1 / 20

Micro Credit Organization "A-Invest" Activity Results 2004-2007 | Financial Strategy & Achievements

Explore the progress and achievements of Limited Liability Company Micro Credit Organization "A.-.INVEST" from 2004 to 2007, focusing on financial performance, strategic plans, and loan products. Learn about the company's mission, structure, and future goals.

lore
Download Presentation

Micro Credit Organization "A-Invest" Activity Results 2004-2007 | Financial Strategy & Achievements

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Micro Credit Organization “A-Invest” Activity results of the company   from 2004 to 2007

  2. The Limited Liability company Micro credit Organization «A - INVEST» is the legal entity, carrying out activity on giving credits and works by the regulation of the Law of Republic of Kazakhstan «About Micro Credit Organization» established in March,6,2003, № 392.. Maximum amount of micro credit per one borrower should not exceed thousand-fold rate of the monthly minimum specified rate authorized by the Law of the Republic of Kazakhstan «On Republican budget» for a certain fiscal year , for 2008 it is = 1168 tenge, 9 344 000 tenge per one borrower (77 866 USD, 1USD=120KZT) . MCO «A - INVEST» began it's activity in January 05, 2004.The authorized capital is 20 000 000 tenge (167 000 USD). The certificate on state registration № 20527 - 1958 - ТОО from September 26, 2003. The head office is located in The South Kazakhstan Oblast, Shymkent, micro district Karasu, house № 54/42. The Registration Number of Tax-payer - 582100226786 Bank Identifier Code - 195801307 Current Accounts – in USD 302070224, in KZT 026467874 in the South Kazakhstan Branch of Joint – Stock Company «Bank Turan Alem» MCO «A - INVEST» is the member of Association of Microfinance Organization of Kazakhstan. www.a-invest.kz

  3. The Mission of the CompanyOne of the main purposes of Micro credit Organization «A - INVEST» is to support the small and average business in Kazakhstan to bring in the contribution to strengthening stability and prosperities of the national economy.

  4. Development strategy of the Company for 2008-2012 • To have branches in all regional centers of Kazakhstan • To reach assets up to 3,6 – 4,2 billion tenge (30-35million USD)

  5. Necessary resources for achievement of the purposes of strategy

  6. Achievements and lacksof the Company in 2004-2007

  7. The basic recommendations MicroFinanza Rating(www.microfinanzarating.com )

  8. The Head of the Legal Department HR Manager Methodology and business process manager Organizational Structure of the Company Shareholders Board of Directors Credit Committee Directors Director Financial director Branch network managing director Strategic managing director Internal Audit Service Accounting and Reporting Department Support and development of the branch network Department Risk Management Investment Management Branches Sub offices IT Management Marketing service

  9. Carrying out the international audit Introduction of the new organizational structure Branch out Shymkent according to the new structure and division company to the centers of profit and centers of expenses Branch out in Taraz and/or Kyzylorda *** Increasing of the loan portfolio up to 3,34mUSD*** Plans for 2008 *** Note: in condition of sufficient funding

  10. Dynamics of balance for 2004-2007(in thousands USD) * - the results of 2007 are preliminary and will be corrected

  11. in thousands USD

  12. Dynamics of income and expenses for 2004-2007(in thousand tenge) * - the results of 2007 are preliminary and will be corrected

  13. in thousands USD

  14. Working DIRECT MORTGAGE loans Terms of loan: up to 2 years trenches: single loan Credit security:real estate Express loans: Terms of loan : up to 1 year Target group: The businessmen trading on the markets Credit security : Trade boutique and shifting stock of merchandise , group guarantee Special conditions : obligatory confirmation of income as realization of financial analysis MOTOR TRANSPORTS MORTGAGE MICRO CREDIT (Altered)): Terms of loan : up to 6 months Credit security : Motor transport is accepted as security. Such motor transport is kept on MCO garage within the whole crediting period. In development: Credit line: Terms of line: up to 5 years Tranches : up to 2 years Number of tranches: no restrictions, with quarterly monitoring Credit security : real estate Singularity: convenience for client – registration of real estate only 1 time Budget express: Terms of loan : up to 1 year target group: budget workers Credit security : salary, group guarantee of colleagues Special conditions : obligatory confirmation of income as pension payments and report of credit bureau Description of loan products

  15. 2% 2% 3% 3% 3% 3% 2% 2% 1% 1% Express loans at market JSC Express loans at market JSC “ “ Bazar Bazar ” ” (2,10%) (2,10%) Express loans at market Express loans at market « « Eurasia Eurasia » » (2,72%) (2,72%) Express loans at market Express loans at market « « Begzhan Begzhan » » (2,32%) (2,32%) Express loans at market Express loans at market « « Samal Samal » » (1,35%) (1,35%) DIRECT MORTGAGE loans DIRECT MORTGAGE loans (88,46%) (88,46%) MOTOR TRANSPORTS CREDIT MOTOR TRANSPORTS CREDIT (3,04%) (3,04%) 89% 89% Analysis of loan portfolio for 01.01.08 Portfolio structure Total loan portfolio 1,945m USD

  16. Analysis of the loan portfolio for 01.01.08 Share in profits of credit products Total income 0,77m USD 3% 6% 5% 3% Express loans at market JSC “Bazar” (6,14%) 1% Express loans at market “Eurasia”(4,61%) Express loans at market “Begzhan” (3,18%) Express loans at market “Samal” (1,07%) DIRECT MORTGAGE loans (82,26%) MOTOR TRANSPORTS CREDITS (2,75%) 82%

  17. 5% 3% Direct mortgage loans (290 clients) Express loans (241clients) 50% Motor transport loans (18 clients) 42% Employees (27 clients) Analysis of the loan portfolio for 01.01.08 Distribution of the loan portfolio by the credit products and clients (total portfolio 1 945m USD, total number of clients 576)

  18. Analysis of the loan portfolio for 01.01.08 Profitableness of the loans products (in%) 18,00 16,00 14,00 12,00 10,00 8,00 6,00 4,00 2,00 0,00 1 2 3 4 5 6 7 8 9 10 11 12 среднее Express loans at market JSC “Bazar” DIRECT MORTGAGE loans Express loans at market “Eurasia” Express loans at market “Samal” MOTOR TRANSPORTS CREDITS Express loans at market “Begzhan” Total portfolio

  19. 5,30% 0,16% trade (58,8%) Loans for consumption (38,12%) 37,19% service (2,9%) 57,34% agriculture (0,17%) Distribution of the loan portfolio by the branches of economics(total portfolio1 945m USD) Analysis of the loan portfolio for 01.01.08

  20. Analysis of the loan portfolio for 01.01.08 Assignations in loan loss reserve (in thousand USD)

More Related