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Bachelor Thesis

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Copyrights Nitish SIvaramakrishnan

Copyrights Nitish SIvaramakrishnan

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  • 1. Bachelors Thesis ProjectDesign of a Microfinance based mobile interface Department Of Design Indian Institute of Technology Guwahati S.Nitish Sivaramakrishnan 06020517 Guide: Prof. Pradeep Yammiyavar Department Of Design, IIT Guwahati Bachelor Thesis Presentation
  • 2. Contents• Objective• Timeline• Introduction• Design Methodology• Literature Review• Data Collection and Field Study• Research Conclusions and Insights• Conceptual Design• Final Prototype• Conclusions• Acknowledgements Bachelor Thesis Presentation
  • 3. Objective• Aim : Design of a microfinance based mobile interface for the Microfinance Credit officer to easily tackle Microfinance Activities and Transactions• For doing the various microfinance activities  Creating New records  Locating new groups  Saving transactions  Reporting collections and transactions Bachelor Thesis Presentation
  • 4. Timeline Oct - Nov Feb - Mar Apr Final application Preparation of prototypes Case1: PEACE development on and wireframes Case2: Grameen Bank Netbeans JAVA Problem and Documenta Mockup First PhaseLiterature Case Study Application User Final tion and and Application Study Analysis Area Testing Prototyping Demonstrat Prototyping Design identificatio ion nStudy of MicrofinanceMobile ApplicationDevelopment Field study at Prototype based on Nightingale and visual and aesthetic Grameen Sahara guidelinesAug- Sept Dec- Jan Bachelor Thesis Presentation
  • 5. Introduction• What is Micro-Finance ?• The typical micro finance clients :  Low-income persons  Micro finance clients are typically self-employed, often household-based entrepreneurs.• In rural areas,  Small farmers and  Food processing and petty trade.• In urban areas,  Shopkeepers, service providers, artisans, street vendors, etc.• The obstacles - microfinance industry  Difficulty in maintaining sustainability  Poor regulation and supervision of deposit-taking MFIs  Few MFIs that mobilize savings  Limited management capacity in MFIs Bachelor Thesis Presentation
  • 6. Design Process Bachelor Thesis Presentation
  • 7. “ Generating ideas on the project, Literature Study What are the current demands and trends , how are things managed, details about Microfinance process ”•What is Microfinance?•Who are the peopleinvolved?•How it functions?•How can Mobile ICTbring about a positivechange?
  • 8. “ Answering Key questions that were raised during the initial stage. Generating ideas, identifying and understanding the users. Defining the context of product usage”Field Research at•Nightingale CharitableSociety, Chandmari, Guwahati•Grameen Sahara, Choaigaon,Guwahati
  • 9. “ The ideas and insights from the design research put into discussions, sketches and mockups. Defining scenarios and creating personas go hand in hand ”•Brain Storming•Sketches•Defining Scenarios•Creating Personas•Mockups•Task Flows
  • 10. “ Designing through iterations helps in evolving designs. User testing enables the designer to validate, test and evolve the design on real feedback”•Iterative design•Architecture Diagrams•Task Flows•Wireframes•Prototyping•User Testing Design Prototype Test
  • 11. “ Creating the Mobile Interface using principles ofusability and interactions. Visual Design of the UIincludes aspects such as, layout, information designand animation”
  • 12. “ Using JAVA J2ME technology to create theprototype on a mobile phone and handling thecompatibility issues with phone resolutions”
  • 13. Data Collection and Field StudyQuantitative Data: Nature of Data Number• Photographs 30• Videos 11• Interviews 6• Process Studies 3• Documents and forms 17Qualitative data:• Process understanding• Client and Credit officer interaction• Credit officer work schedule• Statistics and information about various products and processes Bachelor Thesis Presentation
  • 14. Literature ReviewTook case studies from:• Grameen Bank• PEACEPurpose:• Understanding the purpose of the activity• People involved in the process• Technological Drawbacks• Other nuances Bachelor Thesis Presentation
  • 15. Field Study : CML• Funded by Tata Social Welfare trust, dedicated to MF research• Also organises training programmes, workshops and seminars• Interview excerpts with Mr. Partho Patwari:  Microfinance has a personal touch  Mobile connectivity in transactions  Lesser data collected presently, and 95% on paper  Household rather than individual  Issues of trustworthiness, monitoring activity and accountability Bachelor Thesis Presentation
  • 16. Field Study : Nightingale Charitable Society• Loan repayment process: • Repayments are collected from group leaders • A receipt is given to the client and a counter is kept with CO • CO goes over to Branch Office to transfer data to the daily collection register • CO also makes entry on the loan card to be approved by the branch manager • Day of month system, intra-group compensation• CO fact file: • Receipt book, a personal (ruled by hand) record book • Has a jurisdiction • Possesses a mobile phone, does field work from 0930hrs onwards Bachelor Thesis Presentation
