HOTARARE   Nr. 136 din  6 februarie 2003

privind modificarea anexei la Hotararea Guvernului nr. 1.365/2000 pentru aprobarea schemei de microcredite in vederea administrarii fondului de 3,6 milioane dolari S.U.A. prevazut in Acordul de imprumut nr. 4.509-RO acordat Romaniei de Banca Internationala pentru Reconstructie si Dezvoltare

ACT EMIS DE: GUVERNUL ROMANIEI

ACT PUBLICAT IN: MONITORUL OFICIAL  NR. 110 din 20 februarie 2003

    In temeiul art. 107 din Constitutie,

    Guvernul Romaniei adopta prezenta hotarare.

    ARTICOL UNIC
    Anexa la Hotararea Guvernului nr. 1.365/2000 pentru aprobarea schemei de microcredite in vederea administrarii fondului de 3,6 milioane dolari S.U.A. prevazut in Acordul de imprumut nr. 4.509-RO acordat Romaniei de Banca Internationala pentru Reconstructie si Dezvoltare, publicata in Monitorul Oficial al Romaniei, Partea I, nr. 29 din 16 ianuarie 2001, cu modificarile si completarile ulterioare, se modifica dupa cum urmeaza:
    1. Articolul 43 va avea urmatorul cuprins:
    "Art. 43
    Agentia de credit selectata va deschide si va mentine un cont de disponibil in lei destinat pentru microcredite la o banca comerciala agreata de ANDIPRZM, atat pentru transferul sumelor in lei catre beneficiari, cat si pentru incasarea rambursarilor de la beneficiari."
    2. Articolul 45 va avea urmatorul cuprins:
    "Art. 45
    Agentia de credit selectata va deschide si va mentine un cont de disponibil in lei la filiala trezoreriei statului din zona in care isi desfasoara activitatea, cont in care va incasa sumele cuvenite pentru serviciile de administrare."
    3. Articolul 46 va avea urmatorul cuprins:
    "Art. 46
    Agentia de credit va schimba valuta din contul de la banca comerciala si va transfera sumele in lei obtinute in contul deschis conform art. 43. Sumele in lei astfel obtinute vor fi transferate in conturile beneficiarilor de la banci comerciale sau vor fi utilizate pentru achitarea facturilor furnizorilor beneficiarilor."
    4. Articolul 47 va avea urmatorul cuprins:
    "Art. 47
    Beneficiarii vor incasa sumele reprezentand microcreditul in contul lor de la o banca comerciala (pentru capital de lucru, plata furnizorilor) sau vor primi bunurile si/sau serviciile contractate si achitate direct de catre agentia de credit, in conformitate cu prevederile contractului incheiat cu aceasta."
    5. Articolul 53 va avea urmatorul cuprins:
    "Art. 53
    Sumele colectate din rambursarea microcreditelor in contul deschis conform art. 43 vor fi utilizate pentru efectuarea platilor catre beneficiari sau furnizorii beneficiarilor din noile microcredite acordate."
    6. Anexele nr. 5A si 5B la schema de microcredite se inlocuiesc cu anexele nr. 1 si 2 la prezenta hotarare.
    7. Anexa nr. 8 la schema de microcredite se inlocuieste cu anexa nr. 3 la prezenta hotarare.

                  PRIM-MINISTRU
                  ADRIAN NASTASE

                         Contrasemneaza:
                         Ministrul industriei si resurselor,
                         Dan Ioan Popescu

                         Ministrul finantelor publice,
                         Mihai Nicolae Tanasescu

    ANEXA 1*)

    *) Anexa nr. 1 este reprodusa in facsimil.

