Shortened Customized MicroTest Report for: MicroTest Member X MicroTest – Our Mission and Members
MicroTest’s mission is to improve the quality of microenterprise services and the stability of microenterprise organizations over time by promoting the use of common measures to regularly assess performance. This customized report is meant to help you reflect on your performance and identify areas for improvement. This report documents your program’s performance over time using the MT framework: Target Market Reach; Scale; Credit Program Effectiveness; Training Program Effectiveness; Costs and Efficiency; and Sustainability. Each section starts with your program’s trend data then compares that trend data to the MT median and top performance (T.P.) for the particular measure and concludes by comparing your program’s most recent year’s data to the median performance of your peer groups. Top performance indicates that at least 20% of MT programs achieved at least that level of performance for the particular measure. The table and pie charts below summarize the current composition of MicroTest. At the bottom of the page you can find your peer groups*.
MICROTEST MEMBERS Total MT membership MicroTest members submitting FY01 Data
The Four MicroTest Peer Groups (FY2001 Data)
Methodology N = 63
CreditLed 52% TrainingLed 48%
75 63
Program Age N = 63
Young 34%
Mature 32%
Exper'd 34%
Geographic Focus
N = 63
Poverty Focus N = 51 Low 55%
Urban 40%
Rural 26%
Dual Area 34%
LowMod 45%
Your Program Is: Mature (n = 23), Training-led (n = 32), Dual area (n = 20) and Low-mod income (n = 28) *Young programs started in or after 1996; mature programs started before 1992; experienced programs started between 1992 and 1995. At least 40% of the clients of low-income focused programs have incomes below 150% of poverty. Low-mod programs serve a smaller percentage of clients at this level of poverty. Page - 1 - of 10
Shortened Customized MicroTest Report for: MicroTest Member X
Reaching Target Groups
This section of your report helps you to see who, according to key client characteristics, your program has served, and to reflect on the extent to which your program is fulfilling its outreach mission. Because your mission influences who you serve, please write your mission in the space provided in order to refer back to it as you read this report.
ORGANIZATION MISSION (fill in): ________________________________________________________________________ ________________________________________________________________________ ________________________________________________________________________ ________________________________________________________________________ ________________________________________________________________________
The first table below provides all available years of MicroTest data on the demographic characteristics of your clients. The green column in Table 1 is for you to enter estimated year-end program goals according to indicated measures.
Table 1
TARGET MARKET TREND DATA: CLIENT DEMOGRAPHICS Measure Total Clients Served % Women Served % Minorities Served % Low Income (100% of HHS) % Low Income (150% of HHS) % Low Income (80% of HUD) % of TANF Clients 1998 NA NA NA NA NA NA NA 1999 157 94% 36% 23% 45% 80% 8% 2000 153 95% 24% 18% 31% 78% 3% 2001 315 91% 34% 8% 17% 39% 1% Your Program Goal
Do these trends reflect where your program wants to go in terms of outreach to women, minorities, and low-income populations?
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Shortened Customized MicroTest Report for: MicroTest Member X
The graph below shows how your targeting performance has changed since you began MicroTest. The graph contains your program’s data, the median targeting of all MicroTest members, and the top 1/5 of all MicroTest programs for the particular measure.
Graph 1: Women Clients as a Percent of All Clients Served
MT % Women Your % Women 95% 91% 84% 80% T.P. % Women
100% 90% 80% 70% 60% 50% 40%
94% 79%
56%
60%
56%
1999
2000
2001
The Table below compares your program’s most recent MicroTest targeting data regarding your clients’ demographics to the median targeting data for your peer groups.
