Sample Description
- This dashboard’s analysis is based on a random 20%
sample of the full dataset, selected with a fixed seed
(
set.seed(123)) for reproducibility.
- The sample includes 1,597 observations and 45
variables, focusing exclusively on records from the year 2024
to ensure relevance.
- All insights presented here are derived solely from this sample and should be interpreted as representative of the larger dataset.
Performance Trends
Column
Which month in 2024 recorded the highest number of new members?
Membership growth peaked in October and remained strong through year-end, while the first quarter had the lowest new members, likely due to seasonal marketing and financial cycles.
Column
What is the total loan amount disbursed per month in 2024?
October and May had the highest loan disbursements (~₱2.6M), with strong activity in June, August, and September, and declines in January and March likely due to post-holiday adjustments.
How does the average monthly income of clients change across quarters in 2024?
Q3 had the highest average monthly income (₱388,571), while Q4 saw a decline (₱349,906), likely due to seasonal economic factors and year-end expenses.
Deposits & Risks Insights
Column
Which months saw a spike or drop in borrowing activity?
Borrowing peaked in May and October, dropped in early months, rose in February despite fewer new members, and surged again from October to December amid seasonal financial recovery.
Column
What are the trends in PAR (Portfolio at Risk) throughout the year, and what might explain peaks or dips?
The average Portfolio at Risk (PAR) remained stable around ₱1.13–₱1.20 million from January to November, then sharply doubled to about ₱2.36 million in December, likely due to year-end financial stress and seasonal factors.