                       CIRCUITUL FONDURILOR DIN IMPRUMUT

                                      ________________           ____________
 <----- Fond microcredite            |                |         | Ministerul |
 <- - - Fonduri comisioane           | Banca Mondiala |         | Finantelor |
        administrare                 |________________|         |____________|
                                             |                         ^
                                  virare fond microcredite             |
                                  si comisioane administrare           |
                                          (valuta)                     |
                                             |                         |
 ____________                          ______|______                   |
|MIC PMU     | virare c/val.          |MIC UMP      |         rambursare finala
|            | comisioane             |             |         fond microcredite
|Trezoreria  | administrare (valuta)  |Banca        |                (lei)
|statului    |<-----------------------|comerciala   |                  |
|            |                        |             |                  |
|Cont lei    |                        |Cont valuta  |                  |
|____________|                        |_____________|                  |
      |                                      |                         |
 virare c/val.                               |                         |
 comisioane                                  |                         |
 administrare                                |                         |
    (lei)                                    |                    _____|_______
      |                                      |                   |MIC ANDIPRZM |
 _____v______                      virare c/val. transe          |             |
|MIC ANDIPRZM|                     fond microcredite             |Trezoreria   |
|            |                           (valuta)                |statului     |
|Trezoreria  |                               |                   |             |
|statului    |                               |                   |Cont dedicat |
|            |                               |                   |rambursare   |
|Cont lei    |                               |                   |microcredite |
|            |                               |                   |    (lei)    |
|____________|                               |                   |_____________|
      |                                      |                         ^
      |                                      |                         |
 virare c/val.  virare c/val.                |                    rambursare
 comisioane     comisioane                   |                    finala fond
 administrare   administrare                 |                    microcredite
    (lei)          (lei)                     |                       (lei)
      |         _____________                |                         |
      |        |             |               |                         |
 _____v______  |     ________v___   _________v___                 _____|_______
|Agentia de  | |    |Agentia de  | |Agentia de   |               |Agentia de   |
|credit      | |    |credit      | |credit       | virare c/val. |credit       |
|            |_|    |            | |             | transe fond   |             |
|Trezoreria  |      |Banca       | |Banca        | microcredite  |Banca        |
|statului    |      |comerciala  | |comerciala   | (valuta)      |comerciala   |
|            |      |            | |             |-------------->|             |
|Cont lei    |      |Cont dedicat| |Cont dedicat |               |Cont dedicat |
|            |      |cheltuieli  | |microcredite |               |microcredite |
|            |      |operationale| |  (valuta)   |               |    (lei)    |
|            |   -->|   (lei)    | |             |               |             |
|____________|  |   |____________| |_____________|               |_____________|
                |                                                   |   ^
                |                       virare c/val. microcredite  |   |
                |                       ____________________________|   |
                |                      |      aprobate (lei)            |
                |                      |                                |
                |                   ___v________                        |
                |                  |Beneficiar  |                       |
                |                  |(furnizor   |                       |
                |                  |beneficiar) |      rambursare       |
                |       rambursare |            |_____ microcredit _____|
                |______ dobanzi ___|Banca       |         (lei)
                         (lei)     |comerciala  |     
                                   |            |
                                   |Cont lei    |     
                                   |____________|

    ANEXA 2*)

    *) Anexa nr. 2 este reprodusa in facsimil.

                     CIRCUITUL REVOLVING AL FONDURILOR

    <----- Fonduri din rambursari de microcredite
    <- - - Fonduri din dobanzi

 __________     _____________      _____________                 ______________
|          |   |Agentii de   |    |Agentii de   |               |Agentii de    |
|          |   |credit       |    |credit       |               |credit        |
|Agentii de|   |             |    |             | virarea c/val.|              |
|credit    |   |Banca        |    |Banca        | transe fond   |Banca         |
|          |   |comerciala   |    |comerciala   | microcredite  |comerciala    |
|Trezoreria|   |             |    |             | (valuta)      |              |
|statului  |   |Cont dedicat |..  |Cont dedicat |-------------->|Cont dedicat  |
|          |   |cheltuieli   | :  |cheltuieli   |               |microcredite  |
|Cont lei  |   |operationale | :  |operationale |               |    (lei)     |
|          |   |    (lei)    | :  |  (valuta)   |               |              |
|__________|   |_____________| :  |_____________|               |______________|
                       ^       :                                   ^      |  ^
                       :       :     virare excedent               :      |  |
                       :       :.... din dobanzi (lei) ............:      |  |
                       :                                                  |  |
                       :                                                  |  |
                       :                                   |  |
                       :     rambursare dobanzi          virare c/val.    |  |
                       :.......... (lei) .........   ___ transe fond  ____|  |
                                                 :  |    microcredite din    |
                                           ______:__v__  imprumut (lei)      |
                                          |Beneficiar  |                     |
                                          |(furnizor   |   rambursare        |
                                          |beneficiar) |__ microcredit ______|
                                          |            |      (lei)
                                          |Banca       |
                                          |comerciala  |
                                          |            |
                                          |Cont lei    |
                                          |____________|

    ANEXA 3*)

    *) Anexa nr. 3 este reprodusa in facsimil.

