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MICROVIEW 29
Afghanistan Microfinance Association (AMA) is the national network of development finance Institutions in Afghanistan. AMA aims at promoting a sustainable development finance sector in Afghanistan through sector coordination and networking, knowledge management, lobbying and advocacy, and capacity building.
OVERVIEW
KEY INDICATORS MICRO CREDIT MICRO SAVINGS
01 02 03 08
INDICATORS - MICRO CREDIT
MICROFINANCE OUTREACH
11 13
Contents00
OVERVIEW
Quarter on Quarter Comparison
1Mic
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iew
Rep
ort
29
Year on Year Comparison
The report indicates both posi�ve and nega�ve trends in this
quarter. The Number of Ac�ve Clients, Savers, and Amount of
Severs, increased by 8.4%, 17.8%, and 7.4% respec�vely. FMFB
Afghanistan remained opera�onally self-sufficient
A total of 26,058 loans were disbursed showing decreased of 58%
compared to the 1st quarter of 2020. Helmand, Kandahar, and
Herat are the provinces with highest PAR of 100%, 67.6%, and
29.4% respec�vely.
Quarter Change
Quarter Change
KEY INDICATORS
All Development Finance Providers - As of June 2020
Micro
Vie
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Col um n1 Qua rter Col um n2 Cha ng e Col um n3
2020-Q2 2020-Q1 Unit %
Number of Clients 601,020 554,042 46,978 8.48%
Number of Active Savers 378,295 320,925 57,370 17.88%
Number of Active Borrowers 175,611 176,583 -972 -0.55%
Amount of Savings (AFN) 3,193,334,924 2,972,083,803 221,251,121 7.44%
Gross Loan Portfolio (AFN) 8,044,363,465 9,387,728,030 -1,343,364,565 -14.31%
PAR>30 days 15.3% 6.9% 8.4%
Average Loan Size (AFN) 45,808 53,163 -7,355 -13.84%
Gross Loan Portfolio Per Loan Officer (AFN) 6,309,305 6,620,401 -311,096 -4.70%
Number of Borrowers Per Loan Officer 138 125 13 10.60%
Number of Clients Per MF Staff 139 126 13 10.44%
Operationally Self-Sustainable Institutions 1 4
Col um n1 Qua rter Col um n2 Cha ng e Col um n3
2020-Q2 2019-Q2 Unit %
Number of Clients 601,020 413,847 187,173 45.23%
Number of Active Savers 378,295 255,105 123,190 48.29%
Number of Active Borrowers 175,611 157,793 17,818 11.29%
Amount of Savings (AFN) 3,193,334,924 3,024,976,317 168,358,607 5.57%
Gross Loan Portfolio (AFN) 8,044,363,465 10,349,620,583 -2,305,257,118 -22.27%
PAR>30 days 15.3% 8.1% 7.2%
Average Loan Size (AFN) 45,808 65,590 -19,782 -30.16%
Gross Loan Portfolio Per Loan Officer (AFN) 6,309,305 8,490,255 -2,180,950 -25.69%
Number of Borrowers Per Loan Officer 138 129 8 6.40%
Number of Clients Per MF Staff 139 154 -15 -9.54%
Operationally Self-Sustainable Institutions 1 3
Quarter on Quarter Comparison
Top 10 Provinces by Number of Active Borrowers Top 10 Provinces by Gross Loan Portfolio (AFN)
Summary of Micro Credit (All Afghanistan)
MICRO CREDIT
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4
Micro
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Tota l G roup Individua l Male F em ale
Number of Active Borrowers
2020-Q2 175,611 29,312 146,299 84,063 91,548
2020-Q1 176,583 34,784 141,799 98,512 78,071
Gross Loan Portfolio (AFN)
2020-Q2 8,044,363,465 617,750,551 7,426,612,914 6,359,640,559 1,684,722,906
2020-Q1 9,387,728,030 851,902,307 8,535,825,723 7,338,261,868 2,049,466,162
Portfolio At Risk > 30 days
2020-Q2 1,231,770,324
2020-Q1 650,651,574
Average Loan Size (AFN)
2020-Q2 45,808 21,075 50,763 75,653 18,403
2020-Q1 53,163 24,491 60,197 74,491 26,251
Number of Loans Disbursed
2020-Q2 26,058 1,097 24,961 6,292 19,766
2020-Q1 45,283 8,062 37,221 22,162 23,121
