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 Fundings. v Definition of credit and savings modalities by profile Guarantee (individual – material guarant, mortgage, collective…) Interest rate Repayment.

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Presentation on theme: " Fundings. v Definition of credit and savings modalities by profile Guarantee (individual – material guarant, mortgage, collective…) Interest rate Repayment."— Presentation transcript:

1  Fundings

2 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 ($) 240 Avg duration (m) 12 Rate (%) 23 Modalités épargne Savings Obligatory Mini amount( $/mois) 10 Rmrtn rate (%) 1 Characteristics Profiles All the profiles Add a profile Credit Modalities All branches Savings Modalities Branches implantation Edit a new map All branches Modify

3 v Modification of the modalities of a branch-profile Amount Duration Rate Amount 210 Duration 12 Rate 21 Amount 240 Duration 12 Rate 23 Amount 300 Duration 14 Rate 18 Amount 220 Duration 12 Rate Modify Modalités crédits Profiles All the profiles Add a profile Credit Modalities Branch Data Branch:

4 v All 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 Compulsatory Mini: 10 $/month Remuneration : 1% Characteristics Profiles All the profiles Add a profile Credit Modalities All branches Savings Modalities Branches implantation All branches Modify Amount Duration Rate Characteristics

5 Portfolio: credits and savings (4/5) BranchProfileCompt 01/1102/1103/11 … Planified Loan Repayments Interests on loans Savings deposits Interests on savings Planified Loan Repayments Interests on loans Savings deposits Interests on savings Planified Loan Repayments Interests on loans … … …… …

6 Portfolio: credits and savings (4/5) ProfileBranchCompt 01/1102/1103/11 … Planified Loan Repayments Interests on loans Savings deposits Interests on savings Planified Loan Repayments Interests on loans Savings deposits Interests on savings … Planified Loan Repayments Interests on loans … … …… …

7 Portfolio: credits and savings (4/5) BranchProfileCompt 01/1102/1103/11 … Planified Loan Repayments Interests on loans Savings deposits Interests on savings Planified Loan Repayments Interests on loans Savings deposits Interests on savings Planified Loan Repayments Interests on loans … … … …… … 17 Modify Credit Modalities Branch Data Branch: Amount Duration Rate Amount Duration Rate Amount Duration Rate Amount Duration Rate Amount Duration Rate

8 Portfolio: credits and savings (4/5) ProfileBranchCompt 01/1102/1103/11 … Planified Loan Repayments Interests on loans Savings deposits Interests on savings Planified Loan Repayments Interests on loans Savings deposits Interests on savings … Planified Loan Repayments Interests on loans … … …… … Modalités épargne Obligatoire Mini: 12 $/mois Rémunération : 1% Compulsatory Mini: 10 $/month Remuneration : 1% Credit Modalities All branches Savings Modalities All branches Modify Amount Duration Rate

9 v Visualization of the contributions – by Profil Antenne Profil profilebranch Branches implantation Risks All the risks Add a risk Profiles All the profiles Add a profile Balance Branch Profile Branch Profile

10 v Définition of an ivestor’s terms Type Amount Currency Date of the 1st repayment Duration of Repayment Frecuency of repayment $/ Type of rate Type of debt Covenants Funding Modalities Private Institutional $ 01/02/ mois Fix 8,6% Senior mois Investor : InvestMicro Switzerland Funding Data Branches implantation Risks All the risks Add a risk Profiles All the profiles Add a profile Modify

11 v Addition of other investors Branches implantation Risks All the risks Add a risk

12 Example: FundingTypeCurrencyType of rate 05/1006/1007/10 … Investor 1 Private institution $FixPlanified subsidies repayments Subsidies interests Investor 2 Multilateral public institution €VariablePlanified subsidies repayments Subsidies interests …… Exterior funding(4/5)

13 v Visualization of the contributions by currency € Devise Branches implantation Risks All the risks Add a risk Profiles All the profiles Add a profile

14 v Global visualization of the fundings € Devise Antenne Profiles All the profiles Add a profile Laws and Regulations Growth Natural Disaster Risks All the risks Add a risk External Fraud Competition Internal Control Key person Informatic failure Drought Earthquake

15  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

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