Field Presentation         Pokhara, 2012Presented By : Mr. Milan Regmi   National College (CED’s) 1/14/2013            Reg...
Comprehensive Analysis on Different           Thematic Areas       Impact of Income and saving on clientDifferent types of...
Muktinath Bikas BankEstablished as a Limited Bank as per Bank and  Financial Institution Act, 2063 and Company Act,  2053 ...
Paschimanchal Grameen bikas bank• Established in january 1st 1994• Head office: Butwal• Sub branches: 39• Developed from g...
• Number of Clients Served    52,824• Number of Active Borrowers     40,322• Number of Active Depositors     52,824
Impact of microfinance on client’s income & savings                      SurveyHH1•     Duration 3yrs•     Initially took ...
Impact of income & saving of PDBBefore                                After• Loan Sources:Moneylenders(36%), relatives    ...
Impact of income & saving of MDBBefore                                After• Loan Sources:Moneylenders(36%), relatives    ...
Comparison between PDB and MDB• PDB                                • MDB Loan use                           • Same;      ...
Comparison Through Pie Chart                 PDB Loan                                    MDB Loan            Expenditure  ...
Risk : Types and Its Comparison• What is risk?     Uncertainty/Variability around the possible  future returns.   Standard...
Return                                                   SML        Rm                  Risk                          prem...
Calculation Based on CAPM approach• E(Rj)=Rf+βj[E(Rm)-Rf]Where,      E(Rj)=Expected or required rate of return on asset i ...
Paschimanchal            Graameen Bikash                 Bank            Muktinath Bikash                 Bank            ...
Paschimanchal Grameen Bikas BankRisks undertaken/Faced            Adopted Mitigation Measures Household Conflict         ...
Muktinath Bikash Bank            MicroFinance BankingRisks under taken/faced            Mitigation Measures Collateral Fr...
1/14/2013   Regmi Milan   18
Conclusions and Recommendations1/14/2013     Regmi Milan     19
Greeting from Pokhara!!!Thank you for your patience!  1/14/2013          Regmi Milan   20
Pokhara-  Field Presentation On Thematic Areas
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Pokhara- Field Presentation On Thematic Areas

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Pokhara- Field Presentation On Thematic Areas

