Rank the extent to which you

Which internal control componen

Count - Which internal control compPercentage
a) Internal audit 36 60%
All 1 2%

b) Supervision 7 12% Accounting and

c) Information 1 2% 1
Combination of Audit, Supervisor 1 2% 2
d) Monitoring 13 22% 3
Risk 1 2% 4
(empty) 5
Total Result 60 100% (empty)
Mean 8.57 14% Total Result
Mean

Is your organisation NBFC Count - Is your organisation NBFC Percentage Management clos
No 28 47% 1
yes 32 53% 2
(empty) 3
Total Result 60 4
Mean 30 50% 5
(empty)
Total Result
Mean

Ethical values a
1
2
3
4
5
(empty)
Total Result
 Rank the extent to whi
ank the extent to which your organization controls the environment through
management is involved in
internal audit .
superv

Count - Accounting and financial management system Percentage Rank the extent
39 65% 1
14 23% 2
5 8% 3
1 2% 4
1 2% 2;4
(empty)
60 100% Total Result
12 20% Mean

Count - Management closely monitors implementation of internal contrPercentage Management ident

36 60% 1
18 30% 2
4 7% 3
1 2% 4
1 2% 5
(empty)
60 100% Total Result
12 20% Mean

Count - Ethical values are upheld in all management decision Percentage Management has c
30 50% 1
26 43% 2
2 3% 3
1 2% 4
1 2% (empty)
Total Result
60 100%
Timely evaluation
1
2
3
4
(empty)
Total Result
Rank the extent to which your organization’s
Rank the extent to which your organization practices
nagement is involved in risk assessment through
control activities
supervision

Count - Rank the extent to which your Percentage Rank the extent t
35 58% 1
18 30% 2
4 7% 3
2 3% 4
1 2% 5
(empty)
60 100% Total Result
12 20% Mean

Count - Management identifies risks thaPercentage Staffs are train

35 58% 1
14 23% 2
8 13% 3
2 3% 4
1 2% 5
(empty)
60 100% Total Result
12 20% Mean

Count - Management has criteria for ascertainment of fraud-related riIt is impossible

34 57% 1
20 33% 2
3 5% 3
3 5% 5
(empty)
60 100% Total Result
Count - Timely evaluation of risk
35 58%
18 30%
4 7%
3 5%

60 100%
k the extent to which your organization practices the following Rank the extent to which the following statements relate
control activities organization ‘information and communication syste

Count - Rank the extent to which your organiz

Percentage Management has i
30 50% 1
25 42% 2
2 3% 3
1 2% 4
2 3% 5
(empty)
60 100% Total Result
12 20% Mean

Count - Staffs are trained to implement th Percentage Communication he

31 52% 1
19 32% 2
8 13% 3
1 2% 4
1 2% 5
(empty)
60 100% Total Result
12 20% Mean

Count - It is impossible for one staff to have access to all valuable information without the consent of senior staff
23 38%
22 37%
11 18%
4 7%

60 100%
nk the extent to which the following statements relate to your Rank the extent to which the following statem
organization ‘information and communication system organization “monitoring proced

Count - Management has identified individuals who are

Percentage There are indepe
36 60% 1
17 28% 2
4 7% 3
2 3% 4
1 2% 5
(empty)
60 100% Total Result
12 20% Mean

Count - Communication helps to evaluate how well guPercentage Internal reviews

34 57% 1
20 33% 2
4 7% 3
1 2% 4
1 2% 5
(empty)
60 100% Total Result
12 20% Mean

mation without the consent of senior staff Monitoring has h

1
2
3
4
(empty)
Total Result
nk the extent to which the following statements relate to your
organization “monitoring procedures

Count - There are independent process checks

Percentage
36 60%
16 27%
6 10%
1 2%
1 2%
0%
60 100%
12 20%

Count - Internal reviews of implementation oPercentage

35 58%
17 28%
5 8%
2 3%
1 2%

60 100%
12 20%

Count - Monitoring has helped in assesing the quality of performance of the organisation over time
39 65%
13 22%
6 10%
2 3%

60 100%
To what extent FCount - To what extent Financial Risks impacts Percentage
1 43 72%
2 8 13%
3 8 13%
4 1 2%
(empty)
Total Result 60 100%
Mean 15 25%

Is your organisa Count - Is your organisation NBFC Percentage Strict organizati

No 28 47% 1
yes 32 53% 2
(empty) 3
Total Result 60 100% 4
Mean 30 50% 5
(empty)
Total Result
Mean
 A routine process
1