                                 MECANISMUL
de raportare, evaluare, supervizare si control al activitatii agentiei de credit

    Controlul intern

    Principalele arii ale controlului operational sunt:
 ______________________________________________________________________________
|            Functia                 |                  Obiectul               |
|____________________________________|_________________________________________|
| Inregistrarea/urmarirea creditelor | Capitalul potential al proiectului      |
|                                    | Aprecierea procesarilor standard        |
|____________________________________|_________________________________________|
| Inregistrarea/procesarea cererilor | Aprecierea proiectelor propuse          |
| de finantare                       | Aprecierea utilizarii fondurilor/       |
|                                    | fluxurilor de numerar viitoare          |
|____________________________________|_________________________________________|
| Aprobarea cererilor de finantare   | Incheierea contractelor                 |
|                                    | Fundamentarea contractelor de creditare |
|                                    | Certificarea garantiilor                |
|                                    | Masuri de asigurare a succesului        |
|                                    | programului                             |
|____________________________________|_________________________________________|
| Urmarirea performantelor           | Inregistrarea rambursarilor             |
| beneficiarilor                     | Actiuni privind intarzierile            |
|____________________________________|_________________________________________|
| Finantarea operationala            | Control eficient                        |
|                                    | Masurarea profitului                    |
|                                    | Capacitatea de a constitui rezerve      |
|____________________________________|_________________________________________|

    Toate aceste functii sunt amendabile in momentul semnarii contractului dintre agentia de credit si ANDIPRZM. Utilizarea unui software eficient poate usura controlul intern si aprecierea in timp util a problemelor care intervin in creditare.

    Probleme de creditare

    In actiunile de creditare intervin doi factori importanti:
    Imaginea si filozofia schemei de microcredite conform careia personalul si clientii vor fi de acord ca anumite intarzieri sa nu fie tolerate;
    Sistemele de control intern al managementului si al informatiei care sa poata rezolva aceste intarzieri de indata ce acestea apar.

    Contacte
    Contactele cu beneficiarii care au probleme in utilizarea microcreditelor sau care esueaza pot imbraca diferite forme:
    Notificari privind scadenta;
    Scrisori - acestea sunt utilizate in situatiile in care agentia de credit sau ANDIPRZM nu pot lua contact in alt mod;
    Note telefonice - acestea pot reprezenta cele mai eficiente si rapide modalitati de comunicare;
    Vizite personale - acestea sunt cele mai scumpe, dar sunt si cele mai eficiente.

    Actiuni:
    Determinarea motivelor care au condus la aparitia unor probleme in utilizarea microcreditelor;
    Inregistrarea noilor informatii; obtinerea de informatii financiare recente;
    Stabilirea in comun a masurilor de rezolvare;
    Asigurarea ca clientul tine legatura si intreprinde actiunile stabilite de comun acord.

    Actiuni posibile:
    Returnarea stocurilor, contactarea unui agent pentru vanzarea surplusului de produse, presiuni asupra debitorilor;
    Vanzarea surplusului de echipamente;
    Introducerea unor costuri de capital noi si scazute;
    Vanzarea de actiuni (parti sociale);
    Reesalonarea termenelor de rambursare a creditului.

    In cazul fiecarei actiuni este important sa fie asigurata validitatea garantiilor si ca beneficiarul sa nu aiba voie sa deterioreze aceste garantii, astfel incat, daca este necesar, acestea sa poata fi executate pentru acoperirea creditului.