  1. 1. Field Presentation Pokhara, 2012Presented By : Mr. Milan Regmi National College (CED’s) 1/14/2013 Regmi Milan 1
  2. 2. Comprehensive Analysis on Different Thematic Areas Impact of Income and saving on clientDifferent types of Risks associated with MFI’s 1/14/2013 Regmi Milan 2
  3. 3. Muktinath Bikas BankEstablished as a Limited Bank as per Bank and Financial Institution Act, 2063 and Company Act, 2053 on 2063/9/19.• "B" class regional financial institution• Providing micro finance services since Baishak 2065• working areas: Syangja, Kaski and Tanahun of Gandaki Zone• Main Branch Prithivichowk• 13 branches providing microfinance services• Number of active borrowers: 26,046• Number of depositors: 40,576
  4. 4. Paschimanchal Grameen bikas bank• Established in january 1st 1994• Head office: Butwal• Sub branches: 39• Developed from grameen model• Objective: poverty alleviation of the rural poor through credit delivery system of the western region of Nepal• The unique features of the bank are: Area approach, well defined target group, group guarantee landing approach, no physical collateral required, disbursement of loan at the centre.
  5. 5. • Number of Clients Served 52,824• Number of Active Borrowers 40,322• Number of Active Depositors 52,824
  6. 6. Impact of microfinance on client’s income & savings SurveyHH1• Duration 3yrs• Initially took Rs.30000 loan• Now a fancy owner,• Monthly income Rs.60000• Monthly savings of Rs 3000(used for general purpose)HH2• Initial loan amt Rs. 20000, 30000, 40000• Now a restaurateur and also does vegetable farming• Monthly income Rs.150000• Monthly savings of Rs 5000( invested in shop)HH3• Initial loan amt Rs.20000• Now involved in poultry farm• Monthly income Rs.45000• Monthly savings of Rs 1000
  7. 7. Impact of income & saving of PDBBefore After• Loan Sources:Moneylenders(36%), relatives PDB (20%)• IncomeRs 500-4000 p.m. Rs 5000-20000• Saving0 Rs 100-1000 p.m.• Investment0 Rs 50-1000 p.m• Consumption ExpenditureRs 500-4000 Rs2000-8000 p.m.1/14/2013 Regmi Milan 7
  8. 8. Impact of income & saving of MDBBefore After• Loan Sources:Moneylenders(36%), relatives MDB (20%)• IncomeRs 500-4000 p.m. Rs 5000-20000• Saving0 Rs 500-5000 p.m.• Investment0 Rs 500-3000 p.m• Consumption ExpenditureRs 500-4000 Rs3000-10000 p.m.1/14/2013 Regmi Milan 8
  9. 9. Comparison between PDB and MDB• PDB • MDB Loan use • Same; e.g. Income generating Poultry(20000) activities; e.g. Goat farming (8ooo-60000) House Hold Expenditure • Rs25000-28000 p.m. Rs. 13000-15000 p.m. Savings Rs 500-900 p.a • Rs4000-5000 p.a. Investment• Poultry & business(bulk) • General use Profit• Rs 40000-45000 p.a. • Rs 50000-60000 p.a.1/14/2013 Regmi Milan 9
  10. 10. Comparison Through Pie Chart PDB Loan MDB Loan Expenditure Savings Expenditure Savings Investment Profit Investment Profit 4% 7% 2% 19% 16% 58% 87% 7%1/14/2013 Regmi Milan 11
  11. 11. Risk : Types and Its Comparison• What is risk? Uncertainty/Variability around the possible future returns. Standard deviation is the measure of risk,and can be related with the expected rate of return. σ =Diversifiable risk+ Non Diversifiable risk =unsystematic Risk + Systematic risk(β)1/14/2013 Regmi Milan 12
  12. 12. Return SML Rm Risk premium Rf β β1=1 β2 Risk Relating Risk and return Under Capital Asset Pricing Model(CAPM)1/14/2013 Regmi Milan 13
  13. 13. Calculation Based on CAPM approach• E(Rj)=Rf+βj[E(Rm)-Rf]Where, E(Rj)=Expected or required rate of return on asset i Rf = Risk fre rate of return βj =Beta of asset i E(Rm)= Expected rate of return on market portfolio1/14/2013 Regmi Milan 14
  14. 14. Paschimanchal Graameen Bikash Bank Muktinath Bikash Bank General Banking Risks: on Microfinance Banking Visited Organizations Risks1/14/2013 Regmi Milan 15
  15. 15. Paschimanchal Grameen Bikas BankRisks undertaken/Faced Adopted Mitigation Measures Household Conflict  House hold Counseling Will full defaulter(1.5% of  Community 3%) Discouragement/Distrust Multiple Financing  Capacity Building Technological know how? Trainings Project Failure  Client Awareness No Insurance Coverage  Continuous follow up  Staff sincerity is the prime most important!!1/14/2013 Regmi Milan 16
  16. 16. Muktinath Bikash Bank MicroFinance BankingRisks under taken/faced Mitigation Measures Collateral Free Loan  Orientation to clients Low networking strength  Hiring effective HR and Poor database management implementing HR plans Political Influence  13 guideline risk mitigating Falsification/ False rumors fame work Liquidity Management  Round table talk  Encouraging Short term - Investments1/14/2013 Regmi Milan 17
  17. 17. 1/14/2013 Regmi Milan 18
  18. 18. Conclusions and Recommendations1/14/2013 Regmi Milan 19
  19. 19. Greeting from Pokhara!!!Thank you for your patience! 1/14/2013 Regmi Milan 20

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