has the applicant been involved in a legal case or dispute? If yes. Would you be willing to lend him/her money out of your own pocket? ACCOUNT OFFICER’S OTHER OBSERVATIONS. Is he/she known to be a reliable/unreliable borrower? 8. Occupation. what is it? 4. Would you be willing to lend him/her money out of your own pocket? RESULT OF INTERVIEW WITH CHARACTER REFERENCES Name and Address of NEIGHBOR. Has the applicant been involved in a legal case or dispute? If yes. and Date of Interview 1.RESULT OF INTERVIEW WITH CHARACTER REFERENCES Name and Address of NEIGHBOR. Would you willing to guarantee for his/her loan? 9. How would you assess the character of the applicant? 5. Occupation. Is he/she known to borrow loans? 7. (Date) (Account Officer) 5 . Is he/she known to be a reliable/unreliable borrower? 8. How long has the applicant lived in the community? 3. How would you assess the character of the applicant? 5. Do you know if he/she has vices? 6. How long has the applicant lived in the community? 3. and Date of Interview 1. CONCLUSIONS AND RECOMENDATIONS I hereby certify that all the information stated in the Credit Analysis Report are true and correct and that I shall be held responsible for any misrepresentation. Would you willing to guarantee for his/her loan? 9. Do you know if he/she has vices? 6.

500 1. Midwifery Degree JOSE PENA Mechanic (Gomez Car Repair). delinquent payment.Bangko Credito Sample Credit Analysis Report – Answer Sheet Handout 5 PERSONAL DATA Name of Applicant: Residence Address: Educational Attainment: Name of Spouse: Occupation of Spouse: Educational Attainment: Number of Dependents: Name CHRISTINA MARIA GOMEZ 104 Gonzaga Street. October 05 ORs (# 2456788. September. October 05 ORs (# 3389979. House Area 1. No. San Jose. #2498027. # 2502267) Telephone Global mobile phone bill paid Installment Plan Mortgage/Rental payments Receipt from Tax authorities Loan payments records of loan payments (Bombay) Others REAL PROPERTIES OWNED: Description Reg. Panay Age: Length of stay: San Jose. Total Savings PROOF OF PAYMENT: Bills Documents Supplied Water August.500 Comments (on time.) On-time On-time On-time On-time On-time Improvements Renovated Clinic Room Current Value P200.etc.000 TOTAL P200. # 3378821. San Jose Credit Cooperative (share capital) 2.000 Grade/Year San Jose Elementary School San Jose Elementary School 5 3 Plaintiff N/A Date Granted 8/10/05 Date Filed N/A Date Due Amount & Frequency Of Installments 11/21/05 P100 daily SAVINGS HISTORY Name/Address of Institution 1. NONE NONE CREDIT HISTORY AND REFERENCES Loan Source of Loan Amount Bombay Birthplace: 10.250 ft Location 104 Gonzaga St San Jose. #3395468) Electricity August.000 Remarks Tax docs only 6 . Panay Age: 37 12 years 38 Iloilo City Remarks Applicant’s mother cares for Children after school Remarks N/A Status of Loan Fully paid Amount 1. September. Panay 2nd year college. regular Vocational school graduate Age Maria Anne Pedro COURT CASES Court/Location Barangay records Municipal court Birthplace: School 10 8 Case No.