    Forma raportului costurilor operationale si a activitatii fondului de microcredite

                              ANALIZA RATELOR

    Numele organizatiei:
    Luna si anul:

                                                 ______________________________
                                                |Trimestrul|Cumulat|Tinta      |
                                                |curent    |in an  |de realizat|
 _______________________________________________|__________|_______|___________|
|          RATE DE PROFITABILITATE              |          |       |           |
|_______________________________________________|__________|_______|___________|
| Venituri                                      |          |       |           |
| _____________________________________________ |          |       |           |
| Costuri financiare + pierderi ale imprumutului|          |       |           |
|_______________________________________________|__________|_______|___________|
| Total venituri din imprumut                   |          |       |
| _____________________________________________ |          |       |
| Media portofoliului de credite*               |          |       |
|_______________________________________________|__________|_______|
| Venitul net din operare                       |          |       |
| _____________________________________________ |          |       |
| Media activelor totale*                       |          |       |
|_______________________________________________|__________|_______|
| Venituri financiare                           |          |       |
| _____________________________________________ |          |       |
| Media activelor productive*                  |          |       |
|_______________________________________________|__________|_______|
| Provizioane pentru pierderea microcreditelor  |          |       |
| _____________________________________________ |          |       |
| Media activelor productive*                  |          |       |
|_______________________________________________|__________|_______|
| Costuri operationale                          |          |       |
| _____________________________________________ |          |       |
| Media activelor productive*                  |          |       |
|_______________________________________________|__________|_______|
| Venitul net din operare                       |          |       |
| _____________________________________________ |          |       |
| Media activelor productive*                  |          |       |
|_______________________________________________|__________|_______|
| Surplusul/Deficitul net                       |          |       |
| _____________________________________________ |          |       |
| Media activelor productive*                  |          |       |
|_______________________________________________|__________|_______|
| STRUCTURA FINANCIARA                          |          |       |
|_______________________________________________|__________|_______|
| Portofoliul de credite                        |          |       |
| _____________________________________________ |          |       |
| Total active                                  |          |       |
|_______________________________________________|__________|_______|
| Casa + conturi bancare                        |          |       |
| _____________________________________________ |          |       |
| Total active                                  |          |       |
|_______________________________________________|__________|_______|
| Active curente                                |          |       |
| _____________________________________________ |          |       |
| Pasive curente                                |          |       |
|_______________________________________________|__________|_______|
| Surplusul (deficitul) veniturilor fata de     |          |       |
| cheltuieli                                    |          |       |
| _____________________________________________ |          |       |
| Total active                                  |          |       |
|_______________________________________________|__________|_______|
| RATE DE PORTOFOLIU                            |          |       |
|_______________________________________________|__________|_______|___________
| Total credite intarziate                      |          |       |           |
| _____________________________________________ |          |       |           |
| Portofoliul brut de credite                   |          |       |           |
|_______________________________________________|__________|_______|___________|
| Suma creditelor scoase din activ              |          |       |           |
| _____________________________________________ |          |       |           |
| Media portofoliului de credite                |          |       |           |
|_______________________________________________|__________|_______|___________|
| Provizioane pentru pierderi din microcredite  |          |       |
| _____________________________________________ |          |       |
| Portofoliul brut de microcredite              |          |       |
|_______________________________________________|__________|_______|
| RATE DE EFICIENTA A OPERARII                  |          |       |
|_______________________________________________|__________|_______|
| Costuri operationale                          |          |       |
| _____________________________________________ |          |       |
| Suma totala trasa                             |          |       |
|_______________________________________________|__________|_______|
| Costuri operationale                          |          |       |
| _____________________________________________ |          |       |
| Numarul de credite acordate                   |          |       |
|_______________________________________________|__________|_______|
| Costuri operationale                          |          |       |
| _____________________________________________ |          |       |
| Portofoliul brut de credite                   |          |       |
|_______________________________________________|__________|_______|
| Numarul total de clienti activi               |          |       |
| _____________________________________________ |          |       |
| Numarul de ofiteri de credit                  |          |       |
|_______________________________________________|__________|_______|
| Portofoliul total brut de credite             |          |       |
| _____________________________________________ |          |       |
| Numarul de ofiteri de credite                 |          |       |
|_______________________________________________|__________|_______|
    * Media datoriilor = Soldul creditelor la inceputul perioadei + Soldul creditelor in sold la sfarsitul perioadei, impartit la numarul de luni in perioada + 1
    * Active productive = Casa + Conturi bancare + Investitii + Portofoliul de credite.

