MicroView Report 23 - Afghanistan Microfinance...
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MICROVIEW 23 Funded By:
Transcript of MicroView Report 23 - Afghanistan Microfinance...
MICROVIEW 23
Funded By:
Afghanistan Microfinance Association (AMA) is the national network of development finance Institutions in Afghanistan. AMA aims at promoting a sustainable development finance sector in Afghanistan through sector coordination and networking, knowledge management, lobbying and advocacy, and capacity building.
OVERVIEW
KEY INDICATORS MICRO CREDIT MICRO SAVINGS
01 02 03 08
INDICATORS - MICRO CREDIT
MICROFINANCE OUTREACH
11 13
Contents00
OVERVIEW
Quarter on Quarter Comparison
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Year on Year Comparison
The report indicates both posi�ve and nega�ve trends in this
quarter. The Number of Ac�ve Clients, Number of Ac�ve Savers,
and Amount of Savings increased by 1.8%, 0.9%, and 4.1%
respec�vely. Number of Ac�ve Borrowers, and Gross Loan
Por�olio decreased by 1.5%, and 1.3% respec�vely. Por�olio At
Risk (PAR) has increased by 0.6%.
FINCA Afghanistan, Mutahid DFI, FMFB Afghanistan, OXUS
Afghanistan, and ARFC remained opera�onally self-sufficient.
A total of 40,902 loans were disbursed showing an increase of
11.4% compared to the 3rd quarter of 2018. Helmand, Kunarha,
and Herat are the provinces with highest PAR of 81%, 43%, and
15% respec�vely.
OXUS Afghanistan, FMFB Afghanistan, and FINCA Afghanistan are
the ins�tu�ons with posi�ve growth rate of 3.3%, 1.3%, and 1.2%
respec�vely in terms of GLP, and FINCA Afghanistan, Mutahid, and
FMFB Afghanistan with 2.3%, 1.4%, and 0.9% in terms of number
of borrowers.
Quarter Change
Quarter Change
Exchange Rate (Dec 2018): $ 1 = AFN 75.4
KEY INDICATORS
All Development Finance Providers - As of December 2018
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The nega�ve growth in certain indicators as shown in red in above
Year on Year comparison table, is due to closure of the
Afghanistan Rural Enterprise Development Program (AREDP) of
the Ministry of Rural Rehabilita�on and Development (MRRD).
Details were provided in earlier issue of the MicroView report 22.
Column1 Quarter Column2 Change Column3
2018-Q4 2018-Q3 Unit %
Number of Clients 402,035 394,747 7,288 1.85%
Number of Active Savers 243,494 241,108 2,386 0.99%
Number of Active Borrowers 156,267 158,700 -2,433 -1.53%
Amount of Savings (AFN) 2,815,399,190 2,704,275,349 111,123,841 4.11%
Gross Loan Portfolio (AFN) 10,473,797,668 10,617,413,356 -143,615,689 -1.35%
PAR>30 days 6.8% 6.2% 0.7%
Average Loan Size (AFN) 67,025 66,902 123 0.18%
Gross Loan Portfolio Per Loan Officer (AFN) 8,720,897 8,982,583 -261,686 -2.91%
Number of Borrowers Per Loan Officer 130 134 -4 -3.09%
Number of Clients Per MF Staff 152 149 3 1.96%
Operationally Self-Sustainable Institutions 5 5
Column1 Quarter Column2 Change Column3
2018-Q4 2017-Q4 Unit %
Number of Clients 402,035 467,937 -65,902 -14.08%
Number of Active Savers 243,494 326,523 -83,029 -25.43%
Number of Active Borrowers 156,267 198,752 -42,485 -21.38%
Amount of Savings (AFN) 2,815,399,190 2,646,362,013 169,037,178 6.39%
Gross Loan Portfolio (AFN) 10,473,797,668 10,664,030,520 -190,232,852 -1.78%
PAR>30 days 6.8% 4.4% 2.4%
Average Loan Size (AFN) 67,025 53,655 13,370 24.92%
Gross Loan Portfolio Per Loan Officer (AFN) 8,720,897 8,184,214 536,684 6.56%
Number of Borrowers Per Loan Officer 130 153 -22 -14.70%
Number of Clients Per MF Staff 152 167 -15 -8.92%
