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Liz Larson, Asia Regional ManagerMicrofinance Information eXchange (MIX)
2008 Microfinance Trends in Asia
2010 RBAP-MABS NATIONAL ROUNDTABLE CONFERENCE, June 2, 2010
Trends in Asia: structure of the presentation
Introduction to MIX: data platforms Snapshot of the Sector: MIX 2008 Trends and
Benchmarks How do Philippine rural banks compare with their
regional peers in microfinance Areas of strength of rural banks over their regional
counterparts Areas of improvement that Philippine rural banks
find from the MIX market reports
Limited ability for MFIs to benchmark performance for management diagnostic and business planning
New capital cannot connect with second tier MFIs Donors / policy makers have limited picture of areas requiring
public support
… because … Lack of consistent, reliable data in public domain Private data costly to aggregate on representative scale and
coverage for any single actor
Lack of transparency
stymies industry growth
The Problem: Overcoming data dearth
MISSION: To support the growth of the microfinance industry through a world-class public information platform
Promotes sound investmentsIncreases comfort level of investorsReduces cost of investing in microfinanceImproves microfinance providers’ performanceStrengthens market surveillance and public support
MIX is a catalyst for growth
because good Information …
Our Contribution: A Catalyst for Growth
Data Platforms MicroBanking Bulletin is a global leading publication on the sector
Customized Performance Reports (CPR) are performance reports for MFIs.
MIX Market is an online information platform – a global clearinghouse for performance and outreach information
Regional and Country level analysis reports on microfinance performance and sector analysis
Working with PartnersMIX Partners (examples):
Latin America• ProDesarrollo
• REDCAMIF (C. America)• COPEME (Peru)
• RFR (Ecuador)• ASOFIN (Bolivia)
Africa• Ghamfin (Ghana)• AEMFI (Ethiopia)
Arab States• Sanabel
E. Europe / C. Asia• RMC (Russia)
• AMFA (Azerbaijan)
Asia• PMN (Pakistan)
• M-Cril (India)• MPCI/RBAP (Philippines)
• MICRA (East Asia)• CMF (Nepal)
• RMDC (Nepal)• MISFA (Afghanistan)
Asia Coverage: MIX Market Growth
State of the Sector Overview: Where the borrowers are
The bulk of the borrowers in Asia are in Bangladesh and India, whilst the bulk of the GLP is dominated by the same. Loan sizes vary significantly.
Source: MIX Market, missing Vietnam, BRI
Growth across the world
Growth slowed across the globe, but total growth in borrowers in Asia remained the same.
Source: MIX Market trend data
State of the Sector: Growth Rates in Asia
Borrowers grew steadily across the region in most countries while growth in loan portfolio was mixed.
Source: MIX Market trend data
Financial Performance: Expense Ratios and Revenue – Asia, 2006-2008
Almost every market in Asia is profitable with a mixture of trends.
Financial Performance: ROA Trend Data – Asia, 2006-2008
Diverse range of ROA trends across the region; larger market, deposit-reliant SE Asian MFIs remain the most stable; India had largest increase
Source: MIX Market
Global Funding Liabilities by Lender Type - Global, 2008
Source: MIX Funding Liability Database
Funding Liabilities by Lender Type – Asia, 2008
Source: MIX Funding Liability Database
Domestic and International Funding Liabilities, Asia 2008
Source: MIX Funding Liability Database
Philippines Rural Banks vs. NGOs
Depositors and GLP in the Philippines
Average Profit Margin, Operating Expense Ratio - 2008
Growth in borrowers (%) and depositors between rural banks globally and rural banks in Philippines
What areas of improvement can Philippine rural banks find from the MIX Market reports?
You can measure your MFI against Rural Banks in the Philippines You can see if your expense ratios are higher or lower than your
peers You can see if your financing structure is similar or different than
your peers You can learn about the products of your peers – and your costs of
delivering your products to your clients You can find out if you are paying your staff more or less than your
peers And you can see how your performance is changing over time
How to participate to MM
Provide current data to MABS or MCPI Audited financial statements One page questionnaire (outreach, product, portfolio,
background of organization) Deadline: August 2009 – [email protected]
All benchmarked institutions receive Custom Performance Report Trend Report (with 2-3 years data) Recognition in MicroBanking Bulletin (MBB) Inclusion in analytical reports Profile on MIX Market site for global visibility
MICROFINANCE INFORMATION EXCHANGE, INC.The leading provider of business information and data services for the
microfinance industry.
Web: www.themix.org; www.mixmarket.org
Email: [email protected]
Headquarters:
1901 Pennsylvania Ave., NW, Suite 307Washington, D.C. 20006 USA
Other Locations
Lima, Peru ● Rabat, Morocco ● Hyderabad, India
