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NAMFISA Explanatory Notes to Return B PART
1: Reporting Period Analysis PART 1
(REPORTING PERIOD ANALYSIS)
Particulars
of transactions relating to lending activities during the reporting period (the
quarter under review)
a) Total Namibian
dollar value of loans disbursed during the period
(Compare with Loan Amount on Loan
Detail Report for same Date Filter with Active (and Non-Performing), Paid,
Written-Off Loans)
(a) Total Namibia Dollar
(N$) value of new loans (capital only) disbursed during the reporting period.
b) Total number of Loans
disbursed during the period
(Compares with Number of Loans on Loan
Detail Report for same Date Filter with Active (& Non-Performing), Paid,
Written-Off Loans.)
(b) Total number of new loans disbursed, in relation to
loans disbursed in Part 1 (a), i.e.
a count
of each new loan paid out during the quarter under review (not the count
of persons obtaining loans).
c) Total value of Loan Book at end of
period
(Compares with Client Control
Account on Statement of Financial Position Report for same Date Filter. Exclude
Change and Non-loan debt.)
(c)Total value of Debtors balance at the end of
the period refers to the total N$ amount of all loans outstanding as at the last
day of the reporting quarter, i.e. the capital plus the interest that is not yet
paid back on the last day of the period
which includes all
loans that are still unpaid and not
written-off as bad debts even from previous quarters.
d)
Total number of clients in book at last day of period
(Counts the
number of clients who had a non-zero balance on the end date)
(d) All clients
that still have outstanding loans at the end of the period, i.e. how many people
(head
count) make up the
Total N$ value of Debtors balance entered in Part 1(c).
e) Total number of employees on the last
day of period
(How many people work for you?) (e) The
people
employed by the Cash Loan business.
f) Total number of agents and brokers (if any)
g) Total number of
people employed by agents and brokers
The income statement
should be completed from the management accounts of the business for the
reporting period. The accountant, accounting officer or auditor would normally
complete this exercise. Year to date will mean the figures carried forward from
the previous return.
PART 2 (FINANCIAL
ANALYSIS)
The income statement should be completed from the
management accounts of the business for the reporting period. The accountant,
accounting officer or auditor would normally complete
this exercise.
INCOME
a) Interest Income from Loans
(Compares with Interest Control Account on Statement of Financial Performance
for the same Date Filter)
b) Income from Administration Fee
c)
Commissions (Compare with Client Control Account on Statement of
Financial Position Report for same date filter)
d) Other loan related Income (specify)
E)
Gross income form money lending (a + b+ c +d) SUM OF = Interest Income
from Loans + Income from Administration Fee + Commissions + Other Loan related Income
f) Bad debts (Compares with Bad
Debts Amount on Bad Debt Written Off Report for the same Date
Filter)
g) Interest paid (cost of funding)
H) Net
income from money lending operation (E - f -g) SUM OF = Gross Income
from money lending - Bad debts - Interest paid I
I) Total
expenses Related to Money Lending Transactions
J) Net profit
before tax (H-I) SUM OF = Net income from money lending operation -
Total expenses related to Money Lending Transactions
K) Less
tax Paid
L) Net profit after tax (J-K) SUM OF Net
profit before tax - Less tax Paid
CAPITAL
EMPLOYED
a) Capital and Reserves
b) Shareholders
Loans
c) Long-term loans from banks
d) Other loan term
liabilities
Total Capital Employed (a + b + c + d) SUM OF =
Capital and Reserves + Shareholders + Long-term loans from bank + Long-term
loans from banks + Other loan term liabilities
EMPLOYMENT OF
CAPITAL
e) Properties
f) Other Fixed
Assests
g) Investments
h) Gross Loan
Debts
i) Less unearned
interest
ii) Less provision for bad
debts
i) Net Loan debtors (h - i - ii) SUM OF Gross
Loan Debts - Less unearned interest - Less provision for bad
debts)
CURRENT ASSETS
j) Cash, Bank and short terms
investments
k) Other short term investments
l) Other current assets
m) Debtors
(Compare with Client Control Account on Statement of Financial Position Report
for same date filter)
CURRENT LIABILITIES
n)
Bank overdrafts & short term invest
o) Creditors
p) Others
PART 3: Loans Analysis
3.1 Loan Disbursement Breakdown by length of
Repayment period (As at reporting date)
Show the number
and value of loans, where the term of the loans fall within each of the
different categories e.g. how many loans are one month loans, 2 month loans etc.
