rural bank of cantilan, inc. microfinance experience note: this is a sample presentation template...
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RURAL BANK OF CANTILAN, INC.
MICROFINANCE EXPERIENCEMICROFINANCE EXPERIENCE
Note: This is a sample presentation template that other banks can use. Some information left blank in this presentation may be applicable to other banks using this template.
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OUTLINE OF PRESENTATION
The Municipality of Cantilan Rural Bank of Cantilan (RBC) Institutional
Profile RBC’s Microfinance Experience Features of RBC’s Microfinance Product Policies and Procedures Product Performance Problems Encountered/Lessons Learned
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The Municipality of
Cantilan
Total number of barangays: Total population, 2000: Total # of households, 2000 Primary sources of income:
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The Municipality of Cantilan
(Location of CHQ & Main Branch)
1 Rural Bank (RB Cantilan) Active credit cooperatives: Pawnshops & lending investors: Number of registered business
establishments as of ____:
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BANK PROFILE
Established in 1980 Has 5 branches including main
office Total resources (Aug 02) PhP Total loan portfolio PhP Has 144 employees of which
____ is composed of MF staff
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RBC Organizational Chart
Board of Directors
General Manager
Accountant Cashier Loans Officer
Bookkeepers
Tellers/ Solicitor
s
Account Officers
Regular Loans
MF Supervisor
Account Officers
Microfinance
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BANK’S PRODUCTS
Deposits Regular Savings Student’s Savers Time (Savings Deposit Plus; Double
Your Money) Loans Agricultural (secured loans) Commercial (including MF products) Other Loans (Salary; Bgy
Honorarium; Pensioners’ Loan)
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RBC’s Microfinance Product
K I T A(Kitâ Insakto, Tipon
Asenso)
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
PRODUCT FEATURES
Intended for microentrepreneurs Loan sizes of P2,000.00 up to P25,000.00 for
first time borrowers Maximum loan up to P80,000 3% monthly interest amortized equally P200 service fee deducted up front; beyond
P30K, 1% SC Loan term : 1 mo. – 6 mos. Mode of payment : Weekly Pick up service for loan payments & deposit
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
Borrower Eligibility Criteria
Individual, male or female, 18-65 years old, in good health
Engaged in present business for at least one (1) year.
Residing in present address for at least two (2) years.
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
Borrower Eligibility Criteria
Residence must be within the bank’s service area.
Business is located within a defined geographical area coverage of KITâ loan product.
Without any history of past due loam with Rural Bank of Cantilan or with any creditor or supplier.
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
Loan Size, Terms and FeesLoan
NumberAmount Term Interest rate Service
ChargePenalty
First 2,000-25,000 1-3 mos. 3%/month 200 2%/day
Second 2,000-30,000 1-4 mos. 3%/month 200 2%/day
Third 2,000-35,000 1-5 mos. 3%/month 200 2%/day
Fourth 2,000-40,000 1-6 mos. 3%/month 200 2%/day
Fifth 2,000-45,000 1-6 mos. 3%/month 200 2%/day
Succeding Loans
2,000-50,000 1-6 mos. 3%/month 200 2%/day
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A ) ( K I T A )
PRODUCT FEATURES
Loan Security : P2,000.00 – P10,000.00 ; two co-makers only
P10,001.00 – P20,000.00 ; two co-makers plus Security Agreement, Deed of Assignment of Deposits
Above P20,000.00 - REM or Chattel Mortgage Deposit Build up:
Initial deposit at least P100 Regular deposits to go with each loan payment
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
Loan Collateral
Some form of collateral/guarantee may be required on allall loans
The value of the collateral will not be a determining factor in deciding how much a client can borrow.
Collateral should not be relied on as a means of recovery
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
Repayment Capacity An assessment of now much a person or a
business can borrow and easily pay over a particular time.
Determined by looking at the net income of the business and the net income of the household on a daily, weekly and monthly basis.
It is recommended that the initial maximum adjusted repayment capacity should not exceed 25% for first-time clients.
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
Loan Amortization Schedule
Frequency of payments depends on the income flow of the borrower.
