Sl.
No. |
|
Poor=1 |
Fair=2 |
Good=3 |
Excellent=4 |
weight
assigned
( WT) |
Score = Grade point
obtained x wt |
| 1.0 |
Viability of Microcredit
borrowers |
|
|
|
|
|
|
| |
(i) Drop out Rate (To be monitored on annual
basis) |
More than 10% |
8-10% |
5-7.99% |
Less than 5% |
|
|
| (ii) Classified loan as a percentage of total
loan outstanding |
15%+ |
14% to 11% |
10% to 8% |
Less than 8% |
|
|
(iii) Savings Rate (Actual savings as a percentage of expected
savings) |
Less than 85% |
86-95% |
96-98% |
More than 98% |
|
|
(iv) Coping capacity in crisis
|
With out selling or mortgaging assets, can
not cope with crisis / do not have access to credit |
Do not sell or mortgage asset but needs to
borrow to cope with crisis |
Need external help but do not require to borrow/
sell or mortgage assets |
Do not need outside help |
|
|
| (v) Functional literacy rate |
Less than 70% |
70%-80% |
81%-90% |
91%+ |
|
|
| |
Total |
|
|
Sl.
No. |
|
Poor=1 |
Fair=2 |
Good=3 |
Excellent=4 |
weight
assigned
( WT) |
Score
= Grade point obtained
x wt |
| 2.0 |
Institutional Viability |
|
|
|
|
|
|
| 2.1 |
Program Placement
|
|
|
|
|
|
|
| (i) Presence of other MFIs in the operational
area of a branch. (in case of multi-branch organization, No.
of MFIs per branch area) |
4 or more MFI |
3 MFI |
2 MFI |
1 or less |
|
|
(ii) Road Density
|
Poor |
Fair |
Good |
Excellent |
|
|
| (iii) availability of banking service |
Takes more than an hour to reach the bank |
Takes 31-45 minutes to reach the Bank |
Takes 15-30 minutes to reach the Bank |
Takes less than 15 minutes to reach the Bank |
|
|
| (iv) Distance between office and samity in
terms of time and financial cost |
Less than 80% samities are within the
reach of 1 hour Journey |
80-89% samities are within the reach
of 1 hour Journey |
90-95% samities are within the reach
of 1 hour Journey |
96+ samities are within the reach of 1 hour
Journey |
|
|
| (vii) Sparsity of Samities (Samity/Village) |
Less than 2 |
2 |
2.1 to 2.5 |
More than 2.5 |
|
|
| |
Total |
|
|
Sl.
No. |
|
Poor=1 |
Fair=2 |
Good=3 |
Excellent=4 |
weight
assigned
( WT) |
Score
= Grade point obtained x wt |
| 2.2 |
Program Implementation |
|
|
|
|
|
|
| (A) |
Group management |
|
|
|
|
|
|
| (a) |
Members from target people as a % of total
group members |
Less than 80% |
80%-85% |
86%-94% |
95% and above |
|
|
| (b) |
Group cohesiveness
(i) % of members present in group meeting
(ii) % of regular savings depositors
|
Less than 75%
Less than 75%
|
76%-85%
76%-85% |
86%-95%
86%-95%
|
96% and above
96% and above
|
|
|
| (c) |
Effectiveness of group pressure to recover
loan from irregular borrowers. (% of increase in amount of classified
loan outstanding.)/(% of increase in total loan outstanding
for the last 3 months). |
Above 50% |
0 to 50% |
-1% to –74% |
(-75%) to (–100%) |
|
|
| (d) |
% of members with adequate knowledge regarding
loan receiving and repayment procedures |
Less than 80% |
80%-89% |
90%-99% |
100% |
|
|
| (e) |
% of samity with well institutionalized procedure
of leadership succession. |
Less than 70% |
71%-85% |
86%-95% |
96% |
|
|
| (f) |
Average size of samity (Total members/Total
No. of samity) |
Less than 20 or more than 30 members |
20-25 members |
26-29 members |
30 members |
|
|
| |
Total |
|
|
| |
| |
|
|
|
|
|
|
|
| (B) |
Loan disbursement and recovery system |
|
|
|
|
|
|
| |
(i) loan proposal is made |
Not on the basis of group resolution |
---- |
-- |
On the basis of group resolution |
|
|
| |
(ii) Analysis of performance of samity before
the approval of loans |
Is not done |
-- |
-- |
Is done |
|
|
| |
(iii) Openness of transaction |
Transactions are made with individuals in absence
of all the group members |
-- |
-- |
All the transactions are made in the group
meeting |
|
|
| |
(iv) On time loan disbursement |
Unable to make on time loan disbursement |
-- |
-- |
Able to make on time loan disbursement |
|
|
| |
(v) Loan recovery system |
Non-poor friendly loan repayment system |
-- |
-- |
Poor friendly(Small frequent installments with
supervised recovery system) |
|
|
| |
Total |
|
|
| |
| (C) |
Level of skills of Field Workers
(FW) |
|
|
|
|
|
|
| |
i) Academic qualification |
All FWs did not pass HSC |
-- |
-- |
All FWs passed HSC exam or above. |
|
|
| ii) Proper documentation of collection
sheet/pass book/ group register / SLedger by FW |
Less than 100% |
-- |
-- |
100% |
|
|
| iii)Ability to inspire group members
(Regular borrowers as a % of total borrowers) |
Less than 90% |
90%-94% |
95%-99% |
100% |
|
|
| iv) % of total FWs with adequate knowledge
about the essentials of *MCP |
Less than 80% |
80-90% |
91-99% |
100% |
|
|
| v) % of workers with previous involvement in
non-microcredit programmes (eg. Family planning programme) |
More than 20% |
10-20% |
5-10% |
Less than 5% |
|
|
| |
Total |
|
|
| |
|
|
| (D) |
Efficiency of Accountant |
|
|
|
|
|
|
| |
(i) Academic qualification |
Under graduate |
-- |
Post Graduate |
Post graduate with a professional degree |
|
|
| (ii) On time entry for every transaction |
More than one week delay |
Delay of 3 to 7 day |
Delay of 1 to 2 day |
On time entry |
|
|
| (iii) Ability to formulate budget |
Not able |
-- |
Able to formulate budget with adequate knowledge
of efficent fund allocation in order to achieve organizational
goal |
Able to formulate budget with adequate knowledge
of efficent fund allocation in order to achieve organizational
goal using computer facilities. |
|
|
| (iv) Knowledge in accrual basis
of accounting |
Not knowledgeable |
Knowledgeable |
Knowledgeable |
Knowledgeable |
|
|
| (vii) Ability to prepare required
financial statements (Trial Balance, , Income Statement, Balance
Sheet, Cash Flow Statment, Bank Reconciliation Statment etc.)
independently |
Not able |
-- |
Able to prepare TB, CFS, BRC, income statement
(IS) and Balance sheet independently. |
Able to prepare TB, CFS, BRS, income statement
(IS) and Balance sheet independently using computerized system. |
|
|
| |
Total |
|
|
