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evsjv‡`k Dbœq b mgx¶v - BIDS

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174<strong>evsjv‡`k</strong> <strong>Dbœq</strong>b mgxv(Portfolio at risk over 30 days) M‡o 4.5 kZvsk, hv wKbv c~e© I ga¨ Gwkqvi AvÂwjK M‡oi(1.9 kZvsk) cÖvq AvovB ¸Y A_ev ga¨cÖvP¨ Ges DËi Avwd«Kvi (2.1 kZvsk) wظ‡YiI†ewk| 3 mviwY 5 †_‡K ejv hvq, 2005 †_‡K 2007 GB wZb eQ‡i gvB‡µvwdb¨vÝcÖwZôvb¸‡jvi jwMœc‡Îi ¸YMZgvb K‡g‡Q, hv write off ratio Ges loan loss rate evovigva¨‡g cÖKvk †c‡q‡Q|mviwY 5gvB‡µvwdb¨vÝ cÖwZôvb¸‡jvi jwMœc‡Îi ¸YMZgvbjwMœc‡Îi gvb 2005 2006 2007jwMœc‡Îi SzuwK - 30 w`‡bi †ewk (%) 2.2 2.1 4.5jwMœc‡Îi SzuwK - 90 w`‡bi †ewk (%) 1.8 1.7 3.4Write off ratio (%) 1.7 1.3 2.1Loan loss rate (%) 0.9 1.0 2.0Risk coverage ratio (%) 794.4 440.5 100.6Drm: Mix market data of 2005-07 trend lines MFI benchmarks|3.2| gvB‡µvwdb¨vÝ cÖwZôvb¸‡jvi e¨vwß, Avw_©K Dr‡mi aib Ges ¯’vwqZ¡kxjZvgvB‡µvwdb¨vÝ cÖwZôvb¸‡jvi ¯’vwqZ¡kxjZvi e¨vcv‡i Av‡jvPbv Ki‡Z †M‡j `yÕai‡bigZv`‡k©i g‡a¨ (two school of thoughts) wfbœZv j Kiv hvq| cÖ_g gZ n‡”Q,DcKvi‡fvMx‡`i c‡ (instended beneficiary)― hv DcKvi‡fvMx cwiev‡ii Dci z`ªF‡YicÖfv‡ei Dci ¸i“Z¡ Av‡ivc K‡i| wØZxq gZ n‡”Q, ga¨¯’vZvKvix‡`i (Intermediary) c‡ hvFY`vbKvix cÖwZôv‡bi e¨vwß Ges ¯’vwqZ¡kxjZvi Dci ¸i“Z¡ Av‡ivc K‡i (Hulme and Mosley1996)|evsjv‡`‡ki †‡Î †`Lv hvq †h, gvB‡µvwdb¨vÝ cÖwZôvb¸‡jv cwiYZ (Maturity) nevimv‡_ mv‡_ GB Lv‡Zi cÖe„w× µgvMZ evo‡Z ïi“ K‡i‡Q| GKB mv‡_ cÖwZôvb¸‡jvi m`m¨msL¨v Ges FYMÖnxZvi msL¨v AcÖZ¨vwkZ nv‡i e„w× †c‡q‡Q Ges GB Kvi‡Y gvB‡µvwdb¨vÝcÖwZôvb¸‡jvi bZzb bZzb Lv‡Z FY Kvh©µg m¤cÖmvwiZ K‡i‡Q Ges F‡Yi aib I †mevi gvbcwieZ©b Ki‡Q|3.2.1| gvB‡µvwdb¨vÝ cÖwZôv‡bi e¨vwß (Outreach)†KejgvÎ eûmsL¨K gvB‡µvwdb¨vÝ cÖwZôvb¸‡jvi z`ªFY Kvh©µg cwiPvjbv `Zv QvovIGme cÖwZôv‡bi kvLvi evrmwiK e„w× †Pv‡L covi g‡Zv| 2007 mvj ch©š— bZzb kvLv D‡ØvabKivi †‡Î Zviv evrmwiK 27.42 kZvsk cÖe„w× AR©b K‡i‡Q (mviwY 6)|3 Mix market data of 2005-07 trend lines MFI benchmarks. www.mixmarket.org.

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