1. Presented by:
Akhmadkhonova Bakhtish
Kachaluba Viktoria
II semsetr
24/03/2014

2.  Basic Introduction of Traditional
Bank
 Facilities
 Benefits
 Advantages
 Disadvantages

3. A banker or bank is a financial institution whose primary
activity is to act as a payment agent for customers and to
borrow and lend money. It is an institution for receiving,
keeping and lending money.

4.  Open an account
 Open or create fixed deposits
 Renew fixed deposits
 Inquire about tax deduction
 Inquire about cheque status
 Request for a cheque book
 Request for a demand draft
 Stop payment of a cheque
 Apply for Auto, Mortgage, Home, Equity, Student or
Personal Loans
 Receive investment product and service information
 Order travelers, cashiesr and regular cheques
 Transfer funds between accounts within the bank

6. 1. In
traditional
banking
transactions,
you do not
need any type
of security. The
only matters
that you have
to keep your
bank papers of
bank book safe.

7. 2. If you are having any problem related to the
bank …

8. … you can
immediately go to
the bank and solve
your doubts.

9. 3. You can get any information
related to bank and still have any
doubts, you can immediately ask.

10. 4. You do not worry about your bank papers
till yourself give it to anybody else.

12. 1. In traditional banking, your work remain
uncompleted.

13. 2. If the
papers of
bank are lost,
you also may
lose the right
of your bank
properties.

14. 3. In traditional
banking,
sometimes your
work may
remain
uncompleted
which is wastage
of time.

15. 4. In traditional
banking, if
employees are
busy with their
bank, it any
possible that they
may not give you
the proper
answer.

16. 5. Your bank papers are not secured
through traditional banking.

17. 6. In case of
having any
problem,
every time
you have to
rush to the
bank.

18.  MICROFINANCE
 DEVELOPING PATHS TO SELF-
SUFFICIENCY

19. Overview
 Philosophy of Microfinance
 Major centers of Microfinance
 Process of Micro-credit
 Advantages of Micro-credit
 Social Impact of Microfinance
 Scope and Limitations of Microfinance

20. What is Microfinance?

22. Finance that is provided to unemployed
or low-income people or groups.

27. Microcredit is the extension of very
small loans to those in poverty designed
to spur entrepreneurship.

29. HOW POOR
ARE THESE
PEOPLE?

36. Who are microfinance clients?
 Microfinance is
provided for the
people who do not
qualify for the
banking system.
 NO collateral
 NO credit history
 Majority of the
microfinance
clients are women
(more than 90% of
microcredit is
borrowed by
women)

37. Brief History of Microfinance
In 1976, Muhammad Yunus
(Noble Peace Prize Winner 2006)
noticed that small amounts of
loans could make a big impact on
the poor peoples lives.
Grameen Bank (“Bank of the
villages”, in Bangla) was founded
in 1983, was supported by the
central bank of Bangladesh.

38. How does Microfinance work?
 System of “microloans” (typically less than $100)
 Instead of using collateral to gain credit, loans are secured against the honor of a
peer group; if one person falls to make their payments, others in the lending circle
will be denied the future credit.
 It has outperformed almost all other forms of development lending.
 It is said that microfinance have lifted 100 million people out of poverty over the
last three decades.

39. Social Impact of
Microfinance:

40.  The empowerment of women
 As the microfinance services mostly
offered to women; they are no more
financially literate and confident

41. Social Impact of Microfinance
 Building Economic
citizenship
 Financial services foster
independence.
 Microfinance can help
clients to grow more
confident and with that
economic citizenship
they can step out.
 To fight with a poverty
• Microfinance can help clients to grow more confident and
with that economic citizenship they can step out.

43. Scope of Microfinance
In India, Microfinance is growing faster than banking and,
if the experience in other developing countries is mirrored
here, microfinance ‘will reach more individuals than the
banking sector’.
Robert Aniballe, global director
Citigroup Inc.