Consolidated Assessment of UPK Revolving Loan Funds in Indonesia for their Financial Performance and Capacity Building Needs

This is the final consolidated report of an extensive program to assess the financial performance and capacity building needs of the UPK Revolving Loan Funds under the PNPM Mandiri project. As explained in the report, the assessment program covered...

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Bibliographic Details
Main Author:	World Bank
Format:	Report
Language:	English en_US
Published:	Washington, DC 2015
Subjects:	HOLDING BORROWER INTEREST INCOME BANK LINKAGE EQUIPMENT ACCOUNTING CHECKS DEPOSITS DEMAND FOR CREDIT DEFAULTS INTEREST RATE OF RETURN SUPERVISORY BOARD REPAYMENTS REVENUES PORTFOLIO CAPACITY BUILDING LOAN MICRO‐FINANCE INSTITUTIONS BUDGET CONSTRAINTS LOAN AMOUNT BORROWERS GOVERNMENT ASSETS INFORMATION SYSTEMS GOVERNMENT SUPPORT LOAN APPRAISALS DEMAND FOR FUNDS REVOLVING FUNDS CONVERSION HUMAN RESOURCE CREDIT COOPERATIVE GOVERNMENT POLICY FINANCIAL INSTITUTION BANK LINKAGES HYPOTHECATION COOPERATIVE BANKS LOAN PRODUCTS FINANCES FINANCIAL INSTITUTIONS DEBT LOCAL GOVERNMENT SETTLEMENT LOAN REPAYMENTS INCOME LEVELS MONEYLENDERS LOAN SIZES RESERVE REQUIREMENT LEGAL FRAMEWORK LOAN TERMS TRANSACTIONS INDIVIDUAL LOAN MICRO‐CREDIT PREPAYMENTS INTEREST PAYMENTS GOOD TURNOVER FUTURE CONFLICTS OF INTEREST FINANCIAL PERFORMANCE DISBURSEMENTS LIQUIDITY MANAGEMENT FINANCIAL SERVICE PROVIDERS LOAN PORTFOLIO ACCOUNTANT REPAYMENT RECORD INSTITUTIONAL CAPACITY IMPLICIT SUBSIDY LOAN PERIOD GRACE PERIOD MICROCREDIT INSURANCE MICROFINANCE PERSONAL GUARANTEES LOAN RECOVERY FIDUCIARY RESPONSIBILITY DEGREE OF RISK LOAN APPLICATIONS COMMERCIAL BANKS MONEYLENDER LOAN SIZE LOAN BALANCE LOAN AMOUNTS COLLECTION PROCESSES CAPITAL GROWTH CASH BALANCES COLLATERAL FREE LOANS LENDING LIQUIDITY RATIO GROUP BORROWERS CAPITAL INVESTMENT LOANS TO INDIVIDUAL LIABILITIES ARREARS CASH FLOW DEVELOPMENT BANK MICROFINANCE INSTITUTION MONEY LENDERS NON‐PERFORMING LOANS MICRO‐LOANS DEPOSIT LIABILITY NPL GOVERNMENT GRANT JOINT LIABILITY RURAL BORROWERS FINANCIAL MANAGEMENT OUTSTANDING LOAN OVERDUE LOAN INFORMATION SYSTEM GUARANTEES INTEREST RATE EXCHANGE REVOLVING FUND BANKING SYSTEM LIQUIDITY BANK ACCOUNT LOAN PRODUCT MICRO‐FINANCE FINANCIAL STATEMENTS TAX RESERVE CREDIT PERFORMANCE INFLATION GROUP LOAN MICROFINANCE INSTITUTIONS BUDGET OVERDUE LOANS CREDIT RATINGS LOCAL BANKS DISBURSEMENT PORTFOLIOS CONTRACTS INTEREST RATES OPTIONS RETURN EXCESS LIQUIDITY LENDERS LOANS RESERVES FINANCIAL SYSTEM FINANCE RETURN ON ASSETS LENDING CYCLES PORTFOLIO QUALITY PUBLIC INVESTMENT SMALL LOANS EQUITY LOAN REPAYMENT FRAUD CREDIT ASSESSMENT LOAN APPRAISAL ACCESS TO CAPITAL FINANCIAL SECTOR INDICATOR RETURNS INTERNAL SAVINGS REPAYMENT ASSET QUALITY PROPERTY FUND MANAGEMENT BALANCE SHEET NON‐PERFORMING LOAN DEFAULT MARKET PERSONAL PROPERTY RURAL BANK LOAN DEMAND BANK ACCOUNTS INTERESTS LEVEL OF COMMITMENT FIXED ASSETS SECURITY GOVERNMENT SUBSIDIES LOSS STATEMENT INVESTMENT HUMAN RESOURCES INTERNAL AUDIT BALANCE SHEETS BANKING INSTITUTION COLLATERAL FINANCIAL INFORMATION POVERTY COLLECTION PROCEDURE INSTITUTIONAL DEVELOPMENT REVENUE PROFIT RISK MANAGEMENT CHECK CREDIT‐ WORTHINESS REPAYMENT PERFORMANCE RURAL BORROWER EXCHANGE RATE INSTRUMENT OUTSTANDING LOANS PROFITS BUSINESS PLANNING LOANS FROM BANKS HUMAN RESOURCE QUALITY ADMINISTRATIVE CONTROL
Online Access:	http://documents.worldbank.org/curated/en/2015/04/24424323/pnpm-mandiri-consolidated-assessment-upk-revolving-loan-funds-indonesia-financial-performance-capacity-building-needs http://hdl.handle.net/10986/21975