2020-Q2 678,864,361 35,664,834 643,199,527 519,610,353 159,254,008
2020-Q1 2,913,227,804 362,407,400 2,550,820,404 2,191,452,173 721,775,631
Number of Branches
2020-Q2 200
2020-Q1 178
Loan Amount Disbursed (AFN)
Provi nce 2020- Q 2 G rowth
Kabul 45,435 -11.12%
Balkh 29,636 -7.67%
Herat 13,544 29.91%
Badakhshan 11,841 -12.34%
Bamyan 10,239 25.23%
Nangarhar 9,361 40.72%
Jowzjan 7,860 -8.65%
Parwan 7,593 1.01%
Faryab 6,423 -9.83%
Baghlan 6,046 -9.82%
Provi nce 2020- Q 2 G rowth
Kabul 2,817,069,378 -16.06%
Balkh 1,506,561,321 -17.93%
Herat 580,920,726 -13.19%
Badakhshan 544,669,878 -12.60%
Jowzjan 389,088,401 -11.75%
Baghlan 379,541,036 -14.46%
Bamyan 350,816,106 0.12%
Faryab 325,230,655 -12.31%
Parwan 212,553,039 -18.24%
Samangan 201,174,161 -11.80%
6.8%8.1%
8.4%8.8%
15.3%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%
Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020
Portfolio At Risk > 30 days
98 94 99 84
55 56 78 92
-
40
80
120
160
200
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Number of Active Borrowersby Gender
Male Female
Tho
usa
nd
s7,765 7,638 7,338 6,360
1,924 1,970 2,049 1,685
-
4,000
8,000
12,000
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Gross Loan Portfolio
by Gender
Male Female
Mill
ion
s
Year on Year Comparison
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5 6
Micro
Vie
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8
79 81 74 76
35 35 26 18
-
40
80
120
160
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Gross Loan Portfolio / Borrower
by Gender
Male Female
Tho
usa
nd
s
36 36 35 29
117 115 142 146
-
50
100
150
200
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Number of Active Borrowers
by Lending Methodology
Group Individual
Tho
usa
nd
s
894 861 852 618
8,794 8,747 8,536 7,427
-
4,000
8,000
12,000
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Gross Loan Portfolio
by Lending Methodology
Group Individual
Mill
ion
s
25 24 24 21
75 76 60
51
-
40
80
120
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Gross Loan Portfolio / Borrower
by Lending Methodology
Group Individual
Tho
usa
nd
s
112 109 109 101
41 42 67 74
-
50
100
150
200
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Number of Active Borrowers
by Urban/Rural
Urban Rural
Tho
usa
nd
s
7,492 7,404 7,112 5,965
2,196 2,204 2,276 2,080
-
4,000
8,000
12,000
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Gross Loan Portfolio
by Urban/Rural
Urban Rural
Mill
ion
s
5628
46
46
0
30
60
90
120
Urban Rural
No. of Active Borrowers By Urban/Rural
(Genderwise)
Male Female
Tho
usa
nd
s
4,592
1,768
1,373
312
0
2,000
4,000
6,000
8,000
Urban Rural
Gross Loan Portfolio By Urban/Rural
(Genderwise)
Male Female
Mill
ion
s
Th
ou
san
ds
Mil
lio
ns
23
28
65
20
24
54
- 15 30 45 60 75
OXUS
FINCA
FMFB
Top 3 MFIs, MFBs, FIs
by Total Number of Active Borrowers
Q2-2020 Q2-2019
1,088
1,301
5,977
958
1,026
4,822
- 2,500 5,000 7,500
OXUS
FINCA
FMFB
Top 3 MFIs, MFBs, FIs
by Total Gross Loan Portfolio
Q2-2020 Q2-2019
Quarter on Quarter Comparison
Summary of Micro Savings (All Afghanistan)
8
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MICRO SAVINGS
Top 10 Provinces by Number of Active Savers Top 10 Provinces by Amount of Savings (AFN)
Total Male Female Urban Rural
2020-Q2 378,295 170,981 207,314 120,381 257,914
2020-Q1 320,925 160,657 160,268 120,101 200,824
2020-Q2 3,193,334,924 2,480,704,647 712,630,277 2,913,313,268 280,021,657
2020-Q1 2,972,083,803 2,325,824,193 646,259,610 2,738,759,347 233,324,456
2020-Q2 8,441 14,509 3,437 24,201 1,086
2020-Q1 9,261 17,401 9,634 23,219 2,155
Amount of Savings (AFN)
