Cover Image
close this bookThe Management of Revolving Funds for House Improvement Loans (HABITAT, 1991, 142 p.)
View the document(introduction...)
View the documentFOREWORD
View the documentINTRODUCTION - WHAT IS IT ALL ABOUT?
Open this folder and view contentsI. THE REVOLVING FUND FOR HOUSE IMPROVEMENT LOANS
Open this folder and view contentsII. THE ADMINISTRATION OF THE SCHEME
View the documentIII. CRITICAL EVALUATION
View the documentAnnex

Annex

Analysis of loan amount and conditions (Pesos 500 to 1000)

Loan amount ($RD)

1 year

1.5 years

2 years

2.5 years

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income


Number

Value $RD


Number

Value $RD


Number

Value $RD


Number

Value $RD


500.00

12

44.89

224.47

18

30.96

154.79

24

24.01

120.03

30

19.85

99.25

600.00

12

53.87

269.36

18

37.15

185.75

24

28.81

144.04

30

23.82

119.10

700.00

12

62.85

314.25

18

43.34

216.70

24

33.61

168.05

30

27.79

138.94

750.00

12

67.34

336.70

18

46.44

232.18

24

36.01

180.05

30

29.77

148.87

800.00

12

71.83

359.15

18

49.53

247.66

24

38.41

192.05

30

31.76

158,79

900.00

12

80.81

404.04

18

55.72

278.62

24

43.21

216.06

30

35.73

178.64

1000.00

12

89.79

448.94

18

61.92

309.58

24

48.01

240.06

30

39.70

198.49

Analysis of loan amount and conditions (Pesos 1000 to 3000)

Loan amount ($RD)

1.50 years

2 years

2.50 years

3 years

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income


Number

Value $RD


Number

Value $RD


Number

Value $RD


Number

Value $RD


1000.00

18

61.92

309.58

24

48.01

240.06

30

39.49

198.49

36

34.18

170.89

1100.00

18

68.11

340.53

24

52.81

264.07

30

43.67

218.34

36

37.60

187.98

1200.00

18

74.30

371.49

24

57.62

288.08

30

47.64

238.19

36

41.01

205.07

1300.00

18

80.49

402.45

24

62.42

312.08

30

51.61

258.04

36

44.43

222.15

1400.00

18

86.68

433.41

24

67.22

336.09

30

55.58

277.89

36

47.85

239.24

1500.00

18

92.87

464.36

24

72.02

360.10

30

59.55

297.74

36

51.27

256.33

1600.00

18

99.06

495.32

24

76.82

384.10

30

63.52

317.59

36

54.68

273.42

1700.00

18

105.26

526.28

24

81.62

408.11

30

67.49

337.44

36

58.10

290.51

1800.00

18

111.45

557.24

24

86.42

432.12

30

71.46

357.29

36

61.52

307.60

1900.00

18

117.64

588.19

24

91.22

456.12

30

75.43

377.13

36

64.94

324.69

2000.00

18

123.83

619.15

24

96.03

480.13

30

79.40

396.98

36

68.36

341.78

2100.00

18

130.02

650.11

24

100.83

504.14

30

83.37

416.83

36

71.77

358.87

2200.00

18

136.21

681.07

24

105.63

528.14

30

87.34

436.68

36

75.19

375.95

2300.00

18

142.40

712.02

24

110.43

552.15

30

91.31

456.53

36

78.61

393.04

2400.00

18

148.60

742.98

24

115.23

576.15

30

95.28

476.38

36

82.03

410.13

2500.00

18

154.79

773.94

24

120.03

600.16

30

99.25

496.23

36

85.44

427.22

2600.00

18

160.98

804.90

24

124.83

624.17

30

103.22

516.08

36

88.86

444.31

2700.00

18

167.17

835.85

24

129.63

648.17

30

107.19

535.93

36

92.28

461.40

2800.00

18

173.36

866.81

24

134.44

672.18

30

111.16

555.78

36

95.70

478.49

2900.00

18

179.55

897.77

24

139.24

696.19

30

115.13

575.63

36

99.12

495.58

3000.00

18

185.75

928.73

24

144.04

720.19

30

119.10

595.48

36

102.53

512.66

Analysis of loan amount and conditions (Pesos 3000 to 5000)

Loan amount

2 years

2.50 years

3 years

3.50 years

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income


Number

Value $RD


Number

Value $RD


Number

Value $RD


Number

Value $RD


3000.00

24

144.04

720.19

30

119.19

595.48

36

102.53

512.66

42

90.76

453.80

3100.00

24

148.84

744.20

30

123.06

615.32

36

105.95

529.75

42

93.79

468.93

3200.00

24

153.64

768.21

30

127.03

635.17

36

109.37

546.84

42

96.81

484.05

3300.00

24

158.44

792.21

30

131.00

655.02

36

112.79

563.93

42

99.84

499.18

3400.00

24

163.24

816.22

30

134.97

674.87

36

116.20

581.02

42

102.86

514.31

3500.00

24

168.05

840.23

30

138.94

694.72

36

119.62

598.11

42

105.89

529.43

3600.00

24

172.85

864.23

30

142.91

714.57

36

123.04

615.20

42

108.91

544.56

3700.00

24

177.65

888.24

30

146.88

734.42

36

126.46

632.29

42

111.94

559.69

3800.00

24

182.45

912.24

30

150.85

754.27

36

129.87

649.37

42

114.96

574.81

3900.00

24

187.25

936.25

30

154.82

774.12

36

133.29

666.46

42

117.99

589.94

4000.00

24

192.05

960.26

30

158.79

793.97

36

136.71

683.55

42

121.01

605.06

4100.00

24

196.85

984.26

30

162.76

813.82

36

140.13

700.64

42

124.04

620.19

4200.00

24

201.65

1008.27

30

166.73

833.67

36

143.55

717.73

42

127.06

635.32

4300.00

24

206.46

1032.28

30

170.70

853.51

36

146.96

734.82

42

130.09

650.44

4400.00

24

211.26

1056.28

30

174.67

873.36

36

150.38

751.91

42

133.11

665.57

4500.00

24

216.06

1080.29

30

178.64

893.21

36

153.80

769.00

42

136.14

680.70

4600.00

24

220.86

1104.30

30

182.61

913.06

36

157.22

786.09

42

139.16

695.82

4700.00

24

225.66

1128.30

30

186.58

932.91

36

160.63

803.17

42

142.19

710.95

4800.00

24

230.46

1152.31

30

190.55

952.76

36

164.05

820.26

42

145.22

726.08

4900.00

24

235.26

1176.32

30

194.52

972.61

36

167.47

837.35

42

148.24

741.20

5000.00

24

240.06

1200.32

30

198.49

992.46

36

170.89

854.44

42

151.27

756.33

Analysis of loan amount and conditions (Pesos 3000 to 5000)

Loan amount

4 years

4.50 years

5 years

5.50 years

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income


Number

Value $RD


Number

Value $RD


Number

Value $RD


Number

Value $RD


3000.00

48

81.98

409.90

54

75.19

375.97

60

69.80

349.02

66

65.43

327.15

3100.00

48

84.71

423.56

54

77.70

388.50

60

72.13

360.66

66

67.61

338.06

3200.00

48

87.44

437.22

54

80.21

401.03

60

74.46

372.29

66

69.79

348.96

3300.00

48

90.18

450.89

54

82.71

413.57

60

76.79

383.93

66

71.97

359.87

3400.00

48

92.91

464.55

54

85.22

426.10

60

79.11

395.56

66

74.15

370.77

3500.00

48

95.64

478.21

54

87.73

438.63

60

81.44

407.19

66

76.34

381.68

3600.00

48

98.38

491.88

54

90.23

451.16

60

83.77

418.83

66

78.52

392.58

3700.00

48

101.11

505.54

54

92.74

463.70

60

86.09

430.46

66

80.70

403.49

3800.00

48

103.84

519.20

54

95.25

476.23

60

88.42

442.10

66

82.88

414.39

3900.00

48

106.57

532.87

54

97.75

488.76

60

90.75

453.73

66

85.06

425.30

4000.00

48

109.31

546.53

54

100.26

501.29

60

93.07

465.37

66

87.24

436.20

4100.00

48

112.04

560.19

54

102.77

513.83

60

95.40

477.00

66

89.42

447.11

4200.00

48

114.77

573.86

54

105.27

526.36

60

97.73

488.63

66

91.60

458.01

4300.00

48

117.50

587.52

54

107.78

538.89

60

100.05

500.27

66

93.78

468.92

4400.00

48

120.24

601.18

54

110.28

551.42

60

102.38

511.90

66

95.96

479.82

4500.00

48

122.97

614.85

54

12.79

563.96

60

104.71

523.54

66

98.15

490.73

4600.00

48

125.70

628.51

54

115...30

576.49

60

107.03

535.17

66

100.33

501.63

4700.00

48

128.43

642.17

54

117.80

589.02

60

109.36

546.80

66

102.51

512.54

4800.00

48

131.17

655.84

54

120.31

601.55

60

111.69

558..44

66

104.69

523.44

4900.00

48

133.90

669.50

54

122.82

614.08

60

114.01

570.07

66

106.87

534.35

5000.00

48

136.63

683.16

54

125.32

626.62

60

116.34

581.71

66

109.05

545.25

Analysis of loan amount and conditions (Pesos 5000 to 8000)

Loan amount

3 years

4 years

5 years

6 years


Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income


Number

Value $RD


Number

Value $RD


Number

Value $RD


Number

Value $RD


5000.00

36

170.89

854.44

48

136.63

683.16

60

116.34

581.71

72

103.03

515.14

5100.00

36

174.31

871.53

48

139.37

696.83

60

118.67

593.34

72

105.09

525.45

5200.00

36

177.72

888.62

48

142.10

710.49

60

120.99

604.97

72

107.15

535.75

5300.00

36

181.14

905.71

48

144.83

724.15

60

123.32

616.61

72

109.21

546.05

5400.00

36

184.56

922.80

48

147.56

737.81

60

125.65

628.24

72

111.27

556.35

5500.00

36

187.98

939.88

48

150.30

751.48

60

127.98

639.88

72

113.33

566.66

6500.00

36

191.39

956.97

48

153.03

765.14

60

130.30

651.51

72

115.39

576.96

5700.00

36

194.81

974.06

48

155.76

778.80

60

132.63

663.15

72

117.45

587.26

5800.00

36

198.23

991.15

48

158.49

792.47

60

134.96

674.78

72

119.51

597.57

5900.00

36

201.65

1008.24

48

161.23

806.13

60

137.28

686.41

72

121.57

607.87

6000.00

36

205.07

1025.33

48

163.96

819.79

60

139.61

698.05

72

123.63

618.17

6100.00

36

208.48

1042.42

48

166.69

833.46

60

141.94

709.68

72

125.70

628.48

6200.00

36

211.90

1059.51

48

169.42

847.12

60

144.26

721.32

72

127.76

638.78

6300.00

36

215.32

1076.60

48

172.16

860.78

60

146.59

732.95

72

129.82

649.08

6400.00

36

218.74

1093.68

48

174.89

874.45

60

148.92

744.58

72

131.88

659.38

6500.00

36

222.15

1110.77

48

177.62

888.11

60

151.24

756.22

72

133.94

669.69

6600.00

36

225.57

1127.86

48

180.35

901.77

60

153.57

767.85

72

136.00

679.99

6700.00

36

228.99

1144.95

48

183.09

915.44

60

155.90

779.49

72

138.06

690.29

6800.00

36

232.41

1162.04

48

185.82

929..10

60

158.22

791.12

72

140.12

700.60

6900.00

36

235.83

1179.13

48

188.55

942.76

60

160.55

802.75

72

142.18

710.90

7000.00

36

239.24

1196.22

48

191.29

956.43

60

162.88

814.39

72

144.24

721.20

7100.00

36

242.66

1213.31

48

194.02

970.09

60

165.20

826.02

72

146.30

731.50

7200.00

36

246.08

1230.39

48

196.75

983.75

60

167.53

837.66

72

148.36

741.81

7300.00

36

249.50

1247.48

48

199.48

997.42

60

169.86

849.29

72

150.42

752.11

7400.00

36

252.91

1264.57

48

202.22

1011.08

60

172.19

860.93

72

152.48

762.41

7500.00

36

256.33

1281.66

48

204.95

1024.74

60

174.51

872.56

72

154.54

772.72

7600.00

36

259.75

1298.75

48

207.68

1038.41

60

176.84

884.19

72

156.60

783.02

7700.00

36

263.17

1315.84

48

210.41

1052.07

60

179.17

895.83

72

158.66

793.32

7800.00

36

266.59

1332.93

48

213.15

1065.73

60

181.49

907.46

72

160.72

803.62

7900.00

36

270.00

1350.02

48

215.88

1079.40

60

183.82

919.10

72

162.79

813.93

8000.00

36

273.42

1367.11

48

218.61

1093.06

60

186.15

930.73

72

164.85

824.23

Analysis of amount and conditions (Pesos 5000 to 8000)


Loan amount

3 years

4 years

5 years

6 years

7 years


Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Quote

Minimum monthly family income

Number

Value $RD


Number

Value $RD


Number

Value $RD


Number

Value $RD


Number

Value $RD


5000.00

36

170.89

854.41

48

136.63

683.16

60

116.34

581.71

72

103.03

515.14

84

93.70

468.50

5100.00

36

174.31

871.53

48

139.37

696.83

60

118.67

593.34

72

105.09

525.45

84

95.57

477.87

5200.00

36

177.72

888.62

48

142.10

710.49

60

120.99

601.97

72

107.15

535.75

84

97.45

487.24

5300.00

36

181.14

905.71

48

144.83

724.15

60

123.32

616.61

72

109.21

516.05

84

99.32

436.61

5400.00

36

184.56

922.80

48

147.56

737.81

60

125.65

628.24

72

111.27

556.35

84

101.20

505.98

5500.00

36

187.98

939.88

48

150.30

751.48

60

127.98

639.88

72

113.33

566.66

84

103.07

515.35

5600.00

36

191.39

956.97

48

153.03

765.14

60

130.30

651.51

72

115.39

576.96

84

104.94

524.72

5700.00

36

194.81

974.06

48

155.76

778.80

60

132.63

663.15

72

117.45

587.26

84

106.82

534.09

5800.00

36

198.23

991.15

48

158.49

792.47

60

134.96

674.78

72

119.51

597.57

84

108.69

543.16

5900.00

36

201.65

1008.24

48

161.23

806.13

60

137.28

686.41

72

121.57

607.87

84

110.57

552.83

6000.00

36

205.07

1025.33

48

163.96

819.79

60

139.61

698.05

72

123.63

618.17

84

112.44

562.20

6100.00

36

208.48

1042.42

48

166.69

833.46

60

141.91

709.68

72

125.70

628.48

84

114.31

571.57

6200.00

36

211.90

1059.51

48

169.42

847.12

60

144.26

721.32

72

127.76

638.78

84

116.19

580.94

6300.00

36

215.32

1076.60

48

172.16

860.78

60

146.59

732.95

72

129.82

619.08

84

118.06

590.31

6400.00

36

218.74

1093.68

48

174.89

874.45

60

148.92

744.58

72

131.88

659.38

84

119.94

599.68

6500.00

36

222.15

1110.77

48

177.62

888.11

60

151.24

756.22

72

133.94

669.63

84

121.81

609.05

6600.00

36

225.57

1127.86

48

180.35

901.77

60

153.57

767.85

72

136.00

679.99

84

123.68

618.42

6700.00

36

228.99

1144.95

48

183.09

915.44

60

155.90

779.49

72

138.06

690.29

84

125.56

627.79

6800.00

36

232.41

1162.04

48

185.82

929.10

60

158.22

791.12

72

140.12

700.60

84

127.43

637.16

6900.00

36

235.83

1179.13

48

188.55

342.76

60

160.55

802.75

72

142.18

710.90

84

129.31

646.53

7000.00

36

239.24

1196.22

48

191.29

956.43

60

162.88

814.39

72

144.24

721.20

84

131.18

655.90

7100.00

36

212.66

1213.31

48

194.02

970...09

60

165.20

826.02

72

146.30

731.50

84

133.05

665.27

7200.00

36

246.08

1230.39

48

196.75

983.75

60

167.53

837.66

72

148.36

741.81

84

134.93

674.64

7300.00

36

249.50

1247.48

48

199.48

997.42

60

169.86

819.29

72

150.42

752.11

84

136.80

684.01

7400.00

36

252.91

1264.57

48

202.22

1011.08

60

172.19

860.93

72

152.48

762.41

84

138.68

693.38

7500.00

36

256.33

1281.66

48

204.95

1024.74

60

174.51

872.56

72

154.54

772.72

84

140.55

702.75

7600.00

36

259.75

1298.75

48

207.68

1038.41

60

176.84

884.19

72

156.60

783.02

84

142.42

712.12

7700.00

36

263.17

1315.84

48

210.41

1052.07

60

179.17

895.83

72

158.66

793.32

84

144.30

721.49

7800.00

36

266.59

1332.93

48

213.15

1065.73

60

181.49

907.46

72

160.72

803.62

84

146.17

730.86

7900.00

36

270.00

1350.02

48

215.88

1079.40

60

183.82

919.10

72

162.73

813.93

84

148.05

740.23

8000.00

36

273.42

1367.11

48

218.61

1093.06

60

186.15

930.73

72

164.85

824.23

84

149.92

749.60

Analysis of the number of loans by category with an initial capital of $RD1 million

Category ($RD)

Percentage

Loan value

Number of loans

Total loans ($RD)

500-1000

10

750.00

28.17

21 126.76

1000-3000

25

2000.00

70.42

140 845.07

3000-5000

50

4000.00

140.85

563 380.28

5000-8000

15

6500.00

42.25

274 647.89

Total

281.69

1 000 000.00

Cash flow ($RD)


1988

1989

1990

Availability

-

16699.30

226831.84

Income

370199.30

796632.54

433392.42


Revolving fund

353500.00

586500.00

58000.00


Capital

10934.38

144737.29

278331.15


Interest

5764.92

65395.25

97061.27

Expenditures

353500.00

586500.00

58000.00


Revolving fund

353500.00

586500.00

58000.00

Balance

16699.30

226831.84

602224.26

Use of the funds by loan category and available balance by year and month

Year and month

I

II

III

IV

Total loans

Total available
1000000.00

1988

10500.00

56000.00

196000.00

91000.00

353500.00


June

1500.00

8000.00

28000.00

13000.00

50500.00

949500.00

July

1500.00

8000.00

28000.00

13000.00

50500.00

899000.00

August

1500.00

8000.00

28000.00

13000.00

50500.00

848500.00

September

1500.00

8000.00

28000.00

13000.00

50500.00

798000.00

October

1500.00

8000.00

28000.00

13000.00

50500.00

747500.00

November

1500.00

8000.00

28000.00

13000.00

50500.00

697000.00

December

1500.00

8000.00

28000.00

13000.00

50500.00

646500.00

1989

10500.00

84000.00

336000.00

156000.00

586500.00


January

1500.00

8000.00

28000.00

13000.00

50500.00

596000.00

February

1500.00

8000.00

28000.00

13000.00

50500.00

545500.00

March

1500.00

8000.00

28000.00

13000.00

50500.00

495000.00

April

1500.00

8000.00

28000.00

13000.00

50500.00

444500.00

May

1500.00

8000.00

28000.00

13000.00

50500.00

394000.00

June

1500.00

8000.00

28000.00

13000.00

50500.00

343500.00

July

1500.00

8000.00

28000.00

13000.00

50500.00

293000.00

August


8000.00

28000.00

13000.00

49000.00

244000.00

September


8000.00

28000.00

13000.00

49000.00

195000.00

October


8000.00

28000.00

13000.00

49000.00

146000.00

November


4000.00

28000.00

13000.00

45000.00

101000.00

December



28000.00

13000.00

41000.00

60000.00

1990



32000.00

26000.00

58000.00


January



32000.00

13000.00

45000.00

15000.00

February




13000.00

13000.00

2000.00

Total

21000.00

140000.00

564000.00

273000.00

998000.00

-

Recovery of the revolving fund by year by type ($RD)

Type of loan


Loan value

Recovery




1988

1989

1990

1991

1992

1993

1994

1995

I

21000.00












C

762.62

9885.12

9806.07

546.20







I

166.18

1539.12

687.62

10.60







T

928.80

11424.24

10493.69

556.80





II

14000.00












C

2269.00

30085.40

54943.08

45176.44

7526.08






I

907.00

9932.20

11594.12

4046.28

252.00






T

3176.00

40017.60

66537.20

49222.72

7778.08




III

564000.00











C

6376.86

84554.89

171533.54

192035.55

103465.85

6033.31





I

3192.84

36023.33

53627.83

53627.83

7271.77

119.30





T

9569.70

120578.22

225161.37

221744.67

110737.62

6152.61



IV

273000.00












C

1525.90

20211.88

42048.46

50060.92

57555.58

63113.90

35509.18

2974.18



I

1498.90

17900.60

31151.70

26164.04

18669.38

10109.56

2659.22

69.26



T

3024.80

38112.48

73200.16

76224.96

76224.96

73223.46

38168.40

3043.44

Totals

998000.00











Funds











Total capital


10934.38

144737.29

278331.15

287819.11

168547.51

69147.21

35509.18

2974.18


Total interest


5764.92

65395.25

97061.27

59930.04

26193.15

10228.86

2659.22

69.26


Total funds


16699.30

210132.54

375392.42

347749.15

194740.66

79376.07

38168.40

3043.44


Accumulations


16699.30

226831.84

602224.26

949973.41

1144714.0

1224090.14

1262258.54

1265301.98

C - Capital
I - Interest
T - Total