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Future of Microfinance

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