Number of Active Borrowers/Clients
H-31
DEFINITION:
Number of unique clients that form part of the number of loans in the eligible financial intermediary institution’s portfolio at the end of the reporting period. This indicator is intended to remove double counting from the number of loans/number of investments due to parallel or successive loans.
GUIDANCE:
This indicator captures the number of unique borrowers with an outstanding account as a sense of how many enterprises/people have benefitted from on-lending during the reporting period. It constitutes a subset of the number of loans outstanding by only counting loans once if several loans are made to the same client during the reporting period.
Note:
- In line with the metric “Number of loans outstanding” this only corrects for multiple loans issued to the same client during the reporting period. . This does not cover repeat loans that are issued in a new reporting period. To measure this, a different indicator or complementary variable such as the dropout rate may be used (% of clients with active loans not engaging in in repeat loans, especially in microfinance).
- This is a parent indicator. It can be disaggregated and specified in various ways given the DFI/practitioner’s approach or country context, for example by ownership/leadership (sex, age etc.), size of the companies, sectors, geography (e.g. rural/urban), age or growth of company (young firms, gazelles, etc.), innovation, etc.
- This indicator applies to intermediated financing though commercial banks, microfinance institution, a non-bank financial intermediary, or other financial institutions. Refer to metrics under “Private Equity and Investment Funds” for those types of intermediated financing.
Applicability: intermediated finance, where possible and relevant, not Fund investment.
Related indicators: This indicator should be a subset in terms of scope of the number and the value of loans outstanding.
Unit: #