RISK CLASSIFICATION IN PERU

While the placement of microcredits in a group expresses the essence of microfinance by its attention to the base of the pyramid, it may be the placement mechanism that is most exposed to operational as well as reputational risk.

In the experience of MicroRate, the operational risk in group methodology is furthered when the regulation of the group’s operations is imprecise. There is a high level of manipulation of cash (in disbursement and collection sessions), a relaxation of credit policies and, in general, insufficient control. To this is added a comparatively higher turnover of loan officers, which is explained, in part, by the challenge they face to serve groups in dispersed and inaccessible localities. Read More

Compartimos el artículo del Diario Microfinanzas,, "Ingresos financieros de Cajas Municipales crecen 20,74% en febrero, pero utilidades disminuyen 44,3%"

Compartimos nuestra amplia experiencia evaluando riesgos y la gestión de desempeño social en diversas instituciones financieras alrededor del mundo, a través de capacitaciones dirigidas al Gobierno Corporativo como al personal. 

Compartimos el artículo del Diario Gestión, “La reprogramación ayuda a reducir la morosidad de forma artificial, hasta un punto de corte. Algunas empresas se logran recuperar y pagan puntualmente, pero otras no;  y allí es que se eleva la morosidad”.

MicroRate se complace en anunciar la designación de Mayumi Ogata como Gerente General a partir del lunes 4 de setiembre de 2023. Mayumi ha sido Jefa de Operaciones desde 2013 y cuenta con una amplia experiencia en nuestro sector.

MicroRate agradece a María Belén Effio sus años de servicio en la compañía como Gerente General y reconoce los aciertos de su gestión.

MicroRate, pionera en calificaciones de riesgos en microfinanzas, desea a Mayumi éxitos en el desempeño de este nuevo cargo.

La presente clasificación de entidad se realiza en base a la autorización otorgada por la Superintendencia de Banca, Seguros y AFP (SBS).

María Belén Effio, CEO de MicroRate, para el diario Microfinanzas. 

Sobre nosotros

MicroRate es la primera agencia de calificación  especializada en microfinanzas. Nuestra organización  tiene más de 25 años de experiencia en el sector y ha realizado más de 1,700 calificaciones en más de 55  países. Nuestros servicios están diseñados para  agregar valor a las instituciones financieras. A través  de nuestros productos y servicios, las IMF han  fortalecido sus  operaciones, obtenido visibilidad  internacional y diversificado sus fuentes  de financiamiento.  

¿Qué nos distingue?

- Objetividad
- Independencia de  análisis
- Innovación 

Nuestra misión

Promover el flujo de fondos desde los mercados de capital hacia el sector de  microfinanzas y de pymes, a través de una mayor transparencia y crecimiento  de ambos segmentos a nivel global.

"Esto haría aun más desafiante que las  microfinancieras     alcancen las metas de utilidad establecidas a fines del año    pasado"- María Belén Effio, CEO de MicroRate, para Semana Económica.

Compartimos el artículo del Diario Microfinanzas, "El sistema peruano de Cooperativas de Ahorro y Crédito (COOPAC) ha presentado un desempeño modesto durante el primer trimestre del 2023"

Artículo completo

La presente clasificación de entidad se realiza en base a la autorización otorgada por la Superintendencia de Banca, Seguros y AFP (SBS).

Compartimos el artículo del Diario Microfinanzas,, "Ingresos financieros de Cajas Municipales crecen 20,74% en febrero, pero utilidades disminuyen 44,3%"

Available only in spanish.

MicroRate estará presente en México del 31 de Agosto al 2 de Septiembre para la 16ava Convención de ASOFOM.

Si su institución también asistirá, agendemos una reunión presencial

AQUÍ

MicroRate will be present in São Paulo on April 27th and 28th on the occasion of Abcred's 20th anniversary. We would like to take this opportunity to meet with your microfinance institutions (MFIs) for an exchange of experiences and an update on our entities.

