|
The final version of the efficiency, outreach and pricing tool for
the People’s Credit Banks in Indonesia(BPR) is called SIAP-Simualsi BPR according to its process flow:
- Set up model
- Input data
- Analyse
current state of BPR
- Project its
future state
which can be translated as “(get) ready simulating the BPR”.
The quantitative tool was build to support BPR management in analysing the current and planning all future operational activities as well as measuring the associated risks, costs and resulting income. This is achieved by modelling first the respective key
|
influencing parameters for the current state of the bank. Indicators derived in dependence of these parameters then allow measuring how much the BPR has achieved yet regarding its corporate mission to be a profitable and efficient Community Bank. Comparing the current indicator levels against benchmarks the tool highlights which steps could be taken in order to improve the situation. Projecting appropriate changes in the parameters determining the current state of the bank, management can predict what it might become.
Increasing in this way the bank’s efficiency and outreach will assist these micro finance banks to prepare for standing the hardening of the competition.
|
