MicroView Report 26ama.org.af/wp-content/uploads/2019/11/MicroView-Report... · 2019-11-14 · FMFB...
11
MICROVIEW 26 Funded By:
Transcript of MicroView Report 26ama.org.af/wp-content/uploads/2019/11/MicroView-Report... · 2019-11-14 · FMFB...
MICROVIEW 26
Funded By:
Afghanistan Microfinance Association (AMA) is the national network of development finance Institutions in Afghanistan. AMA aims at promoting a sustainable development finance sector in Afghanistan through sector coordination and networking, knowledge management, lobbying and advocacy, and capacity building.
OVERVIEW
KEY INDICATORS MICRO CREDIT MICRO SAVINGS
01 02 03 08
INDICATORS - MICRO CREDIT
MICROFINANCE OUTREACH
11 13
Contents00
OVERVIEW
Quarter on Quarter Comparison
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Year on Year Comparison
The report indicates both posi�ve and nega�ve trends in this
quarter. The Number of Ac�ve Clients increased by 3.3%.
FINCA Afghanistan, OXUS Afghanistan, Mutahid DFI, and FMFB
Afghanistan remained opera�onally self-sufficient.
A total of 32,076 loans were disbursed showing decreased of 7%
compared to the 2nd quarter of 2019. Kandahar, Helmand, and
Herat are the provinces with highest PAR of 70%, 46.8%, and 22%
respec�vely.
OXUS Afghanistan is the ins�tu�on with posi�ve growth rate of
1.7% respec�vely in terms of GLP, and Mutahid with 1.7% in
terms of number of borrowers.
Quarter Change
Quarter Change
KEY INDICATORS
All Development Finance Providers - As of September 2019
Micro
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The nega�ve growth in certain indicators as shown in red in above
Year on Year comparison table, is due to closure of the
Afghanistan Rural Enterprise Development Program (AREDP) of
the Ministry of Rural Rehabilita�on and Development (MRRD).
Details were provided in earlier issue of the MicroView report 22.
Col um n1 Q ua rte r Col um n2 Cha ng e Col um n3
2019-Q3 2019-Q2 Unit %
Number of Clients 427,771 413,847 13,924 3.36%
Number of Active Savers 192,754 255,105 -62,351 -24.44%
Number of Active Borrowers 153,230 157,793 -4,563 -2.89%
Amount of Savings (AFN) 3,008,599,192 3,024,976,317 -16,377,125 -0.54%
Gross Loan Portfolio (AFN) 9,688,701,579 10,349,620,583 -660,919,003 -6.39%
PAR>30 days 8.4% 8.1% 0.3%
Average Loan Size (AFN) 63,230 65,590 -2,360 -3.60%
Gross Loan Portfolio Per Loan Officer (AFN) 8,210,764 8,490,255 -279,491 -3.29%
Number of Borrowers Per Loan Officer 130 129 0 0.32%
Number of Clients Per MF Staff 159 154 5 3.52%
Operationally Self-Sustainable Institutions 4 3
Col um n1 Q ua rte r Col um n2 Cha ng e Col um n3
2019-Q3 2018-Q3 Unit %
Number of Clients 427,771 394,747 33,024 8.37%
Number of Active Savers 192,754 241,108 -48,354 -20.05%
Number of Active Borrowers 153,230 158,700 -5,470 -3.45%
Amount of Savings (AFN) 3,008,599,192 2,704,275,349 304,323,843 11.25%
Gross Loan Portfolio (AFN) 9,688,701,579 10,617,413,356 -928,711,777 -8.75%
PAR>30 days 8.4% 6.2% 2.3%
Average Loan Size (AFN) 63,230 66,902 -3,673 -5.49%
Gross Loan Portfolio Per Loan Officer (AFN) 8,210,764 8,982,583 -771,819 -8.59%
Number of Borrowers Per Loan Officer 130 134 -4 -3.28%
Number of Clients Per MF Staff 159 149 10 7.03%
Operationally Self-Sustainable Institutions 4 5
Quarter on Quarter Comparison
