Kashf foundation
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Transcript of Kashf foundation
By– Yumna Khan– Rabail Aisha– Memoona Naz– Shaikh Asadullah
Contents
• Introduction– History– Services– Business type– Main events
• Past Performance Analysis– Customer Growth– Net Income Trend
• Ratio Analysis– Liquidity Ratios– Profitibility Ratios– Financial Leverage Ratios– Efficiency Ratios
• Future Oulook– Upcoming Products– Supporters
• In Case of Default
History • Conception in 1993• Idea implementation in 1996• 2001_ 5 branches _ 5,088 clients_214 centers• 2001-04 _ 68000 clients _30 branches
Services• Kashf Karobar Qarza:• Kashf Ibtida-e-Karobar Qarza• Kashf Aitebar-e-Qarza:• Kashf Zindagi Bima• Kahaf Sehatmand Zindagi Bima:• Kahaf Sehatmand Zindagi Bima:• Systematic Financial Education Trainings:• Awareness and capacity building via Mainstream Media
Business Type• Company registered under Ordinance 1984• Model: ADC Channel (Alternate Delivery) UBL Omni Easy Paisa
Main Events• 2002: Microfinance Excellence Awards By Grameen Foundation USA• 2005:
Tamgha-E-Imtiaz by President of Pakistan to MD Roshaneh AGFUND International Prize for Microcredit
• 2005 & 2006: CGAP Financial Transparency Merit Award• 2008: Ranked 34th among Top 50 MFIs of the World by Forbes • 2010: Global Leadership Awards by Vital Voices for Economic
Empowerment • 2012: Smart Campaign Award for Customer Protection and
Responsible Finance• 2014: Fatima Jinnah Award
Past Performance Analysis
Customer Growth
2003 2004 2005 2006 2007 2008 2009 2010 2011 20120
50,000
100,000
150,000
200,000
250,000
300,000
350,000
Customer Growth
clients
Income Trend
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
-2,000,000,000
-1,500,000,000
-1,000,000,000
-500,000,000
0
500,000,000
1,000,000,000
Net Income
Net Income
Ratio Analysis
• Liquidity Ratios– Current Ratio– Cash Ratio
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.50
1
2
3
4
5
6
7
8
9
10
Current RatioCash Ratio
– Working Capital
Year Working Capital
2010-172085550
2011-493363186
2012552884468
20131966952704
• Profitability Ratios – Return on sales– Gross profit margin– Return on assets– Return on equity
Return on sales
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.5
-10
-5
0
5
10
15
20return on sales
return on sales
Gross Profit Margin
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.5
-0.1
-0.05
0
0.05
0.1
0.15
0.2
Gross profit margin
Gross profit margin
Return on Assets
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.5
-0.02
-0.01
0
0.01
0.02
0.03
0.04Return on assets
Return on assets
Return on equity
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.5
-0.6
-0.4
-0.2
0
0.2
0.4
0.6
0.8
1
1.2
1.4Return on equity
Return on equity
• Financial Leverage Ratios– Total debt ratio– Capitalization ratio– Debt to equity ratio
Total Debt ratio
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.50
0.2
0.4
0.6
0.8
1
1.2total debt ratio
total debt ratio
Capitalization ratio
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.50
0.1
0.2
0.3
0.4
0.5
0.6
0.7
0.8
0.9
1
Capitalization ratio
Capitalization ratio
Debt to equity ratio
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.50
5
10
15
20
25
30
35Debt to Equity Ratio
Debt to Equity Ratio
• Efficiency Ratios
– Cash turnover ratio– Sales to working capital ratio– Total assets turnover ratio
Cash turnover ratio
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.50
0.2
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
Cash Turnover
Cash Turnover
Sales to working capital ratio
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.5
-2
-1.5
-1
-0.5
0
0.5
1
1.5
2
Sales to Working Capital
Sales to Working Capital
Total assets turnover ratio
2009.5 2010 2010.5 2011 2011.5 2012 2012.5 2013 2013.50
0.05
0.1
0.15
0.2
0.25Total Assets Turnover
Total Assets Turnover
Future Outlook
• Upcoming Products
– Kashf School Sarmaya – Sector specific loan– Savings
Kashf Supporters• PPAF: The Pakistan Poverty Alleviation Fund (PPAF) • The Department of Foreign Affairs, Trade and• Development (DFATD)• COCA COLA • Ernst And Young’s• The Stuart Family Foundation• Sosense • Grameen Foundation
• Skoll Foundation• Tides• Women World’s Banking
If Kashf Defaults• Unemployment • Investment downfall• Education downward
THANKS