of years in the business: 3 yrs.515 3.240 71.700 800 bandages 8 110 880 sterile gloves sterile needles desk chairs 50 25 1 2 15 165 Stock for Resale Prenatal vitamins Baby & child vitamins pain medicine earrings baby medicine for teething pregnancy tests injectible contraceptives pill cycles condoms baby vaccines 15 20 12 20 6 10 15 14 50 25 750 4.000 8.500 shelf 1 10800 10. etc.a.700 3. transportation equipment.800 65000 TOTAL 5.) Description Date Acquired Acquisition Cost Current Value Outstanding Balance TV Refrigerator CD player (mini-component) Tricycle Dec-02 Mar-01 Dec-03 Nov-99 15.000 420 2.320 16.250 2.200 Stethoscope Baby scale Thermometers 1 1 2 3500 2700 400 3.500 32500 52000 0 0 0 MAIN BUSINESS ACTIVITY Type of Business : Midwife Clinic No.k.800 4.000 7. mother and child health services.500 2. Location of Business: Home-based Type of shop or stall: None/Temporary At home/permanent In or near the public (check) structure structure X market.000 10.800 Examination Table Medical Tools 1 15 4320 1080 4.250 26.150 3. permanent Business space: Owned: X Rented: If rented. steer-up table) 1 oxygen tank 1 13500 13.805 2700 1620 Sub-Total 210 180 150 200 70 205 150 180 5 250 Sub-Total Total 7 .125 2. family planning INVENTORY OF BUSINESS ASSETS & MERCHANDISE INVENTORY Type/Description Quantity Unit Price Total Value Business Assets / Supplies 25.PERSONAL PROPERTIES (Household appliances.050 2.000 15. have lease contract? (Y/N) Type of Goods Produced/Merchandise/Services Provided: Deliveries of babies.000 7.290 97.000 Birthing bed (a. farm equipment.600 1.520 250 6.

605 SALES: Frequency of sales/income from business (daily. is he/she reliable/unreliable borrower? 5.355 Business Assets 95. How long have the applicant been purchasing/borrowing from you? 4. Slow Months: April-May Regular Months: Rest of year WORKING CAPITAL: How often do you buy stocks/raw materials? Monthly or as-needed How much do you normally spend each time? P15.18. Mercury Drugs. retail pharmacy in town Do you get your stocks on cash.105 TOTAL ASSETS 351.BALANCE SHEET ASSETS Cash on hand 500 Bank Deposits (Credit coop) 1.500 LIABILITIES AND NETWORTH Loan Payables Other payables 0 1. she always pays in cash Yes No.605 TOTAL LIABILITIES & NET WORTH 351. Are you a relative of the applicant? 3.250 Personal Assets 52. she pays in cash 11/25/05 11/25/05 8 .000 TOTAL NET WORTH 350. pharmacist and store manager Over 2 years No 3 years More than 2 years Yes No. credit or consignment basis? Cash CASH FLOW ANALYSIS (See attached sheet) RESULTS OF INTERVIEW WITH CREDITORS/SUPPLIERS FOR SUPPLIER/CREDITOR ONLY 1. How long have you known the applicant? 2.000 % of credit sales to total sales: 5-10% (gives partial On deliveries if family can’t pay it all at once/) credit BUSINESS TRENDS: Peak Months : August – Oct. why? Date of Interview Supplier/Creditor 1 JOSIE PATINA. Wyeth Pharmaceuticals 10 years No Supplier/Creditor 2 REYMUNDO CARLOTTA.250 Accts.000 Low P25.000 .000 Normal P40. Did you have Any problem collecting from the applicant? If yes.000 TOTAL LIABILITIES 1.000 per month Where do you usually get your stocks? Pharmaceutical distributor. Receivable 2. Based on your experience. weekly or monthly): Daily Gross sales (daily/weekly/monthly) High P55.500 0 Real Properties 200.