Top 10 Provinces by Number of Active Borrowers Top 10 Provinces by Gross Loan Portfolio (AFN)
Summary of Micro Credit (All Afghanistan)
MICRO CREDIT
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Tota l G roup Individua l Male F em ale
Number of Active Borrowers
2019-Q3 153,230 36,371 116,859 97,896 55,439
2019-Q2 157,793 36,031 121,762 101,929 55,969
Gross Loan Portfolio (AFN)
2019-Q3 9,688,701,579 894,357,104 8,794,344,476 7,765,068,018 1,923,633,561
2019-Q2 10,349,620,583 909,182,624 9,440,437,959 8,875,398,496 1,973,108,537
Portfolio At Risk > 30 days
2019-Q3 817,466,963
2019-Q2 837,144,517
Average Loan Size (AFN)
2019-Q3 63,230 24,590 75,256 79,320 34,698
2019-Q2 65,590 25,233 77,532 87,074 35,254
Number of Loans Disbursed
2019-Q3 32,076 8,618 23,458 17,568 14,508
2019-Q2 34,401 9,098 25,303 19,151 15,250
2019-Q3 2,269,144,044 374,878,000 1,894,266,044 1,636,538,687 632,605,357
2019-Q2 2,390,297,990 403,979,800 1,986,318,190 1,720,231,778 670,066,212
Number of Branches
2019-Q3 146
2019-Q2 146
Loan Amount Disbursed (AFN)
Provi nce 2019- Q 3 G rowth
Kabul 49,999 0.30%
Balkh 28,416 -3.22%
Badakhshan 14,239 -3.68%
Jowzjan 8,461 -2.83%
Faryab 7,611 -4.18%
Baghlan 7,053 -6.63%
Herat 6,755 -9.33%
Takhar 6,208 -10.56%
Parwan 5,299 -0.34%
Bamyan 4,657 -2.63%
Provi nce 2019- Q 3 G rowth
Kabul 3,556,994,417 -3.13%
Balkh 1,786,009,227 -10.21%
Herat 801,151,289 -16.45%
Badakhshan 633,469,441 -12.21%
Baghlan 456,991,258 -17.97%
Jowzjan 413,104,278 -8.11%
Faryab 371,671,090 -14.03%
Bamyan 335,684,423 -6.47%
Parwan 260,471,341 -4.05%
Saripul 253,291,903 -24.14%
6.2%6.8% 6.8%
8.1% 8.4%
Q3-2018 Q4-2018 Q1-2019 Q2-2019 Q3-2019
Portfolio At Risk > 30 days
100 104 102 98
56 55 56 55
-
40
80
120
160
200
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Number of Active Borrowersby Gender
Male Female
Tho
usa
nd
s8,340 8,680 8,875 7,765
2,134 2,000 1,973 1,924
-
4,000
8,000
12,000
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Gross Loan Portfolio
by Gender
Male Female
Mill
ion
s
Year on Year Comparison
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5
83 84 87 79
38 36 35 35
-
40
80
120
160
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Gross Loan Portfolio / Borrower
by Gender
Male Female
Tho
usa
nd
s
34 35 36 36
122 124 122 117
-
50
100
150
200
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Number of Active Borrowers
by Lending Methodology
Group Individual
Tho
usa
nd
s
877 886 909 894
9,597 9,795 9,440 8,794
-
4,000
8,000
12,000
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Gross Loan Portfolio
by Lending Methodology
Group Individual
Mill
ion
s
26 25 25 25
79 79 78 75
-
40
80
120
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Gross Loan Portfolio / Borrower
by Lending Methodology
Group Individual
Tho
usa
nd
s
111 115 115 112
45 44 43 41
-
50
100
150
200
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Number of Active Borrowers
by Urban/Rural
Urban Rural
Tho
usa
nd
s
7,918 8,103 7,929 7,492
2,556 2,578 2,920 2,196
-
4,000
8,000
12,000
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Gross Loan Portfolio
by Urban/Rural
Urban Rural
Mill
ion
s
67
31
45
10
0
30
60
90
120
Urban Rural
No. of Active Borrowers By Urban/Rural
(Genderwise)
Male Female
Tho
usa
nd
s
5,825
1,940
1,668
256
0
2,000
