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 508 rural and urban UPKs in the provinces of Central Java, Yogyakarta, Nusa Tenggara Timor and West Sumatra. The aim was to cover 30 percent of rural UPK RLFs in these four provinces and 10 percent of the urban UPKs in order to establish the achievements and determine areas of improvement to enable these UPKs to provide a better service to the low income families in their operational areas. This report covers all 267 rural UPK RLFs and 241 urban UPKs identified for the purpose in the four provinces.

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Bibliographic Details
Main Author: World Bank
Format: Report biblioteca
Language:English
en_US
Published: Washington, DC 2012-05-01
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
https://hdl.handle.net/10986/21975
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