Portfolio and risk reports
PAR, aging, arrears, balances outstanding and loan classification.
The reports boards, managers and regulators look at first. See portfolio at risk in the glossary.
| Report | What it shows |
|---|---|
| Portfolio at risk | Outstanding balance of loans in arrears, bucketed by days overdue, as a share of the portfolio. |
| Portfolio at risk by branch | The same, compared across branches. |
| Arrears | Every loan with overdue amounts, how much and how long. |
| Aging detail | Each overdue loan with its age of arrears. |
| Aging summary (in months / in weeks) | Arrears totals grouped by age band. |
| Balance outstanding | Principal, interest, fees and penalties outstanding per loan. |
| Loan classification by product | Portfolio split by product and classification — useful for regulator returns. |
| Overdue mature loans | Loans past their final date with money still owed. |
| Active past maturity loans (detail / summary) | Active loans whose term has ended. |
Collection sheet
The collection sheet lists every member or group with an amount due on a date — print it before a center meeting or collection round, collect, then post the repayments.
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