Measuring Our Impact

UNAPP powers monthly MIS—PAR30, on‑time rate, vintages, and roll rates. AI assists; a UNA officer makes every decision.

How UNA Strengthens Accountability, Transparency, and Community Outcomes Through Data Discipline?

In the inclusive finance ecosystem, measurement is not a compliance obligation—it is a strategic capability. The global microfinance sector has demonstrated that sustainable community lending requires disciplined tracking of repayment behavior, customer outcomes, and portfolio performance. At UNA, we operationalize this principle through UNAPP, our proprietary monthly Management Information System (MIS) engineered to deliver clear visibility into portfolio health and community impact.

UNAPP powers our monthly monitoring cycle and enables real-time oversight of the core indicators that define a responsible, community-based financing institution.

A Data-Driven Approach to Responsible, Community-Centered Financing

UNA’s business model is grounded in financial transparency, fair pricing, and human-centered lending—values. Their commitment to empowering women-led micro-businesses through structured oversight and community engagement has shaped how responsible lenders measure success.

We follow the same operational ethos:Strong data. Strong governance. Strong communities.

Our measurement framework ensures that every financial product—from small-business working capital to micro-entrepreneur livelihood loans—is aligned with the cash-flow realities of sari-sari stores, palengke vendors, carinderias, food stalls, mobile sellers, and emerging online businesses across the Philippines.

The UNAPP Monthly MIS Framework

Each month, UNAPP consolidates field performance, payments data, and risk signals into a unified dashboard. This ensures our teams have clear governance visibility and enables proactive, client-centered interventions.

The system monitors four high-impact metrics:

1. PAR30 (Portfolio at Risk > 30 Days)

Globally recognized as the cornerstone indicator of portfolio quality, PAR30 shows the percentage of loans overdue by 30+ days. A consistently low PAR30 score signals:

• Sustainable borrower cash flow

• Strong repayment discipline

• Healthy lender–borrower relationships

• Effective credit screening and community onboarding

Maintaining a disciplined PAR30 profile protects both our portfolio and the financial security of every client we serve.

2. On-Time Repayment Rate

UNA tracks the on-time rate to validate whether repayment schedules are appropriately matched to real-world earning cycles. High on-time performance confirms:

• Predictable income flows

• Sustainable loan design

• Low stress on borrowers

• Strong financial resilience in micro-businesses

This metric is particularly critical for women-led community enterprises, which often operate with tight margins and daily cash cycles.

3. Vintages (Cohort Performance)

Vintages allow us to compare borrower groups across different periods. This helps UNA identify:

• Early signals of cash-flow strain

• Seasonal shifts in micro-retail and market-based businesses

• Training or engagement gaps in newly onboarded communities

Vintage analytics are fundamental to long-term portfolio sustainability and credit risk management.

4. Roll Rates

Roll rates track the movement of accounts from one delinquency stage to the next. This view enhances:

• Early warning detection

• Field team intervention planning

• Supportive engagement for at-risk clients

• Predictive forecasting of credit behavior

Roll rate visibility is essential for a responsible, community-based lender committed to borrower protection.

AI-Assisted Oversight, Human-Led Decisions

While UNAPP leverages AI to accelerate analysis, flag unusual patterns, and surface exceptions, our governance model remains firmly human-centric.

AI assists; a UNA officer makes every decision.

This ensures every approval, restructuring, or risk intervention is anchored in:

• Local context

• Ground-level field knowledge

• Community understanding

• Client relationships

• Responsible judgment

Technology strengthens our precision. People ensure our empathy.

Benchmarking Against Global Best Practices

UNA’s measurement architecture is inspired by the most respected names in inclusive finance, including Grameen Bank, whose legacy continues to define what responsible microfinance should look like. From their women-focused lending approach to their operational discipline in tracking repayment behavior, their model validates the impact of structured governance.

By aligning with these global benchmarks while integrating digital MIS capabilities, AI-powered insights, and Philippine-specific community lending design, UNA stands at the intersection of:

• Financial inclusion

• Community empowerment

• Modern microfinance

• Transparent community-based lending

• MSME financing built for underserved entrepreneurs

Why Impact Measurement Matters for the Communities We Serve

Every metric we monitor ties back to our core mission:Fair. Transparent. Human.

Impact measurement allows UNA to:

• Protect borrowers from over-indebtedness

• Build trust through transparent lending structures

• Ensure repayment terms align with real market conditions

• Strengthen resilience among micro-entrepreneurs

• Drive sustainable, long-term partnerships in every community

• Scale responsible financing models nationwide

Measuring our impact is how we maintain accountability to the communities that trust us.

Looking Forward: Scaling Impact With Discipline

UNA will continue to expand into more communities, serve more women-led businesses, and support more micro-entrepreneurs. As we scale, our commitment remains unwavering:

• Responsible lending

• Data integrity

• Transparent cost structures

• Human-centered decision-making

• Inclusive financial growth

Our impact grows only when our communities grow. And growth begins with disciplined, transparent measurement.