4,000
6,000
8,000
Urban Rural
Gross Loan Portfolio By Urban/Rural
(Genderwise)
Male Female
Mill
ion
s
Tho
usa
nd
s
Mill
ion
s
24
26
66
23
28
61
- 15 30 45 60 75
OXUS
FINCA
FMFB
Top 3 MFIs, MFBs, FIs
by Total Number of Active Borrowers
Q3-2019 Q3-2018
Tho
usa
nd
s
989
1,215
6,213
1,107
1,274
5,408
- 2,500 5,000 7,500
OXUS
FINCA
FMFB
Top 3 MFIs, MFBs, FIs
by Total Gross Loan Portfolio
Q3-2019 Q3-2018
Mill
ion
s
Quarter on Quarter Comparison
Summary of Micro Savings (All Afghanistan)
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MICRO SAVINGS
Top 10 Provinces by Number of Active Savers Top 10 Provinces by Amount of Savings (AFN)
103 98
56 55
0
50
100
150
200
Q3-2018 Q3-2019
Number of Active Borrowers
by Gender
Male Female
Tho
usa
nd
s
8,483 7,765
2,135 1,924
0
4,000
8,000
12,000
Q3-2018 Q3-2019
Gross Loan Portfolio
by Gender
Male Female
Mill
ion
s
33 36
125 117
0
50
100
150
200
Q3-2018 Q3-2019
Number of Active Borrowers
by Lending Methodology
Group Individual
Tho
usa
nd
s
868 894
9,749 8,794
0
4,000
8,000
12,000
Q3-2018 Q3-2019
Gross Loan Portfolio
by Lending Methodology
Group Individual
Mill
ion
s
111 112
48 41
0
50
100
150
200
Q3-2018 Q3-2019
Number of Active Borrowersby Urban/Rural
Urban Rural
Tho
usa
nd
s
Total Male Female Urban Rural
2019-Q3 192,754 136,276 56,478 118,377 74,377
2019-Q2 255,105 173,122 81,983 150,743 104,362
2019-Q3 2,931,168,152 2,380,471,795 550,696,356 2,770,318,968 160,849,184
2019-Q2 2,931,168,152 2,380,471,795 550,696,356 2,770,318,968 160,849,184
2019-Q3 15,207 17,468 9,751 23,403 2,163
2019-Q2 11,490 13,750 6,717 18,378 1,541
Amount of Savings (AFN)
Average Saving Size (AFN)
Number of Active Savers
Province 2019-Q3 G rowth
Balkh 38,261 -29.88%
Kabul 32,797 -2.91%
Badakhshan 26,173 2.51%
Baghlan 15,430 -28.34%
Takhar 14,555 1.79%
Faryab 10,570 -18.95%
Jowzjan 9,660 -55.49%
Helmand 8,911 -42.38%
Kunduz 8,279 -20.68%
Bamyan 8,116 -10.57%
164 169 173 136
80 79 82
56
-
100
200
300
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Number of Active Savers
by Gender
Male Female
Tho
usa
nd
s
Province 2019-Q3 G rowth
Kabul 1,795,873,012 -3.77%
Badakhshan 345,877,640 6.71%
Baghlan 272,680,573 5.00%
Balkh 180,987,823 -1.72%
Takhar 109,116,322 13.84%
Bamyan 95,810,850 10.93%
Kunduz 68,335,520 -6.49%
Samangan 30,057,081 2.23%
Jowzjan 26,356,714 -1.34%
Faryab 22,340,873 -4.99%
2,239 2,380 2,380 2,380
576 551 551 551
-
1,000
2,000
3,000
4,000
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Amount of Savings
by Gender
Male Female
Mill
ion
s
Year on Year Comparison
9 10
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14 14 14 17
7 7 7
10
-
10
20
30
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Amount of Savings / Saver
by Gender
Male Female
Tho
usa
nd
s
165 146 151 118
78 101 104
74
-
100
200
300
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Number of Active Savers
by Urban/Rural
Urban Rural
Tho
usa
nd
s
2,639 2,770
2,859 2,828
176
161
166 180
2,400
2,600
2,800
3,000
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Amount of Savings
by Urban/Rural
Urban Rural
Mill
ion
s
16 19 19
24
2 2 2
2
-
10
20
30
Q4-2018 Q1-2019 Q2-2019 Q3-2019
Amount of Savings / Saverby Urban/Rural
Urban Rural
Tho
usa
nd
s
91
46
28
29
0
50
100
150
Urban Rural
No. of Active Savers By Urban/Rural
