Micro Finance Operation


Pidim Foundation

Status of microfinance program by year is illustrated in the following table.

(Bangladesh Taka in millions)

Sl. No.

Index

June, 2022

June, 2023

I.

Activity and Outreach

1

No. of Branch Office

82

95

2

No of Savings & Credit Groups

4,700

5,243

3

No. of Group Members

72,371

81,200

4

No. Of Borrowers

55,830

62,318

5

No. of Staff

650

730

6

No. of Field Workers

382

413

II.

Assets and Liability

1

Portfolio (Principal Outstanding)

4,152.79

4,852.85

2

Members Savings

1188.03

1538.08

3

Pidim’s Equity Fund

788.99

859.55

4

Loan from PKSF

967.60

1191.53

5

Bank Loan

1108.52

1208.20

6

Debt to Equity

4.51

5.01

III.

Profitability and Portfolio Quality

1

Net Surplus

135.23

67.57

2

Organizational Self-Sufficiency

120.60%

102.35%

3

Financial Self-Sufficiency

113.61%

100.78%

4

Portfolio At Risk (PAR)

7.94%

6.86%

5

On-Time-Repayment (OTR)

96.39%

98.20%

6

Cumulative Rate of Return (CRR)

98.95%

99.23%

7

Return on Assets

3.52%

1.34%