2
3
4
5
(empty)
Total Result
Mean

Count - Strict organizational control over loan transPercentage Delinquency is u

38 63% 1
13 22% 2
6 10% 3
2 3% 4
1 2% 5
(empty)
60 100% Total Result
5.5 9% Mean
Count - A routine process for comparing co
Percentage Maintaining detai
30 50% 1

22 37% 2
5 8% 3
2 3% 4
1 2% 5
(empty)
60 100% Total Result
7.5 13% Mean

Count - Delinquency is understood and addr

Percentage Measures of financ
34 57% 1
19 32% 2
2 3% 3
4 7% 4
1 2% 5
(empty)
60 100% Total Result
6.5 11% Mean
Count - Maintaining detailed estimates of projected cash inflows and outflows for the Percentage
37 62%

16 27%
4 7%
1 2%
2 3%

60 100%
5.75 10%

Count - Measures of financial risk Percentage

38 63%
16 27%
3 5%
1 2%
2 3%

60 100%
5.5 9%
To what extent OCount - To what extent OperationaPercentage An inspection un
1 29 48% 1
2 24 40% 2
3 4 7% 3
5 3 5% 5
(empty) (empty)
Total Result 60 100% Total Result
Mean 15 0.25 Mean

Is your organisa Count - Is your organisation NBFC Percentage The use of preve
No 28 47% 1
yes 32 53% 2
(empty) 3
Total Result 60 100% 4
Mean 30 50% 5
(empty)
Total Result
Mean
Count - An inspection unit that Percentage Strong internal
36 60% 1
15 25% 2
8 13% 3
1 2% 5
(empty)
60 100% Total Result
15 25% Mean

Count - The use of preventive mPercentage Adequate Loan tr

34 57% 1
20 33% 2
4 7% 3
1 2% 4
1 2% 5
(empty)
60 100% Total Result
6.5 11% Mean
 Percentag
Count - Strong internal controls to test e Measures for ope
36 60% 1
18 30% 2
4 7% 3
2 3% 5
(empty)
60 100% Total Result
15 25% Mean

Percentag
Count - Adequate Loan tracking informatio
e
37 62%
18 30%
2 3%
2 3%
1 2%
0%
60 100%
5.75 10%
 Percentag
Count - Measures for operational risk e
36 60%
18 30%
5 8%
1 2%

60 100%
15 0.25
To what extent SCount - To what extent Strategic Ri Percentage
1 24 40%
2 25 42%
3 8 13%
4 2 3%
5 1 2%
(empty)
Total Result 60 100%
mean 12 20%
Measures of strat
Count - Measures of strategic risks Percentage
1 38 63%
2 16 27%
3 5 8%
4 1 2%
(empty)
Total Result 60 100%
mean 15 25%

Boards compriseCount - Boards comprise the right mix of indiv Percentage

1 35 58%
2 18 30%
3 6 10%
4 1 2%
(empty)
Total Result 60 100%
mean 15 25%
 Percentag
The institutionalCount - The institutional by-laws are clear a e
1 38 63%
2 16 27%
3 5 8%
4 1 2%
(empty)
Total Result 60 100%
mean 15 25%
 Bad Debt Count - Bad Debt
1 29
2 17
3 11
4 2
5 1
(empty)
Total Result 60
Mean 12

Lack of good Int Count - Lack of good Internal control

1 27
2 22
3 8
4 1
5 2
(empty)
Total Result 60
Mean 12
Percentage Lack of AffordabCount - Lack of A Percentage
48% 1 17 28%
28% 2 19 32%
18% 3 13 22%
3% 4 7 12%
2% 5 4 7%
(empty)
100% Total Result 60 100%
20% Mean 12 20%

Percentage Fraud Count - Fraud Percentage

45% 1 30 50%
37% 2 17 28%
13% 3 8 13%
2% 4 5 8%
3% (empty)
Total Result 60 100%
100% Mean 15 25%
20%
Financial risk Count - Financial risk percentage Operational risk
1 42 70% 1
2 12 20% 2
3 5 8% 3
5 1 2% 4
(empty) (empty)
Total Result 60 100% Total Result
mean 15 25% mean

Strategic risk Count - Strategic risk percentage

1 30 50%
2 23 38%
3 5 8%
4 1 2%
5 1 2%
(empty)
Total Result 60 100%
mean 7.5 13%
Count - Operational risk percentage
35 58%
17 28%
5 8%
3 5%

60 100%
15 0.25
Which internal cCount - Which internal control components is used witHow do you examine the performance
a) Internal audit 36 Asset Quality
All 1 Customer satisfaction
b) Supervision 7 Degree of objective attainment
c) Information 1 Performance
Combination of A 1 Profitability
d) Monitoring 13 Return on asset
Risk 1 Return on equity
(empty) (empty)
Total Result 60 Total Result