Operationally Self-Sustainable Institutions 5 4
Quarter on Quarter Comparison
Top 10 Provinces by Number of Active Borrowers Top 10 Provinces by Gross Loan Portfolio (AFN)
Summary of Micro Credit (All Afghanistan)
MICRO CREDIT
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Total Group Individual Male Female
Number of Active Borrowers
2018-Q4 156,267 34,093 122,174 100,374 55,893
2018-Q3 158,700 33,355 125,345 102,692 56,008
Gross Loan Portfolio (AFN)
2018-Q4 10,473,797,668 877,025,477 9,596,772,190 8,339,961,011 2,133,836,657
2018-Q3 10,617,413,356 868,054,975 9,749,358,382 8,482,853,464 2,134,909,892
Portfolio At Risk > 30 days
2018-Q4 714,250,317
2018-Q3 653,377,311
Average Loan Size (AFN)
2018-Q4 67,025 25,725 78,550 83,089 38,177
2018-Q3 66,902 26,025 77,780 82,605 38,118
Number of Loans Disbursed
2018-Q4 40,902 8,956 31,946 25,996 14,906
2018-Q3 36,705 8,749 27,956 23,254 13,443
2018-Q4 3,191,961,624 386,109,600 2,805,852,024 2,500,722,332 691,239,292
2018-Q3 3,205,291,945 397,433,900 2,807,858,045 2,488,867,459 735,779,486
Number of Branches
2018-Q4 144
2018-Q3 144
Loan Amount Disbursed (AFN)
Province 2018-Q4 Growth
Kabul 48,438 0.86%
Balkh 28,773 -2.78%
Badakhshan 15,031 -0.05%
Jowzjan 8,588 0.00%
Herat 8,092 -0.58%
Baghlan 7,965 -5.49%
Faryab 7,717 -2.77%
Takhar 7,436 -5.80%
Parwan 5,024 1.97%
Bamyan 4,703 -5.49%
Province 2018-Q4 Growth
Kabul 3,623,776,456 3.50%
Balkh 1,906,016,979 -3.44%
Herat 934,127,233 0.27%
Badakhshan 716,205,907 3.30%
Baghlan 564,880,405 -3.94%
Jowzjan 427,638,912 -1.58%
Faryab 386,580,723 -9.99%
Bamyan 351,501,889 -11.33%
Saripul 345,166,706 -4.05%
Takhar 318,335,740 -4.78%
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4.4%5.1% 5.3%
6.2%6.8%
Q4-2017 Q1-2018 Q2-2018 Q3-2018 Q4-2018
Portfolio At Risk > 30 days
125 123 103 100
78 83
56 56
-
40
80
120
160
200
240
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Number of Active Borrowersby Gender
Male Female
Tho
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8,878 8,703 8,483 8,340
1,996 2,616 2,135 2,134
-
4,000
8,000
12,000
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Gross Loan Portfolioby Gender
Male Female
Mill
ion
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Year on Year Comparison
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5
71 71 83 83
26 32 38 38
-
40
80
120
160
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Gross Loan Portfolio / Borrowerby Gender
Male Female
Tho
usa
nd
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80 82 33 34
123 124
125 122
-
50
100
150
200
250
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Number of Active Borrowersby Lending Methodology
Group Individual
Tho
usa
nd
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1,741 1,935 868 877
9,133 9,384 9,749 9,597
-
4,000
8,000
12,000
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Gross Loan Portfolioby Lending Methodology
Group Individual
Mill
ion
s
22 24 26 26
74 76 78 79
-
40
80
120
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Gross Loan Portfolio / Borrowerby Lending Methodology
Group Individual
Tho
usa
nd
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114 112 111 111
88 94 48 45
-
50
100
150
200
250
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Number of Active Borrowersby Urban/Rural
Urban Rural
Tho
usa
nd
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7,282 7,607 7,836 7,918
3,592 3,711 2,781 2,556
-
4,000
8,000
12,000
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Gross Loan Portfolioby Urban/Rural
