Fundings. v Definition of credit and savings modalities by profile Guarantee (individual –...

Fundings

v

Definition of credit and savings modalities by profile

Guarantee(individual – material guarant, mortgage, collective…)

Interest rate

Repayment period

Loan type(farmer, breeder, artisan…)

Add a characteristic

Risks

All the characteristics

All the risks

Add a risk

Gender (M,F)

Avg amount ($) 240Avg duration (m)

12Rate (%) 23

Modalités épargne

Savings Obligatory

Mini amount( $/mois) 10Rmrtn rate (%) 1

Characteristics

ProfilesAll the profiles

Add a profile

Credit ModalitiesAll branches

Savings Modalities

Branches implantation

Edit a new map

All branches

Modify

v

Modification of the modalities of a branch-profile

AmountDurationRate

Amount 210Duration 12Rate 21

Amount 240Duration 12Rate 23

Amount 300Duration 14Rate 18

Amount 220Duration 12Rate 23

200 12 21

200 12 17

Modify

Modalités crédits

ProfilesAll the profiles

Add a profile

Credit ModalitiesBranch Data

Branch:

vAll the characteristics

Guarantee(individual – material guarant, mortgage, collective…)

Interest rate

Repayment period

Loan type(farmer, breeder, artisan…)

Add a characteristic

All the risks

Gender

Visualization of the modalities

Modalités épargne

200 12 21

200 12 17

CompulsatoryMini: 10 $/monthRemuneration : 1%

Characteristics

ProfilesAll the profiles

Add a profile

Credit ModalitiesAll branches

Savings Modalities

Branches implantation

All branches

Modify

AmountDurationRate

Characteristics

Portfolio: credits and savings (4/5)

Portfolio: credits and savings (4/5)

Portfolio: credits and savings (4/5)

17

Modify

Credit ModalitiesBranch Data

Branch:

Amount Duration Rate Amount Duration Rate Amount Duration Rate Amount Duration Rate Amount Duration Rate

Portfolio: credits and savings (4/5)

Modalités épargne

ObligatoireMini: 12 $/moisRémunération : 1%

CompulsatoryMini: 10 $/monthRemuneration : 1%

Credit ModalitiesAll branches

Savings ModalitiesAll branches

Modify

AmountDurationRate

v

Visualization of the contributions – by

Profil

Antenne

Antenne Profi

l

profilebranch

Branches implantation RisksAll the risks

Add a risk

ProfilesAll the profiles

Add a profile

Balance

Branch

Profile

Profile

Branch

Branch

Profile

v

Définition of an ivestor’s terms

Type

Amount

Currency

Date of the 1st repayment

Duration ofRepayment

Frecuency ofrepayment $/

Type of rate

Type of debt

Covenants

Funding Modalities

Private Institutiona

l100 000

$

01/02/09

50

2 000 mois

Fix8,6%

Senior

mois

Investor : InvestMicro Switzerland

Funding Data

Branches implantation RisksAll the risks

Add a risk

ProfilesAll the profiles

Add a profileModif

y

v

Addition of other investors

Branches implantation RisksAll the risks

Add a risk

Example:

Exterior funding(4/5)

v

Visualization of the contributions by currency

€ Devise

Branches implantation RisksAll the risks

Add a risk

ProfilesAll the profiles

Add a profile

v

Global visualization of the fundings

€

Devise

Antenne

ProfilesAll the profiles

Add a profile

Laws and RegulationsGrowth

Natural Disaster

RisksAll the risks

Add a risk

External Fraud

Competition

Internal Control

Key person

Informatic failure

Drought

Earthquake

Risques liés aux financements/investissements: Volatilité des différentes devises Augmentation du taux d’intérêt variable Non respect des clauses des prêteurs entraînant un remboursement

anticipé Tous ces risques ont un impact sur le financement de l’IMF, et

potentiellement (en deuxième lieu) sur le portefeuille de l’IMF

Les risques sur le portefeuille sont déjà définis, ceux sur les financements/investissements sont calculés en fonction de l’échéancier.

Etude des risques impactant le financement