September showed renewed lending momentum, with loan volume rising 1.67% and outstanding balances increasing 2.59%, reflecting sustained portfolio growth into the close of Q3. Delinquency metrics trended higher across all stages—Par 30 climbed 0.37%, Par 60 rose 0.55%, and Par 90 increased 0.32%—indicating mounting repayment pressures. The collection rate declined sharply by 6.72%, marking a notable setback in recovery performance. Loan terms shortened by 1.93%, while interest rates rose 0.71%, modestly improving yields for lenders but adding to borrower cost pressures. As Q4 begins, maintaining growth while reinforcing collection efficiency and credit discipline will be key priorities.
A full breakdown of the calculations for these metrics is available here.
| Indicator | September MoM |
|---|---|
| Volume | 1.67% |
| Outstanding Balance | 2.59% |
| Par 30 | 0.37% |
| Par 60 | 0.55% |
| Par 90 | 0.32% |
| Collection Rate | -6.72% |
| Term | -1.93% |
| Interest | 0.71% |