CDFA member survey 2011 Civil Society market Harry Glavan and Ian Best Policy & Research, CDFA.

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Presentation transcript:

CDFA member survey 2011 Civil Society market Harry Glavan and Ian Best Policy & Research, CDFA

CDFI markets served MicroSME Civil Society ConsumerHome Imp’t BusinessPersonal

Civil Society lenders markets served Civil Society Enterprise Personal Numbers show how many CDFIs serve each of the following markets:

Scotland 8% N. Ireland 3% Wales 5% North East 3% North West 12% Yorkshire 18% West Midlands 5% East Midlands 2% East England 4% London 17% South East 11% South West 11% CS loans made by number 392 loans

Scotland 8% N. Ireland 1% Wales 5% North East 4% North West 8% Yorkshire 10% West Midlands 7% East Midlands 2% East England 3% London 19% South East 11% South West 20% CS loans made by value £146m lent

Loans agreed 2011 and geographic scope National /countrywide

CS loan portfolio – trend NO DATA

Portfolio – by CDFI Nationwide/Countrywide £503m total

CS loan portfolio – by CDFI Value of loans disbursed 2011

CS loan applications – trend £422K

CS loan disbursals – trend

CS disbursals 2011 – by CDFI

Conversion rate – trend applications  agreements

Conversion rate 2011 – by CDFI applications  agreements ND

CS avg loan size – by CDFI £1.2m Regional <Multi-regional Nation/countrywide

Delinquencies and write-offs 2011

Performance by CDFI

Cost of credit: APR Exclusive CS lenders

Loan size vs APR Exclusive CS lenders

Customer company structure

Loan security Charge over property/ assets: 61% Debentures: 18% Personal guarantee: 1% No Security: 20%

Customer industry

Yield vs APR

Fund size and capital ND

Fund size and capital

Deployment ratios by CDFI

Self Sufficiency ratios

Operational sustainability

£1.6m Earned income

Capital for on-lending £40m

Grant revenue for operations

Investment from CITR