Portfolio Yield is defined as all interest and fees paid by borrowers to the Field Partner divided by the average portfolio outstanding during any given year.
Dan vind ik 50% wel veel inderdaad, maar niet echt ongebruikelijk.
Onder 'Profitability (Return on Assets)' kun je zien hoeveel de Field Partner gemiddeld aan de leningen verdient.
Vaak is dat hooguit 2% of zelfs een negatief getal.
Kleine leningen brengen relatief meer kosten met zich mee.
De dienstverlening is vaak dicht bij de mensen, dus vaak moeten de medewerkers reizen om de aanvragen te behandelen en de aflossingen op te halen.
Soms geven ze ook begeleiding of adviezen aan hun leners.
Ter illustratie, uit een
update door een Kiva vrijwilliger over Field Partner FRAC:
quote:During my time with FRAC as a Kiva Fellow I have spoken with many women (and a few men) who have received Kiva loans. Again and again they told me they choose to borrow from FRAC because of the low interest rates and the personal service. The warmth of the relationship between loan officers and borrowers was clear in all of the groups I visited during my time with FRAC. "We borrow from FRAC because they treat us with respect," one woman in Tierra Blanca, Veracruz said. "If we have trouble with our repayments, they help us to find a solution instead of waiting until the end of the loan and sending in the lawyers."
FRAC's interest rates are significantly lower than the average annual effective interest rate for microloans in Mexico. By keeping overheads low and seeking low-cost sources of funds, such as Kiva, they have been able to reduce their interest rate by one percent per year for the last five years.
FRAC's simple offices are in stark contrast to the bright and flashy fit-outs of many other microfinance institutions in Mexico. However FRAC attracts clients primarily through word-of-mouth recommendations, rather than promotions or advertising. Borrowers rarely need to visit the branch offices, as the loan officers come to them for group meetings. If a borrower does need to come into the office to discuss their loan, they find an environment that makes them feel comfortable rather than intimidated.
Het 'Average Loan Size'-percentage wordt niet helemaal consequent berekend.
Dat moet je dan maar even vergelijken met het gemiddeld jaarinkomen bij 'About the country'
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