The document discusses microfinance in India. It provides an overview of key issues in the microfinance industry such as multiple lending, improper loan usage, lack of customer orientation, and high default rates. It also performs a PESTEL analysis of the political, economic, social, technological, environmental, and legal factors affecting microfinance. Recommendations include adopting technology like mobile banking to reduce costs and increase scale, developing a strong governance framework, and differentiating products and services.
Last Exit Benchmark Studies: Pension Funds Sector 2012Nuri Djavit
Given the above changes, and building on expertise gained contributing to digital industry think tank reports for L2, Last Exit has conducted a study to benchmark the desktop websites, mobile and social presences of 19 UK pension providers. Covering 29 different touchpoints, the findings of the benchmark are summarised in this document. For more detailed information and analysis please contact us.
Last Exit Benchmark Studies: Pension Funds Sector 2012Nuri Djavit
Given the above changes, and building on expertise gained contributing to digital industry think tank reports for L2, Last Exit has conducted a study to benchmark the desktop websites, mobile and social presences of 19 UK pension providers. Covering 29 different touchpoints, the findings of the benchmark are summarised in this document. For more detailed information and analysis please contact us.
Microinsurance Framework Presentation Diamond Hotel 01 31-12.pptItoy Almario
Highlights the key elements of the National Strategy and Regulatory Framework on Microinsurance in the Philippines. Presented during the Advocacy Seminar on Microinsurance held on January 27, 2012 at the Diamond Hotel, Manila.
It is a Presentation on Analysis of Fixed and Floating Interest rates of PGCIl Bonds. Also has the issue procedure of Bonds Issue and Characterstics of Bonds( YTM, Duration and Convexity)
MODULE 1: Introduction to Microfinance and Target Groups
The Objectives for this Module are:
-To provide an introduction to basic principles and practices of microfinance
-To introduce participants to the various definitions of microfinance, the evolution of the industry, categories of microfinance and its target group
Microinsurance Framework Presentation Diamond Hotel 01 31-12.pptItoy Almario
Highlights the key elements of the National Strategy and Regulatory Framework on Microinsurance in the Philippines. Presented during the Advocacy Seminar on Microinsurance held on January 27, 2012 at the Diamond Hotel, Manila.
It is a Presentation on Analysis of Fixed and Floating Interest rates of PGCIl Bonds. Also has the issue procedure of Bonds Issue and Characterstics of Bonds( YTM, Duration and Convexity)
MODULE 1: Introduction to Microfinance and Target Groups
The Objectives for this Module are:
-To provide an introduction to basic principles and practices of microfinance
-To introduce participants to the various definitions of microfinance, the evolution of the industry, categories of microfinance and its target group
Slideshow of the first microfinance102 class held by the San Diego Microfinance Alliance at UCSD. Presentation by Chuck Waterfield at Microfinance Transparency
Webinar: Customer Experience Mega Trends For Financial Services.
Featuring Mike Hennessy, Vice President, IntelliResponse Systems Inc. and Bruce Temkin, Managing Partner of the Temkin Group.
Proven Strategies for Transparent Collaborative Government CustomerRightNow Technologies
Presentation given in August 2009 by Ben Madgett, Senior Analyst, Datamonitor and Daniel Schaub, Sr. Web Manager & Acting Director for Digital Communications with the U.S. Department of State discussing some of the proven strategies agencies are using to see measurable, cost-effective results from implementing a secure, cloud based CRM solution.
How Banks will Generate Revenue on Payments and Checking in the New EraDavid Kerstein
Presentation at the BAI Payments Connect Conference, March, 2010. Survey of bankers to understand implications of new changes in Reg E, impact on earnings, and future changes in Checking Account revenue.
The COVID-19 pandemic has affected all spheres of life and business but one of the hardest hit are the already vulnerable SMEs due to dependence on a short cash cycle, supply chain disruption, and loss of sales. To understand the current impact of the crisis on SMEs in detail, LightCastle Partners & Sheba.xyz collaborated on an independent study about the “COVID-19 Impact on the SMEs of Bangladesh".
