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Micro-finance organizations are becoming more and more concerned with financial viability. This lesson discusses the costs and revenues associated with credit activities and the importance of achieving self-sufficiency and high productivity.

Micro-finance organizations are generally involved in two primary activities: credit and savings. For the purpose of this lesson, it is assumed that no voluntary savings are provided by the organization and all savings collected are simply a requirement of receiving credit. Any other activities which occur at the branch are excluded from the analysis which is explained here.

Topics covered include:

  • Revenue
  • Expenses
  • Financial viability
  • Operational self-sufficiency
  • Cost of capital
  • Financial self-sufficiency
  • Trend analysis
  • Productivity analysis