Equal payments either daily or weekly. Daily amortization is paid from Monday
to Friday. Weekly amortization is paid every 7
days from the anniversary day.
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
Payment Schedule Loan with DAILY payments: First installment
starts the day after loan release. When a loan release falls on a Friday, the first installment shall be due Monday of the following week. Daily payments ate directly credited each day to the client’s account.
Loan with WEEKLY payments: First installment shall be due on the 7th day starting from the day after releasing the loan. For example, when a loan is released on a Monday, weekly payment is due every Monday thereafter.
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
Restructuring
Restructuring should only be allowed for clients who “can’t pay”.
Restructuring should only be allowed once for each client. Terms of the restructured loan must not exceed 6 months.
Restructuring of loans should be discouraged and must be governed by strict rules
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
Prepayment
Only good clients who have paid at least 85% of the amortizations due and would need a repeat loan to meet a good business opportunity are allowed to fully repay their loans before the maturity date.
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KitKitââ Insakto, Tipon Asenso Insakto, Tipon Asenso ( K I T A )( K I T A )
Savings Component
Bank ultimate goal – to help clients achieve financial stability as a result of good savings habit.
All loan clients are required to maintain deposit accounts. The minimum amount to open is P100. Clients determine how much they will deposit weekly, but minimum is
P30
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Loan Delinquency Management
ALARM SIGNALS IN MANAGING DELINQUENT PAYORS
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Loan Delinquency Management
Alarm Signal No. 1:Alarm Signal No. 1:Payment is Delayed One (1) DayPayment is Delayed One (1) Day
AO visits the client within 24 hours.AO determines the reason for non-payment.AO encourage the client to pay immediately so as to avoid falling behind in their payments.
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Loan Delinquency Management
Alarm Signal No. 2:Alarm Signal No. 2:Payment is Delayed Three (3) DaysPayment is Delayed Three (3) Days
AO warns client of adverse consequences of non-payment (penalty charges, negative credit ratings). AO informs co-borrower and co-makers.AO reports result of visit to MFU Supervisor
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Loan Delinquency Management
Alarm Signal No. 3:Alarm Signal No. 3:Payment is Delayed One (3) WeekPayment is Delayed One (3) Week
Sent first warning letterMFU Supervisor visits borrowerIf the client is unable to pay, the MFU Supervisor should visit the co-borrower and co-maker to collect.MFU Supervisor reports result of visit to the Branch Manager.
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Loan Delinquency Management
Alarm Signal No. 4:Alarm Signal No. 4:Payment is Delayed Two (2) WeeksPayment is Delayed Two (2) Weeks
Branch Manager visits borrower, co-borrower and co-makers.Branch Manager informs the clients of more drastic measure like notifying the barangay captain.Branch Manager warns the client of becoming blacklisted borrower.
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Loan Delinquency Management
Alarm Signal No. 5:Alarm Signal No. 5:Payment is Delayed Three (3) WeeksPayment is Delayed Three (3) Weeks
Third and final warning letter sent.Notify the barangay captain.Finalize the “Dacion en Pago” or chattel mortgage.Ask the client to come to the bank immediately to avoid legal action.
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Loan Delinquency Management
Alarm Signal No. 6:Alarm Signal No. 6:Payment is Delayed Four (4) WeeksPayment is Delayed Four (4) Weeks
AO, MFU Supervisor, and the Branch Manager should now arrange to get the security item or chattel.Clients will not be able to borrow from the bank again.
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K I T A Lending Process and Procedures
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Microfinance Loan Flow Chart
Client Orientation
and Pre-application Loan
Release Disburse
ment
Loan Applicati
on
Loan Review
and Approva
l
Credit and
Background
Investigation
Loan Repaym
ent
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Client OrientationApplicants come to the bank for the
client orientation
Attendance
sheet
Welcome and introduction
of prospective
clientsOrientation proper
Question and Answer
Client Logbook
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Pre-Application ProcedureClient comes to bank
AO interviews client to
determine eligibility
Orientation for
eligible clients
Clients complete the
pre-application
form
AO conduct
s the CI/BI
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Credit and Background Investigation
AO conducts initial interview
If initial interview is positive, AO visits two reference suppliers or
creditors, or one of each
AO visits two co-makers, two to three residential neighbors and barangay captain/purok leader
or market administrator
AO verifies client for court cases or
warrant of arrest
AO follows up the credit references given by the
prospective client
If CI/BI is positive, AO prepares the loan application form
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Loan Application
AO goes back to the client together with the application form
and tells the cash flow result.
