See every NBFI, MFI and NGO against the standard.
MiyarLens is a bilingual financial analysis and internal due-diligence platform for MFIs, NBFIs, and NGOs. It organizes financial statements, calculates adjusted SEEP ratios, and produces internal assessments, financial forecasts, and written reports.
No card required · 2 AI reports included in the trial
| Ratio | Actual | Budget | Status |
|---|---|---|---|
| Operational self-sufficiency | 112.4% | 108.0% | Strong |
| PAR30 | 4.2% | 3.8% | Watch |
| Operating expense ratio | 18.6% | 19.5% | Strong |
| Risk coverage | 84.7% | 91.0% | Concern |
The time manual statement rebuilds can take before analysis even starts.
SEEP ratios computed unadjusted, adjusted and against budget.
From sourced data to an internal grading report.
A complete analysis, without starting over.
Follow the numbers from source data to a decision you can explain.
Data sourced
Actual and Budget data, sourced and structured for analysis.
Review & adjust
Review the Income Statement, Balance Sheet, PAR aging and Cash Flow. Apply standard SEEP analytical adjustments.
Measure & score
Read 29 SEEP ratios and a six-pillar MiyarLens grade.
Report & project
Generate a written due-diligence report and compare 60-month scenarios.
See the numbers, and the trail behind them.
The sample dashboard keeps adjusted measures, budget context and signals together. Every figure shown here is illustrative.
Financial Analysis and Performance
Performance against budget
From source file to a defensible view.
One file in, a full analysis out
Actual and Budget data sourced into one file. MiyarLens builds the Income Statement, Balance Sheet, PAR aging and Cash Flow for you.
29 SEEP ratios, adjusted properly
Portfolio quality, sustainability, efficiency and asset/liability management — each shown unadjusted, adjusted and against budget.
A grade you can defend
Six pillars — Capital, Asset Quality, Management, Earnings, Liquidity, Efficiency — with transparent bands and weights.
The narrative, written for you
Claude writes the executive summary, strengths, weaknesses and recommendations. Export to Word or PDF.
Look forward, not just back
Model products, staffing, funding and macro scenarios over 60 months and compare them side by side.
Built bilingual
Full Arabic with right-to-left layout and IFRS-aligned terminology — not an afterthought.
The evidence stays in view.
Each output connects back to a consistent analytical workflow.
| Ratio | Actual | Budget | Status |
|---|---|---|---|
| Operational self-sufficiency | 112.4% | 108.0% | Strong |
| PAR30 | 4.2% | 3.8% | Watch |
| Operating expense ratio | 18.6% | 19.5% | Strong |
| Risk coverage | 84.7% | 91.0% | Concern |
- Adjusted and unadjusted, side by side
- Actual versus budget in the same view
- Portfolio quality through asset management
One standard. Different decisions.
Investors & Funds
Screen investees and prepare investment committee analysis without rebuilding every workbook.
Explore the approach 02 / 06Networks
Benchmark members on a shared standard and provide reports in their language.
Explore the approach 03 / 06MFIs
Give boards and funders a clear view of performance against budget.
Explore the approach 04 / 06NBFIs
Bring financial statements, budget comparisons and performance analysis together for your non-bank financial institution.
Explore the approach 05 / 06NGOs
Support NGO financial oversight with structured statements, budget comparisons and written analysis. Apply lending-specific indicators where relevant to your activities.
Explore the approach 06 / 06Experts & Consultants
Support advisory work for NBFIs, MFIs and NGOs with a shared financial analysis workflow, documented findings and recommendations.
Explore the approach“Keep your rating agency for the formal rating. Use MiyarLens for every decision in between.”