Microfinance Presentation 2013
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Innovative, client focused and sustainable, the BRAC microfinance programme is a critical component of our holistic approach to support livelihoods. Over the course of the last four decades, we have grown to become one of the world’s largest providers of financial services to the poor, providing tools which millions can use for the betterment of their lives.
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Microfinance Research & Development Unit
RDU works to:
- Identify strategies to improve existing operations and products
- Assess feasibility for new products through market research and consumer insight
- Design and pilot new products and processes
- Explore and manage “finance-plus” initiatives and partnerships
Constraints to the Development of Microfinance Sector in Pakistan
The Growth rate of Pakistan’s Microfinance Sector is not as high as expected. The anticipation was rise in sector growth once it enters the growth stage from the introductory stage but this has failed to happen. The paper aims to look at the reasons because of which the formal sector has growth rate lower then what international agencies like ADB and the federal government expected. For this 10 year data of the sector has been analysed from start of growth period in 2007 to 2016. The main constraints faced by the sector are access, sustainability, innovation, efficiency and risk management.
This study examines the current environment of financial market in Pakistan against the contextual history of sustained fundamental limitations that refrain the sector’s growth.
Financial Inclusion: Landscape and Challenges
There are 2.5 billion unbanked adults around the world, mainly in developing economies. Financial inclusion is important because the lack of access to formal financial services limits the ability of poor communities to thrive economically, and also entails greater risks of fraud and theft. This presentation gives an overview of the status of financial inclusion, what it means, and how new technologies such as mobile money services could help give poor people in remote areas better access to reliable financial services.
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The document is a presentation on microfinance in India. It discusses the definition of microfinance and provides statistics on microfinance initiatives in India, including the number of districts and clients served. It also notes trends in loan amounts and growth rates. The presentation outlines some of the key issues and challenges faced by microfinance institutions, such as rapid growth and commercialization leading to lower quality services. It concludes by recommending strategies for microfinance institutions to manage risks and maintain proper systems.
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The document discusses the evolution of microfinance from microcredit to broader financial inclusion services like savings and insurance products. It also discusses key challenges in microfinance, such as evolving reporting standards, increased demand for external assurance, and difficulties with valuation of investments given limited market data in developing markets. The document positions EY as an expert provider of services to microfinance institutions and investment vehicles, including audit, valuation, transaction advisory, and other services that can help clients address these challenges through EY's global expertise and experience in the microfinance industry.
Recommended
Microfinance Research & Development Unit
RDU works to:
- Identify strategies to improve existing operations and products
- Assess feasibility for new products through market research and consumer insight
- Design and pilot new products and processes
- Explore and manage “finance-plus” initiatives and partnerships
Constraints to the Development of Microfinance Sector in Pakistan
The Growth rate of Pakistan’s Microfinance Sector is not as high as expected. The anticipation was rise in sector growth once it enters the growth stage from the introductory stage but this has failed to happen. The paper aims to look at the reasons because of which the formal sector has growth rate lower then what international agencies like ADB and the federal government expected. For this 10 year data of the sector has been analysed from start of growth period in 2007 to 2016. The main constraints faced by the sector are access, sustainability, innovation, efficiency and risk management.
This study examines the current environment of financial market in Pakistan against the contextual history of sustained fundamental limitations that refrain the sector’s growth.
Financial Inclusion: Landscape and Challenges
There are 2.5 billion unbanked adults around the world, mainly in developing economies. Financial inclusion is important because the lack of access to formal financial services limits the ability of poor communities to thrive economically, and also entails greater risks of fraud and theft. This presentation gives an overview of the status of financial inclusion, what it means, and how new technologies such as mobile money services could help give poor people in remote areas better access to reliable financial services.
Effectiveness of micro finance on living standards and empowerment1
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The document discusses the evolution of microfinance from microcredit to broader financial inclusion services like savings and insurance products. It also discusses key challenges in microfinance, such as evolving reporting standards, increased demand for external assurance, and difficulties with valuation of investments given limited market data in developing markets. The document positions EY as an expert provider of services to microfinance institutions and investment vehicles, including audit, valuation, transaction advisory, and other services that can help clients address these challenges through EY's global expertise and experience in the microfinance industry.
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This document provides a table of contents for a project on microfinance and private equity investment. It outlines the objectives of studying the evolution of microfinance, business models, funding needs, and private equity deals in India. Microfinance institutions face acute funding shortages due to delayed loan repayment cycles. The research aims to understand this growing sector and investment opportunities despite challenges like over-indebtedness of borrowers. Various sources are referenced to collect data on microfinance institutions, regulations, and deals in India.
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CHAPTER 1
The document provides an introduction and background information about the author's internship at Civil Bank in Nepal. It discusses the objectives of the internship program, which were to understand the linkage between theory and practical knowledge, explore skills and experiences, and discover communication skills within an organization. It also outlines some limitations of the study. The document then presents data about Civil Bank, including its background, vision, shareholding pattern, and various savings account products and services offered.
