Credit rating

Credit Ratings are offered in Ecuador and Bolivia.

Definition

The Credit Rating provides an opinion on the short-run solvency and long-run institutional sustainability through a comprehensive assessment of risks, performance and market position. A trend analysis is carried out on the financial information of the last three annual periods. MicroFinanza Rating is licensed by the Superintendence of Banks and Insurance (SBS) and by the Superintendence of Solidarity-Based Economy (SEPS) in Ecuador to carry out credit ratings of regulated institutions, including microfinance and commercial banks, savings and credit cooperatives, non-bank financial institutions, etc. We have experience with cooperatives of various market segments. Since February 2014 MicroFinanza Rating is also licensed in Bolivia to provide social and credit rating services, after being authorized by the Supervisory Authority of the Financial System (ASFI).

Benefits

Check regulatory compliance of local regulatory entities;
√ Measure institutional solvency to depositors and other creditors;
√ Demonstrate transparency; prove institutional and financial soundness to investors;
√ Compare to benchmarks in terms of profitability, efficiency, productivity, performance, risk exposure and organizational structure;
√ Support financial institutions in the strengthening and organizational development process through international and national standards.

Methodology

The Credit Rating methodology includes a dynamic quantitative and qualitative analysis of the risk factors, strenghts and opportunities of the financial institution, with the goal of giving an opinion on the risk profile of the institution (credit, liquidity, market, operational, governance and reputation risks are assessed).

Areas of analysis

  1. External context
  2. Governance and strategy
  3. Organization and operations
  4. Assets quality and structure
  5. Financial structure and management
  6. Financial and operational results


To have additional information on credit ratings in Ecuador, please contact our Regional Manager, Evrim Kirimkan, This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

For credit ratings in Bolivia, please contact our Bolivia office Director, Erlan Llanos, This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

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