Figure 8
The vertical axis ranges from 0 to 50 in increments of 5 units. The horizontal axis is labeled from left to right as follows: “R O A,” “Operational Self-Sufficiency,” “Portfolio At Risk 30 Days,” “Financial Efficiency,” “Portfolio Yield,” “R O E,” “Profit Margin,” “Questionnaire,” “Financial Self Sufficiency,” “Operational Cost,” “Cost Per Borrower,” “Profit Margin Rate,” “Yield On Gross Loan Portfolio,” “Capital Asset Ratio,” “Write Off Ratio,” “Asset Utilization,” “Cost Borrower,” “Cost Of Portfolio,” “Cost Per Loan,” “Costs Funds,” “Costs Of Funds Ratio,” “Costs Of Operating,” “Debt or Assets,” “Debt or Equity Ratio,” “Default Costs,” “Earning Management,” “Financial Revenue,” “Financial Sustainability,” “Gross Loan Portfolio Growth,” “Income-Increasing Abnormal Loan Loss Provision,” “Lack Of Reimbursement,” “Liquidity,” “Loan Loss Ratio,” “Loan Performance,” “Loan Write-Off,” “Managing Earnings Toward A Target,” “Operating Expense Ratio,” “Operational Cost To Total Loan Portfolio,” “Operational Efficiency,” “Persistence,” “Portfolio At Risk 90 Days,” “Portfolio Growth,” “Predictability,” “Productivity,” “Rating Relevance,” “Rating Score,” “R O A Adjusted,” “Score Z,” “Smoothness,” “Tangible Assets,” “Technical Efficiency.” The data from the bars are listed below: R O A: 44. Operational Self-Sufficiency: 34. Portfolio At Risk 30 Days: 10. Financial Efficiency: 8. Portfolio Yield: 8. R O E: 7. Profit Margin: 6. Questionnaire: 6. Financial Self Sufficiency: 5. Operational Cost: 5. Cost Per Borrower: 4. Profit Margin Rate: 3. Yield On Gross Loan Portfolio: 3. Capital Asset Ratio: 2. Write Off Ratio: 2. Asset Utilization: 1. Cost Borrower: 1. Cost Of Portfolio: 1. Cost Per Loan: 1. Costs Funds: 1. Costs Of Funds Ratio: 1. Costs Of Operating: 1. Debt or Assets: 1. Debt or Equity Ratio: 1. Default Costs: 1. Earning Management: 1. Financial Revenue: 1. Financial Sustainability: 1. Gross Loan Portfolio Growth: 1. Income-Increasing Abnormal Loan Loss Provision: 1. Lack Of Reimbursement: 1. Liquidity: 1. Loan Loss Ratio: 1. Loan Performance: 1. Loan Write-Off: 1. Managing Earnings Toward A Target: 1. Operating Expense Ratio: 1. Operational Cost To Total Loan Portfolio: 1. Operational Efficiency: 1. Persistence: 1. Portfolio At Risk 90 Days: 1. Portfolio Growth: 1. Predictability: 1. Productivity: 1. Rating Relevance: 1. Rating Score: 1. R O A Adjusted: 1. Score Z: 1. Smoothness: 1. Tangible Assets: 1. Technical Efficiency: 1. Note: All numerical data values are approximated.Financial performance indicators. Source: Figure by the authors