Our representatives who will be present:

We would like to schedule a meeting with your microfinance institution: [email protected]

We publicly share MicroRate's risk ratings for Peruvian MFI's as of December 2021.

As every year, we want to publicly announce the global lists of those entities that achieved excellence in 2 different categories: Social Performance and Institutional Performance.

On Thursday 18th we officially presented the lists in an event, watch the recording by clicking here.

The following institutions were listed in alphabetical order for each grade. The lists include only institutions with public grades that were rated during 2021.

MicroRate congratulates all of these entities for the remarkable effort in terms of Institutional and Social Performances, even in the face of an adverse context in the places where they operate, without losing focus on their mission towards financial inclusion.

We invite them to continue demonstrating that a financial-social balance is possible.

MicroRate has been officially acknowledged as rater for Microfinance Institutions under the authority of Le Gouverneur de la Banque Centrale de Tunisie (Central Bank of Tunisia) in accordance with the Circular Note N°2020-13. 

MicroRate's CEO, Maria Belen Effio stated, “We look forward to contributing to Tunisie's financial inclusion (Microfinance) sector by providing independent and objective assessments.”

MicroRate will continue to issue the certification of MFIs under its label, framed within the standardized methodology of SPTF and CERISE. 

Request information

Following the stablishments contained in Financial System General Law (N° 26702) and SBS Resolution N° 18400-2010, Regulation for Financial and Insurance Companies Ratings, MicroRate presents to the market the ratings that were assigned to our clients, with data as of December 2020.

MicroRate is pleased to announce the financial institutions (FI) that obtained the best international grades in Institutional Performance Rating (MIR) and Social Performance Rating during the crisis context due to the Covid-19 pandemic. The list includes regulated and non-regulated entities.

Kindly find the report here.

Following the stablishments contained in Financial System General Law (N° 26702) and SBS Resolution N° 18400-2010, Regulation for Financial and Insurance Companies Ratings, MicroRate presents to the market the ratings that were assigned to our clients, with data as of June 2020.

Following the stablishments contained in Financial System General Law (N° 26702) and SBS Resolution N° 18400-2010, Regulation for Financial and Insurance Companies Ratings, MicroRate presents to the market the ratings that were assigned to our clients, with data as of December 2019.

See our announcement individually exposed here.

Following the stablishments contained in Financial System General Law (N° 26702) and SBS Resolution N° 18400-2010, Regulation for Financial and Insurance Companies Ratings, MicroRate presents to the market the ratings that were assigned to our clients, with data as of September 2019.

See our announcement individually exposed here.

Lima. October 31st, 2019.  MicroRate is pleased to announce the financial institutions (FI) that obtained the best international grades in institutional rating (MIR) and social rating. The list includes regulated and non-regulated entities.

The MIR evaluates the overall performance regarding the best practices and sustainability in the long term. Furthermore, we are also pleased to recognize the effort in the social performance management, which confirms the responsibility of these FI towards their customers, employees, the community and the environment. See press release

Lima, September 2017. MicroRate is pleased to present the financial institutions (FI) that obtained the best international grades in institutional rating (MIR) and social rating. The list includes regulated and unregulated entities from different countries.

The MIR evaluates the overall performance regarding the best practices and sustainability in the long term. We are also pleased to recognize the effort in the social performance management, which confirms the responsibility of these FI towards their customers, employees, the community and the environment. See press release

While the placement of microcredits in a group expresses the essence of microfinance by its attention to the base of the pyramid, it may be the placement mechanism that is most exposed to operational as well as reputational risk.

In the experience of MicroRate, the operational risk in group methodology is furthered when the regulation of the group’s operations is imprecise. There is a high level of manipulation of cash (in disbursement and collection sessions), a relaxation of credit policies and, in general, insufficient control. To this is added a comparatively higher turnover of loan officers, which is explained, in part, by the challenge they face to serve groups in dispersed and inaccessible localities. Read More

Compartimos el artículo del Diario Microfinanzas,, "Ingresos financieros de Cajas Municipales crecen 20,74% en febrero, pero utilidades disminuyen 44,3%"