| General Questions | Probes |
1 | How would you describe the loan portfolio quality of your firm in the last five years? | - What is your comment on: Portfolio at risk? Loan loss provisions? Non-performing loans? |
2 | In your opinion, how do you perceive the role of capital structure in influencing loan portfolio quality? | - Explain how the capital structure could have affected loan portfolio quality. - Do you believe that the financial structure of an MFI affects loan portfolio quality? |
3 | How do you value the contribution of the cost of capital to this firm loan book performance? | - How do you perceive the cost of capital? - How far do these costs go, in your opinion? - Are they mainly financial or administrational costs? - Do you think these costs are a threat to loan portfolio quality? |
4 | Take me through the procedures this firm’s credit system goes through to ensure loan repayments? | - How do you identify potential credit risk? - Do you have credit assessment tools? - What credit assessment tools do you use? - Do you have any credit monitoring tools? - Does your credit policy influence loan repayments? |
5 | How does your firm get to know the different circumstances that surround each customer? | - Do you have connections in communities? - Do you have a relationship with your clients beyond giving them loans? - How often do you visit client premises? - Do you know the kind of activities that take place in communities where your clients live? |
Respondent’s signature | Tel |