Analytical - Trend Analysis

Trend analysis.

The report allows you to observe the dynamics of portfolio changes in a given mode: weekly, monthly, quarterly, yearly. Indicators: average portfolio amounts in the period, number of clients, loans, growth, decline, ratio of indicators. In the report interface, you fill in the required period, you can use a filter to select a specific loan officer, and also specify the division into sub-periods: week, month, quarter, year, period.

Average loan portfolio amount = ((Loan portfolio at the beginning of the period) + (Loan portfolio at the end of the period)) / 2

Loan portfolio growth percentage = ((loan portfolio at the end of the period) – (loan portfolio at the beginning of the period)) / (loan portfolio at the beginning of the period) * 100%

New clients growth percentage = ((number of new clients at the end of the period) – (number of new clients at the beginning of the period)) / (number of new clients at the beginning of the period) * 100%

Disbursement amount growth percentage = ((disbursement amount of the current period) – (disbursement amount of the previous period)) / (disbursement amount of the previous period) * 100%

Portfolio at risk CGAP – this is the active loan amount where the principal is overdue (loans that have only overdue interest and no overdue principal are not included here)

Repayment rate = ((Actually repaid principal) - (repaid arrears in the current period from the previous period) - (early repayments of the current period for the future) + (early repayments of the previous period for the current)) / (scheduled principal repayments)

Number of created and preserved jobs – job information is saved in the loan application before receiving the loan. For calculation, only those active loans are taken that have at least one repaid loan. If there were 7 jobs in the previous application and 10 in the current one, then 7 are considered preserved jobs, and 3 are newly created.

Clients who left during the period are those whose departure period, set by a user-defined constant in the system, expired during this period. For example – the departure period is 3 months, then clients who left in May are those who repaid their last loan in February and did not take any more loans.