The totals should balance back to the total value of loan Book at end of period
as shown in PART 1 (b).
Show the number and value of new loans, where the repayment terms of the loans fall within each of the different categories provided, e.g. how many new loans were repayable in six (6) months, twelve (12) months up to the maximum of 60 months, as per the agreement signed with the borrowers for the reporting quarter. The totals should balance back to the total value of new loans disbursed for the reporting quarter and number of new loans as entered in PART 1 (a) and (b) respectively.
| 1 months | 2 months | 3 months | 4 months | 5 months | Total | |
| Number of Loans | 0 | 0 | 0 | 0 | 0 | 0 |
| N$ dollar value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 6 months | 7-8 months | 9 months | 10-11 months | 12 months | Total | |
| Number of Loans | 0 | 0 | 0 | 0 | 0 | 0 |
| N$ dollar value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
3.2 Loan Disbursement Breakdown by Loan size
(as at reporting date)
Show the number and value of
loans given out that fall in the different categories by size of loan. E.g. how
many loans were less than N$1,000, between N$1,001 and N$5,000 etc.
Show the number and value of new loans disbursed that fall in the different categories provided by size of loan during the reporting quarter. E.g. how many new loans were between N$1 and N$10,000 between N$10,001 and N$20,000 up to the maximum loan disbursed as per the categories provided in this section. The amounts entered in Part 3.2. must also balance back to the amounts entered in Part 1(a) and (b).
| N$0-1 000 | +N$ 1 000-5 000 | +N$ 5 000-10 000 | +N$ 10 000-20 000 | Total | |
| Number of Loans | 0 | 0 | 0 | 0 | 0 |
| N$ dollar value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
PART
4: LOAN DEBTORS RISK ANALYSIS
4.1 Age analysis of repayment receivable
Show the Namibian
dollar value of repayments that have fallen behind and are now overdue, e.g.
30-60 days and 60-90 days overdue etc of the total outstanding, i.e. how much is
overdue including capital and interest.
Age analysis of Total value of the Debtors balance including finance charges:
This part is a break-down of the Total Debtors balance entered in Part 1(c) into the different age analysis categories provided in this section. Therefore the sum of all amounts entered in this section should balance back to the amount entered in Part 1(c).
(A) Current
(running balances of all loans not in arrears)
(B) 30-60 days
(Arrears)
(C) 60-90 days (Arrears)
(D) 90-120 days (Arrears)
(E) +120
days (Arrears)
•(A) means: All running balances of loans that are outstanding as at the last day of the quarter but not in arrears.
•(B) means: All loans that are in arrears between 30 to 60 days of the last day of the reporting quarter.
•(C) means: All loans that are in arrears between 60 to 90 days of the last day of the reporting quarter.
•(D) means: All loans that are in arrears between 90 to 120 days of the last day of the reporting quarter.
•(E) means: All loans that are in arrears for more than 120 days of the last day of the reporting quarter.
| Current (<30 days) | 30-60 days | 60-90 days | 90-120 days | +120 days |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Example: Loan Capital N$2000 on 1 January 2014 @30% interest N$600. 5 Months Repayment N$520 per month. First Payment due 31 January 2014. For this example we pretend that the quarter ends on 31 March 2014. The Instalment schedule of the loan is as follows:
January February March April May Total Capital 400 400 400 400 400 2000 Interest 120 120 120 120 120 600 Total 520 520 520 520 520 2600 Example 1. The borrower paid every month on time.
Current (<30 days) 30-60 days 60-90 days 90-120 days +120 days 1040 0 0 0 0 Example 2 The borrower made no payments.
