Microfinance plays a relevant social function in the economy: Promote the development of the low-income segments of the population. Numeravi contributes with microfinance institutions to achieve this purpose, supporting its growth with effective risk management.

In Mexico, microcredits have been developed by a sector that, for more than 60 years has contributed to promote financial inclusion in the country: microfinance institutions. There is still 50% of the population that does not have access to formal financial services, so there is a large potential market.

We considered that there are two key factors for the health of microfinance institutions: efficiency in their operations and control of the credit risk they assume.

These two factors will consolidate the financial position of microfinance institutions, boosting their portfolio´s growth and keeping the losses generated by risks under control, in order to achieve break even and, subsequently, profitability.

Numeravi contributes with microfinance institutions to achieve these objectives, by providing consultancy, outsourcing and/or licensing of credit, market, liquidity and operational risk management systems. Among such services are:

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    Development of credit scorings:

    1.1 For the rating of individual or group loan portfolios.

    1.2 To evaluate loan applications.

    1.3  To evaluate group loan applications.

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    Credit risk management systems

    Calculation of the probability of default, reserves, credit value at risk and economic capital.

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    Systems to calculate lending rates.

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    Systems to project needs and availability of liquidity.

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    Market risk management systems

    Particularly to estimate the effect that interest rate movements can have on the institutions’ income.

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    Audits or technical evaluations of the risk management of the institutions

    In order to know the suitability of the models and methodologies applied to estimate exposure to risks, as well as the operational processes applied in this task.