If interested, the applicant and his/her spouse should sign
the application form.
MFU Supervisor checks the cash
flow information and completeness
of needed documents.
If additional information is needed, the supervisor ask the AO to gather the information.
Applications ready for submission to the mini
CRECOM are summarized by each AO in a form.
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Preparation before the Credit Committee Meeting
AO summarizes and prepares the loan recommendation sheet
AO organizes the applicant’s Credit Folder
Supervisor reviews applicant’s Credit Folder
Loan application is endorsed to the Credit Committee
• Loan Recommendation Sheet• Loan Application Form• Completed CI/BI Form• Co-maker’s Profile• Proof of Payments and other documents
Check and reviews for inconsistencies
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Loan Review and Approval (Credit
Committee Meeting)
Credit Committee• meets once a week to review and approve loans• composed of General Manager, Tandag Branch Manager and MFU Supervisor
Preparation
Supervisor presents CI/BI result to Credit
Committee
Discussion
Recommendation and Approval
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Loan Release Disbursement
Manager Reviews and signs Application form, Disclosure Statement and Cashier’s Check
Teller disburses loans, encashes CC and gives
client the Loan Disclosure and Discount Statement, and schedule
of payment
Cashier checks deductions and net proceeds, signs
Cashier’s Check and forwards security folder to
the Loans Teller
Cashier approves loan release, generates
schedule of payments for AO, Teller and
Client
Teller forwards loan security folder to New
Accounts Clerk who then forwards the check to the
bookkeeper
New Accounts Clerk forwards security folder to
the Supervisor
AO prepares summary of releases for the day
Supervisor encodes Client Identification (CID),
executes first stage release and tagging
Client receives cash from Teller, signs receipt for amount received, Teller stamps “PAID” on the
Discount and Disclosure Statement, and CC
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Loan Repayment
There are two ways:
Provisional Receipt based repayments through AO or Bank’s Collector (manual system)
Official Receipt repayment through the Teller
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Provisional Receipt based Repayments
Bookkeeper generates computer based repayment at the end of the day and updates individual manual ledger on the next
day
AO collects payments from
client, issues PR
In the event of shortages or averages, AO records it in the collection
summary and trace its source. Any excess should be turned over to the
Cashier
Back at the office, AO checks collection against
issued PR, enters collection from each client in Excel
and give a copy of Collection Sheet to Teller
AO forwards cash collected to the Teller for issuance of Official
Receipt
Teller verifies totals per summary and money received, then posts
individual deposit collected and repayment schedule with
provisional receipt.
Cashier makes accounting of
receipts issued by the collector for the day, declares
missing or cancelled receipts
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Official Receipt Repayments
Teller should accept repayment and issue Official Receipt not less than the amount of amortization due of the client
In case of over payment and client wants it save, Teller should accept it as deposit.
Teller posts the payment or savings deposit on the computer.
Bookkeeper generates computer based repayment at the end of the day and updates individual manual ledger on the next day
Cashier makes accounting of receipts issued by the collector for the day, declares missing or cancelled receipts
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ACCOMPLISHMENTS OF KITA LOAN FOR THE FIRST
3 MONTHS PILOT TEST
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PERFORMANCE OF KITA LOAN PROGRAM FOR THE FIRST 3
MONTHS PILOT TEST
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SIGNIFICANT THINGS LEARNED FROM THE MABS
PROGRAM
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SIGNIFICANT THINGS LEARNED FROM THE MABS
PROGRAM
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Daghang SalamatDaghang Salamat !