Urban Rural
Mill
ion
s
66
34
45
11
0
30
60
90
120
Urban Rural
No. of Active Borrowers By Urban/Rural(Genderwise)
Male Female
Tho
usa
nd
s
6,148
2,192
1,771
363
0
5,000
10,000
Urban Rural
Gross Loan Portfolio By Urban/Rural(Genderwise)
Male Female
Mill
ion
s
23
24
62
23
27
67
- 15 30 45 60 75
OXUS
FINCA
FMFB
Top 3 MFIs, MFBs, FIsby Total Number of Active Borrowers
Q4-2018 Q4-2017
Tho
usa
nd
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908
1,183
5,493
1,022
1,230
6,296
- 2,500 5,000 7,500
OXUS
FINCA
FMFB
Top 3 MFIs, MFBs, FIsby Total Gross Loan Portfolio
Q4-2018 Q4-2017
Mill
ion
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Tho
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nd
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Mill
ion
s
Quarter on Quarter Comparison
Summary of Micro Savings (All Afghanistan)
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MICRO SAVINGS
Top 10 Provinces by Number of Active Savers Top 10 Provinces by Amount of Savings (AFN)
Total Male Female Urban Rural
2018-Q4 243,494 163,636 79,858 165,249 78,245
2018-Q3 241,108 168,040 73,068 144,052 97,056
2018-Q4 2,815,399,190 2,239,342,904 576,056,286 2,639,095,774 176,303,416
2018-Q3 2,704,275,349 2,175,846,328 528,429,021 2,543,992,492 160,282,857
2018-Q4 11,562 13,685 7,214 15,970 2,253
2018-Q3 11,216 12,948 7,232 17,660 1,651
Amount of Savings (AFN)
Average Saving Size (AFN)
Number of Active Savers
Province 2018-Q4 Growth
Balkh 46,294 -9.83%
Kabul 32,637 6.65%
Badakhshan 24,123 3.17%
Helmand 23,354 12.72%
Jowzjan 21,180 2.03%
Baghlan 19,684 -12.41%
Samangan 13,217 20.88%
Takhar 12,516 -4.91%
Faryab 12,515 -12.35%
Kunduz 10,227 27.34%
Province 2018-Q4 Growth
Kabul 1,633,897,542 3.64%
Badakhshan 344,554,398 10.48%
Baghlan 249,081,159 6.41%
Balkh 154,043,630 -6.80%
Bamyan 109,222,238 9.07%
Takhar 98,690,526 10.71%
Kunduz 73,628,006 5.35%
Samangan 31,260,688 5.63%
Herat 29,267,257 -4.78%
Faryab 28,053,256 -6.70%
122 100
77
56
0
50
100
150
200
250
Q4-2017 Q4-2018
Number of Active Borrowersby Gender
Male Female
Tho
usa
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8,406 8,340
2,258 2,134
0
4,000
8,000
12,000
Q4-2017 Q4-2018
Gross Loan Portfolioby Gender
Male Female
Mill
ion
s
77 34
122
122
0
50
100
150
200
250
Q4-2017 Q4-2018
Number of Active Borrowersby Lending Methodology
Group Individual
1,628 877
9,036 9,597
0
4,000
8,000
12,000
Q4-2017 Q4-2018
Gross Loan Portfolioby Lending Methodology
Group Individual
Tho
usa
nd
s
Mill
ion
s
115 111
84 45
0
50
100
150
200
250
Q4-2017 Q4-2018
Number of Active Borrowersby Urban/Rural
Urban Rural
Tho
usa
nd
s
221 198 168 164
93 112 73 80
-
100
200
300
400
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Number of Active Saversby Gender
Male Female
Tho
usa
nd
s
1,948 1,999 2,176 2,239
747 785 528 576
-
1,000
2,000
3,000
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Amount of Savingsby Gender
Male Female
Mill
ion
s
Tho
usa
nd
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Year on Year Comparison
9 10
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9 10 13 14
8 7 7 7
-
10
20
30
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Amount of Savings / Saverby Gender
Male Female
Tho
usa
nd
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182 141 144 165
133 169
97 78
-
100
200
300
400
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Number of Active Saversby Urban/Rural
Urban Rural
Tho
usa
nd
s
2,006 2,090 2,544 2,639
690 694 160 176
-
1,000
