Professional Documents
Culture Documents
ACCION International
Over 30 years experience in microfinance
Financial Management Unit:
Autonomous unit dedicated to financial
assessments (ACCION CAMEL), performance monitoring, financial projections and other analytical tasks
ACCION CAMEL
Capital Adequacy
Asset Quality Management Earnings
Liquidity Management
Creation of the traditional CAMEL instrument by the U.S. Federal Reserve Bank
Creation of Publication of ACCION CAMEL ACCION CAMEL Technical Note instrument for MFIs ACCION CAMEL evaluations of ACCION Latin ACCION Network America Bridge members only Fund Transfer of ACCION CAMEL methodology to supervisory agencies and lending institutions
ACCION CAMEL:
Versions
TRADITIONAL CAMEL RATING CAMEL (MINI-CAMEL) UPDATE CAMEL
Main Focus
Main Purpose
Weighting
Average Level of Effort (consultant days)
Rated MFIs:
NGOs
NGOs in transformation to regulated institutions Regulated MFIs (banks and finance companies)
Weighting
7 Quantitative Indicators: 13 Qualitative Indicators: 20 Key Indicators: 46% 54% 100%
Supporting quantitative and qualitative indicators Trend analysis (two years, or three periods)
Qualitatitive Indicators
Asset Quality
Portfolio at Risk Loan Loss Rate
(21%)
8 7 Portfolio Classification System Productivity of Long-term Assets 3 3
Qualitatitive Indicators
Earnings
ROE Operating Efficiency ROA
(24%)
5 8 7 Interest Rate Policy 4
Qualitatitive Indicators
Total
46%
54%
Standardization of variables and indicators used to measure MFIs Database to analyze the evolution of the microfinance industry