Table 2
TARGET MARKET REACH Your Program 2001 315 91% 34% 8% 17% 39% 1% Dual Area Program 300 54% 44% 20% 32% 58% 3% Mature Program 255 66% 32% 20% 34% 64% 6% TrainingLed Program 210 78% 52% 23% 42% 70% 6% LowModerate Income Focused Program 208 52% 37% 11% 26% 57% 2%
Measure
Total Clients Served % Women Served % Minorities Served % Low Income (100% of HHS) % Low Income (150% of HHS) % Low Income (80% of HUD) % TANF Clients
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Shortened Customized MicroTest Report for: MicroTest Member X
Credit Program Effectiveness
This section of your report focuses on the effectiveness of your credit program. It provides data on the size of your microfinance portfolio, the quality of your portfolio, and how the level of risk in your portfolio influences portfolio quality. The following table shows all available years of MicroTest data on the effectiveness of your microlending program.
Table 1
CREDIT PROGRAM EFFECTIVENESS TREND DATA Measure Total Loans Outstanding at end of FY % of Total Portfolio at Risk Restructured Loan Rate (%) Loan Loss Rate (%) % of Portfolio Outstanding to Start-up Businesses* 1998 NA NA NA NA NA 1999 17 40% 26% 0% 59% 2000 17 56% 27% 7% 68% 2001 18 16% 6% 1% 53% Your Program Goals
*This measure is an indicator of risk in your portfolio and is there to help you evaluate your results with respect to the measures of Portfolio at Risk (PAR); Restructured Loan Rate; and Loan Loss Rate.
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Shortened Customized MicroTest Report for: MicroTest Member X
The following graph shows how a key measure of your portfolio quality has changed over time, relative to the median for all MicroTest, and to the top 1/5 of all MicroTest programs for the particular measure. The percent of portfolio outstanding to start-ups (% to S. Ups) is included as a potential indicator of risk.
Graph 1: Total Portfolio at Risk (%)
100%
80%
60% Your % to S. Ups MT % to S. Ups
40%
20%
Your PAR MT PAR T.P. PAR 1999 2000 2001
0%
The table below compares your program’s most recent MicroTest data regarding your credit program’s effectiveness to the median data for your peer groups.
Table 2
CREDIT PROGRAM EFFECTIVENESS Your Program 2001 18 16% 6% 1% 53% Dual Area Program 50 8% 4% 1% 49% Mature Program 50 14% 3% 2% 39% TrainingLed Program 23 12% 0% 0% 55% LowModerate Income Focused Program 54 13% 3% 4% 29%
Measure Total Loans Outstanding at FY End Total Portfolio at Risk Rate Restructured Loan Rate Loan Loss Rate % of Portfolio Outstanding to Start-Up Businesses*
* This measure is an indicator of risk in your portfolio and is there to help you evaluate your results with respect to the measures of Portfolio at Risk (PAR); Restructured Loan Rate; and Loan Loss Rate. Page 5 of 10
Shortened Customized MicroTest Report for: MicroTest Member X Training Program Effectiveness
This section of your report focuses on the effectiveness of your training program. It provides data on the size of your training program and assesses the extent to which your program has been effective at assisting clients to achieve key training objectives.
Table 1
TRAINING PROGRAM EFFECTIVENESS TREND DATA Measure Total Number of Graduates Total Number of Trainees Completing Business Plans Training Completion Rate Business Plan Completion Rate 1998 NA NA NA NA 1999 108 33 65% 20% 2000 104 25 67% 16% 2001 173 60 80% 35% Your Program Goals
The following graph shows how a key measure of your Training Program’s effectiveness has changed over time, relative to the median for all MicroTest programs, and to the top 1/5 of all MicroTest programs for the particular measure.
Graph 1: Training Completion Rate
MT TCR 100% 90% 80% 70% 60% 50% 40%
1999 2000 2001
Your TCR 89%
T.P. TCR 96% 86% 80%
94%
74% 65%
79% 67%
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Shortened Customized MicroTest Report for: MicroTest Member X
The table below compares your program’s most recent MicroTest data regarding your Training Program’s effectiveness to the median data for your peer groups.
