This is a Personal Finance Balanced Scorecard Report, it is one of reports that Balanced Scorecard Designer can generate for Personal Finance scorecard. With this software you can also design your own KPIs, Balanced Scorecards and metrics.


Personal Finance Scorecard

Report includes: 1 month(s) 49 day(s), from 21.01.2009 to 11.03.2009

  Name Start value End value Dynamic Contains
Root Personal Finance Scorecard  53,48 % 48,72 % -4,76 %
Structural Perspective(49,8%, -1,44%Down)
Credit and Savings Perspective(53,7%, 7,11%Up)
Financial History Perspective(43,8%, -17,67%Down)
Benefits and Transparency Perspective(44,6%, -14,61%Down)

Graph for Personal Finance Scorecard

Graph for Personal Finance Scorecard

Data for Personal Finance Scorecard

DatesValue
21.01.200953,48
28.01.200951,89
04.02.200945,23
11.02.200957,25
18.02.200958,17
25.02.200948,48
04.03.200951,7
11.03.200948,72


Structural Perspective

  Name Start value End value Dynamic Parent Contains
Root Structural Perspective  51,22 % 49,78 % -1,44% Personal Finance Scorecard
Indicators
Number of Emergency Funds
Average Outstanding Balances on Credit Card
Retirement Plans Index
Number of Insurance Schemes subscribed to *
Frequency of Fixed Assets Updation *
* - Information for this metric is limited in sample report Description This category is to have the indicators for assessing the management aspect of the personal finance.

Graph for Structural Perspective

Graph for Structural Perspective

Data for Structural Perspective

DatesValueWeight
21.01.200951,223
28.01.200961,523
04.02.200939,283
11.02.200962,723
18.02.200962,843
25.02.200942,563
04.03.200954,883
11.03.200949,783


Number of Emergency Funds

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Number of Emergency Funds  3,44 6,51 + 3,07 # Maximize Structural Perspective
Description This KPI has its value equal to the number of sources of funds that can be quickly turned into cash assets. These include savings accounts, life insurance cash value, money market instruments, CDs etc.

Graph for Number of Emergency Funds

Graph for Number of Emergency Funds

Data for Number of Emergency Funds

DatesWeightMinMaxValue
21.01.20092383,44
28.01.20092386,715
04.02.20092383,085
11.02.20092387,78
18.02.20092385,94
25.02.20092384,125
04.03.20092387,21
11.03.20092386,51


Average Outstanding Balances on Credit Card

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Average Outstanding Balances on Credit Card  2800 20825 +1,802E004 $ Minimize Structural Perspective
Description This parameter is a way to know the credit card position of the concerned person.

Graph for Average Outstanding Balances on Credit Card

Graph for Average Outstanding Balances on Credit Card

Data for Average Outstanding Balances on Credit Card

DatesWeightMinMaxValue
21.01.200920250002800
28.01.200920250003575
04.02.2009202500017950
11.02.200920250009125
18.02.200920250003600
25.02.2009202500011875
04.03.200920250000
11.03.2009202500020825


Retirement Plans Index

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Retirement Plans Index  5,375 6,03 + 0,655 # Maximize Structural Perspective
Description This KPI is equal to the number of 'options available' that are thought to be the 'desire type'.

Graph for Retirement Plans Index

Graph for Retirement Plans Index

Data for Retirement Plans Index

DatesWeightMinMaxValue
21.01.20092385,375
28.01.20092385,915
04.02.20092384,85
11.02.20092386,03
18.02.20092386,96
25.02.20092386,27
04.03.20092384,065
11.03.20092386,03


Credit and Savings Perspective

  Name Start value End value Dynamic Parent Contains
Root Credit and Savings Perspective  46,58 % 53,69 % + 7,11% Personal Finance Scorecard
Indicators
Household Expenses: Gross Salary ratio
Credit History Report Frequency
Savings: Gross Salary
Savings Improvement *
* - Information for this metric is limited in sample report Description This group of metrics is to have an idea of the credit position and savings about the employee.

Graph for Credit and Savings Perspective

Graph for Credit and Savings Perspective

Data for Credit and Savings Perspective

DatesValueWeight
21.01.200946,583
28.01.200967,83
04.02.200944,993
11.02.200965,513
18.02.200962,83
25.02.200956,53
04.03.200931,533
11.03.200953,693


Household Expenses: Gross Salary ratio

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Household Expenses: Gross Salary ratio  1,062 0,23856 -0,823 # Minimize Credit and Savings Perspective
Description This is to know what portion of the gross salary is constituted by the expenses incurred under the head 'household'.

Graph for Household Expenses: Gross Salary ratio

Graph for Household Expenses: Gross Salary ratio

Data for Household Expenses: Gross Salary ratio

DatesWeightMinMaxValue
21.01.200930,041,51,062
28.01.200930,041,50,34222
04.02.200930,041,50,61232
11.02.200930,041,50,38164
18.02.200930,041,50,8211
25.02.200930,041,50,6532
04.03.200930,041,50,8576
11.03.200930,041,50,23856


Credit History Report Frequency

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Credit History Report Frequency  1,573 1,564 -0,009 yrs Maximize Credit and Savings Perspective
Description This is equal to the number of years after which the credit history is accessed.

Graph for Credit History Report Frequency

Graph for Credit History Report Frequency

Data for Credit History Report Frequency

DatesWeightMinMaxValue
21.01.20092141,573
28.01.20092142,662
04.02.20092141,555
11.02.20092142,26
18.02.20092142,143
25.02.20092141,603
04.03.20092141,243
11.03.20092141,564


Savings: Gross Salary

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Savings: Gross Salary   11,468 9,614 -1,854 % Maximize Credit and Savings Perspective
Description This is to know the fraction of gross salary that is being saved.

