Internship Report on UPAP Page3

Internship Report  for MBA (Banking & Finance) of Allama Iqbal Open University, Islamabad 

on Urban Poverty Alleviation Programme (UPAP) 

         4.3  Operations of Finance & Credit Department of Zonal office                        

         4.4  Operations of Finance & Credit Department of Head Office                     

                  4.4.1. Internal Audit Function                                                                      

                         4.4.1.1 Borrower’s appraisals checking                                             

                         4.4.1.2 FIS Vouchers Checking                                                             

                         4.4.1.3 Payroll Checking                                                                       

                        4.4.1.4 Bank Reconciliation                                                                   

               4.4.2 National Monthly Progress Report (MPR)                                            

               4.4.3 Monthly Statement                                                                                 

               4.4.4 Fund Management                                                                                  

               4.4.5 Human Resource Management Function                                             

               4.4.6 Management of Receipt Books                                                            

               4.4.7 FIS of Head Office                                                                                 

                4.4.8 Signatories Record of All Bank Accounts                                            

                4.4.9 MIS Data Consolidation                                                                       

                4.4.10 Fixed Asset Schedule                                                                        

                4.4.11 Micro Insurance Claim Payment Record                                     

                4.4.12 Robbery Record Sheet                                                               

                4.4.13 Other Function                                                                                  

          4.5 Role of Financial Managers                                                                           

                 4.5.1 Management of Fund                                                                           

                 4.5.2 Management of Credit                                                                        

                 4.5.3 Cash Management                                                                             

          4.6 Use of Electronic Data in Decision Making                                                  

                 4.6.1 Management Information System (MIS)                                            

                 4.6.2 Financial Information System (FIS)                                                   

                 4.6.3 Payroll                                                                                                 

                 4.6.4 EMP                                                                                                     

          4.7 Source and Generation of Fund                                                                  

         4.8 Allocation of funds                                                                                        

5     Critical Analysis of the Theoretical Concepts Relating to

       Practical Experience                                                                                              

       4.1 Selection of Local/Targeting the Poor                                                             

       5.2 Programme Introduction                                                                                 

       5.3 Group Formation                                                                                             

       5.4 Group Accounts                                                                                               

       5.5 Training of the Group Members                                                                     

       5.6 Loan Processing and Credit Disbursement                                                     

       5.7 Credit Disbursement Strategy                                                                         

       5.8 The committee- A Local Saving/Credit System                                               

       5.9 Service charge On Daily Product Basis                                                         

5.10 UPAP Is Not Catering to the Social Needs of the Borrowers                       

6   Financial Analysis                                                                                                 

      6.1 Balance Sheet                                                                                                   

      6.2 Income Statement                                                                                             

            6.3.1 How to drive ratios                                                                                  

               6.3.2Ratios                                                                                                    

               6.3.3 Ratios Analysis                                                                                     

                        6.3.3.1 Sustainability / Profitability Ratios                                          

                        6.3.3.2 Asset / Liability Management Ratios                                        

                        6.3.3.3 Portfolio Quality Ratios                                                            

                        6.3.3.4 Efficiency / Productivity Ratios                                              

        6.4 Horizontal Analysis of Balance Sheet                                                             

            6.4.1 Total Assets                                                                                             

            6.4.2 Total Liabilities and Equity                                                                     

     6.5 Horizontal Analysis of Income Statement                                                          

           6.5.1 Financial Revenue                                                                                     

           6.5.2 Other Operating Income                                                                           

           6.5.3 Financial Expenses                                                                                   

           6.5.4 Operating Expenses                                                                                  

           6.5.5 Net Operating Income                                                                             

     6.6 Vertical Analysis of Balance Sheet