← Reports
MONTHLY REPORT · 2025-01-01 → 2025-01-31
January 2025
Prepared for Vu Tuan Minh (CEO) (exec), scoped to ACF · generated 2026-09-24 20:37 UTC · PROTOTYPE — MOCK DATA. Another reader gets a different document.
1 · EXCEPTIONS AS AT 2025-01-31 — 21 OF 140 METRICS IN SCOPE
| METRIC | PRIORITY | STATE | VALUE VS TARGET | WHY IT IS HERE |
|---|---|---|---|---|
| Direct Disbursement Ratio (DDR)REG CG-01 · Corporate Governance | P1 | ✕ Off target | 62.3% vs 30.0% | Regulatory threshold. Not a prioritisation choice. |
| Direct Disbursement Ratio (flow basis)REG CG-01B · Corporate Governance | P2 | ✕ Off target | 40.8% vs 30.0% | Regulatory threshold. Not a prioritisation choice. |
| Provision expense vs budget CR-05 · Credit Risk & Portfolio Management | P1 | ✕ Off target | 56.2% vs 100.0% | Off the agreed target. |
| Gross NPL before write-off + write-off volume CR-09 · Credit Risk & Portfolio Management | P1 | ✕ Off target | 26.9 vs 4 | Off the agreed target. |
| Conduct / complaint rate CO-09 · Collections / Debt Recovery | P2 | ✕ Off target | 42.8% vs 0.0% | Off the agreed target. |
| Double-disbursement incidents OP-09 · Operations Department | P2 | ✕ Off target | 4,775.6 vs 0 | Off the agreed target. |
| Roll-forward rate CO-02 · Collections / Debt Recovery | P3 | ✕ Off target | 3.3% vs 3.0% | Off the agreed target. |
| Merchant NST monitoring CR-07 · Credit Risk & Portfolio Management | P3 | ✕ Off target | 4.0% vs 3.0% | Off the agreed target. |
| Close cycle days FN-06 · Finance & Accounting | P3 | ✕ Off target | 2,870 vs 2 | Off the agreed target. |
| STRAVIS submission timeliness FN-08 · Finance & Accounting | P3 | ✕ Off target | 9.3% vs 100.0% | Off the agreed target. |
| DR test currency IT-12 · IT Infrastructure & Operations | P3 | ✕ Off target | 6.2 vs 180 | Off the agreed target. |
| Monthly archive reconciliation completed OP-08 · Operations Department | P3 | ✕ Off target | 60.6% vs 100.0% | Off the agreed target. |
| T+1 fee reconciliation completed OP-11 · Operations Department | P3 | ✕ Off target | 0.9% vs 100.0% | Off the agreed target. |
| QA sample pass rate AP-10 · Appraisal / Underwriting | P4 | ✕ Off target | 49.8% vs 95.0% | Off the agreed target — a target Ikigai proposed, not one ACF agreed. |
| Policy currency CG-06 · Corporate Governance | P4 | ✕ Off target | 40.5% vs 95.0% | Off the agreed target — a target Ikigai proposed, not one ACF agreed. |
| Open audit findings ageing CG-07 · Corporate Governance | P4 | ✕ Off target | 4,211.5 vs 0 | Off the agreed target — a target Ikigai proposed, not one ACF agreed. |
| P1 incident response vs SLA IT-04 · IT Infrastructure & Operations | P4 | ✕ Off target | 0.8% vs 95.0% | Off the agreed target — a target Ikigai proposed, not one ACF agreed. |
| Change success rate IT-09 · IT Infrastructure & Operations | P4 | ✕ Off target | 61.8% vs 95.0% | Off the agreed target — a target Ikigai proposed, not one ACF agreed. |
| Reopened-incident rate IT-10 · IT Infrastructure & Operations | P4 | ✕ Off target | 57.6% vs 5.0% | Off the agreed target — a target Ikigai proposed, not one ACF agreed. |
| Maker/checker SLA adherence OP-02 · Operations Department | P5 | ✕ Off target | 44.8% vs 95.0% | Off the agreed target — a target Ikigai proposed, not one ACF agreed. |
| Paper contract received within 5 working days OP-07 · Operations Department | P5 | ✕ Off target | 4.2% vs 98.0% | Off the agreed target — a target Ikigai proposed, not one ACF agreed. |
2 · WHAT CHANGED SINCE DECEMBER 2024
No metric in your scope changed state between the two periods.
3 · HOW MUCH OF THIS COULD BE MEASURED AT ALL
0
◆ CERTIFIED
23
◈ MANAGED
110
◇ MANUAL
7
○ UNMEASURED
101
NO AGREED TARGET
4 · FEEDS NEEDING ACTION
- Telesales — StringeeX dailysuspended3 consecutive missed windows — auto-suspended 2026-09-22 05:00 +07
- Appraisal — daily decision reportfailing2 consecutive failures, 0 missed windows. Last delivery 2026-09-22.
- National Sales Network — POS registernever runRegistered and has never delivered.
5 · CAMPAIGNS TOUCHING THIS PERIOD
None in your scope.
6 · WHAT THIS REPORT CANNOT TELL YOU
- 28 of 140 metrics in your scope could be scored at all (20%). This report describes those; the rest have no agreed target, no reported value, or a target of zero that a ratio cannot express (Q-34).
- Nothing in your scope is CERTIFIED. 110 metrics are assembled by hand and 7 are not measured at all, so every figure above is at best MANAGED (R-G-07).
- 101 metrics have no agreed target, so they cannot appear as exceptions however they are performing. Absence from the exception list is not evidence of health.
- The series in this registry report monthly. A monthly period contains one point per metric, so a single unusual month is the whole reading (Q-32).
- 14 of the targets these variances are measured against were proposed by Ikigai and have not been agreed by ACF (T-01).
Computed from your own scope, not written once as boilerplate — which is why the numbers in it change when you change persona.