Current (<30 days) 30-60 days 60-90 days 90-120 days +120 days 1040 520 520 520 0
4.2 Age analysis of debtors
balances
Exactly as above, but only show the capital outstanding – excluding all
interest. We want to know how much of the lender’s capital is at
risk.
Current (> 30 days) 30-60 days 60-90 days 90-120 days +120 days 0.00 0.00 0.00 0.00 0.00 Use the above example in (4.1)
Example 1. The borrower paid every month on time.
Current (<30 days) 30-60 days 60-90 days 90-120 days +120 days 800 0 0 0 0 Example 2 The borrower made no payments.
Current (<30 days) 30-60 days 60-90 days 90-120 days +120 days 800 400 400 400 0
4.3 Age analysis by number of debtors
Show the number of loans that have fallen behind i.e. 30-60
days overdue, 60-90 days overdue.
Show the number of clients (head count) that have outstanding balances as categorized for each of the columns in part 4.1 above. The sum of the total number of clients entered in this Part must balance back to the number of clients entered in Part 1(d).
Current (<30 days) 30-60 days 60-90 days 90-120 days +120 days 0 0 0 0 0
4.4 Analysis of debtors by repayment method (show number
of loans)
How do you collect payments
from debtors, show what percentages of your loans are collected by each of the
indicated methods? On the Report this will appear in percentage and not in
numbers.
How does the microlenders collect re-payments from debtors, show what percentages of the loans are collected by each of the indicated methods, i.e. payroll deduction, cash payments, etc.
Payroll deduction Debit Orders Cash Collection Other Methods 0 0 0
4.5 Analysis of loans written off and rescheduled
• How many and what value of loans did the microlender write off during the reporting period? This information must be completed in the first two (2) columns of this part.
• How many and what value of loans were re-scheduled during the reporting period? Re-scheduled refer to arrangements made with borrowers who could not repay the loan on the agreed date, but asked for extension to repay the loan on a new date. This information must be completed in the last two columns of this part.
Loans Written Off:
How many and what value of loans did you write off during the period?
Number of Loans written off as bad debt during the period - compares with Number of Loans on Bad Debt Written Off Report for the same Date Filter.
Namibia Dollar value of bad debts written off during the period - compares with Bad Debt Amount on Bad Debt Written Off Report for the same date filterLoans Rescheduled
Number of Loans rescheduled during the period - do not compare with any current MAXMONEY report
Namibia Dollar value of loan rescheduled during the period - do not compare with any current MAXMONEY report.This is the loans which were rescheduled during the period. Refer to the loan log.
Number of Loans written off as bad debt during the period Namibia Dollar value of bad debts written off during the period Number of Loans rescheduled during the period Namibia Dollar value of loan rescheduled during the period 0 0 0 0
PART 5: Borrower Information
5.1 Breakdown of borrowers
by gender
Indicate the
number and Namibia Dollar value of new loans disbursed to male and female
borrowers for the reporting quarter.
Numbers of Loans Namibia Dollar Value of Loans Disbursements to Women borrowers 0 0 Disbursements to Men borrowers 0 0 Disbursements to Unknown borrowers 0 0
5.2 Loan breakdown by
purpose of borrowing
Indicate the number and Namibia Dollar
value of new loans disbursed for each of the categories, i.e. what was the loan
needed for?
5.3 Indicate
% of loans secured in each of the categories
What %
of total new loans disbursed where secured by the lender by taking a cession or
pledge of any type of security.
PART
6: Lenders’ other Business Interests
6.1 Indicate what
other business the shareholders and/or directors are involved in other than
microlending.
Sale of Furniture Cash converting Insurance Debt Collection Other (specify) 0.00 0.00 0.00 0.00 0.00
6.2 Indicate microlender’s number of
registered branches/ offices including main office/head office as at reporting
period.
Note: All fields marked with * are not generated by the MaxMoney System, but by the user, and therefore we cannot guarantee the correctness of the information in these fields.
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