1. Outreach
number of clients
depth (client poverty level)
2.
Portfolio Quality
portfolio at risk
aging of delinquency
loans at risk
write-off and restructuring/refinancing (against total loan portfolio)
3.
Financial Sustainability
operational sustainability
financial sustainability
return on assets
capital adequacy ratio
4. Efficiency
operating expense to average total assets
financial structure (loan portfolio/total assets, earning assets/total assets, return on
loan portfolio)
Measurement Framework
The measurement framework is a tool to assist both the implementing partners and LIFT in
managing the process of monitoring, analyzing, evaluating and reporting progress toward
achieving the project level outcomes, project outcomes and outputs.
Type
Outcome/Output
Indicators
PLO
Operational
sustainability
OSS ratio
PLO Financial
sustainability
FSS ratio
% of clients
improved in
Target
Y1
actual
% of clients
increased their
assets
% of clients with
more than 6
loan circle
Return on Assets
Return on loan
portfolio
Provision of
microfinance
services
Operating
expense to
average total
assets
Number of
clients accessed
to agricultural
loan
Number of
clients accessed
to small
business loan
Number of
clients accessed
to other loans
% of clients with
wealth raking of
poorest
Y2
actual
Y3
actual
Data
Collection
Methods
Frequency
of
Collection
Quarterly
Who is
Responsible
for Data
Collection
Effective
portfolio
management
% of clients with
wealth raking of
poor
% of clients from
rural area
(village)
Loan portfolio
(agri loan)
Portfolio at risk
(PAR>30)
Loan write off
Restructured
loan amount
PLO: Purpose Level Outcome
PO: Project Outcome
O: Output
IP Quarterly Reporting
1.
2.
3.
4.
Financial Indicators
Financial Statements
Loan Portfolio by type of loan
Loans disbursed by type of loan
IP Annual Reporting
1. Socio-economic profile: gender, income, land, status of household (Data Source:
MFO/MFI client database)
2. Client Survey (Data Source: Annual MFO/MFI Client Survey)
3. Progress out of Poverty Index (PPI) (Data Source: MFO/MFI client database)
4. Social Performance Indicators (SPI) (Data Source: Annual Questionnaire)
IP Learning Questions
1.
2.
3.
4.
5.
Narrative Report for annually and six-monthly time: including update of measurement
framework and answers of evaluation and learning questions: http://www.liftfund.org/narrative-progress-reporting
Financial Report for annually and six-monthly time: expenditure report: http://www.liftfund.org/financial-reporting-microfinance