Average Saving Size (AFN)
Number of Active Savers
Province 2020-Q2 G rowth
Balkh 49,335 0.92%
Kabul 40,803 0.47%
Herat 32,321 6.89%
Bamyan 31,797 21.03%
Badakhshan 26,447 0.42%
Nangarhar 17,720 13.79%
Faryab 17,045 59.37%
Takhar 16,424 5.42%
Baghlan 14,468 0.22%
Jowzjan 12,261 26.17%
Province 2020-Q2 G rowth
Kabul 1,804,347,738 6.84%
Badakhshan 420,056,059 11.93%
Baghlan 289,198,828 6.82%
Balkh 185,918,032 3.94%
Bamyan 120,169,789 7.12%
Takhar 117,779,313 3.62%
Kunduz 74,504,299 5.88%
Herat 39,694,224 25.55%
Samangan 27,572,166 7.29%
Jowzjan 26,891,322 2.61%
102 84
56 92
0
50
100
150
200
Q2-2019 Q2-2020
Number of Active Borrowers
by Gender
Male Female
Tho
usa
nd
s
8,875 6,360
1,973
1,685
0
4,000
8,000
12,000
Q2-2019 Q2-2020
Gross Loan Portfolio
by Gender
Male Female
Mill
ion
s
36 29
122 146
0
50
100
150
200
Q2-2019 Q2-2020
Number of Active Borrowers
by Lending Methodology
Group Individual
Tho
usa
nd
s
909 618
9,440 7,427
0
4,000
8,000
12,000
Q2-2019 Q2-2020
Gross Loan Portfolio
by Lending Methodology
Group Individual
Mill
ion
s
115 101
43 74
0
50
100
150
200
Q2-2019 Q2-2020
Number of Active Borrowers
by Urban/Rural
Urban Rural
Tho
usa
nd
s
Th
ou
san
ds
136 137 171 171
56 57
207 207
-
100
200
300
400
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Number of Active Savers
by Gender
Male Female
Tho
usa
nd
s
2,409 2,376 2,481 2,481
599 615 713 713
-
1,000
2,000
3,000
4,000
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Amount of Savings
by Gender
Male Female
Mill
ion
s
Year on Year Comparison
10
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18 17 15 15
11 11
3 3
-
10
20
30
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Amount of Savings / Saver
by Gender
Male Female
Tho
usa
nd
s
118 119 120 120
74 75
201 258
-
100
200
300
400
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Number of Active Savers
by Urban/Rural
Urban Rural
Tho
usa
nd
s
2,828 2,808 2,739
2,913
180 184 233
280
2,700
2,900
3,100
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Amount of Savings
by Urban/Rural
Urban Rural
Mill
ion
s
24 24 23 24
2 2
1
1
20
22
24
26
28
Q3-2019 Q4-2019 Q1-2020 Q2-2020
Amount of Savings / Saver
by Urban/Rural
Urban Rural
Tho
usa
nd
s
92 79
29
179
0
100
200
300
Urban Rural
No. of Active Savers By Urban/Rural
(Genderwise)
Male Female
Tho
usa
nd
s
2,366
115
547
165
0
500
1,000
1,500
2,000
2,500
3,000
3,500
Urban Rural
Amount of Savings By Urban/Rural
(Genderwise)
Male Female
Mill
ion
s
100
119
378
103
55
- 50 100 150 200 250 300 350
WEERDP
FMFB
IIFC Group
Top 3 Institutions
by Total Number of Active Savers
Q2-2020 Q2-2019
Tho
usa
nd
s
129
2,022
137
1,819
- 1,000 2,000 3,000
WEERDP
IIFC Group
FMFB
Top 3 Institutions
by Total Amount of Savings (AFN)
Q2-2020 Q2-2019
Mill
ion
s
173 171
82
207
0
100
200
300
400
Q2-2019 Q2-2020
Number of Active Savers
by Gender
Male Female
Tho
usa
nd
s
2,380 2,481
551 713
0
1,000
2,000
3,000
4,000
Q2-2019 Q2-2020
Amount of Savings
by Gender
Male Female
Mill
ion
s
151 120
104 258
0
100
200
300
400
Q2-2019 Q2-2020
Number of Active Savers
by Urban/Rural
Urban Rural
Tho
usa
nd
s
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INDICATORS - Micro Credit
Market Share
Sector Trend
12
Micro
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-
20
40
60
80
Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020
Number of Active Borrowers - MFIs, MFB, FI
FMFB FINCA OXUS
Mutahid IIFC Group
Tho
usa
nd
s
-
10
20
30
40
Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020
Number of Active Borrowers - CSPIs
AKF AWC WEERDP HiH-AF
Tho
usa
nd
s
