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Comparison of Operational Indicators

&

Implications

Operational Indicators 2007 2011 2012

Portfolio/Staff Member - $ 47,000 $ 33,000

Accounts/Staff Member 274 293 223

Cost/ borrower - $16 $21

Average Loan size $67 $77 $73

Portfolio/staff decreased on account of AP yet better than SE Asia standards

Fall in number of clients serviced by 35%Emergence of other models like BC, Mobile banking , web based lending

New products require impetus

Lessening faith in group model due to increase individualism in the society

Operational analysis indicates tough situation but not a death bell

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Emergence of Medium Sized Players & StrengthsMFI Operational Details

( As on 2011)

Key Strengths

ESAF Key presence in Kerala

POS*- 281 . Borrowers- 3.35

Has strong social sense

Stable customer base

Well capitalised & seasoned women ground

staff

Grameen Koota Key presence in Karnataka

As on POS- 381. Borrowers-3.13

Has strong social sense

Stable customer base

Cautious growth

Sonata Key presence in UP As on POS-.101 Borrowers- 1.32

Seasoned promoterCautious growth

Nascent geography & client base

Satin Key presence in NCR

As on POS- 320. Borrowers-3

Strong lending experience

Well capitalised

Field controls in difficult geography

Ujjivan Key presence in Urban centers

As on POS-700. Borrowers-8.2

Robust control systems

Well capitalisedProduct features relevant to client base

Gram Vidiyal Key presence in Tamil Nadu

As on POS-520. Borrowers-8.2

Client loyalty due to social appeal

*POS figures in INR Cr.

Borrowers figures is in LakhsAll figures above as provided in Sa-adhan site

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New approaches & Business Models

Aarohan which was effected due to liquidity crisis post AP downfall was

amalgamated into Intellicash with active interest ofAviskaar

MIMO finance has been take over by it PE investor and had tried for a sell

off

Financial Institutions like Vistaar & Janalakshmi are emerging as MSMEfunders

Change in PSL guidelines on other assets have thrown new challenges to the

banks, leaving Micro credit as the only viable source to access PSL assets

(direct agri)

Web based lending makes small entry

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