SEDPI

Summary of Financial Ratios

Indicator	2006	2007	2008	Standard
Operational Self Sufficiency	282%	237%	277%	>120%
Financial Self Sufficiency	175%	135%	237%	>100%
Adjusted Return on Assets	10%	5%	10%	>Inflation
Adjusted Return on Equity	23%	12%	22%	>T-Bill Rate
Yield on Portfolio	30%	19%	21%	>13%

SCCI has consistently surpassed industry standards in terms of its proitablity. This is mainly brough about by excellent portfolio quality; efficient operations; and sound financial structure.

Through charging market-based interest rate based on the credit appraisal of social enterprises and microfinance institutions, SCCI is able to recover costs and post positive returns. By keeping a close eye on its portfolio, SCCI consistently enjoys 100% collection rate from its clients.

SCCI effectively manages its costs by leveraging on the knowledge base of SEDPI. With this strategy, SCCI's cost for credit appraisal and monitoring of clients is drastically reduced.

Investing equity and liabilities mainly in its loan portfolio, SCCI is able to maximize its earning potential. As a policy, SCCI does not invest heavily on fixed assets and consciously keeps overhead costs low

news

Linking up with Cordaid: SEDPI and SCCI have signed cooperation agreements with Cordaid, one of the largest NGOs in the Netherlands > More

Training Events with PCFC: Through its linkage with PCFC, SEDPI organized 19 training events from July 2007 to August 2008 in six key Philippine cities > More

SEDPI in Nigeria: SEDPI’s relations with the Central Bank of Nigeria (CBN) and the Nigeria Deposit Insurance Corporation (NDIC) were born in 2007, when top CBN executives > More

ATENEO-BPI Trainings

Ateneo and BPI Foundation introduces a new and exciting discount package to Microfinance Institutions who wish to send more delegates in Ateneo Microfinance Trainings > More

ARDCI: A 180-Degree Microfinance STory

At first glance, Agricultural and Rural Development for Catanduanes, Inc. (ARDCI) seemed to have what it takes to be a successful microfinance institution. First, it was a spin-off of the European Union’s official development assistance to the Philippine Government. Second, it envisions itself as a sustainable development institution harnessing > More