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This paper identifies the risks in financial inclusion from the perspective of both the user and provider with a viewing to staying out of the threat curve. The paper was actually delivered at the 1st Annual Financial Inclusion Summit in Nairobi, Kenya on July 1, 2016 at Sarova Hotel.RBI pricing of credit
This document is the report of the Working Group on Pricing of Credit constituted by the Reserve Bank of India. It discusses international practices on pricing of floating rate loans and determination of credit spreads. It notes that in India, interest rates have moved from an administered regime to a deregulated one. However, concerns remain regarding downward stickiness of rates, discriminatory treatment of old vs new borrowers, and arbitrary changes in spreads. The Working Group was tasked to review these issues and suggest measures to improve transparency in pricing of floating rate loans.
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Bangladesh is rapidly including people financially: 30 million plus MFS accounts. However, the financial inclusion is limited to P2P only. Comprehensive and aggressive efforts are needed to digitize G2P, P2G, B2P and P2B payments. BTCA's toolkits will be used to plan better, execute faster and move together.
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This document is a study on NPA (non-performing asset) management of Paisafund Shetaki Sahakari Bank Ltd. in Hupari, India. It finds that the bank's gross advances and net advances have increased annually from 2016 to 2020. However, the bank also saw highest gross NPA and net NPA in 2020. The study suggests the bank arrange programs to educate customers on maintaining good credit scores and identify borrowers with genuine intent to prevent future NPAs. In conclusion, it finds that while the bank maintains its NPA level below 1%, further preventing accounts from turning into NPAs could help the bank increase profits.
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The Indian banking sector has made good progress over the last five years in areas like annual credit growth, profitability, and reducing gross non-performing assets. However, it faces ongoing challenges such as higher interest rates, tighter monetary policy, large government deficits, and stress in some sectors. While credit growth was strong in 2010-2011, led by infrastructure and NBFC lending, growth may slow to 17-18% in 2011-2012 due to these challenges and large government borrowing needs. Asset quality showed some deterioration for public sector banks but improvement for private banks. Maintaining healthy credit growth while managing asset quality risks will remain key priorities for the banking sector.
Nair infe oecd conference -bangkok-thailand-rbi
Nair infe oecd conference -bangkok-thailand-rbiOECD Directorate for Financial and Enterprise Affairs
1) India has made significant progress in financial inclusion through expanding access to banking facilities and promoting financial literacy, especially in rural areas.
2) The model involves establishing financial literacy centers, conducting literacy camps, and leveraging existing bank branches and business correspondents to open basic bank accounts and provide literacy materials.
3) Over the last few years, hundreds of thousands of financial literacy activities have been conducted, reaching millions of financially excluded Indians and expanding access to basic banking services like savings and credit.Agent Banking
The document discusses agent banking as a model for financial inclusion in Bangladesh. It provides background on financial exclusion, defines financial inclusion, and outlines the agent banking model. Agent banking allows banks to lower costs and improve access to services while earning more through serving more customers. The presentation notes some challenges of agent banking in Bangladesh like low transaction volumes, lack of awareness, and infrastructure issues, but emphasizes the advantages it could provide like reducing poverty and attracting businesses. It concludes that agent banking can be a new era for financial inclusion in Bangladesh and supports the country's standing as a leader in South Asia for ensuring access to financial services.
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Investment refers to committing money or acquiring property to generate future income. Traditional investments include assets like bonds, real estate and shares. Alternative investments comprise things like hedge funds and commodities. Investment decisions consider the expected
Investment meaning nature
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Presentation - Microfinance in India
This document provides an overview of microfinance in India. It defines microfinance and its key features. It discusses the evolution of microfinance in India since the 1970s. It describes the different models of microfinance delivery including self-help groups (SHGs), joint liability groups (JLGs), microfinance institutions (MFIs), and the priority sector lending framework. It summarizes the recommendations of the Malegam Committee on regulating the microfinance sector in India. Finally, it provides some statistics on the growth and current status of microfinance in India.
Microfinance An Introduction
Presentation includes Introduction to Microfinance Industry, Business Process, Strategies, Key Challenges, Future Outlook and Special Issues like Urban Microfinance & Rating of Microfinance Institutions
Micro finance in India
This document presents information on microfinance in India. It discusses how microfinance provides financial services like credit, savings and insurance to poor individuals. It notes that microfinance aims to improve livelihoods through capital provision. The document provides statistics on microfinance in India and outlines the roles of various regulatory bodies. It discusses self-help groups and their importance in poverty alleviation. It also examines the role of banks in providing assistance to microfinance institutions and some problems faced by these institutions. Finally, it proposes various solutions and concludes by emphasizing the potential of self-help groups and microfinance to reduce poverty in India.
Micro finance-shg-ppt
SAKHI raises capital through:
1. Loans from Friends of Women World Bank at an annual interest rate of 13.5%
2. Group guarantees followed by center guarantees for loans provided to members
3. Upfront loan processing fees of 2% charged to borrowers
SAKHI provides microloans ranging from Rs. 3,000 to Rs. 15,000 to economically disadvantaged individuals through a systematic organizational structure and loan disbursement process.
