Copie 100521 dmi
Upcoming SlideShare
Loading in...5
×
 

Copie 100521 dmi

on

  • 509 views

 

Statistics

Views

Total Views
509
Views on SlideShare
509
Embed Views
0

Actions

Likes
0
Downloads
1
Comments
0

0 Embeds 0

No embeds

Accessibility

Categories

Upload Details

Uploaded via as Microsoft PowerPoint

Usage Rights

© All Rights Reserved

Report content

Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
  • Full Name Full Name Comment goes here.
    Are you sure you want to
    Your message goes here
    Processing…
Post Comment
Edit your comment
  • Good morning, dear COPIE-Members, Thank you very much for your invitation. I am Bernd Curtius . Today I represent DMI – Deutsches Mikrofinanz Institut – the federal service agency and network of German microfinance institutions (in short form: MFIs). I have divided my presentation into three parts: Firstly I will inform you about the new instrument to boost microfinance in Germany: the federal risk fund for German MFI‘s – called „Mikrokreditfonds Deutschland“ Secondly I will introduce you the stakeholders of the German Microfinance sector and their responisbilities and tasks - Thirdly I will present the current transnational know how-exchange project, which was started by the Federal Ministry of Employment and Social affairs within the framework of COPIE 2.
  • DMI is a membership based association: DMI was founded in April 2004 by 50 organisations and individuals from different sectors (bussiness support, finance, research, labour market, public and non governmental organisations & nowadays microfinance institutions ). One first common finding of all these experts was: We need to set up microfinance in Germany,. Otherwise all the efforts in the field of self-employment (what is one topic of of German labour market policy) will be ineffective, when promising business ideas and microbusiness will get no funding.. ----------------------. DMI is service provider and network for microfinance practitioners in Germany: The "first movers" in Germany, who started the first microfinance pilot projects, were start-up centers for unemployed people. DMI pools the crucial findings of these projects - and also (internationally sucessful) methods and tools. The next step of DMI was to standardised them and developed them further for other regions and potential microfinance institutions. So DMI is network for the know how exchange of microfinance practitioners. Networks are an important approach, when we are talking about the upscaling of successful microfinance initiatives. Networks deliver important services to microfinance institutions. ---------------------- .DMI is a quasi apex organisation: DMI facilitate donors and public funders. Consultancy and training for microfinance institution. Recommendation to the "Mikrofinanfonds Deutschland" - Benchmarking
  • DMI is a membership based association: DMI was founded in April 2004 by 50 organisations and individuals from different sectors (bussiness support, finance, research, labour market, public and non governmental organisations & nowadays microfinance institutions ). One first common finding of all these experts was: We need to set up microfinance in Germany,. Otherwise all the efforts in the field of self-employment (what is one topic of of German labour market policy) will be ineffective, when promising business ideas and microbusiness will get no funding.. ----------------------. DMI is service provider and network for microfinance practitioners in Germany: The "first movers" in Germany, who started the first microfinance pilot projects, were start-up centers for unemployed people. DMI pools the crucial findings of these projects - and also (internationally sucessful) methods and tools. The next step of DMI was to standardised them and developed them further for other regions and potential microfinance institutions. So DMI is network for the know how exchange of microfinance practitioners. Networks are an important approach, when we are talking about the upscaling of successful microfinance initiatives. Networks deliver important services to microfinance institutions. ---------------------- .DMI is a quasi apex organisation: DMI facilitate donors and public funders. Consultancy and training for microfinance institution. Recommendation to the "Mikrofinanfonds Deutschland" - Benchmarking
