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Future Of Microfinance Presented by Sivaramakrishnan.K.V.
NGO <ul><li>Mission to help the unbanked and underbanked </li></ul><ul><li>Community based </li></ul><ul><li>Dependent on ...
For Profit <ul><li>Turned Profit With experience of being an NGO </li></ul><ul><li>Benefits of tax Diminished </li></ul><u...
Credits <ul><li>Income generating loans </li></ul><ul><li>Consumer loans  </li></ul><ul><li>Individual Lending </li></ul><...
What they are and the road Ahead <ul><li>Started as an NGO to alleviate poverty </li></ul><ul><li>Turned profit </li></ul>...
Local Players <ul><li>Small and effective local players </li></ul><ul><li>Very few national players </li></ul><ul><li>Cult...
IPO’s <ul><li>SKS IPO has proved the level to which an MFI can go </li></ul><ul><li>Renewed vigor in the industry  </li></...
Savings the need <ul><li>Current focus on Credits  </li></ul><ul><li>Graduating with each cycle brings in culture to Save ...
Banks and MicroBanks <ul><li>Microfinance brings with it a social cause and return on investment </li></ul><ul><li>PSU  & ...
Thank You Sivaramakrishnan.K.V.
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Future of Microfinance

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Transcript of "Future of Microfinance"

  1. 1. Future Of Microfinance Presented by Sivaramakrishnan.K.V.
  2. 2. NGO <ul><li>Mission to help the unbanked and underbanked </li></ul><ul><li>Community based </li></ul><ul><li>Dependent on Grants </li></ul>
  3. 3. For Profit <ul><li>Turned Profit With experience of being an NGO </li></ul><ul><li>Benefits of tax Diminished </li></ul><ul><li>Investment from lenders brings in the flavour of scale </li></ul><ul><li>With that comes the value of return on investment </li></ul>
  4. 4. Credits <ul><li>Income generating loans </li></ul><ul><li>Consumer loans </li></ul><ul><li>Individual Lending </li></ul><ul><li>Group lending </li></ul><ul><li>Credit is the bread and butter of an MFI </li></ul>
  5. 5. What they are and the road Ahead <ul><li>Started as an NGO to alleviate poverty </li></ul><ul><li>Turned profit </li></ul><ul><li>Moved to NBFC </li></ul><ul><li>Focused on credits </li></ul><ul><li>Local players </li></ul><ul><li>Going public- Standardisation </li></ul><ul><li>Regional Mergers </li></ul><ul><li>Savings to be the core activity </li></ul><ul><li>Banking License </li></ul>
  6. 6. Local Players <ul><li>Small and effective local players </li></ul><ul><li>Very few national players </li></ul><ul><li>Culture, Need, Geography, Products, Requirement are addressed as per local aspirations </li></ul><ul><li>Can this expertise be capitalised? </li></ul>
  7. 7. IPO’s <ul><li>SKS IPO has proved the level to which an MFI can go </li></ul><ul><li>Renewed vigor in the industry </li></ul><ul><li>National & international Investors keen to be part of the revolution </li></ul><ul><li>Can a small entity afford to go public? </li></ul>
  8. 8. Savings the need <ul><li>Current focus on Credits </li></ul><ul><li>Graduating with each cycle brings in culture to Save </li></ul><ul><li>MFI’s Focus will shift to savings products like Insurance, savings account and Pensions. </li></ul><ul><li>Regulations will change </li></ul>
  9. 9. Banks and MicroBanks <ul><li>Microfinance brings with it a social cause and return on investment </li></ul><ul><li>PSU & Private Banks will focus on this segment, increases reach and brings in rate moderation </li></ul><ul><li>MFI’s will turn in to banks </li></ul><ul><li>Technology will bring the Paradigm shift in thought and Processes </li></ul><ul><li>Microbanks will redefine banking to the Rural Mass. </li></ul>
  10. 10. Thank You Sivaramakrishnan.K.V.
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