1. MICRO FINANCE
An Initiative of CBMD to Empower the Nation

2. Centre for Bharatiya Management Development
A Section 25 Company
Corporate ID No. U74140DL2006NPL151114 (
p (2006-
(2006-2007)
)
(Promoted by SJF Trust)
Sarathi Microfin Services
MICRO FINANCE WING

3. BuIldIng brIdges together . .
Empowering The Nation
by Empowering the
Poor
WE ARE FOR U --- U ARE FOR NATION

4. VISION
“To Reach 10 Lakh Poor Families By 2016 With
a Brand Image Of Reliable MFI By Determindly
Working In The Country With Diversified
g y
And Client Centered Services”

5. MISSION
“Help The Poor By Providing The Accessibility To Financial
Services Livelihood D l
S i & Li lih d Development Activities ,
t A ti iti
Where They Lead Their Lives With Dignity
and
Fulfill Their Needs,Aspirations & Ambitions and Make Them
f p
To Deliver the
“Citizen – Responsibilities”
Responsibilities”
p
FOR EMPOWERING THE NATION

6. CBMD -SMS- ‘AIMS’
SMS- AIMS
EVERY POOR FAMILY MUST LIVE
HAPPILY WITH 3"S”
"S”
● SAFETY for life
● SECUTIRY for food
● SUSTAINABILITY in Income

7. SMS - CBMD
OBJECTIVES
● WOMEN EMPOWERMENT
● POVERTY ERADICATION
● INCOME GENERATING ACTIVITIES
● MED PROMOTIONS

8. A PYRAMIDAL MODEL OF EMPOWERERMENT
EMPOWERMENT (Political)
Micro enterprise
INCOME GENERATIONS
MICROFINACE
SHG/JLG FORMATION
EMPOWERMENT EMPOWERMENT
( Economic) (social)

9. What is MicroFinance?
Financial Services delivered to Bottom
of the Pyramid (BoP) Clients
f h P id (B P) Cli
Wide range of Services – Financial and
g
Social Intermediation
Credit,
Credit Savings (several products),
products)
Insurance, Remittances etc

10. How is Microfinance Delivered?
There
Th are three k ones:
h key
The SHG Bank Linkage Model and its
variants
The Institutional MFI Model supported
pp
by DFIs and Commercial banks
T e Off- a a ce S eet e d g ode
The Off-Balance Sheet Lending Model
O
innovated by Commercial banks.

11. Micro Finance in India
Significant Growth of
MicroFinance, over the last few
,
years
Large number of supply side
stakeholders are embracing micro-
micro-
finance,
finance as a sustainable approach to
poverty reduction

12. MicroFinance is Concentrated
in Which Geographic Areas?
The
Th states of Andhra P d h and
f A dh Pradesh d
Tamilnadu have the maximum coverage
under various models
models.
A vast majority of other areas are either
un-
un-served or under-served – Madhya
under-
Pradesh, Maharashtra, U P, Jharkhand,
Bihar,
Bihar North East
So, the question is how do the poor
access financial services in these areas?

14. Huge Demand Supply Gap
in Servicing BoP Clients
g
Large Gap – Range between 300 –
g p g
400 million Un-served/Under-served
Un-served/Under-
poor people
Current sources – Informal Money
Lenders, L dl d Middl
L d Landlords, Middlemen, etc.

15. Key Challenges for MicroFinance
y g
Reaching SCALE is very Critical
Rural Vs Urban
b
Women Vs Men
Reducing Transaction Costs - especially
for Servicing Remote Rural Areas
g
Trained Professionals (Human Capital)
Required
Technology Must be Used

16. “Vidharbha” MF Issues
Now a days becomes a hub for farmer
y
suicides
No MFI with local touch
Less coverage of SHGs under Bank
linkage schemes

17. WHY WE CHOSEN NAGPUR
IT’S HEART OF THE CENTRAL PROVINCE
ENRICHED OUR COUNTRY SPIRITUALLY &
PHILOSOPHICALLY
PARENT ORGANISATION’S STRONG
PRESENCE SINCE 8 YEARS
HUGE POTENTIALITY
(15 BRANCHES CAN BE STARTED TO
COVER 50000 – 60000 MEMBERS)
)

18. Our Beneficiaries
Women, belongs to Socially & Economically
Weaker Section
Business / Income Generating - oriented
Hard-
Hard-working & Honest
g
Who needs growth in the lives / Standards
Aged between 18 to 55

19. CASTE WISE DATA OF MEMBERS
NAME OF
THE NO
OF
CASTE MEMBERS IN %
NO OF MEMBERS
600
OC 51 3.27
500
OBC 510 32.73
400
300
NO OF
MEMBERS SC 527 33.82
200
100 ST 280 17.98
0
MUSLIM
N
ST
M
C
BC
SC
IA
O
LI
O
ST
US
&
RI
M
CH
Others 190 12.20
TOTAL 1558 100

20. Members in livelihood activities

22. SMS – ‘Services’
Services
Present & Future
MICRO CREDIT
MICRO INSURANCE
MICRO SAVINGS
MICRO PENSIONS
BUSINESS DEVELOPMENT SERVICES
SOCIAL SERVICE ACTIVITIES

23. Methodology
Grameen Bank Methodology
Branch & Area Concept
Samyukta Javabdari Samuha / J L G
Center Concept (3/4 Groups)
5 women as 1 Group
3000 to 4000 Members per Branch

24. Achievements up to -09-10
09-
1. 242 members joined
2. 1558 Loans disbursed & Active Clients
3. 4.16,65/-
4.16,65/- Crores Disbursed
4.
4 Recovered 3.38.68 lakhs & 77 96 lakhs Outstanding
3 38 68 77.96
5. Value of Loans Completed 2.82 lakhs
6. 100% on time recovery
7. Members attendance during meetings was averagely
100%
8.
8 Group Leaders Attendance was at 100f%
100f%
9. Presently covered 25 slums (In 8 major areas – Pardi,
Pardi,
Siraspet, Babulkheda, Nandanvan,
Siraspet, Babulkheda, Nandanvan, Lakshkari
bagh,Panch pawali,Sanjay G dhi N
b hP h li S j Gandhi Nagar,Adarsha N
Ad h Nagar) )

25. Sector wise Disbursements (05-07-08)
(05-07-
NO OF LOANS
SECTOR NO OF
450
NAME LOANS in %
400
350
Agri Allied 286 13.00%
300
250 Production 265 12.00%
NO OF LOANS
200
150 Services 883 40.00%
100
50
Trade 772 35.00%
0
TOTAL 2206 100.00%
e
rs
s
ad
n
d
ce
he
t io
llie
Tr
rv i
uc
Ot
ri A
Se
od
Ag
Pr

26. EMINENT PERSONALITIES VISITED &
BLESSED US
Maananeeya Shri. Madan Das Deviji while
disbursing loan to C.No. 48 on 19/7/2007
C No

27. Maananeeya Shri. Muralidharraoji interacting
with members of C N 8 on 11-07-2007
ih b f C.No. 11-07-

28. Shri. Devendra Fadnavisji during visit to
j g
C.NO. 58 on 6-11-2007
6-11-

29. OUR FUTURE PLANS
INCREASE THE CLIENT BASE TO
5000 BY MARCH 2010
EXPANDING 5 BRANCHES IN THE
YEAR 2010-2011
2010-
IN NEXT 5 YEARS PLANS TO START
60 BRANCHES (MINIMUM 3500
CLIENTS PER BRANCH) WITH A
CLIENT BASE OF 2.00 LAKHS

30. Our sUccess lies
In U

31. Our Humble request
To
● Loan Funds (at soft ROI)
ROI)
● Capacity Building Funds
● Grants & Donations
● Partnerships & Collaborations
●SSupport & N t
t Networking
ki

32. THANK YOU
Further details please contact
Mrs. Anjali Mase
COO, MICRO FINANCE WING
Mobile No: 9422502564
Email us : cbmdmfi@gmail.co
: anjalimase@yahoo.co.in
j li @ h i