    Bilantul
    Numele Organizatiei:
    Luna si anul:                                                       _______
                                                                       |       |
 ______________________________________________________________________|_______|
| ACTIVE                                                               |       |
|______________________________________________________________________|_______|
| Casa                                                                 |       |
|______________________________________________________________________|_______|
| Conturi bancare                                                      |       |
|______________________________________________________________________|_______|
| Alte conturi bancare                                                 |       |
|______________________________________________________________________|_______|
| Depozite purtatoare de dobanda                                       |       |
|______________________________________________________________________|_______|
| Portofoliul de credite                                               |       |
|______________________________________________________________________|_______|
|     Portofoliul de credite al AC: curent                             |       |
|______________________________________________________________________|_______|
|     Portofoliul de credite al AC: neperformante                      |       |
|______________________________________________________________________|_______|
|     Portofoliul de credite al AC: reesalonate                        |       |
|______________________________________________________________________|_______|
|                                         Total portofoliu de credite  |       |
|______________________________________________________________________|_______|
|     Alte portofolii de credite: curent                               |       |
|______________________________________________________________________|_______|
|     Alte portofolii de credite: neperformante                        |       |
|______________________________________________________________________|_______|
|     Alte portofolii de credite: reesalonate                          |       |
|______________________________________________________________________|_______|
|                                     Total alte portofolii de credite |       |
|______________________________________________________________________|_______|
|                            Total portofolii de credite: AC si altele |       |
|______________________________________________________________________|_______|
|   (Rezerve de pierderi ale imprumutului AC)                          |       |
|______________________________________________________________________|_______|
|   (Alte rezerve de pierderi ale imprumutului)                        |       |
|______________________________________________________________________|_______|
|           (Total rezerve de pierderi ale imprumutului: AC si altele) |       |
|______________________________________________________________________|_______|
|   Portofoliul net de credite al AC                                   |       |
|______________________________________________________________________|_______|
|   Alt portofoliu net de credite                                      |       |
|______________________________________________________________________|_______|
|                            Portofoliul net de credite (AC si altele) |       |
|______________________________________________________________________|_______|
| Conturi debitoare                                                    |       |
|______________________________________________________________________|_______|
| Alte active curente                                                  |       |
|______________________________________________________________________|_______|
| TOTAL ACTIVE CURENTE                                                 |       |
|______________________________________________________________________|_______|
| Investitii pe termen lung                                            |       |
|______________________________________________________________________|_______|
| Proprietati si echipamente                                           |       |
|______________________________________________________________________|_______|
|   (Amortizare cumulata)                                              |       |
|______________________________________________________________________|_______|
|      Proprietati si echipamente - net                                |       |
|______________________________________________________________________|_______|
| TOTAL ACTIVE PE TERMEN LUNG                                          |       |
|______________________________________________________________________|_______|
| TOTAL ACTIVE                                                         |       |
|______________________________________________________________________|_______|
|                                                                      |       |
|______________________________________________________________________|_______|
| PASIVE SI PROPRIETATI NETE                                           |       |
|______________________________________________________________________|_______|
| Pasive                                                               |       |
|______________________________________________________________________|_______|
| Imprumutul AC                                                        |       |
|______________________________________________________________________|_______|
| Sume atrase pe termen scurt                                          |       |
|______________________________________________________________________|_______|
| Rezerve ale clientilor: certificate de depozit                       |       |
|______________________________________________________________________|_______|
| Rezerve ale clientilor: depozite la termen                           |       |
|______________________________________________________________________|_______|
| Venituri amanate                                                     |       |
|______________________________________________________________________|_______|
| Costuri de capital de plata ale AC                                   |       |
|______________________________________________________________________|_______|
| Alte datorii                                                         |       |
|______________________________________________________________________|_______|
| TOTAL PASIVE CURENTE                                                 |       |
|______________________________________________________________________|_______|
| Datorii pe termen lung                                               |       |
|______________________________________________________________________|_______|
| Alte pasive pe termen lung                                           |       |
|______________________________________________________________________|_______|
| TOTAL PASIVE PE TERMEN LUNG                                          |       |
|______________________________________________________________________|_______|
| TOTAL PASIVE                                                         |       |
|______________________________________________________________________|_______|
| CAPITAL                                                              |       |
|______________________________________________________________________|_______|
| Capital total                                                        |       |
|______________________________________________________________________|_______|
| Capitalul actionarilor (asociatilor)                                 |       |
|______________________________________________________________________|_______|
| Surplusul (Deficitul) veniturilor fata de cheltuieli (anii anteriori)|       |
|______________________________________________________________________|_______|
| Surplusul (Deficitul) veniturilor fata de cheltuieli (anul curent)   |       |
|______________________________________________________________________|_______|
| TOTAL CAPITAL                                                        |       |
|______________________________________________________________________|_______|

