The analysis for this rating includes an examination of quantitative and qualitative factors that measure the institution’s ability to pay its financial obligations. MicroRate’s experience demonstrates that both the quantitative and qualitative factors included in this analysis are essential in determining the MFI’s ability to pay.
MicroRate’s credit rating report also includes an analysis of external factors that are relevant to the institution, including the markets in which it operates and the microfinance environment.
The credit rating report analyzes the following factors, in line with the Basle regulations and the Peruvian Superintendence of Banking and Insurance (SBS):
The regulatory rating scale in Peru is as follows: