Transcript Aboutus1.1

TUBA RAI METIN
Financial services to unreached families in Timor-Leste
History of TRM
1. From Jul-2001 to Jan-2002 took part in the micro credit
programme of Save The Children US Federation (SCF). SCF
closed its Office and Mission in Timor-Leste and requested
Catholic Relief Service ‘CRS’ to take over their program, they
worked with approximately 450 women clients in february 2002,
SCF formally transfered to CRS The Assets, Loan portfolio,
Clients information, and staff.
2. In May 2002, CRS decided to create a local NGO which can
manage its operations self sustainable way and eventually TRM
was legally registered with the NGO Forum on 13 May 2002.
3. CRS decided to close its micro finance operations internationally
and after civil conflicts of 2006 and 2007, board decided to quit
TRM and left the decision on employees of TRM to take it forward
or wind up.
TRM team decided to run it irrespective of several crisis. Fortunately
and bravely TRM has been managing its growth consistently and
profitably even after facing high PAR due to conflicts. In the same
crisis, 13 NGO – MFIs have been wiped
out from Timor-Leste.
Tuba Rai Metin
• Vision :
The prosperity of the New Nation has to be built
upon the prosperity of the most important
structure of the society, family “House hold”.
• Mission :
Tuba Rai Metin as microfinance MFI-NGO is
committed to providing high quality
microfinance services to poor households,
especially Women.
• Objective :
To rise household income, empower woman
and improve the quality of life of families.
Our Supporters
• UNCDF
• ILO
• Government of Timor Leste
• Rotary International
TRM Area of Operation :
1.
Dili District :
Tuba Rai Metin operated in : Sub
District Dom Aleixo, Cristo Rei, Nain
Feto, Vera Cruz and Metinaro.
2. Baucau District:
Tuba Rai Metin operated in : sub
District Baucau, Laga, Quelicai,
Venilale and Vemasse.
3. Viqueque District :
Tuba Rai Metin operated in : Sub
District Viqueque, Ossu, Lacluta/Dillor
and Uatulari.
4. Manatuto District :
Tuba rai Metin operated in : Sub
District Manatuto, Laclo and Laleia.
5. Lospalos District :
Tuba Rai Metin operated in : Sub
District Lospalos, Moru and Tutuala.
TRM
Branches
TRM – Outreach (As on 31-Dec-2009)
S.No.
Particular’s
Data
1.
No of Branches
03
2.
No of Field Office
02
3.
No of Field Officer (FO)
10
4.
No of Branch Manager (BM)
05
5.
No of TRM Staff
34
6.
No of Clients
2838
7.
No of Active Depositors (Voluntary)
480
8.
Value of Savings (Voluntary)
US $15792
9.
Outstanding
US $437162
10.
Operating Self Sufficiency (OSS)
11.
Size of Average O/s
12.
Total Loan Disbursed (Cumulative)
US $870732
13.
Operating Income
US $271774
129%
US $154
On going Technical Assistance
By
www.basixindia.com
It is continuous four year TA with motive to
transform the TRM from NGO-MFI to a
saving led MFI growing on commercial
principals, preferably duly regulated.
TRM will be looking for investors to raise
its capital to 2 million USD to obtain ‘C’
category license from central regulator of
the country.
TRM existing area, and plan Expansion for new area
Existing Area
Create more loan product,
more clients, but with good
Quality
TRM Plan for next 4 years
NO.
Particular
Year 1
(2010)
Year 2
(2011)
Year 3
(2012)
Year 4
(2013)
1.
No of Branches
3
4
6
9
2.
No of Field Office
2
4
12
21
3.
No of Credit Officer
15
20
36
59
4.
No of Branch Manager
3
4
6
9
5.
No of TRM Staff
43
56
83
117
6.
No of Clients
3,300
5,130
8,930
13,930
7.
No of Active Depositors
475
1,560
4,418
10,765
8.
Clients per CO
220
256
248
236
9.
Value of Savings
$ 57,000
$ 187,200
$ 530,160
$ 1,291,800
10. Total Loan Disburs.
$ 799,706
$1,198,941
$ 2,996,098
$ 6,539,160
11. Operating Income
$ 273,553
$ 405,925
$ 767,919
$ 1,254.887
12. Operating Self Sufficiency
130%
>120%
133%
144%
13. Financial Self Sufficiency
101%
105%
122%
131%
9%
5%
4%
3%
14. Portfolio at Risk