(Genderwise)
Male Female
Tho
usa
nd
s
2,321
89
508
91
0
500
1,000
1,500
2,000
2,500
3,000
Urban Rural
Amount of Savings By Urban/Rural
(Genderwise)
Male Female
Mill
ion
s
28
94
117
34
101
55
- 20 40 60 80 100 120
AKF
FMFB
IIFC Group
Top 3 Institutions
by Total Number of Active Savers
Q3-2019 Q3-2018
Tho
usa
nd
s
103
137
1,819
103
137
1,819
- 1,000 2,000
AKF
IIFC Group
FMFB
Top 3 Institutions
by Total Amount of Savings (AFN)
Q3-2019 Q3-2018
Mill
ion
s
168 136
73
56
0
100
200
300
Q3-2018 Q3-2019
Number of Active Savers
by Gender
Male Female
Tho
usa
nd
s
2,176 2,380
528 551
0
1,000
2,000
3,000
4,000
Q3-2018 Q3-2019
Amount of Savings
by Gender
Male Female
Mill
ion
s
144 118
97
74
0
100
200
300
Q3-2018 Q3-2019
Number of Active Savers
by Urban/Rural
Urban Rural
Tho
usa
nd
s
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INDICATORS - Micro Credit
Top 3 Fast Growing MFIs, MFBs, FIs
Market Share
Sector Trend
12
Micro
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6
-
50
100
Q3-2018 Q4-2018 Q1-2019 Q2-2019 Q3-2019
Number of Active Borrowers - MFIs, MFB, FI
FMFB FINCA OXUS
Mutahid IIFC Group Exchangerzone
ARF C
Tho
usa
nd
s
-
2
4
6
Q3-2018 Q4-2018 Q1-2019 Q2-2019 Q3-2019
Number of Active Borrowers - CSPIs
AKF AWC HiH-AF
Tho
usa
nd
s
-
5,000
10,000
Q3-2018 Q4-2018 Q1-2019 Q2-2019 Q3-2019
Gross Loan Portfolio - MFIs, MFBs, FIs
FMFB FINCA OXUSIIFC Group Mutahid ARF CExchangerzone
Mill
ion
s
-
10
20
30
40
Q3-2018 Q4-2018 Q1-2019 Q2-2019 Q3-2019
Gross Loan Portfolio - CSPIs
AKF AWC HiH-AF
Mill
ion
s
-
200
400
Q3-2018 Q4-2018 Q1-2019 Q2-2019 Q3-2019
Number of Clients - MFIs, MFBs, FIs
FMFB IIFC Group FINCAOXUS Mutahid ExchangerzoneARF C
Tho
usa
nd
s
-
10
20
30
40
Q3-2018 Q4-2018 Q1-2019 Q2-2019 Q3-2019
Number of Clients - CSPIs
AKF HiH-AF AWC
Tho
usa
nd
s
-
100
200
300
400
500
Q3-2018 Q4-2018 Q1-2019 Q2-2019 Q3-2019
Number of Clients and Borrowers
No. of Clients No. of Borrowers
Tho
usa
nd
s
8,000
9,000
10,000
11,000
Q3-2018 Q4-2018 Q1-2019 Q2-2019 Q3-2019
Gross Loan Portfolio (AFN)
Mill
ion
s
56%
13%
12%
8%
6%5%
0%
MFI, MFB, FI Market Share % (Based on GLP)
FMFB
FINCA
OXUS
IIFC Group
Mutahid
ARFC
Exchangerzone
88%
9%
3%
CSPIs Market Share % (Based on GLP)
AKF
AWC
HiH-AF
1.7%
0.0%
0.5%
1.0%
1.5%
2.0%
OXUS
Growth Rate %
by Gross Loan Portfolio
1.7%
-0.5%
0.0%
0.5%
1.0%
1.5%
Mutahid
Growth Rate %
by Number of Active Borrowers
MICROFINANCE OUTREACH
13 14
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SN ProvinceNo. of
Branches
No. of Active
Borrowers
Gross Loan
Portfol io (AFN)
No. of Active
Savers
Amount of
Savings (AFN)PAR > 30 days
1 Badakhshan 18 14,239 633,469,441 26,173 345,877,640 22,344,150
City Districts 4 5,916 266,574,473 10,315 260,971,266 12,223,154
Other Districts 14 8,323 366,894,968 15,858 84,906,374 10,120,995
2 Baghlan 6 7,053 456,991,258 15,430 272,680,573 20,952,262
City Districts 4 5,227 351,750,001 12,384 265,909,370 7,839,889
Other Districts 2 1,826 105,241,258 3,046 6,771,204 13,112,373
3 Balkh 19 28,416 1,786,009,227 38,261 180,987,823 50,581,320
City Districts 11 17,024 1,230,086,916 29,283 166,902,907 30,445,262
Other Districts 8 11,392 555,922,310 8,978 14,084,916 20,136,058
4 Bamyan 9 4,657 335,684,423 8,116 95,810,850 6,327,396
City Districts 3 2,845 198,605,764 4,193 77,289,517 5,368,246