Graph for Savings: Gross Salary

Graph for Savings: Gross Salary

Data for Savings: Gross Salary

DatesWeightMinMaxValue
21.01.2009322011,468
28.01.2009322015,158
04.02.200932206,158
11.02.2009322015,266
18.02.2009322015,482
25.02.2009322015,248
04.03.200932205,15
11.03.200932209,614


Financial History Perspective

  Name Start value End value Dynamic Parent Contains
Root Financial History Perspective  61,52 % 43,85 % -17,67% Personal Finance Scorecard
Indicators
Credit History being Questioned Index
Instances of Non-fulfillment of Schemes ratio
Instances of Tax Rules Non-compliance
Credit Position Improvement *
* - Information for this metric is limited in sample report Description This group of parameters is to use the personal scorecard on the basis of historical performance.

Graph for Financial History Perspective

Graph for Financial History Perspective

Data for Financial History Perspective

DatesValueWeight
21.01.200961,522
28.01.200922,942
04.02.200950,812
11.02.200952,842
18.02.200965,552
25.02.200937,142
04.03.200966,312
11.03.200943,852


Credit History being Questioned Index

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Credit History being Questioned Index  0,195 0,5784 + 0,383 # Minimize Financial History Perspective
Description This is to know the authenticity of the credit history of the concerned individual.

Graph for Credit History being Questioned Index

Graph for Credit History being Questioned Index

Data for Credit History being Questioned Index

DatesWeightMinMaxValue
21.01.2009200,60,195
28.01.2009200,60,5928
04.02.2009200,60,1902
11.02.2009200,60,3954
18.02.2009200,60,1392
25.02.2009200,60,3258
04.03.2009200,60,1302
11.03.2009200,60,5784


Instances of Non-fulfillment of Schemes ratio

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Instances of Non-fulfillment of Schemes ratio  0,292 0,0864 -0,206 # Minimize Financial History Perspective
Description This is to have the knowledge about the number of cases, when the norms related to any of the schemes were not confirmed to.

Graph for Instances of Non-fulfillment of Schemes ratio

Graph for Instances of Non-fulfillment of Schemes ratio

Data for Instances of Non-fulfillment of Schemes ratio

DatesWeightMinMaxValue
21.01.2009300,40,292
28.01.2009300,40,2584
04.02.2009300,40,2408
11.02.2009300,40,1084
25.02.2009300,40,346
04.03.2009300,40,2344
11.03.2009300,40,0864


Instances of Tax Rules Non-compliance

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Instances of Tax Rules Non-compliance  0,0432 0,2448 + 0,202 # Minimize Financial History Perspective
Description This is to have the instances when the tax regulations were not abided by.

Graph for Instances of Tax Rules Non-compliance

Graph for Instances of Tax Rules Non-compliance

Data for Instances of Tax Rules Non-compliance

DatesWeightMinMaxValue
21.01.2009200,40,0432
28.01.2009200,40,2076
04.02.2009200,40,314
11.02.2009200,40,316
18.02.2009200,40,1948
25.02.2009200,40,0344
04.03.2009200,40,2336
11.03.2009200,40,2448


Benefits and Transparency Perspective

  Name Start value End value Dynamic Parent Contains
Root Benefits and Transparency Perspective  59,17 % 44,56 % -14,61% Personal Finance Scorecard
Indicators
Cost Savings on Credit Card Index
Time Savings
Transparency Level
Increase in the Options for Loans *
* - Information for this metric is limited in sample report Description This is to know the positive effects accruing from the framing of personal finance scorecard.

Graph for Benefits and Transparency Perspective

Graph for Benefits and Transparency Perspective

Data for Benefits and Transparency Perspective

DatesValueWeight
21.01.200959,172
28.01.200942,522
04.02.200948,922
11.02.200941,062
18.02.200936,862
25.02.200956,652
04.03.200962,62
11.03.200944,562


Cost Savings on Credit Card Index

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Cost Savings on Credit Card Index  0,726 0,9115 + 0,185 # Maximize Benefits and Transparency Perspective
Description Without proper use of credit cards, people lose the opportunity of earning interest rather pay interest. Using a scorecard, one can reverse this.

Graph for Cost Savings on Credit Card Index

Graph for Cost Savings on Credit Card Index

Data for Cost Savings on Credit Card Index

DatesWeightMinMaxValue
21.01.200920,510,726
28.01.200920,510,8425
04.02.200920,510,9295
11.02.200920,510,6775
18.02.200920,510,594
25.02.200920,510,737
04.03.200920,510,7485
11.03.200920,510,9115


Time Savings

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Time Savings   0,9995 0,529 -0,471 # Maximize Benefits and Transparency Perspective
Description With all the financial information summarized in the form of a scorecard, savings in the form of time are bound to be experienced.

Graph for Time Savings

Graph for Time Savings

Data for Time Savings

DatesWeightMinMaxValue
21.01.200920,510,9995
28.01.200920,510,631
04.02.200920,510,512
11.02.200920,510,524
18.02.200920,510,6465
25.02.200920,510,8355
04.03.200920,510,6135
11.03.200920,510,529


Transparency Level

  Name Start value End value Dynamic Measure units Optimization method Parent
Root Transparency Level  4,879 8,641 + 3,762 Score Maximize Benefits and Transparency Perspective
Description This can be measured by assigning values on a scale of 1 to 10.

Graph for Transparency Level

Graph for Transparency Level

Data for Transparency Level

DatesWeightMinMaxValue
21.01.200931104,879
28.01.200931104,168
04.02.200931103,583
11.02.200931102,827
18.02.200931102,089
25.02.200931104,321
04.03.200931109,397
11.03.200931108,641
Created by: AKS-Labs
Report created with Balanced Scorecard Designer at 13.02.2009 10:04:54

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