-
5,000
10,000
Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020
Gross Loan Portfolio - MFIs, MFBs, FIs
FMFB FINCA OXUS IIFC Group Mutahid
Mill
ion
s
-
20
40
60
80
100
1 2 3 4 5
Gross Loan Portfolio - CSPIs
WEERDP AKF AWC HiH-AF
-
100
200
300
Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020
Number of Clients - MFIs, MFBs, FIs
FMFB IIFC Group FINCA
OXUS Mutahid
Tho
usa
nd
s
-
50
100
150
200
Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020
Number of Clients - CSPIs
AKF HiH-AF WEERDP AWC
-
200
400
600
800
Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020
Number of Clients and Borrowers
No. of Clients No. of Borrowers
Tho
usa
nd
s
7,000
8,000
9,000
10,000
11,000
Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020
Gross Loan Portfolio (AFN)
Blli
on
s
61%13%
12%
9%5%
MFI, MFB, FI Market Share % (Based on GLP)
FMFB
FINCA
OXUS
IIFC Group
Mutahid
73%
23% 3%1%
CSPIs Market Share % (Based on GLP)
WEERDP
AKF
AWC
HiH-AF
Tho
usa
nd
sM
illio
ns
14
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MICROFINANCE OUTREACH
SN ProvinceNo. of
Branches
No. of Active
Borrowers
Gross Loan
Portfol io (AFN)
No. of Active
Savers
Amount of
Savings (AFN)PAR > 30 days
1 Badakhshan 18 11,841 544,669,878 26,447 420,056,059 54,193,305
City Districts 4 4,521 203,908,950 10,706 313,441,126 24,843,732
Other Districts 14 7,320 340,760,927 15,741 106,614,932 29,349,573
2 Badghees 2 2 550 8,935 104,490 -
City Districts 1 2 550 6,640 104,490 -
Other Districts 1 - - 2,295 - -
3 Baghlan 6 6,046 379,541,036 14,468 289,198,828 21,976,569
City Districts 4 4,190 252,385,524 12,208 283,578,776 17,944,186
Other Districts 2 1,856 127,155,512 2,260 5,620,053 4,032,383
4 Balkh 23 29,636 1,506,561,321 49,335 185,918,032 130,017,993
City Districts 10 15,326 942,674,876 30,418 160,695,930 87,720,399
Other Districts 13 14,310 563,886,445 18,917 25,222,102 42,297,594
5 Bamyan 14 10,239 350,816,106 31,797 120,169,789 16,621,345
City Districts 4 3,716 187,555,796 9,828 86,810,251 13,133,871
Other Districts 10 6,523 163,260,310 21,969 33,359,537 3,487,473
6 Daykundi 2 33 11930 8363 262258 0
City Districts 1 33 11,930 3,783 262,258 -
Other Districts 1 - - 4,580 - -
7 Farah 1 - - 3,521 - -
City Districts 1 - - 3,521 - -
Other Districts - - - - - -
8 Faryab 8 6,423 325,230,655 17,045 18,413,068 15,173,495
City Districts 4 4,462 221,626,498 8,725 9,477,248 6,455,038
Other Districts 4 1,961 103,604,158 8,320 8,935,821 8,718,457
9 Ghazni 1 - - 1,412 29,520 -
City Districts 1 - - 1,412 29,520 -
Other Districts - - - - - -
10 Ghor 1 - - 3,938 - -
City Districts 1 - - 3,938 - -
Other Districts - - - - - -
11 Helmand 7 2,975 190,967,954 10,557 18,297,568 190,967,954
City Districts 2 1,316 72,761,368 2,334 2,771,602 72,761,368
Other Districts 5 1,659 118,206,586 8,223 15,525,966 118,206,586
SN ProvinceNo. of
Branches
No. of Active
Borrowers
Gross Loan
Portfol io (AFN)
No. of Active
Savers
Amount of
Savings (AFN)PAR > 30 days
12 Herat 10 13,544 580,920,726 32,321 39,694,224 170,514,622
City Districts 6 3,850 461,559,240 6,580 19,494,689 149,327,545
Other Districts 4 9,694 119,361,486 25,741 20,199,535 21,187,077
13 Jowzjan 8 7,860 389,088,401 12,261 26,891,322 12,080,231
City Districts 5 6,138 293,497,083 7,801 21,001,912 8,298,309
Other Districts 3 1,722 95,591,318 4,460 5,889,410 3,781,922
14 Kabul 36 45,435 2,817,069,378 40,803 1,804,347,738 487,910,466
City Districts 32 42,516 2,770,533,992 32,950 1,800,620,696 477,825,280
Other Districts 4 2,919 46,535,386 7,853 3,727,042 10,085,186
15 Kandahar 4 4,055 39,932,581 11,493 7,639,000 26,993,594