Other Districts 6 1,812 137,078,659 3,923 18,521,333 959,150
5 Faryab 6 7,611 371,671,090 10,570 22,340,873 14,486,330
City Districts 3 5,128 257,944,771 5,608 12,267,958 5,154,214
Other Districts 3 2,483 113,726,318 4,962 10,072,914 9,332,115
6 Helmand 5 3,011 193,379,665 8,911 18,755,927 90,454,965
City Districts 1 1,321 73,106,626 1,404 2,836,705 15,311,486
Other Districts 4 1,690 120,273,039 7,507 15,919,222 75,143,479
7 Herat 8 6,755 801,151,289 6,444 20,585,135 177,293,656
City Districts 8 4,977 654,684,108 6,444 20,585,135 163,584,388
Other Districts - 1,778 146,467,181 - - 13,709,267
8 Jowzjan 6 8,461 413,104,278 9,660 26,356,714 8,389,555
City Districts 4 6,511 310,830,948 6,836 20,888,228 5,570,574
Other Districts 2 1,950 102,273,329 2,824 5,468,485 2,818,981
9 Kabul 39 49,999 3,556,994,417 32,797 1,795,873,012 295,473,907
City Districts 38 48,981 3,512,930,960 32,316 1,795,721,962 295,473,907
Other Districts 1 1,018 44,063,457 481 151,050 -
10 Kandahar 2 311 37,459,070 2,489 2,682,931 26,263,085
City Districts 1 230 14,284,127 1,958 2,373,441 6,358,737
Other Districts 1 81 23,174,943 531 309,490 19,904,348
11 Kunarha 1 415 20,709,393 1,177 5,375,630 269,297
City Districts 1 415 20,709,393 1,177 5,375,630 269,297
Other Districts - - - - - -
SN ProvinceNo. of
Branches
No. of Active
Borrowers
Gross Loan
Portfol io (AFN)
No. of Active
Savers
Amount of
Savings (AFN)PAR > 30 days
12 Kunduz 5 2,503 89,375,703 8,279 68,335,520 962,113
City Districts 4 2,153 82,001,016 6,886 67,411,160 962,113
Other Districts 1 350 7,374,687 1,393 924,360 -
13 Nangarhar 3 714 54,073,108 1,275 8,333,990 3,992,519
City Districts 3 648 48,685,129 1,275 8,333,990 3,298,729
Other Districts - 66 5,387,979 - - 693,790
14 Parwan 4 5,299 260,471,341 2,425 4,218,202 2,962,034
City Districts 3 3,789 177,034,761 1,594 2,438,998 2,617,691
Other Districts 1 1,510 83,436,580 831 1,779,204 344,343
15 Samangan 4 3,518 208,723,532 5,807 30,057,081 9,009,207
City Districts 4 2,619 151,838,849 5,807 30,057,081 5,394,438
Other Districts - 899 56,884,683 - - 3,614,770
16 Saripul 2 4,060 253,291,903 385 1,210,970 48,108,321
City Districts 2 2,992 177,532,331 385 1,210,970 5,902,221
Other Districts - 1,068 75,759,572 - - 42,206,099
17 Takhar 9 6,208 216,142,441 14,555 109,116,322 39,596,847
City Districts 5 3,289 130,341,203 5,269 85,203,794 17,883,379
Other Districts 4 2,919 85,801,239 9,286 23,912,528 21,713,468
Total 146 153,230 9,688,701,579 192,754 3,008,599,192 817,466,963
Reporting Organizations
End Notes
- Exchangerzone data is as of 2nd quarter (June 2019).
15
MFI - Exchangerzone Yes No
Ins�tu�ons Repor�ng Period
2019-Q2 2019-Q3
MFI - FINCA Afghanistan
MFI - Islamic Investment & Finance Coopera�ves (IIFC) Group
MFI - Mutahid Development Finance Ins�tu�on
MFI - OXUS Afghanistan
MFB - The First Microfinance Bank
FI - Afghan Rural Finance Company
CSPI - Afghanistan Women Council
CSPI - Aga Khan Founda�on
CSPI - Hand in Hand Afghanistan
Yes Yes
Yes Yes
Yes Yes
Yes Yes
Yes Yes
Yes Yes
Yes Yes
Yes Yes
Yes Yes
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Prepared and Designed by:
Zohra Saba
Afghanistan Microfinance Association (AMA)Street 3, Taimani Project, District 4, Kabul-Afghanistan
www.microview.info | [email protected] | www.ama.org.af