Microfinance in India
This document provides an overview of microfinance in India. It discusses how microfinance provides financial services to low-income individuals who lack access to traditional banking. It notes examples like Mrs. Bharti who was able to start a sewing business after getting a microloan. The document also discusses challenges in the microfinance sector like steady access to capital, heavy dependence on banks/financial institutions, and political sensitivity around interest rates charged. Overall, the document aims to introduce microfinance and its role in empowering the poor in India.
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OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
How will new technology fields affect economic trade?
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原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
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Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...
Tax System, Behaviour, Justice, and Voluntary Compliance Culture in Nigeria -...Godwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
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本公司拥有海外各大学样板无数，能完美还原。
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◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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Microfinance Presentation 2013
- 2. Outline • Update on 2013 performance • Innovation – New financial products and services – Financial inclusion and integration – Research and information systems • Upcoming initiatives – “One BRAC” – Innovation Fund for Digital Financial Services www.brac.net
- 3. Description of loan products Average loan size Loan term Repayment mechanism Major uses of loans Dabi $275 12 months Equal weekly/monthly installments Small operations in poultry, livestock, vegetable cultivation, handicrafts and rural trade Progoti $2,200 12 or 18 months Equal monthly installments Working capital for shops, agricultural businesses and small manufacturing Migration loan $2,300 12, 18, or 24 months First month no installment, Increasingly over time Financing outgoing migrants’ costs, migrants’ families well being www.brac.net
- 4. www.brac.net
- 5. Savings • • • • • Regular Passbook Savings Monthly Deposit Scheme Double Deposit Scheme Fixed Deposit Scheme Monthly Profit Scheme www.brac.net
- 7. Microfinance at a Glance Bangladesh Particulars Loan Portfolio: Savings: Members: Borrowers: Average Monthly Disbursement: Staff: As of October 2013 $ 894 million $ 349 million 5.72 million 4.38 million $127 million 17,000 www.brac.net
- 8. Trend: BRAC Microfinance Bangladesh 2012 2013 (as of Oct) Particulars 2010 2011 Portfolio (Mil) $ 534 $ 644 $773 $894 Savings (Mill) $ 243 $ 272 $ 320 $349 Disbursement (Mil) $ 899 $ 1,052 $1,250 $1,270 PAR (>30 days) 10.3% 7.9% Operating self sufficiency 118.6% 110.8% 5.9% 128.3% 6.5% 135.6% www.brac.net
- 9. www.brac.net
- 10. Microfinance at a Glance BRAC International Portfolio (USD, mil) Members Borrowers Avg. Monthly disbursement (USD, mil) Branch Offices Pakistan 8.1 65,000 58,000 1.6 78 Sri Lanka 9.2 81,000 68,000 1.3 87 Tanzania 20 131,000 101,000 3.8 112 Uganda 22 161,000 127,000 4.5 130 Sierra Leone 2.8 26,000 20,000 0.48 29 Liberia 2.3 25,000 13,000 0.38 25 www.brac.net
- 12. Capacity for research and development www.brac.net
- 13. New products and services • Medical loan • Mobile money-based special savings www.brac.net
- 14. Integration and inclusion • Partnership with the Center for Rehabilitation of the Paralyzed • Skills training for village organization members’ children • Youth savings product for members of kishori clubs (Adolescent Development Programme) www.brac.net
- 15. www.brac.net
- 16. Research and information • Understanding clients’ behavior and needs – Financial diaries – MIS-based analyses to be followed by field studies (with Cambridge University) • Improving data systems through increased GIS information and cross-program sharing initiatives www.brac.net
- 17. Mapping BRAC’s presence at the grassroots Dinajpur Chehelgaji community resources map www.brac.net
- 18. Plans for 2014 in Bangladesh • Micro-pensions • Financial education and client protection • BRAC Innovation Fund for Digital Financial Services www.brac.net
Editor's Notes
- Regular passbook (“own savings”)—compulsory; 5% at the time of dispursement, minimum of 200 per month; 6%, technically could take it out anytime Special savings team Monthly deposit scheme—working towards a target Double deposit—principle doubles; put it in once, get double after 7 Fixed deposit—fixed interest rate; one year Monthly profit scheme—getting interest every month
- Add the table here
- Political situation usually leads to higher PAR because harder to collect installments; write offs take effect in june and december—when we do the write off in december, it should be under 5.9%. Ideal PAR 5.6 for dabi 4.6 for progoti
- We have acquired a finance company in Sri Lanka and our portfolio from the NGO is being transferred there; becoming a regulated financial institution Now have 4 staff on the ground in Myanmar, hoping to start disbursements in February 2014
- 1/3 of MF borrowers default because of medical reasons; borrow $$ from other sources at an extorbitant rate…..better if they take a loan from us Tk 3-50k Tell your PO/BM, I’m sick, need to go to the doctor; referral slip to BRAC hospital (Rangpur). Based on MD’s assessment, we make the payout. End of Oct 36 loans Will expand to more emergency-care loans. Will also expand to ~50 BRAC clinics; panel doctors