This exam was prepared and done at MAHEMBE SACCO, in MAHEMBE SECTOR, NYAMASHEKE DISTRICT,WESTERN PROVINCE, in job recruitment on SACCO LOAN OFFICER POSITION. And is very most helpful study material in preparing your next job exam for the following job post such as: MFI/SACCO Loan Officer, Recovery Officers , Commercial Bank Sales Officers , Credit Analysts , Credit Managers or Operation Officers , and other Loan Management positions especially in Financial Institutions.
WRITTEN EXAM FOR LOAN OFFICER POSITION-MAHEMBE SACCO
Date: 13/7/2020
Q1) The following table shows some financial data of SACCO JYAMBERE:
| Financial data in RWF | Year 2018 | Year 2019 |
| Gross Loan Portfolio | 1,800,000 | 3,600,000 |
| Number of new clients | 200,000 | 4,000,000 |
| Operating Expenses | 1,500,000 | 3,000,000 |
| Total Assets | 1,950,000 | 2,350,000 |
| Total Equity | 1,500,000 | 2,500,000 |
| interest and fee income from loans | 650,000 | 1,150,000 |
| Written-off | – | 56,000 |
| Net income after Taxes and before | 21,800 | 81,200 |
Calculate the ratios below for SACCO JYAMBERE for the year 2019 (10pts)
- Return on Equity (5Pts)
- Portfolio yield (5Pts)
Q2) Choose the best answer/ 10Pts
An MFI can increase its cashflow from operation from:
a) Strengthening recovery mechanisms and reducing NPLS
b) Increasing the number of new members
c) Reducing interest rated and loan fees and commissions
d) None of them
Q3. Calculate the portfolio at Risk over 30 days (PAR 30) for the following scenario: / 10Pts
- Total loan portfolio outstanding ( gross loan portfolio): 14 millions FRW
- Value of loans with payments overdue 0-29 days : 3,000,000 FRW
- Value of loans with payments overdue 31-60 days : 100,000 FRW
- Value of loans with payments overdue 69-90 days : 120,000 FRW
- Value of loans with payments overdue more than 90 days : 180,000 FRW
Q4) On February 30th June 2020, Mr IYACU Ernest who is a client of SACCO AMIZERO YACU has an outstanding loan of 825,500 Frw with 59 days in arrears. Calculate the provision /10Pts
Q5) The formulae to calculate the ” net interest margin ratio” is : /10Pts
a) Average earning assets/(Interest expense-Interest income)
b) Net income after taxes and before donations / Total equity
c) Interest income – interest expense)/ Average earning assets
d) Interest and fees expense on funding liabilities/Average gross loan portfolio
Q6) Maria wants to pay back his debt to the SACCO. She has already paid back 65% of the initial debt. Her uncle Amedee offered to help by paying 21% of the initial debt , so now he only needs an additional FRW 187,850 in order to pay off all the debt. what was the initial amount of the debt Maria owed to the SACCO ? 10 Pts
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