2,000
3,000
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Amount of Savingsby Urban/Rural
Urban Rural
Mill
ion
s
11 15 18 16
5 4
2 2
-
10
20
30
Q1-2018 Q2-2018 Q3-2018 Q4-2018
Amount of Savings / Saverby Urban/Rural
Urban Rural
Tho
usa
nd
s
118
45
47
33
0
50
100
150
200
Urban Rural
No. of Active Savers By Urban/Rural(Genderwise)
Male Female
Tho
usa
nd
s
2,147
92
492
84
0
500
1,000
1,500
2,000
2,500
3,000
Urban Rural
Amount of Savings By Urban/Rural(Genderwise)
Male Female
Mill
ion
s
33
92
119
29
96
117
- 20 40 60 80 100 120
AKF
FMFB
IIFC Group
Top 3 Institutionsby Total Number of Active Savers
Q4-2018 Q4-2017
Tho
usa
nd
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98
132
1,903
103
137
1,819
- 1,000 2,000
AKF
IIFC Group
FMFB
Top 3 Institutionsby Total Amount of Savings (AFN)
Q4-2018 Q4-2017
Mill
ion
s
215 164
112
80
0
100
200
300
400
Q4-2017 Q4-2018
Number of Active Saversby Gender
Male Female
Tho
usa
nd
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1,904 2,239
742 576
0
1,000
2,000
3,000
Q4-2017 Q4-2018
Amount of Savingsby Gender
Male Female
Mill
ion
s
172 165
155 78
0
100
200
300
400
Q4-2017 Q4-2018
Number of Active Saversby Urban/Rural
Urban Rural
Tho
usa
nd
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Top 3 Fast Growing MFIs, MFBs, FIs
Market Share
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Sector Trend
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INDICATORS - Micro Credit
-
50
100
Q4-2017 Q1-2018 Q2-2018 Q3-2018 Q4-2018
Number of Active Borrowers - MFIs, MFB, FI
FMFB FINCA OXUSMutahid IIFC Group ExchangerzoneARFC
Tho
usa
nd
s
-
2
4
6
Q4-2017 Q1-2018 Q2-2018 Q3-2018 Q4-2018
Number of Active Borrowers - CSPIs
AKF AWC HiH-AF
Tho
usa
nd
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-
5,000
10,000
Q4-2017 Q1-2018 Q2-2018 Q3-2018 Q4-2018
Gross Loan Portfolio - MFIs, MFBs, FIs
FMFB FINCA OXUSIIFC Group Mutahid ARFCExchangerzone
Mill
ion
s
-
10
20
30
40
50
Q4-2017 Q1-2018 Q2-2018 Q3-2018 Q4-2018
Gross Loan Portfolio - CSPIs
AKF AWC HiH-AF
Mill
ion
s
-
100
200
Q4-2017 Q1-2018 Q2-2018 Q3-2018 Q4-2018
Number of Clients - MFIs, MFBs, FIs
FMFB IIFC Group FINCAOXUS Mutahid ExchangerzoneARFC
Tho
usa
nd
s
-
10
20
30
40
Q4-2017 Q1-2018 Q2-2018 Q3-2018 Q4-2018
Number of Clients - CSPIs
AKF HiH-AF AWC
Tho
usa
nd
s
-
100
200
300
400
500
Q4-2017 Q1-2018 Q2-2018 Q3-2018 Q4-2018
Number of Clients and Borrowers
No. of Clients No. of Borrowers
Tho
usa
nd
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9,000
10,000
11,000
Q4-2017 Q1-2018 Q2-2018 Q3-2018 Q4-2018
Gross Loan Portfolio (AFN)
Mill
ion
s
3.3%
1.3%1.2%
0.0%
1.0%
2.0%
3.0%
4.0%
OXUS FMFB FINCA
Growth Rate %by Gross Loan Portfolio
2.3%
1.4%
0.9%
0.0%
0.5%
1.0%
1.5%
2.0%
2.5%
FINCA Mutahid FMFB
Growth Rate %by Number of Active Borrowers
MICROFINANCE OUTREACH
13 14
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SN ProvinceNo. of
Branches
No. of Active
Borrowers
Gross Loan Portfolio
(AFN)
No. of Active
Savers
Amount of Savings
(AFN)PAR > 30 days
1 Badakhshan 18 15,031 716,205,907 24,123 344,554,398 22,620,141
City Districts 4 5,986 285,528,012 9,897 256,174,250 11,922,815
Other Districts 14 9,045 430,677,895 14,226 88,380,148 10,697,326
2 Baghlan 9 7,965 564,880,405 19,684 249,081,159 31,500,371
City Districts 4 5,668 406,871,872 15,441 242,331,086 8,835,363
Other Districts 5 2,297 158,008,533 4,243 6,750,073 22,665,008
3 Balkh 18 28,773 1,906,016,979 46,294 154,043,630 37,539,073
City Districts 10 16,130 1,267,272,643 32,253 141,536,980 32,275,502