  • 17. Field Study : Nightingale Charitable Society Bachelor Thesis Presentation
  • 18. Field Study : Grameen SaharaMicrofinance Credit officer:• Communicate to the client about the loan sanction and loan amount• Collect required documents Photo ID (ration card or voter ID card)• Completion of loan documents (DPN ,Loan Agreement )• Prepare Loan Passbook• Thorough check of documentation done• Upfront charges to collected :loan processing fee, membership fee, and risky fund/insurance fee during disbursement• Issue receipt against each cash collection Bachelor Thesis Presentation
  • 19. Field Study : Nightingale Charitable Society Bachelor Thesis Presentation
  • 20. Research Conclusions and Insights• The Microfinance credit officer forms the joint liability groups .• Completes the formalities and documentation for each group• He communicates the group details to the branch office and the branch manager.• The microfinance credit officer visits the households and client groups as per schedule that he prepares the previous day.• The credit officer maintains records in his personal hand book and carries a receipt book on his field visits.• The Credit officer visits every group in intervals of 20 to 30 minutes.• The credit officer has a reasonably high end mobile phone enough to run applications made on flash and J2ME. Bachelor Thesis Presentation
  • 21. Final DesignsSchedule Application:•Application has 4 different modules•The 1st application: Daily Schedule•Displays List of clients to be visited : group code, time, groupleader name are displayed•Credit officer enters : Principal, Interest and receipt number•Confirmation message displayed•Message sent to the Branch Office Bachelor Thesis Presentation
  • 22. Final DesignsModify Group:•The 2nd application: Modify Group•Displays List of all clients : group code, time, group leader nameare displayed•Credit officer enters/changes field entries : Group code, GroupLeader, Collection date, Collection time, Interest Principal, Lastcollection, Disbursement date, Installment number•Confirmation message displayed•Client details modified successfully Bachelor Thesis Presentation
  • 23. Final DesignsAdd New Group:•The 3rd application: Add New Group•Displays empty form for data entry: group code, group leader namecollection date, collection time, disbursement date, Interest,Principal.•Credit officer enters the data:•Confirmation message displayed•A new group successfully created Bachelor Thesis Presentation
  • 24. Final DesignsArea Map Application :•The 4th application: Area Map•Displays the area map application , options : zoom in , zoom out,search Bachelor Thesis Presentation
  • 25. “ Evaluation of the product based on its functioningfeatures, compatibility on different resolutions -Product Demonstration ”“ Product Demonstration ”
  • 26. Discussions and Conclusions• The final working prototype of the application is functional and is packaged as a deliverable JAVA application. The application would be used by the microfinance credit officers in the field and also the mobile application is compatible on many types of mobile platforms ranging from a touch phone to a low-end mobile phone.• For a future reference the application could have more number of modules and packages that can be installed inside the application as utility tools for the Credit officer as the need arises. As and when the microfinance institution has available finances it could deploy hand held computers and devices for data entry that can have these details incorporated in them.• The impact of the project will render the job of the Credit officer easy and this could indirectly help the microfinance institutions cover more clients over the process and would reduce the record maintenance cost at all levels.• The application is successful in managing the sustainability and outreach issues. Bachelor Thesis Presentation
  • 27. Acknowledgements• I would like to express deep gratitude to my guide Prof. Pradeep Yammiyavar for his guidance, encouragement and gracious support throughout the course of my work, for his expertise in the field that motivated me to work in this area and for his faith in me at every stage of this research.• I would like to thank Mr.Partho Patwari, Program coordinator, Centre for Microfinance and Livelihood. I am grateful to the Microfinance institutions Nightingale Charitable Society – Microfinance, Guwahati and Grameen Sahara, Guwahati for providing necessary support and permissions to conduct field studies.• I would like to thank all the students and staff of Department of Design for their help in the whole process leading to the conceptualization of the project. In particular I would like to thank G.Venkateshwaran and Iyer Ganesh Vishwanathan for their support in this project. Bachelor Thesis Presentation
  • 28. Thank You