Total Equity / Loan Portfolio (CA1) Increase

Capital Adequacy
Leverage (CA2) Reduce

Write off percentage (AQ1) Reduce

Asset Quality
Portfolio at Risk > 30 days (AQ2) Reduce

Operational Self sufficiency (MQ1) Increase

Operational Expense / Loan portfolio (MQ2) Reduce

Management Quality
Number of Active Borrowers (MQ3) Increase

Average Loan Balance per Borrower / GNI per Capita (MQ4) Increase

Return on Equity (ES1) Increase

Earnings Strength Return on Assets (ES2) Increase

Profit Margin (ES3) Increase

Growth Total Assets / Growth Loan Portfolio (L1) Increase

Liquidity
Growth Total Equity / Growth Loan Portfolio (L2) Increase

SECTION 3 : OUTREACH OF THE INSTITUTION

3.0) what was the total number of borrowers in:2010 2011 2012 2013Total3.1)Please tick your client
group:Client groupFarmersPetty tradersArtisans (carpenters, mansion, carvesetc.)Salaried workers
such as teacher and nurses,drivers.Others

SECTION 4 : QUESTIONS ON OVERALL FINANCIAL PERFORMANCE

4.0) What factors affect your financial performance?

Score the following on a scale of 1-10

i) Government regulation e.g interest caps [ ]

ii) Inflation rates [ ]
iii) Increase in lending rates from the banks [ ]
iv) Staff quality [ ]
v) Lack of donor fund [ ]
vi) Others
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leverage ratio, liquidity ratio, company size, Management competence index and company growth
rate