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Maquita in figures: september 2011
Geographical location: Quito, Ecuador Target: Specially women located in marginal-urban areas
No. Clients: 48.084 No. Credit clients: 6.816
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Comprehensive risk management
Liquidity Risk Credit Risk Market Risk Operative Risk
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Comprehensive risk management: Liquidity risk
Cash flow (projected cash inflows and outflows)
Calculation of structural liquidity report (volatility and concentration)
Liquidity gap calculation Contractual stage Dinamic stage Expected stage
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Comprehensive risk management: Credit risk
Parametric analysis to calculate affordability analysis Development of scoring models to determine individual
tolerable risk (demographic and payment experience) 1st model: logarithmic based 2nd model: decision trees (payment score / application
score) basedNote: credit bureau support
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Comprehensive risk management: Market risk / Operative risk
Measure sensitivity to changes in the loop of interest
Process mapping Definition of risk-generating activities Determination of frequency events Event severity estimation Selection Process Improvement Measuring individual staff debt Intensive training processes
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Comprehensive risk management: Operative risk
Incentive plan design based on the minimization of errors in processes
Implementation of internal audit Implementation of external audit Part of the self regulation project (Red Financiera Rural) Develop rules of procedure (guidelines) Implementation of the risk unit Staff especialization comprehensive risk management
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Comprehensive risk management: Results
Best external perception of risk: Financial risk
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Comprehensive risk management: Results
Mix market rate: 5 diamonds Red Financiera Rural rate: AA Guides / Manuals:
Investments Credit Risk Liquidity risk Internal control Payers and receivers Collect Technologic risk
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CONTINUOUS IMPROVEMENT FINANCIAL SUSTAINABILITY SOCIAL PERFORMANCE
RISK MANAGEMENT RESULTS
