
2/21


3/21

THE AGENT NETWORK FINANCIAL MODEL

The user is encouraged to populate the model in the following sequence

!n columns "#$%& the user assigns an' core (usiness re)enue to the appropriate part'*

The $gent +etwor, -inancial .odel /the model proects the monthl' financial flows associated with a

(ranchless (an,ing implementation* The user enters information or assumptions a(out theimplementation and the model calculates the financial flows of all the companies that comprise thesuppl' chain in the implementation* The model is static in the sense that it calculates what the flowsare in a single month& gi)en the assumptions entered (' the user*

The model is a companion to the $ $gent .anagement Tool,it& which contains etensi)ediscussion a(out the model and its application* The user is encouraged to consult the document(efore using the model* The tool,it can (e downloaded at

httpwww*cgap*orgpsitectemplate*rc1*9*49831

The uppl' hain ummar' of the SUMMARY wor,sheet identifies the different companies in thesuppl' chain (' function. The user ma' change the function title to the actual name of the compan'*This title will (e used as well on the SERVICES AND PRICING wor,sheet*

The +etwor, ummar' ta(le on the SUMMARYwor,sheet defines ,e' )aria(les associated with thenum(er of customers& agents& and agent networ, managers*

The $gent +etwor, .anager ummar' ta(le on the same wor,sheet requires one )aria(le input thatdetermines how man' of the agencies are owned /rather than ser)iced (' the $gent +etwor,.anager*

!n the first two columns of the SERVICES AND PRICINGwor,sheet& the user defines the monthl'frequenc' and a)erage amount of each product /or ser)ice offered through the (ranchless (an,ingchannel*

!n columns # & the user assigns the fee associated with the transaction to the part' that pa's thefee* :' default& the amount entered will (e calculated on a per transaction (asis* ;owe)er& if the useenters a e*

!n columns ?#@& the user assigns the commission associated with the transaction to the part' thatrecei)es the commission*

$ll )aria(les associated with the epenses incurred (' agents and $+.s are entered on the"+ wor,sheet*

The num(er of $+. @nits in columns and are calculated (ased on the num(ers entered incolumns : and -*

The user must also enter )aria(les associated with liquidit' management in the $gent Aiquidit'Bequirements ta(le in the FLOATwor,sheet* Cith a multiplier of 1& the formula assumes that anagent requires cash and float equal to one da'Ds total of cashout and cashin transactions& respecti)el'The user ma' change the multiplier*

The SUMMARYwor,sheet contains most of the summar' ta(les& including details a(out the re)enuesand epenses of agents and $+.*
http://www.cgap.org/p/site/c/template.rc/1.9.49831/http://www.cgap.org/p/site/c/template.rc/1.9.49831/


4/21

-!+$A +?T The wor,sheets are protected so that onl' the input cells can (e changed* !f the userwants to adapt the model& simpl' turn protection off*


5/21

NETWORK SUMMARY

Number of cusomers !"#$%$#&"'

( )c*+e ,"(

Number of )c*+e cusomers ,#!-$#.-/

Number of A0e1s !.,,

Ac*+e cusomers2)0e1 %,,

Number of A0e1 Ne3or4 M)1)0ers !."

A0e1s2ANM !""

Mo1567 81s2)c*+e cusomer ,9-

Mo1567 )0e1 81s2)c*+e cusomer %9-

A+0 comm*s*o12)0e1 81 "9!&

SUPPLY CHAIN SUMMARY FEES ( (

T81 :ro+*;er =!'( -#./$#",- '&( =

MNO = "( = "( ,#&'%#&%!

Accou1 :ro+*;er = "( = "( =

T5*r;=:)r7 O:er)ors

)*r*me comm*ss*o1s =

Core bus*1ess be1ef* =

Prof* from o31 )0e1c*es !!#-!'EPENSES

REVENUEDISTRI?UTION

CORE?USINESS

VALUE

#

2&000

4&000

6&000

8&000

10&000

12&000

14&000

16&000

18&000

ANM


6/21

V)r*)b6e $#&/"

F*8e; %#$""

L*Bu*;*7 -,.

NET REVENUE !"#!.%

AGENT SUMMARY TA?LE

INDICATORS

Ac*+e cusomers2)0e1 %,,

81s2;)7 '%

A+0 )0e1 comm*ss*o1281 "9!'

FLOAT ACTIVITY Se6eme1 Accou1 @ ,%$

C)s5 o1 H)1; @ -".

To)6 @ !#%/!

Reb)6)1ce 81s2;)7 @ !9"

REVENUES

Accou1 s*01 u: @ !"

T81 comm*ss*o1s @ $"$

A*r*me comm*ss*o1s @ =

W)0e @ =

Foo r)ff*c @ =

EPENSESV)r*)b6e @ $!

F*8e; @ !.

I1eres @ !%

L*Bu*;*7 @ /%

NET REVENUE @ !!-

16 18 21 24

#

50

100

150

200

250

AGEN

$)


7/21

ANM REVENUE CURVE

$gents$+. 30 35 40

.onthl' Be)enue cale 5&080 EEE 6&773

$)erage $+.