Table 2
TRAINING PROGRAM EFFECTIVENESS Your Program 2001 173 60 80% 35% Dual Area Program 113 46 90% 46% Mature Program 113 60 83% 64% TrainingLed Program 102 42 85% 61% LowModerate Income Focused Program 91 60 80% 66%
Measure
Total Number of Graduates Total No. of Trainees Completing Business Plans Training Completion Rate Business Plan Completion Rate
Program Cost and Efficiency
This section of your report concerns performance measures that describe the cost and efficiency of your program. It allows you to see the investment your program makes to train one client, assist one business and disburse one loan. It is meant to help you understand how much your program spends to deliver core services, and how efficiently your program uses internal resources. The following table shows all available years of key MicroTest efficiency measures for your program.
Table 1
COST AND EFFICIENCY MEASURES Measure Cost per Participant Cost per Client Cost per Business Development Training Client Cost per Loan Operational Cost Rate* Clients per Direct Service Provider 1998 NA NA NA NA NA NA 1999 NS $2,118 $931 $18,638 1.11 157 2000 $798 $2,816 $2,013 $12,076 .97 50 2001 $1,218 $1,956 $1,923 $11,837 .67 57 Your Program Goals
*Operational Cost Rate is a ratio that describes how much it costs a program to make and manage one dollar that is outstanding in its microloan portfolio. Page 7 of 10
Shortened Customized MicroTest Report for: MicroTest Member X
The following graph shows how a key measure of your program’s efficiency has changed over time, relative to the median for all MicroTest programs, and to the top 1/5 of all MicroTest programs for the particular measure.
Graph 4: Operational Cost Rate
MT OCR
2
Your OCR
T.P. OCR
1.11
1
0.97 0.87 0.81 0.67 0.28
0.9
0.43
0 1999
0.34
2000
2001
The table below compares your program’s most recent MicroTest data regarding your program’s efficiency to the average data for your peer groups.
Table 2
COST AND EFFICIENCY MEASURES Your Program 2001 $1,218 $1,956 $1,923 $11,837 .67 57 Dual Area Program $1,083 $1,934 $702 $6,017 .67 59 Mature Program $1,306 $2,898 $1,923 $8,312 .92 48 TrainingLed Program $1,098 $1,945 $1,295 $7,244 1.96 56 LowModerate Income Focused Program $1,239 $2,531 $1,511 $6,017 .98 39
Measure
Cost per Participant Cost per Client Cost per Business Development Training Client Cost per Loan Operational Cost Rate Clients per Direct Service Provider
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Shortened Customized MicroTest Report for: MicroTest Member X Program Sustainability – Self Sufficiency
This section of your custom report from MicroTest looks at your program’s sustainability – the capacity to continue to offer services to clients over time. It focuses on two components to sustainability, selfsufficiency and funding diversification. Self-sufficiency ratios provide a sense of the current level of cost recovery from income your program generates. Funding diversification ratios reflect the different funding stream your program relies on to meet all of its resource requirements, including internally generated revenue. The following tables show all available years of key MicroTest sustainability measures for your program.
Table 1
PROGRAM SUSTAINABILITY MEASURES: SELF-SUFFICIENCY MEASURES Measure Operational Self-Sufficiency (%) Training Program Cost Recovery (%) Total Program Cost Recovery (%) 1998 NA NA NA 1999 14% 15% 14% 2000 13% 7% 9% 2001 15% 5% 6% Your Program Goals
Graph 1: Operational Self-Sufficiency
MT OSS 80%
Your OSS
T.P. OSS
60%
60% 46%
40%
41%
20%
19% 14% 14% 13%
2000
18% 15%
0% 1999 2001
Operational Self-Sufficiency represents a lending program’s ability to cover the operating costs of its credit program with internally generated income.
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Shortened Customized MicroTest Report for: MicroTest Member X
The table below compares your program’s most recent MicroTest data regarding your program’s sustainability to the median data for your peer groups.
Table 2
SELF-SUFFICIENCY MEASURES Your Program 2001 15% 5% 6% Dual Area Program 16% 0% 11% Mature Program 18% 1% 8% TrainingLed Program 10% 2% 3% LowModerate Income Focused Program 16% 1% 11%
Measure
Operational Self-Sufficiency Training Program Cost Recovery Total Program cost Recovery
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