Does the managem

Count - Does the management closely monitor implement
At what level risk management and inte
Maybe 3 At branch level
No 2 At branch level with the approval of he
Yes 55 At head office level
(empty) It depends on situation be it branch ,
Total Result 60 Particular zonal office
(empty)
Is your organisa Count - Is your organisation NBFC Total Result
No 28
yes 32
(empty)
Total Result 60
Count - How do you examine the performance withinWhich of the following factors are the bigge
1 Age
1 Age;Gender;Income;Credit History
18 Age;Gender;Income;Education;Credit History;
1 Age;Income;Credit History;Amount of loan
27 all of the above
5 Amount of loan
7 Credibility
Credit History
60 Credit History;Amount of loan
Education
Education;all of the above

Count - At what level risk management and internal con

Education;Credit History;Amount of loan
7 Income
24 Income;Amount of loan
27 Income;Credit History
1 Income;Credit History;Amount of loan
1 Income;Credit History;Amount of loan;Politic
Income;Credit History;Caste factor
60 Income;Education
Income;Education;Credit History
Income;Education;Credit History;Amount of
Income;Education;Lack of focus on recovery
Political Risk and Natural calamity
(empty)
Total Result
Count - Which of the following factors are the biggest predictor of non payment of new clients? You can choose more than on
1
1
1
2
6
7
1
6
4
3
1

2
4
1
6
7
1
1
1
1
1
1
1

60
nts? You can choose more than one option
 percentage
Is your organisa Count - Is your organisati If risks are controlled th
No 28 47% no
yes 32 53% yes
(empty) (empty)
Total Result 60 100% Total Result

Total
No If risks are controlled th
No
23% yes
Total Result (empty)
may be
50% Total Result yes
yes
27% (empty)
Total Result

Do you think bettCount - Do you think better internal control system helps Cost effective and most eff
Maybe 2 3% Better loan management s
No 1 2% Conservative credit policy
Yes 57 95% Credit score model
(empty) Effective internal control s
Total Result 60 100% Encouraging customer to ta

Total
Staff training
(empty)
2%
1%
Total Result
Maybe
No
50% Yes
48% (empty)
Total Result
Is there any risk manageme
no
yes
(empty)
Total Result
 Total
Count - If risks are controlled Percentage
2 3%
no no
58 97% 2% yes
Total Result yes (empty)
50% 48%
60 100% Total Result

Count - If risks are controlled Percentage

3 5% Total
57 95%
may be
3%
60 100%
Total
Result yes
50% 48%

Total
Better
Count - Cost effective and mostpercentage loan
manage Conserva
11 18% ment tive
system credit
13 22% 9% policy
Credit
11%
6 10% Total score
18 30% Result Effective
model
50% internal
5%
2 3% control
system
StaffEncourag
15%
ing
training
8%custome
r to take
short
10 17% term
loan
2%
60 100%

Count - Is there any risk management department in your organisation

2
58

60
If yes, who does the risk m Count - If yes, who does the risk management heIs there any nee
Area Manager 1 Maybe
CEO 5 No
Chairman 1 Yes
Chairperson 1 (empty)
Cheif Risk Officer (CRO) 1 Total Result
Chief risk manager 1
Chief Risk Officer 1
CMD 1 If yes, why do yo
CREDIT AND RISK HEAD 1 All of the above
Easily 1 All of the above
Fraud related any activity 1 As it is already i
H.O.D. 1 Internal control
Head Office 6 Internal control
Head Office 1 Internal contro

Higher authority of manage 1 The MFI is in its

HO 2 (empty)
Internal Auditor 1 Total Result
Kamlakanta Sir 1
Manager 1
Managing Director 2

Managing Director and CEO 1 Do you think goo

MD 7 Yes
MD 1 (empty)
Mr Prasahnat 1 Total Result
No 1
Pintu kumar 1

REGARDING FRAUD AND LO 1

Regional office staff 1
Regional operational manag 1
Risk Head 1
Risk Management Committ 1
Risk management head 1
Risk management head repor 1
Whole Time Director 1
Zonal Office 1
(empty)
Total Result 52
Count - Is there any need for internal percentage
11 18%
11 18%
38 63%

60 100%

Count - If yes, why do you think it is percentage

29 56%
1 2%
1 2%
9 17%
6 12%
3 6%

3 6%

52 100%

Count - Do you think good internal control systems increase the performance of your organization?
60

60