    Raportul portofoliului total in luna

    Numele organizatiei:                                        _______________
    Luna si anul:                                              |Luna   |Cumulat|
                                                               |curenta|in an  |
 ______________________________________________________________|_______|_______|
| Valoarea totala a microcreditelor platite in perioada        |       |       |
|______________________________________________________________|_______|_______|
| Numarul total al microcreditelor platite in perioada         |       |       |
|______________________________________________________________|_______|_______|
| Numarul microcreditelor in analiza (la sfarsitul perioadei)  |       |       |
|______________________________________________________________|_______|_______|
| Valoarea microcreditelor neplatite (la sfarsitul perioadei)  |       |       |
|______________________________________________________________|_______|_______|
| Valoarea microcreditelor aflate in sold                      |       |       |
|______________________________________________________________|_______|_______|
| Valoarea platilor intarziate (la sfarsitul perioadei)        |       |       |
|______________________________________________________________|_______|_______|
| Valoarea microcreditelor nerambursate si intarziate (la      |       |       |
| sfarsitul perioadei)                                         |       |       |
|______________________________________________________________|_______|_______|
| Valoarea microcreditelor pierdute in perioada                |       |       |
|______________________________________________________________|_______|_______|
| Valoarea medie a creditului in perioada                      |       |       |
|______________________________________________________________|_______|_______|
| Media numarului de ofiteri de credit in perioada             |       |       |
|______________________________________________________________|_______|_______|

    Forma raportului lunar al activitatii fondului de microcredite

    Raport Lunar - Financiar                            Luna: ______________

    a. Fondul de microcredite [USD]

      a1               a2             a3          a4=a1+a2-a3
  ___________     ___________     ___________     ___________
 |___________| + |___________| - |___________| = |___________|
  Transe din      Transe din      Microcredite    Fond
  fond primite    fond primite    acordate din    Neutilizat
  pana la         luna de         fondul de
  sfarsitul       raportare       microcredite
  lunii                           cumulat pana
  anterioare                      la sfarsitul
                                  lunii de
                                  raportare

    b. Microcredite nerambursate

      b1              b2               b3            b4        b5 = b1-b2+b3-b4
 __________     _____________     ___________     _________     __________
|          | - |             | + |           | - |         | = |          |
|__________|   |_____________|   |___________|   |_________|   |__________|
Total          Valoarea          Microcredite    Rambursari    Total
microcredite   provizioanelor    acordate luna   principal     microcredite
acordate       aferenta          curenta +       pana la       nerambursate
pana la        microcreditelor   reactivate      sfarsitul     pana la
sfarsitul      scoase din                        perioadei     sfarsitul
lunii          activ                             de            lunii de
anterioare                                       raportare     raportare

                                                      c
                                                  __________
    c. Dobanzi, comisioane, taxe pentru fond     |__________|

    Raport lunar (FONDUL AC) - Portofoliul

                                                        Luna:

