Microfinance

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  • Microfinance

    1. 1. Copie 2 - Learning Network Cologne, 5th and 6th March 2009 Norbert Kunz / Brigitte Maas Widening the (German) Microfinance Paradigm
    2. 2. The Background <ul><li>relatively young – compared to other EU countries (e.g. France, Uk) </li></ul>German Micro Finance Sector is <ul><li>not widely enough diversified (clients, methodologies, microfinance agencies) </li></ul>
    3. 3. The Challenge After 2 ½ years experience in lending the extent of improvement becomes obvious in <ul><li>costs </li></ul><ul><li>reachout </li></ul><ul><li>processes </li></ul><ul><li>ris k </li></ul>And sucessful microfinance strategies and cases in other EU countries have been identified to learn from.
    4. 4. The Strategies and Cases to learn <ul><li>strategy 3: self-help micro-finance incl. group lending microlending programmes, which build up on dezentralized forms of micro-lending f.e. AgroInvest (Montenegro), Fudusz Mikro (Poland) </li></ul><ul><li>strategy 2: pure micro-lending experience with very small loans and huge quantities f.e. MFI's from Romania, Bosnia or Montenegro </li></ul><ul><li>strategy 1: improvement of micro-enterprise lending systems f.e. UnSolMon (Catalunya), ADIE (France) </li></ul>
    5. 5. The Strategies and Cases to learn <ul><li>strategy 5: multiple-service programmes micro-finance as one component of a service package for business starter's and SME f.e. business cooperatives (Belgium), business associations (UK), Smart (Belgium) </li></ul><ul><li>strategy 4: saving based micro-finance (or similar) forms of micro-finance to reduce fear of potential clients to apply for a loan f.e. through pre-saving f.e. credit unions (UK), cooperatives (Poland) </li></ul>
    6. 6. The Methodology <ul><li>Inviting international experts (with regard to strategy 1-5) that German MFI‘s get first taste of strategy </li></ul><ul><li>Taking more detailed stock of what is not working well in our own practice (raising core questions) </li></ul><ul><li>Prepatory study visits by German &quot;Microfinance Scouts„ to draw up expert's reports for MF practitioner‘s in Germany with regard to strategy 1- 5 </li></ul><ul><li>Organizing national knowledge transfer workshops </li></ul>
    7. 7. The Methodology <ul><li>Organizing group study visits for interested microlending practioner's (selected strategies) </li></ul><ul><li>Documentation of „lessons learned“ in practitioners manual </li></ul><ul><li>Organizing mainstreaming conferences </li></ul>
    8. 8. The Partners <ul><li>microfinance institutions (national / transnational) as operational partners </li></ul><ul><li>ESF stakeholders as funders and promoters </li></ul><ul><li>local, regional, national and European institutions as mainstreaming partners </li></ul><ul><li>National and European networks as prospective strategic and operational partners (f.e. EMN) </li></ul>
    9. 9. Thank you very much for your attention! www.mikrofinanz.net

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