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
3. Introduction – Microfinance
Loans outstanding : Unbanked population:
30 million borrowers
$2.5 billion 450 million
Microfinance Institutions
Co-operative NBFC –
NGO-MFI
MFI’s
Sanghamitra SEWA bank SKS
Bandhan Samiti Spandana
4. Issues facing the industry
Multiple Lending
Improper Usage of Loans Lack of Customer Orientation
Access to Capital Lack of Proper Technology
DEFAULT
Transparency in Pricing Lack of Product Customization
Lack of Corporate Governance Sensitivity to Interest rates
Over Regulation and Under
Regulation
5. PESTEL analysis
Political
Reserve Bank of India Act Economic
Lack of Technology
Banking Regulation Act
SHG model
Profile of Borrowers
Software
Companies Act
Need to support environmentally Social
2004-2005 Krishna District
Plight of Borrowers
sustainable projects
Concentration
Access
Co-operative Societies Act
AP government intervention
Farming of Funding
Sources Techniques
MNREGS
Investment
AP Act Technological
Policy Paralysis
No MIS
Microfinance Bill
RBI Regulations Environmental
Legal
6. Andhra Pradesh crisis
AP ACT 2010
High
Interest High Multiple
Coercion
Rates Suicides Lending
2.5 million houses
– 27 million transactions
Competition? Over Regulation?
Back to
Moneylenders
7. Analysis of costs of MFI’s
Components of APR
5% Annualized percentage rate is the
6% compounded annual costs of the loans
The hidden costs which is around 22% should
11% be clearly communicated to the customers
Interest
The operating expenses reduces as the scale of
Fees
operations increases
Insurance The interest rate cap of 26% will negatively
Security affect the profits of small and medium sized
78% MFI’s
MFI’s have higher percentage of overheads
compared to larger firms. These higher costs
eat into the margins of smaller MFI’s
Comparison of costs
120% SKS vs Janalakshmi Provision and
write-offs
100%
22% 7% Depreciation
80% and ammort
15% 33%
60% Operating and
30% other
40% 35%
expenses
20% Personnel
32% expenses
21%
0%
SKS Janalakshmi
8. Increase in scale of
operations reduces the
39%
operating costs
Comparison of costs
37%
35%
33% Scale Client Outreach
31%
Tier I >250,000
29%
27% Tier II 50,000-250,000
25%
23% Tier III <50,000
21%
19%
17%
15%
Tier I Tier II Tier III
Interest Fees Insurance Security
24%
21% Tier 2 MFI’s have higher costs
18%
15%
because of their investments in
OER expansion
12%
OER(P)
9%
OER(A)
6% APR reduces as the institution
3%
achieves scale
0%
Tier I Tier II Tier III
11. Technology adoption: M-
Banking
Identify core customer value proposition
Costs: $7 million
Customer reach: 120,000
Develop a strong technological framework
Develop and manage an agent network
Partner with one or more MNO’s
12. SWOT ANALYSIS
(For Profit MFIs with more
than 2,50,000 client
Strengths
outreach)
Weakness
• Lesser operating Cost • Lack of ability to track credit
• Ability to provide financial history
services to the poor • Lack of proper corporate
governance
• Lack of technology and
corporate governance
Opportunities Threats
• Huge untapped market in • Excessive regulation by the
India RBI
• Extensive Product Portfolio • Political interferences
• Collaboration with NGOs
13. TOWS MATRIX
STRENGTH WEAKNESS
OFFER DIVERSIFIED PRODUCT USE TECHNOLOGY TO
OPPORTUNITY
PORTFOLIO ALONG WITH BROADEN THE CLIENT BASE
MICROCREDIT WHICH AND CUT DOWN THE COSTS
DISTRIBUTES THE COSTS
ACROSS DIFFERENT
PRODUCTS
Self regulatory body like MFIN Good corporate governance
can support MFIs in case of principles will give little room for
THREATS
issues like over regulation political interference
