World Bank2015-05-212015-05-212012-05-01https://hdl.handle.net/10986/21975This is the final consolidated report of an extensive program to assess the financial performance and capacity building needs of the UPK Revolving Loan Funds under the PNPM Mandiri project. As explained in the report, the assessment program covered 508 rural and urban UPKs in the provinces of Central Java, Yogyakarta, Nusa Tenggara Timor and West Sumatra. The aim was to cover 30 percent of rural UPK RLFs in these four provinces and 10 percent of the urban UPKs in order to establish the achievements and determine areas of improvement to enable these UPKs to provide a better service to the low income families in their operational areas. This report covers all 267 rural UPK RLFs and 241 urban UPKs identified for the purpose in the four provinces.en-USCC BY 3.0 IGOHOLDINGBORROWERINTEREST INCOMEBANK LINKAGEEQUIPMENTACCOUNTINGCHECKSDEPOSITSDEMAND FOR CREDITDEFAULTSINTERESTRATE OF RETURNSUPERVISORY BOARDREPAYMENTSREVENUESPORTFOLIOCAPACITY BUILDINGLOANMICRO‐FINANCE INSTITUTIONSBUDGET CONSTRAINTSLOAN AMOUNTBORROWERSGOVERNMENT ASSETSINFORMATION SYSTEMSGOVERNMENT SUPPORTLOAN APPRAISALSDEMAND FOR FUNDSREVOLVING FUNDSCONVERSIONHUMAN RESOURCECREDIT COOPERATIVEGOVERNMENT POLICYFINANCIAL INSTITUTIONBANK LINKAGESHYPOTHECATIONCOOPERATIVE BANKSLOAN PRODUCTSFINANCESFINANCIAL INSTITUTIONSDEBTLOCAL GOVERNMENTSETTLEMENTLOAN REPAYMENTSINCOME LEVELSMONEYLENDERSLOAN SIZESRESERVE REQUIREMENTLEGAL FRAMEWORKLOAN TERMSTRANSACTIONSINDIVIDUAL LOANMICRO‐CREDITPREPAYMENTSINTEREST PAYMENTSGOODTURNOVERFUTURECONFLICTS OF INTERESTFINANCIAL INSTITUTIONFINANCIAL PERFORMANCEDISBURSEMENTSLIQUIDITY MANAGEMENTFINANCIAL SERVICE PROVIDERSLOAN PORTFOLIOACCOUNTANTREPAYMENT RECORDINSTITUTIONAL CAPACITYIMPLICIT SUBSIDYLOAN PERIODGRACE PERIODMICROCREDITINSURANCEMICROFINANCEPERSONAL GUARANTEESLOAN RECOVERYFIDUCIARY RESPONSIBILITYDEGREE OF RISKLOAN APPLICATIONSCOMMERCIAL BANKSMONEYLENDERLOAN SIZELOAN BALANCELOAN AMOUNTSCOLLECTION PROCESSESCAPITAL GROWTHCASH BALANCESCOLLATERAL FREE LOANSLENDINGLIQUIDITY RATIOGROUP BORROWERSCAPITAL INVESTMENTLOANS TO INDIVIDUALLIABILITIESARREARSCASH FLOWDEVELOPMENT BANKMICROFINANCE INSTITUTIONMONEY LENDERSNON‐PERFORMING LOANSMICRO‐LOANSDEPOSITLIABILITYNPLGOVERNMENT GRANTJOINT LIABILITYRURAL BORROWERSFINANCIAL MANAGEMENTOUTSTANDING LOANOVERDUE LOANINFORMATION SYSTEMGUARANTEESINTEREST RATEEXCHANGEREVOLVING FUNDBANKING SYSTEMLIQUIDITYBANK ACCOUNTLOAN PRODUCTMICRO‐FINANCEFINANCIAL STATEMENTSTAXRESERVECREDIT PERFORMANCEINFLATIONGROUP LOANMICROFINANCE INSTITUTIONSBUDGETOVERDUE LOANSCREDIT RATINGSLOCAL BANKSDISBURSEMENTPORTFOLIOSCONTRACTSINTEREST RATESOPTIONSFINANCIAL PERFORMANCERETURNEXCESS LIQUIDITYLENDERSLOANSRESERVESFINANCIAL SYSTEMFINANCERETURN ON ASSETSLENDING CYCLESPORTFOLIO QUALITYPUBLIC INVESTMENTSMALL LOANSEQUITYLOAN REPAYMENTFRAUDCREDIT ASSESSMENTLOAN APPRAISALACCESS TO CAPITALFINANCIAL SECTOR INDICATORRETURNSINTERNAL SAVINGSREPAYMENTASSET QUALITYPROPERTYFUND MANAGEMENTBALANCE SHEETNON‐PERFORMING LOANDEFAULTMARKETPERSONAL PROPERTYRURAL BANKLOAN DEMANDBANK ACCOUNTSINTERESTSLEVEL OF COMMITMENTFIXED ASSETSSECURITYGOVERNMENT SUBSIDIESLOSS STATEMENTINVESTMENTHUMAN RESOURCESINTERNAL AUDITBALANCE SHEETSBANKING INSTITUTIONCOLLATERALFINANCIAL INFORMATIONPOVERTYCOLLECTION PROCEDUREINSTITUTIONAL DEVELOPMENTREVENUEPROFITRISK MANAGEMENTCHECKCREDIT‐ WORTHINESSREPAYMENT PERFORMANCERURAL BORROWEREXCHANGE RATEINSTRUMENTOUTSTANDING LOANSPROFITSBUSINESS PLANNINGLOANS FROM BANKSHUMAN RESOURCE QUALITYADMINISTRATIVE CONTROLReportWorld Bank10.1596/21975