The Reports screen
Open Reports from the left-hand menu, or click View Reports on the dashboard. The screen opens on the Portfolio Report.
Choosing a report
The Report Filters box at the top has these controls:
| Control | What it does |
|---|---|
| Report Type | Which report to show (see the list below) |
| Start Date / End Date | The period. Defaults to the last month, ending today. Used by the financial statements only. |
| Product | Not currently applied to any report. Leave it on All Products. |
| Apply | Shows the chosen report for the chosen dates |
| Reset | Goes back to the Portfolio Report and the default dates |
Changing Report Type or the dates does nothing until you click Apply. The name of the report you are looking at appears under the Reports heading.
Available reports
| Report Type | Shows | Uses the dates? |
|---|---|---|
| Portfolio | Loan book size, by group, with a six-month trend | No |
| Collections | Money collected, by officer, with the last 14 days | No |
| PAR (Portfolio at Risk) | Loans in arrears, grouped by how late they are | No |
| Officer Performance | Each officer's clients, loans, portfolio, collections and PAR30 | No |
| Trial Balance | Every account's debits, credits and balance | End Date only |
| Profit & Loss (Income Statement) | Income, expenses and net profit | Start Date to End Date |
| Balance Sheet | Assets, liabilities and equity | End Date only |
| GL Account Statement | Every entry on one account, with a running balance | Start Date to End Date |
The first four always show your organisation's current position (or, for Collections, all collections recorded). The last four are described in Financial statements.
Portfolio Report
Summary cards:
- Total Disbursed - the total of all loans paid out.
- Outstanding - what borrowers still owe.
- Active Loans - the number of loans currently running.
- Avg Loan Size - the average loan amount.
Portfolio Trend - a line chart of money Disbursed and Collections per month for the last six months.
Portfolio by Group - one row per group:
| Column | Meaning |
|---|---|
| Group | The group name |
| Members | Everyone in the group, borrowing or not |
| Borrowers | Members with at least one active loan |
| Active Loans | Loans currently running in the group |
| Portfolio | What the group's borrowers still owe |
| Avg Loan | The average loan in the group |
Collections Report
- Total Collected and Transactions - every collection recorded, all time.
- Collections by Day (last 14 days) - a bar chart of the amount collected each day over the last two weeks, including today.
- Collections by Officer - one row per staff member who recorded collections, with the amount Collected and the number of Transactions. Collections with no recorded officer appear as "Unknown".
PAR (Portfolio at Risk) Report
Portfolio at risk is the part of the loan book that is overdue.
- Total Portfolio at Risk - the outstanding balance of all loans in arrears.
- PAR Ratio - that amount as a percentage of the whole outstanding portfolio.
- Loans at Risk - how many loans are in arrears.
PAR Summary splits the portfolio into lateness categories, with the number of loans (# Loans), the Amount and the share of the portfolio (% Portfolio) in each, and a Total row.
PAR Trend (%) - a monthly chart of PAR 30, PAR 60 and PAR 90 (the share of the portfolio more than 30, 60 and 90 days late).
Top Delinquent Loans - the ten loans that are most days overdue, with the Loan reference, Client, Group, Officer, Outstanding balance and Days Overdue. The days are coloured: blue up to 30 days, amber for 31 to 90, red over 90.
For working through overdue loans day to day, use Small Loans > Delinquency. See Small loans.
Officer Performance Report
Choose Rank by portfolio or Rank by collections to order the officers.
The Officer Performance Ranking table shows each officer's Rank, Clients, Active Loans, Portfolio (what their borrowers still owe), Collections and PAR30 (the share of their portfolio more than 30 days late). PAR30 is shown green up to 3%, amber above 3% and red above 5%.
An officer's clients and loans come from officer assignments on clients and groups. If the table says "No officer activity yet. Assign officers to groups to populate this report.", no officers have been assigned yet. See Clients and groups.
Printing and exporting
Every report has two buttons at the top right.
- Print opens your browser's print window for the page. To save a report as a PDF, choose "Save as PDF" (or "Microsoft Print to PDF") as the printer.
- Export CSV downloads a spreadsheet file.
Use Export CSV on the Portfolio Report only. On the other reports, the money columns in the downloaded file do not currently contain readable amounts. To take those reports away, use Print and save as PDF.
The Portfolio Report export contains the Portfolio by Group table: Group, Members, Borrowers, Active Loans, Portfolio and Avg Loan.