Other Districts 8 12,643 638,744,336 14,041 12,506,651 5,263,570
4 Bamyan 9 4,703 351,501,889 9,334 109,222,238 5,091,909
City Districts 3 2,985 209,639,429 6,310 91,602,856 2,516,291
Other Districts 6 1,718 141,862,459 3,024 17,619,382 2,575,618
5 Faryab 6 7,717 386,580,723 12,515 28,053,256 11,294,056
City Districts 3 5,361 296,801,983 7,730 14,064,154 4,424,657
Other Districts 3 2,356 89,778,740 4,785 13,989,102 6,869,399
6 Helmand 5 2,182 132,891,600 23,354 13,856,126 107,789,341
City Districts 1 943 63,594,890 8,023 2,126,656 29,733,577
Other Districts 4 1,239 69,296,710 15,331 11,729,470 78,055,764
7 Herat 8 8,092 934,127,233 6,257 29,267,257 146,154,167
City Districts 8 6,202 774,797,138 6,257 29,267,257 134,515,624
Other Districts - 1,890 159,330,095 - - 11,638,542
8 Jowzjan 6 8,588 427,638,912 21,180 25,244,668 17,792,416
City Districts 4 6,269 330,773,533 12,116 23,790,292 12,117,459
Other Districts 2 2,319 96,865,380 9,064 1,454,376 5,674,957
9 Kabul 37 48,438 3,623,776,456 32,637 1,633,897,542 266,607,336
City Districts 36 48,153 3,607,819,557 32,637 1,633,897,542 266,603,868
Other Districts 1 285 15,956,899 - - 3,468
10 Kandahar 2 873 88,335,935 4,360 4,138,685 4,008,470
City Districts 1 780 52,332,553 3,105 4,017,835 2,987,600
Other Districts 1 93 36,003,382 1,255 120,850 1,020,870
11 Kunarha 1 378 20,112,890 4,254 5,338,655 8,685,020
City Districts 1 378 20,112,890 4,254 5,338,655 8,685,020
Other Districts - - - - - -
SN ProvinceNo. of
Branches
No. of Active
Borrowers
Gross Loan Portfolio
(AFN)
No. of Active
Savers
Amount of Savings
(AFN)PAR > 30 days
12 Kunduz 4 2,082 115,748,054 10,227 73,628,006 3,344,341
City Districts 4 1,980 112,581,021 9,179 73,303,096 3,234,785
Other Districts - 102 3,167,033 1,048 324,910 109,556
13 Nangarhar 3 509 44,550,753 1,168 6,036,020 1,293,155
City Districts 3 440 39,378,019 1,168 6,036,020 828,776
Other Districts - 69 5,172,733 - - 464,379
14 Parwan 4 5,024 266,048,273 1,999 7,006,952 3,299,755
City Districts 3 3,504 174,067,387 1,578 5,578,658 2,196,092
Other Districts 1 1,520 91,980,885 421 1,428,294 1,103,663
15 Samangan 4 3,903 231,879,211 13,217 31,260,688 8,578,562
City Districts 4 2,819 157,476,781 12,185 30,991,988 2,029,745
Other Districts - 1,084 74,402,430 1,032 268,700 6,548,817
16 Saripul 2 4,573 345,166,706 375 2,079,384 11,984,346
City Districts 2 3,096 208,900,114 375 2,079,384 1,963,746
Other Districts - 1,477 136,266,592 - - 10,020,601
17 Takhar 8 7,436 318,335,740 12,516 98,690,526 26,667,857
City Districts 4 4,462 215,118,126 4,195 78,875,561 11,913,073
Other Districts 4 2,974 103,217,613 8,321 19,814,965 14,754,784
Total 144 156,267 10,473,797,668 243,494 2,815,399,191 714,250,316
Reporting Organizations
End Notes
15
MFI - Exchangerzone No Yes
Ins�tu�ons Repor�ng Period
2018-Q3 2018-Q4
MFI - FINCA Afghanistan
MFI - Islamic Investment & Finance Coopera�ves (IIFC) Group
MFI - Mutahid Development Finance Ins�tu�on
MFI - OXUS Afghanistan
MFB - The First Microfinance Bank
FI - Afghan Rural Finance Company
CSPI - Afghanistan Women Council
CSPI - Aga Khan Founda�on
CSPI - Hand in Hand Afghanistan
Yes Yes
Yes Yes
Yes Yes
Yes Yes
Yes Yes
Yes Yes
Yes Yes
Yes Yes
Yes Yes
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Prepare and designed by:
Zohra Saba
Afghanistan Microfinance Association (AMA)Street 3, Taimani Project, District 4, Kabul-Afghanistan
www.microview.info | [email protected] | www.ama.org.af
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