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Samridhi Plural India Presentation Samridhi Plural India Presentation Presentation Transcript

  • Samridhi Financial Services www.samridhiindia.com
    • What is Mission drift?
    • Is it out there?
    • Do we need to fear?
    • Will we be safe?
    • Depth of Poverty outreach –
    • Clients’ income, loan size and interest rate
    • Quality of outreach – Client Satisfaction Level
    • Scope of outreach – Services offered
    • Bancosol( Beth Rhyne – ACCION)
    • Bancosol and 27 other MFIs
    • No significant difference in operative expenses for commercial or non-commercial MFIs in India
    • “ It seems to us at CGAP that after 2000 there was a direct conflict between the profits of private investors and the financial interest of Compartamos borrowers. We don't think that Compartamos gave enough weight to borrowers when setting its prices ”CGAP 2007
    • Something for all Vs. Everything for a few – Moral Dilemma
    • Do MFIs become more interested in serving their investors than in serving the poor?
    • Should the regulators step in?
    • Transformed institutions tend to extend their borrower reach and diversify their product offerings – E.g. from 27 transformed MFIs
    • Law of Demand and Supply – Higher Competition
    • Strong Brand – check for short term profit at the cost of long term advantages
    • Need for Standards of operations and communication
    • Sectoral Cap – keeping out the high risk high gain kind of investment
    • Audits to be commissioned by customers
    • Free flow of information – Transparency to be way out
    • “ Evaluating mission drift”, Hishigsuren Gamma
    • “ Stemming the tide of mission drift”, Frank christian
    • “ Sector Report 2007-08” , Access Development Services
    • “ What is Mission Drift”, Opportunity International
    • “ Impact of Microfinance Commercialization”, CGAP