                        a           b            c         d           e
                  _____________________________________________________________
                 |   Nr. de   |Valoare     |  % din    |Provizion| Valoare     |
                 |microcredite|microcredite| portofoliu|         | provizioane |
                 |            |nerambursate|           |   (%)   |    (USD)    |
    _____________|____________|____________|___________|_________|_____________|
1. |Microcredite |            |            |           |         |             |
   |curente      |            |            |           |         |             |
   |_____________|____________|____________|___________|_________|_____________|
2. |Microcredite |            |            |           |         |             |
   |esuate       |            |            |           |         |             |
   |_____________|____________|____________|___________|_________|_____________|
3. |1 - 30 zile  |            |            |           |   20%   |             |
   |_____________|____________|____________|___________|_________|_____________|
4. |31 - 60 zile |            |            |           |   60%   |             |
   |_____________|____________|____________|___________|_________|_____________|
5. |61 - 90 zile |            |            |           |   80%   |             |
   |_____________|____________|____________|___________|_________|_____________|
6. |Peste 90 zile|            |            |           |  100%   |             |
   |_____________|____________|____________|___________|_________|_____________|
7. |Subtotal     |            |            |           |         |             |
   |microcredite |            |            |           |         |             |
   |esuate       |            |            |           |         |             |
   |_____________|____________|____________|___________|_________|_____________|
8. |TOTAL        |            |            |           |         |             |
   |_____________|____________|____________|___________|_________|_____________|

    Raport lunar (FONDUL AC) - Creditarea pe tipuri de imprumutati    Luna:

                                                     1      2      3      4
 ______________________________________________________________________________
|                                                 |Luna curenta| Total cumulat |
|                  Categoria                      |____________|_______________|
|                                                 | Nr. | Suma |  Nr. |  Suma  |
|_________________________________________________|_____|______|______|________|
| a. Microcredite acordate                        |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| b. Media microcreditelor*                       |XXXXX|      |XXXXXX|        |
|_________________________________________________|_____|______|______|________|
     * = suma imprumutata/numarul de microcredite
 ______________________________________________________________________________
| c. Microcredite acordate barbatilor             |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| d. Microcredite acordate femeilor               |     |      |      |        |
|_________________________________________________|_____|______|______|________|
 ______________________________________________________________________________
| e. Microcredite acordate disponibilizatilor     |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| f. Microcredite acordate persoanelor fara loc   |     |      |      |        |
|    de munca                                     |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| g. Microcredite acordate membrilor familiilor   |     |      |      |        |
|    persoanelor disponibilizate                  |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| h. Microcredite acordate altor categorii        |     |      |      |        |
|_________________________________________________|_____|______|______|________|
 ______________________________________________________________________________
| i. Microcredite acordate persoanelor rezidente  |     |      |      |        |
|    in zona de operare                           |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| j. Microcredite acordate persoanelor nerezidente|     |      |      |        |
|    in zona de operare                           |     |      |      |        |
|_________________________________________________|_____|______|______|________|
 ______________________________________________________________________________
| k. Microcredite pentru agricultura              |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| l. Microcredite pentru servicii                 |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| m. Microcredite pentru comert                   |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| n. Microcredite pentru productie                |     |      |      |        |
|_________________________________________________|_____|______|______|________|
 ______________________________________________________________________________
| o. Microcredite de pana la 1.500 USD            |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| n. Microcredite intre 1,501.00 si 3,000.00 USD  |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| p. Microcredite intre 3,001.00 - 5,000.00 USD   |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| q. Microcredite intre 5,001.00 - 7,000.00 USD   |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| r. Microcredite intre 7,001.00 - 10,000.00 USD  |     |      |      |        |
|_________________________________________________|_____|______|______|________|
 ______________________________________________________________________________
| s. Numarul de locuri de munca create            |     |XXXXXX|      |XXXXXXXX|
|_________________________________________________|_____|XXXXXX|______|XXXXXXXX|
| t. Numarul de locuri de munca sustinute         |     |XXXXXX|      |XXXXXXXX|
|_________________________________________________|_____|______|______|________|
 ______________________________________________________________________________
| u. Activitati generatoare de venit              |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| v. Afaceri noi                                  |     |      |      |        |
|_________________________________________________|_____|______|______|________|
| w. Afaceri existente                            |     |      |      |        |
|_________________________________________________|_____|______|______|________|