tailieunhanh - Business planning and financial modeling for microfinance insti phần 5

Ví dụ, nếu sản phẩm được định nghĩa là có quan tâm đến tỷ lệ 24% số dư giảm dần và tổ chức quyết định thay đổi tỷ lệ 20% lãi suất phẳng, lãi suất mới cần phải được nhập vào là 33,1%, tương đương với lãi suất hiệu quả, tùy chọn màu xám đầu vào di động cho tháng thích hợp. Nếu tổ chức được chuyển đổi từ lợi ích căn hộ 20% - 24% lãi suất cân bằng giảm, các văn bản (tiếp tục trang kế tiếp) . | 84 Business Planning and Financial Modeling for Microfinance Institutions a Handbook Figure Reviewing projections by loan product FAQ 26 What if compulsory savings balances for each loan product are not available If the institution s MIS is unable to generate compulsory savings balances broken down by loan product an approximation is adequate for the projections. The aggregate total for compulsory savings will be reliable except in the rare cases where compulsory savings are eliminated for one product but not for another. A basic understanding of Microfin s approach to loan portfolio calculations can be helpful in properly using and interpreting the projections. To introduce users to the portfolio calculations annex 4 contains a short exercise integrating information from the loan product definition the loan product input section and the loan product output section. It is advisable to go through this exercise at this time before proceeding with the model. Generating savings projections The SAVINGS PROJECTION section can be found by clicking on the SAVINGS button on the Program Branch page. Compulsory savings projections Compulsory savings projections appear at the beginning of the savings section. To generate the projections the initial balance of compulsory savings must be entered in the INITIAL BALANCE column for each loan product figure . Microfin then automatically completes the projections based on the specifications in each loan product definition and the loan activity projections for each loan product. Voluntary savings projections Projecting voluntary savings is a two-step process in Microfin. First the NUMBER OF DEPOSITORS is projected then the AVERAGE SAVINGS PER DEPOSITOR are projected figure . Total savings are the product of the two. Defining Marketing Channels by Projecting Credit and Savings Activity 85 Figure Projecting compulsory savings The number of depositors can be projected from one of two possible sources .