More than 10 years. and Date of Interview 1.RESULT OF INTERVIEW WITH CHARACTER REFERENCES Name and Address of Barangay Official (indicate position) and PAULA MARIA SANTOS. She always pays back her debts on time Yes Yes NORINA TOLEDO. Do you know if he/she has vices? 6. Would you willing to guarantee for his/her loan? 9. How long has the applicant lived in the community? 3. None Yes. since she is known to be a good and reliable person in the community. Has the applicant been involved in a legal case or dispute? If None that I know of. what is it? 4. How would you assess the character of the applicant? 5. good person and a respected midwife. How would you assess the character of the applicant? 5. Is he/she known to borrow loans? 7. religious. Has the applicant been involved in a legal case or dispute? If yes. Yes Yes 9 . 7. sincere person None Occasionally. for her business She is known to be reliable and trustworthy – a good borrower. Bgy. Would you willing to guarantee for his/her loan? 9. Do you know if he/she has vices? None that I know of. Are you a relative of the applicant No 2. for her business Reliable. Are you a relative of the applicant 2. and Date of Interview 1. Panay Chapter of Midwife Association 11/30/05 No. what is it? 4. How long has the applicant lived in the community? More than 10 years 3. Occupation. Date of Interview San Jose 11/30/05 1. Is he/she known to borrow loans? No. Occupation. Are you a relative of the applicant 2. Do you know if he/she has vices? 6. How long has the applicant lived in the community? 3. nurse. 11/28/05 No. Is he/she known to be a reliable/unreliable borrower? It would seem so. 6. Is he/she known to borrow loans? 7. Is he/she known to be a reliable/unreliable borrower? 8. I think. No She’s a reliable. we have been friends since childhood About 12 years No She’s an honest. RESULT OF INTERVIEW WITH CHARACTER REFERENCES Name and Address of CO-MAKER. what is it? 4. Head. Barangay Secretary. Would you be willing to lend him/her money out of your own pocket? RESULT OF INTERVIEW WITH CHARACTER REFERENCES Name and Address OF CO-MAKER. and get along well with others 5. Has the applicant been involved in a legal case or dispute? If yes. How would you assess the character of the applicant? Both she & her husband are known to be hard-working. Is he/she known to be a reliable/unreliable borrower? 8. Would you be willing to lend him/her money out of your own pocket? CATARINA MEDINA. yes. Poblacion 3. government hospital of San Jose.

Is he/she known to borrow loans? Yes. Has the applicant been involved in a legal case or dispute? If None yes. therefore. Sari-sari shop owner Interview 11/29/05 1. a vibrant business.RESULT OF INTERVIEW WITH CHARACTER REFERENCES Name and Address of NEIGHBOR. eligible to borrow under the bank’s microfinance program. and provides gentle. Mr. How would you assess the character of the applicant? She’s friendly and good natured (mabait) 5. Gomez is fully aware of her wife’s loan application at the bank. Gomez possesses a good moral character. Are you a relative of the applicant No 2. Is he/she known to borrow loans? Sometimes. Do you know if he/she has vices? None 6. the undersigned respectfully recommends the approval of a P40. and had fully repaid her last loan with the Bombay. 3. How long has the applicant lived in the community? Matagal na. Is he/she known to be a reliable/unreliable borrower? Yes 8. She borrows from a Bombay. They prefer to borrow from the bank because of its much lower interest. 2007 (Date) TERESA TENNARIO (Account Officer) 10 . This record shows that Mrs. How long has the applicant lived in the community? More than 10 years 3. How would you assess the character of the applicant? Mabait. CONCLUSIONS AND RECOMENDATIONS Mrs. Occupation. I hereby certify that all the information stated in the Credit Investigation Report are true and correct and that I shall be held responsible for any misrepresentation. Clients claimed that Ms. 7. keeps her clinic clean and well-stocked. and is. December 1. He claimed that they need additional capital for expanding their products offered and replacing old equipment. good services to them and their babies. housewife Interview 11/30/05 1. From a Bombay. The undersigned observed that at the time his visit. Would you willing to guarantee for his/her loan? Yes 9. what is it? No 4. Has the applicant been involved in a legal case or dispute? If yes. More than 10 years already. Masipag. a good credit record. payable within three months. and Date of JOSEPH CASTANZA. and is fully supportive of her wife’s plan to borrow form the bank. Are you a relative of the applicant No 2. 5. Would you be willing to lend him/her money out of your own Yes pocket? ACCOUNT OFFICER’S OTHER OBSERVATIONS. in weekly installments. Based on the information presented in this report. Gomez has a friendly manner. Would you willing to guarantee for his/her loan? Yes 9. Gomez. Gomez keeps a record of her loan payments in a notebook. 7. She delivered my second baby for me. the undersigned believes that Mrs. Is he/she known to be a reliable/unreliable borrower? Yes 8. what is it? 4. Would you be willing to lend him/her money out of your own Yes pocket? RESULT OF INTERVIEW WITH CHARACTER REFERENCES Name and Address of NEIGHBOR. Gomez indeed pays her daily installment payments regularly. the midwife clinic had many clients. and Date of ERLINDA CORRABA. Do you know if he/she has vices? None 6.000 loan to Mrs. Occupation. Based on an analysis of the applicant’s cash flow.