Number of Loans Outstanding

/in /by

H-29

DEFINITION:

Number of outstanding loans in the eligible financial intermediary institution portfolio at the end of the reporting period.

GUIDANCE:

This indicator reflects the number of eligible loans an intermediary has outstanding at the time of reporting. Number of outstanding loans should include the number of all loans disbursed to clients that have not been fully repaid and have not been written off at the end of the reporting period. “Eligibility” means those loans that are or can be supported under the terms with the intermediary.

Note:

  • Different methodologies exist in what “supported” means. Some institutions pursue an allocation approach (supporting loans directly by passing on preferential terms, e.g. longer tenor) or a portfolio approach (supporting an entire eligible portfolio and measuring its growth over time). Both are possible but would need to be specified under the respective reporting arrangement.
  • “Outstanding” implies a stock variable at a certain point in time. This does not measure the number of loans supported over time. Especially for on lending that has shorter tenors (e.g. under a year, for example in microfinance) or longer tenors than the reporting period, the number of outstanding loans may not be the same as the number of loans supported. For this, refer to the metric “Average Tenor of Loans Outstanding” to compute the number of loans supported over time.
  • This metric is not intended to measure the number of clients served. An individual clients can have several loans outstanding, and especially when computing number of clients supported over time, they can have repeat loans. For measuring the number of clients served, please refer to “Number of active borrowers/clients”.
  • This is a parent indicator. It can be disaggregated and specified in various ways given the DFI/practitioner’s approach, project objective, or country context, for example by ownership/leadership (sex, age etc.), size of the companies (e.g. micro, small, medium), sectors, geography (e.g. rural/urban), age or growth of company (young firms, gazelles, etc.), innovation, etc.
  • This indicator only 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, not Fund investment.

Related indicators: This indicator should have the same scope as the value of loans outstanding, and number of active borrowers/clients would be a subset.

Unit: #