Tutorial work on The Grameen Bank Model comparing to local Banco Solidario in Ecuador. PPT made by UCSG students Final tutory grade: 8

1. GROUP MEMBERS:
• ISAAC COSTALES
• CARLOS FLORENCIA
• NICOLAS LOPEZ
• WASHINGTON MENDOZA
• KARLA QUILLE
• SALOMON ZAMBRANO
LECTURER:
MAX GALARZA
GRAMEEN BANK
English VII Tutorial: BANCO SOLIDARIO

2. INTRODUCTION
• TO APPLY THE GRAMEEN BANK MODEL TO ATTRACT MORE CLIENTS DUE TO THE
SIMPLIFICATION OF SOME PROCESSES AND THE EXTRA HELP THAT WILL BE LENT
TO THE USER
• THE FIRST SPECIALIZED BANK IN MICROCREDIT WITH 100% PRIVATE CAPITAL,
AND THE FIRST IN ECUADOR TO DEDICATE EXCLUSIVELY TO THIS FORM OF
FINANCIAL OPERATION.

4. VISION
Lead the financial and social inclusion of
large segments of the population,
building a network of mutually
beneficial relationships.
MISSION
Contribute to the progress and improvement
of the quality of life of the micro-entrepreneurs
and workers of the large segments of the
Ecuadorian population, with financial
products and services appropriate to their needs

5. SERVICES
SOLIDARITY WITH MY FAMILY
• SAVING SAVINGS
• FUTURE SAVINGS
• SAVINGS SOLIDARITY ACCOUNT
• CURRENT ACCOUNT
• ALIA CARDS
• GOLD POT CREDIT
• UINICRÉDITO
IN SOLIDARITY WITH MY BUSINESS. –
• CREDIT FOR MICROENTREPRENEURS
• IMMEDIATE CREDIT
• FIXED-TERM DEPOSIT CERTIFICATE

6. BRANCH OFFICES
• PICHINCHA: 21 LOJA: 1
• LOS RÍOS: 1 AZUAY: 1
• MANABÍ: 5 CHIMBORAZO: 1
• SANTA ELENA: 1 MACHALA: 1
• SANTO DOMINGO: 1 ESMERALDAS: 2
• TUNGURAHUA: 3 COTOPAXI: 2
• GUAYAS: 12 IMBABURA: 2

9. GRAMEEN BANK VS CONVENTIONAL BANKS
• TO BRING ECONOMIC AND SOCIAL CHANGE TO
THE POOR.
• BASED ON TRUST
• LOOKS AT WHAT THE BORROWER CAN HAVE
• LOCATED IN RURAL AREAS
• FLEXIBLE PAYMENT SCHEME
• LOANS ARE FOR PRODUCTIVE ACTIVITY, NOT
CONSUMPTION
• MOST OWNERS AND BORROWERS ARE POOR
WOMEN
• TO MAKE PROFIT
• BASED ON COLLATERAL
• LOOKS AT WHAT THE BORROWER ALREADY
HAS
• LOCATED IN URBAN AREAS
• STRICT PAYMENT SCHEME
• LOANS COULD BE USED FOR CONSUMPTION
OR OTHER ACTIVITIES
• MOST OWNERS AND BORROWERS ARE
WEALTHY MEN

10. • BANCO SOLIDARIO WILL USE THIS
SYSTEM IN ORDER TO HELP PEOPLE
WITH SCARCE RESOURCES IN A
BUSINESS START-UP, LEAVING ASIDE
THE REGULAR REQUIREMENTS
IMPOSED BY THE OTHER FINANCIAL
INSTITUTIONS.
• SOME OF THE REQUIREMENTS THAT BANCO
SOLIDARIO CREATED FOR THIS SEGMENT ARE:
• CUSTOMERS DON´T NEED A COLLATERAL TO
GET A LOAN
• THE INTEREST WILL BE LOW WITH PAYMENT
FACILITIES
• THE BANK WILL PROVIDE CLASSES TO THEIR
CUSTOMERS IN ORDER TO TEACH HOW TO
MANAGE FINANCIAL RESOURCES.
• THE AVERAGE LOAN THAT IS USUALLY
GRANTED RANGES BETWEEN 150 AND 600
DOLLARS AT LOW OR NO INTEREST.

11. REFERENCES
• HTTP://WWW.BANCO-SOLIDARIO.COM/
• HTTP://WWW.GRAMEEN.COM/
• HTTP://WWW.BANCO-SOLIDARIO.COM/SOLIDARIO-CONMIGO/SOLIDARIO-
CONMIGO/NUESTRA-HISTORIA/
• HTTP://BANCO-SOLIDARIO.COM/IMAGES/MEMORIAS/MEMORIA2016/1.HTML