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The MicroBanking Bulletin (MBB) The MicroBanking Bulletin is one of the principal outputs of the MIX (Microfinance Information eXchange). The MIX is a non-profit organization that works to support the growth and development of a healthy microfinance sector. The MIX is supported by the Consultative Group to Assist the Poor (CGAP), Citigroup Foundation, Deutsche Bank Americas Foundation, Open Society Institute, Rockdale Foundation and others. To learn more about the MIX, please visit the website at www.themix.org. MBB Purpose By collecting financial and portfolio data provided voluntarily by leading microfinance institutions (MFIs), organizing the data by peer groups, and reporting this information, the MIX is building infrastructure that is critical to the development of the microfinance sector. The primary purpose of this database is to help MFI managers and board members understand their performance in comparison to other MFIs. Secondary objectives include establishing industry performance standards, enhancing the transparency of financial reporting, and improving the performance of microfinance institutions. Benchmarking Services To achieve these objectives, the MIX provides the following benchmarking services: 1) the Bulletin publication; 2) customized financial performance reports; and 3) network services. MFIs participate in the MicroBanking Bulletin on a quid pro quo basis. They provide the MIX with information about their financial and portfolio performance, as well as details regarding accounting practices, subsidies, and the structure of their liabilities. Participating MFIs submit substantiating documentation, such as audited financial statements, annual reports, ratings, institutional appraisals, and other materials that help us understand their operations. With this information, we apply adjustments for inflation, subsidies and loan loss provisioning in order to create comparable results. Data are presented in the Bulletin anonymously within peer groups. We do not independently verify the information. Neither the MIX nor its funders can accept responsibility for the validity of the information presented or consequences resulting from its use by third parties. In return, participating institutions receive a comparative performance report. These benchmark reports, which are the primary output of this project, explain the adjustments we made to the data, and compare the institution’s performance to that of peer institutions. MFI managers and board members use these tools to understand their institution’s performance in a comparative context. The third core service is to work with networks of microfinance institutions (i.e., affiliate, national, regional) and central banks to enhance their ability to collect and manage performance indicators. The MIX provides this service in a variety of ways, including 1) training these organizations to collect, adjust and report data on retail MFIs at the local level and use the MIX’s performance monitoring and benchmarking software, 2) collecting data on behalf of a network, and 3) providing customized data analysis to compare member institutions to peer groups. This service to networks and regulatory agencies allows the MIX to reach a wider range of MFIs in order to improve their financial reporting. New Participants Institutions that wish to participate in the Bulletin should contact: info@mixmbb.org, Tel +1 202 659 9094, Fax +1 202 659 9095. Currently, the only criterion for participation is the ability to fulfill fairly onerous reporting requirements. We reserve the right to establish minimum performance criteria for participation in the Bulletin. Bulletin Submissions The Bulletin welcomes submissions of articles and commentaries, particularly regarding analytical work on the financial performance of microfinance institutions. Submissions may include reviews or summaries of more extensive work elsewhere. Articles should not exceed 2,500 words. We also encourage readers to submit responses to the content of this Bulletin, as well as previous issues. To Subscribe You can receive the Bulletin by: • Downloading the current or any past edition in electronic format from www.mixmbb.org; • Signing up online at www.mixmbb.org (click on “Receive MBB Issue” and fill-in the appropriate information); • Sending an email to info@mixmbb.org; • Contacting us by phone at +1 202 659 9094 or by fax at +1 202 659 9095.
TREND LINES ISSUE NO. 10 MARCH 2005 THE MICROBANKING BULLETIN A PUBLICATION DEDICATED TO THE PERFORMANCE OF ORGANIZATIONS THAT PROVIDE BANKING SERVICES FOR THE POOR EDITORIAL STAFF Editor: Didier Thys Associate Editor: Blaine Stephens The MicroBanking Bulletin is housed within the MIX (Microfinance Information eXchange). To learn more about the MIX, please visit the MIX website at www.themix.org.
Page 1 and 2: Trend Lines THE MICROBANKING BULLET
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Page 13 and 14: FEATURE ARTICLE applies to all MFIs
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BULLETIN TABLES Index of Terms and
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BULLETIN TABLES Index of Indicators
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BULLETIN TABLES Peer Groups - 2002
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APPENDICES MFIs that borrow from ba
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APPENDICES Statistical Issues The B
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