AGENT REVENUE CURVETns%a' 16 18 21

.onthl' Be)enue cale 64 72 84

$)erage $gent # # #


8/21

NET REVENUE (

'#!-."$ /%(

,#&'%#&%! -'(

= "(

//%#'", /(

!#""-#',/ &(

/#"$-#$.& %/(


9/21

)erage $+. .onthl' Be)enue cale

A0e1s2ANM

28 32 37 43 49 56 64 74 85 98 113 130

$!$

MONTHLY REVENUE SCALE

rage $gent .onthl' Be)enue cale

TNS2DAY


10/21

46 53 61 70 81 93 107 123 141

7&789 EEE 10&329 11&853 13&716 15&748 18&118 20&828 23&875

16&912

24 28 32 37 43 49 56 64 74

96 112 128 148 173 197 225 257 297

# # # # # 212 # # #


11/21


12/21


13/21

162 186 214 246

27&431 31&495 36&237 41&655

85 98 113 130

341 393 453 522

# # # #


14/21

TRANSACTION TYPE (Cusomers A0e1s

$%.#$$' Accou1 S*01 u: !9'/ %$9-& C)s5 *1 ) A0e1

De:os* from T5*r; P)r7

Tr)1sfer from b)14 )ccou1

$9!" !.9.& C)s5 ou ) A0e1 0*34

Tr)1sfer o b)14 )ccou1

"9"", '"9"" C)s5 ou ) ATM = 0*8=

!9/' $&9"" P$P Tr)1sfer 0*46

Merc5)1 :urc5)ses

?*66 P)7 ) A0e1

!9,% ?)6)1ce *1Bu*r7 0*01

"9"' $"9"" e=?*66 P)7 0*15

"9-. %9&" e=)*r*me :urc5)se = !"9"" Acc b)6)1ce )1; *1eres r)e =

%$#%./#&&" Tr)1s)c*o1 Sess*o1 Fee

"9/" ARPU I1cre)se =

!$( /9/" C5ur1 re;uc*o1 =

Core ?us*1ess ?e1ef* =

,9- To)6 T81s

%9- A0e1 T81s

-( C5)10e *1 )ccou1 f6o)

T81s2mo

A+0Amou1


15/21

TRANSACTION FEES

ANMs TOTAL TOTAL

1*00 1*00 1*00

0*14 0*14 0*14

# #

# #

0*34 0*34

# #

0*8= 0*8=

0*46 0*46

# #

# #

0*01 0*01

EEE 0*30 0*30

0*0= 0*0=0*0= 0*0=

# #

0= 0=

0= 0=

T5*r;=:)r7O:er)ors

Accou1:ro+*;er

T81:ro+*;er

MNO


16/21

COMMISSIONS EARNED

Cusomers A0e1s ANMs

0*80 0*20

0*11 0*03

0*17 0*04 0*13

0*8=

0*46

0*01

0*30

l

#

T5*r;=:)r7O:er)ors

Accou1:ro+*;er

T81:ro+*;er

MNO


17/21

CORE ?USINESS VALUE ADDED

TOTAL Cusomers A0e1s ANMs

#

#

#

#

#

#

#

#

#

#

#

#

10*0= 10*0=0*7= 0*7=

#

90= 90=

90= 90=

T5*r;=:)r7O:er)ors

Accou1:ro+*;er

T81:ro+*;er

MNO


18/21

Wor4;)7s :er mo15 26

ANM EPENSES TRANSACTION PROVIDER

VARIA?LE COSTS ?Y FUNCTION U1*s Cos2U1* To)6

A0e1 AcBu*s**o1 120 159 500 79&500 #

A0e1 Tr)*1*10 120 159 500 79&500 #

A0e1 Mo1*or*10 2&000 10 1&000 10&000 25

A0e1 Tec51*c)6 Su::or 1&000 19 500 9&500

Tr)1s:or2commu1*c)*o1s # # 25

FIED COSTS

M)1)0eme12A;m*1 Perso11e6 #

Re1 #

Off*ce e8:e1ses #

LIUIDITY Vo6ume

Reb)6)1c*10 coss 493&402 # #Wor4*10 C):*)6 )s ( of A0e1 L*Bu*;*7 0=

Wor4*10 C):*)6 E8:e1se # 0= #

Loss o T5ef 0= #

TOTAL EPENSES 178&500

AGENT EPENSES TN2DAY '%

VARIA?LE COSTS U1*s Cos2U1* To)6

W)0es 80 0*7 F 31*50 21FIED COSTS U1*s2mo Cos2U1* To)6

Re12I1fr)srucure 1 19*00 19

LIUIDITY Vo6ume

Reb)6)1c*10 coss 26 F 1*13 29

Wor4*10 C):*)6 E8:e1se 1&341 1= 13

Loss o T5ef 0= #

TOTAL EPENSES 83

A0e1s2u1*

A0e1s2u1*

D)*67TNS2

u1*


19/21

AVERAGE ANM

A0e1s2AMN !""

U1*s Cos2U1* To)6

# # #

# # #

4 450 1&800

# #

4 260 1&040

4 550 2&200

1 300 300

1 700 700

Vo6ume

100 6*80 67910=

13&393 0= #

0= #

6&719


20/21

TRANSACTIONS Vo6ume ( of C)s5=*1

ash in at $gent 361&077&111 100=

?ther ash in # 0=

2 Transfers 290&816&318 81=

ash out at $gent /300&543&623 #83=

?ther cash out /2&462&269 #1=

.erchant purchases # 0=

;igh )alue ser)ice # 0=

:ill a' /7&162&964 #2=

$irtime purchase /18&713&242 #5=

-ees /10&167&751 #3=

hange in account float 22&027&263 6=

AGENT DAILY FLOAT ACTIVITY

ash in 732ash out /609

AGENT LIUIDITY REUIREMENTS Mu6*:6*er

ettlement account 1 732

ash on hand 1 609

Be(alancing per da' 1


21/21

#100=

#80=

#60=

#40=

#20=

0=

20=

40=

60=

80=

100=

TRANSACTION VOLUME AS ( OF CASH IN

Perce1of

C)s5I1

agent network financial model

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