  • DMI is a membership based association: DMI was founded in April 2004 by 50 organisations and individuals from different sectors (bussiness support, finance, research, labour market, public and non governmental organisations & nowadays microfinance institutions ). One first common finding of all these experts was: We need to set up microfinance in Germany,. Otherwise all the efforts in the field of self-employment (what is one topic of of German labour market policy) will be ineffective, when promising business ideas and microbusiness will get no funding.. ----------------------. DMI is service provider and network for microfinance practitioners in Germany: The "first movers" in Germany, who started the first microfinance pilot projects, were start-up centers for unemployed people. DMI pools the crucial findings of these projects - and also (internationally sucessful) methods and tools. The next step of DMI was to standardised them and developed them further for other regions and potential microfinance institutions. So DMI is network for the know how exchange of microfinance practitioners. Networks are an important approach, when we are talking about the upscaling of successful microfinance initiatives. Networks deliver important services to microfinance institutions. ---------------------- .DMI is a quasi apex organisation: DMI facilitate donors and public funders. Consultancy and training for microfinance institution. Recommendation to the "Mikrofinanfonds Deutschland" - Benchmarking
  • DMI is a membership based association: DMI was founded in April 2004 by 50 organisations and individuals from different sectors (bussiness support, finance, research, labour market, public and non governmental organisations & nowadays microfinance institutions ). One first common finding of all these experts was: We need to set up microfinance in Germany,. Otherwise all the efforts in the field of self-employment (what is one topic of of German labour market policy) will be ineffective, when promising business ideas and microbusiness will get no funding.. ----------------------. DMI is service provider and network for microfinance practitioners in Germany: The "first movers" in Germany, who started the first microfinance pilot projects, were start-up centers for unemployed people. DMI pools the crucial findings of these projects - and also (internationally sucessful) methods and tools. The next step of DMI was to standardised them and developed them further for other regions and potential microfinance institutions. So DMI is network for the know how exchange of microfinance practitioners. Networks are an important approach, when we are talking about the upscaling of successful microfinance initiatives. Networks deliver important services to microfinance institutions. ---------------------- .DMI is a quasi apex organisation: DMI facilitate donors and public funders. Consultancy and training for microfinance institution. Recommendation to the "Mikrofinanfonds Deutschland" - Benchmarking
  • DMI is a membership based association: DMI was founded in April 2004 by 50 organisations and individuals from different sectors (bussiness support, finance, research, labour market, public and non governmental organisations & nowadays microfinance institutions ). One first common finding of all these experts was: We need to set up microfinance in Germany,. Otherwise all the efforts in the field of self-employment (what is one topic of of German labour market policy) will be ineffective, when promising business ideas and microbusiness will get no funding.. ----------------------. DMI is service provider and network for microfinance practitioners in Germany: The "first movers" in Germany, who started the first microfinance pilot projects, were start-up centers for unemployed people. DMI pools the crucial findings of these projects - and also (internationally sucessful) methods and tools. The next step of DMI was to standardised them and developed them further for other regions and potential microfinance institutions. So DMI is network for the know how exchange of microfinance practitioners. Networks are an important approach, when we are talking about the upscaling of successful microfinance initiatives. Networks deliver important services to microfinance institutions. ---------------------- .DMI is a quasi apex organisation: DMI facilitate donors and public funders. Consultancy and training for microfinance institution. Recommendation to the "Mikrofinanfonds Deutschland" - Benchmarking