City Districts 2 2,919 15,546,709 8,430 5,661,090 7,319,957
Other Districts 2 1,136 24,385,872 3,063 1,977,910 19,673,637
16 Kapisa 2 1,334 1,118,600 10,320 1,808,907 -
City Districts 1 782 714,030 4,542 1,024,896 -
Other Districts 1 552 404,570 5,778 784,011 -
17 Khost 2 3,933 3,295,058 11,138 4,441,125 -
City Districts 1 3,031 2,335,680 8,220 3,355,505 -
Other Districts 1 902 959,378 2,918 1,085,620 -
18 Kunarha 3 431 20,762,267 4,387 5,187,869 457,887
City Districts 2 431 20,762,267 3,298 5,187,869 457,887
Other Districts 1 - - 1,089 - -
19 Kunduz 5 2,016 77,417,735 8,413 74,504,299 3,038,484
City Districts 4 1,709 65,914,870 7,029 73,102,299 3,019,130
Other Districts 1 307 11,502,866 1,384 1,402,000 19,353
20 Laghman 2 - - 7,307 33,550 -
City Districts 1 - - 5,390 33,550 -
Other Districts 1 - - 1,917 - -
21 Logar 2 - - 748 - -
City Districts 1 - - 280 - -
Other Districts 1 - - 468 - -
22 Nangarhar 9 9,361 74,755,064 17,720 16,894,021 9,694,142
City Districts 3 782 45,659,573 1,330 7,518,843 8,421,098
Other Districts 6 8,579 29,095,491 16,390 9,375,178 1,273,043
Reporting Organizations
End Notes
- Afghanistan Women Council (AWC) data is as of 4th Quarter( December 2019).
- The Top 3 fast Growing MFIs, MFBs graph ( by number of ac�ve borrowers, and gross loan por�olio removed in current quarter due
to nega�ve trends.
Ins�tu�ons Repor�ng Period
2020-Q1 2020-Q2
MFI - FINCA Afghanistan
MFI - Islamic Investment & Finance Coopera�ves (IIFC) Group
MFI - Mutahid Development Finance Ins�tu�on
MFI - OXUS Afghanistan
MFB - The First Microfinance Bank
CSPI- Women Economic Empowerment Rural Development Program
CSPI - Afghanistan Women Council
CSPI - Aga Khan Founda�on
CSPI - Hand in Hand Afghanistan
Yes Yes
Yes Yes
Yes Yes
No Yes
No No
Yes Yes
Yes Yes
Yes Yes
Yes Yes
16Mic
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Prepared and Designed by:
Zohra Saba AMA Research & Communication Manager
SN ProvinceNo. of
Branches
No. of Active
Borrowers
Gross Loan
Portfol io (AFN)
No. of Active
Savers
Amount of
Savings (AFN)PAR > 30 days
23 Nuristan 1 - - 1,884 11,550 -
City Districts 1 - - 1,884 11,550 -
Other Districts - - - - - -
24 Paktika 1 - - 950 13,660 -
City Districts 1 - - 950 13,660 -
Other Districts - - - - - -
25 Paktiya 2 1,089 714,910 6,169 1,191,800 -
City Districts 1 606 410,300 3,888 772,310 -
Other Districts 1 483 304,610 2,281 419,490 -
26 Panjshir 2 317 289,180 2,359 807,690 -
City Districts - - - - - -
Other Districts 2 317 289,180 2,359 807,690 -
27 Parwan 10 7,593 212,553,039 11,832 10,260,885 12,920,996
City Districts 5 3,844 142,089,327 3,619 3,114,085 6,627,995
Other Districts 5 3,749 70,463,712 8,213 7,146,800 6,293,001
28 Samangan 4 3,262 201,174,161 5,432 27,572,166 13,454,487
City Districts 4 2,489 150,153,180 5,432 27,572,166 9,774,482
Other Districts - 773 51,020,981 - - 3,680,004
29 Saripul 2 3,192 180,362,683 393 1,806,192 43,723,434
City Districts 2 2,493 139,910,873 393 1,806,192 6,305,024
Other Districts - 699 40,451,811 - - 37,418,410
30 Takhar 11 4,994 147,110,250 16,424 117,779,313 22,031,321
City Districts 6 2,330 84,033,942 6,383 95,851,463 11,784,623
Other Districts 5 2,664 63,076,308 10,041 21,927,850 10,246,697
31 Wardak 1 - - 123 -
City Districts 1 - - 123 -
Other Districts - - - - -
Total 200 175,611 8,044,363,465 378,295 3,193,334,924 1,231,770,324
MICROFINANCE OUTREACH
378,295175,611
Afghanistan Microfinance Association (AMA)Street 3, Taimani Project, District 4, Kabul-Afghanistan
www.microview.info | [email protected] | www.ama.org.af
