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| Parameter | Definitions used | Sign associated with the LI | Sign associated with the Effect of Regulation |
| Outreach | No. of Active Borrowers (nab) | Number of active borrowers | +/− [−] | −/+ [+] |
| Loan size (albpb) | Ratio of total loan balance to total no. of active borrowers | +/− [−] | −/+ [−] | |
| Efficiency | Cost per Borrower (cpb) | Average cost incurred by a MFI to retain an active borrower | − [−] | +/− [−] |
| Operating Expenses Ratio (oer) | Ratio between operating expenses and average gross loan portfolio | − [−] | +/− [−] | |
| Repayment | Portfolio at Risk under 30 days (PAR 30) | Portion of loan portfolio that is overdue and at risk of not being repaid under 30 days | − [−] | +/− [inconclusive] |
| Portfolio at Risk under 90 days (PAR 90) | Portion of loan portfolio that is overdue and at risk of not being repaid under 90 days | − [inconclusive] | +/− [−] | |
| Performance | Operating Self Sufficiency (oss) | Ratio of Operating Cost to Loan Size | −/+ [+] | + [Inconclusive] |
| Profit Margin (pm) | Ratio of Net Operating Income to Financial Revenue | −/+ [+] | + [Inconclusive] | |
| Return on Asset (roa) | Net operating income/assets | −/+ [+] | + [Inconclusive] | |
| Return on Equity (roe) | Net operating income/total equity | −/+ [+] | + [−] |