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Page 1: w:ar³*H J fD* - cbos.gov.sd · jc ¥,¢hD'H ('¢ ~D'4 £0xD* 0xD* Ñ* ~z+ @G1416 xpE 22 tJ4bgD* 1995 ¡£F¡J 20 A*¡ D* 4f G* ¨ < j+fE| G jHf G* ,4*2(¸* m*4§ ¡H
Page 2: w:ar³*H J fD* - cbos.gov.sd · jc ¥,¢hD'H ('¢ ~D'4 £0xD* 0xD* Ñ* ~z+ @G1416 xpE 22 tJ4bgD* 1995 ¡£F¡J 20 A*¡ D* 4f G* ¨ < j+fE| G jHf G* ,4*2(¸* m*4§ ¡H

2

Page 3: w:ar³*H J fD* - cbos.gov.sd · jc ¥,¢hD'H ('¢ ~D'4 £0xD* 0xD* Ñ* ~z+ @G1416 xpE 22 tJ4bgD* 1995 ¡£F¡J 20 A*¡ D* 4f G* ¨ < j+fE| G jHf G* ,4*2(¸* m*4§ ¡H

3

1415 25

1995 26

( 95 / 5

87/12/5 11

7 – –

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4

1416 22

1995 20

(95/17

1972 4 30

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5

1416 17

1996 6

( 96 / 8

1996

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6

1998 31

(98 /8

1998

1 1997 31

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7

1998 6

(98 / 3

– 1

1997 1997

1998

– 2

– 3

Fixed 1

Opening Position

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8

1421 30

2000 3

(2000 /9

95/20 2

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1421 17

2000 13

2000/11

1

2

3

4

– 5

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1

2

3

warehousereceipt

Page 11: w:ar³*H J fD* - cbos.gov.sd · jc ¥,¢hD'H ('¢ ~D'4 £0xD* 0xD* Ñ* ~z+ @G1416 xpE 22 tJ4bgD* 1995 ¡£F¡J 20 A*¡ D* 4f G* ¨ < j+fE| G jHf G* ,4*2(¸* m*4§ ¡H

11

1422 3

23 2001 23

1

2

Page 12: w:ar³*H J fD* - cbos.gov.sd · jc ¥,¢hD'H ('¢ ~D'4 £0xD* 0xD* Ñ* ~z+ @G1416 xpE 22 tJ4bgD* 1995 ¡£F¡J 20 A*¡ D* 4f G* ¨ < j+fE| G jHf G* ,4*2(¸* m*4§ ¡H

12

1422 11

28 23 2001 26

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13

1422 21

2001 11

2001/ 8

– 12

– 3

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1423 2

2002 10

(2002/6

99/16 1994/8/31 94/23

1999/12/12

1

2

3

2

4

2

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5

6

7

8

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16

2002 28

1423 24

(2002/30

2002

1

2

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3

50 3

25

1

– 2

–3

99/3 2001/1

4

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1423 26

77 2003 20

/28 2002/30

2002

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1424 7

2003 7

(2003/1

2001/4/23 2001/4

1

2

3

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1424 17

2003/12/11

(2003/3

1

2

1

2

3

4

Internal Risk Rating System 5

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25

20

50

2004

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22

1

Satisfactory)

25

310

415

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23

3

1

2

3

4

520

6650

127100

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24

1425 3

2004/3/24

2004/1

2003/12/11 2003/3

1999/3/9 99/3

50

25

50

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1

2

3

4

20 5

6

1

7 2

51 3

50 20

4

10

1

2003 7 2003/1

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26

2

3

2003/12/11 2003/3

4

2 1)

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27

1425 19

23 2004 7

2004 3/24 2004/1

1

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(1

7

(2

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29

1425/6/18

2004/8/5

(2004/4

2003 29

2004/3/24 2004/1

2004/1 2 1

1

2004/1

7

2

– –

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2004/1

25

50

10

2001/1

3

4

4 1

2

3

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4

5

– –10

< –

– –

95

35

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2005/2/22

2005/1

2003/3

2003/12/11

1

2

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3

Financial Risk. Mitigation Techniques

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4

– CG

– Ü

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35

2005/6/30

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28/24 1426 26

2005 8

(2005/2

2005

20

20

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20

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1427 19

23 2006/5/27

2003/3

2005/2/22 2005/1

2003/12/11 2003/3

2005/1

.2005 1

2003/12/11 2003/3

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1426 7

2006 6

2006 /3

2006

2001/1/1 2001/1)

1

2

3

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4

2

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20

.(2005/2

50

2005/3

2

3

4

5

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2000/12

2000/11/22

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1

Solid and tangible securitycollateral

2

3

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44

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1

2

3

4

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5

1

2

3

4

5

6

7

8

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1

2

3

4

credit control process

corrective action

1

2

– – –

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– – 3

.

75

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49

2003

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50

1427 9

23 2006/10/1

2002/6

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/23 2007/1 18

(2007/1

2007

2005 8 2005/3

1

2

3

4

5

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1

2

3

4

. 5

6

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1428 22

2007 10

( 2007/10

·

·50

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23 1428 26

2007 12

( 2007/13

2008-2007

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1428 13

2007 25

2007/ 16

1

2

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23 2007 10/20

(2007/ 18

12 2007

1

2

3

30 70 4

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1

2

3

4

5

6

1

Community Based Organizations)

i

ii

2

i

ii

iii

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iv

24 60 v18

3

i

ii

iii

Overall ivlending

v

4

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MFI2003

2003

Transformation to the Microfinance

downscaling

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Small Enterprise

50

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