Copie 100521 dmi Copie 100521 dmi Presentation Transcript

  • COPIE 2 - Learning Network Berlin, 21st May 2010 Author: Brigitte Maas Presenter: Dr. Bernd Curtius
  • Microfinance in Germany
    • 2000: first four microfinance pilot projects for young unemployed people started – financed by the federal job agency
    Microfinance in Germany is relatively young compared with other EU countries (e.g. France, UK)
    • 2002 – 2007: with the support of EQUAL – substantial progress was made in the development of structures, approaches, products and tools
    • „ DMI – Deutsches Mikrofinanz Institut“ was founded as a meso level actor to support the establishment of local MFIs: training, development of lending methodologies, a loan product framework, an online-tool for loan procurement and quality and riskmanagement (f.e. monthly benchmarking / portfolio at risk for the „Mikrokreditfonds Deutschland“)
    Microfinance in Germany
    • „ Mikrofinanzfonds Deutschland“ (2 Mio €)
    • was founded by two federal ministries, a federal public bank and a private ethical bank as a risk fund for microloans respectively MFIs.
  • Microfinance in Germany 2009: after 3 ½ years of experiences still a small level of outreach ( each year duplication of figures ): 12 DMI accredited MFIs / 521microloans 2010: significant rising of local MFIs and microloan disbursements since mid of February: 15 DMI accredited MFIs / 270 microloans (only 2010) What is the reason?
  • End of January 2010: Start of „Mikrokreditfonds Deutschland“ The new fondsvolume is 100.000.000,- €! The fonds grants 800 Euro for each new microloan (will probably decrease in the future). MFIs can use this benefit to cover institution building costs.
  • Loans 2010 Loans: 270 Payout: 4.261.451 Loans with small problems: 13 % Loans with bigger problems: 17 % Loan defaults (last 12 months): 3,17 %
  • DMI Loan – the product framework loan sum: up to 20.000 € steplending: first loan max. 5.000 € interest: 7.5% p.a. credit period: up to 35 months - no grace period or maturity loan up to 6 months collateral: different - most MFI‘s ask for guarantors (50% of loan sum), MFI‘s bear a default risk of 20% for which they have to set up a desposit account at GLS Bank
  • Strukture of microfinance-system Example: ostpol° credit German Mikrofinance Institute Microfinance-Fonds Germany Microfinance Instition Micro- finance- Fonds Offenbach multipliers Credit institute GLS Bank Client loan-application, support presentation loan 20 % liability (first loss) 100 % guarantee Preparation Know How / Systems / Tools Benchmarking / Quality-Audits „ go“ „ go“
  • COPIE Project (I) Our top questions are:
    • How can we give more loans?
    • What conditions do we need?
    • Who can tell us what to do?
  • COPIE Project (II) MFIs have a need of improve in this topics
    • Co-operation (multiplier)
    • product-development
    • public relation / branding
    • production /processes
    So, sucessful microfinance strategies and cases in other EU countries have been identified to learn from.
    • personal / qualification
    • financing
    • liability capital
  • The Strategies and Cases to learn (I)
    • strategy 3: self-help micro-finance incl. group lending microlending programmes, which build up on dezentralized forms of micro-lending f.e. AgroInvest (Montenegro), Fudusz Mikro (Poland)
    • strategy 2: pure micro-lending experience with very small loans and huge quantities f.e. MFI's from Romania, Bosnia or Montenegro
    • strategy 1: improvement of micro-enterprise lending systems f.e. UnSolMon (Catalunya), ADIE (France)
  • The Strategies and Cases to learn (II)
    • strategy 5: multiple-service programmes micro-finance as one component of a service package for business starter's and SME f.e. business cooperatives (Belgium), business associations (UK), Smart (Belgium)
    • strategy 4: saving based micro-finance (or similar) forms of micro-finance to reduce fear of potential clients to apply for a loan f.e. through pre-saving f.e. credit unions (UK), cooperatives (Poland)
  • The Methodology (I)
    • contact international experts (with regard to strategy 1-5) that German MFI‘s get first taste of strategy
    • Recognise what is working in our MFIs and what isn´t
    • Preparated study visits with German "Microfinance Scouts“ to draw up expert's reports for MF practitioner‘s in Germany
    • National knowledge transfer workshops
  • The Methodology (II)
    • Organizing group study visits for interested microlending practioner's (selected strategies)
    • Documentation of „lessons learned“ in practitioners manual
    • Organizing mainstreaming conferences
  • The Partners
    • microfinance institutions (national / transnational) as operational partners
    • ESF stakeholders as funders and promoters
    • local, regional, national and European institutions as mainstreaming partners
    • National and European networks as prospective strategic and operational partners (f.e. MFC, EMN)
  • Thank you very much for your attention! www.mikrofinanz.net www.mikrokreditfonds.de