Opportunities In Microfinance Amidst The Global Financial Crisis
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This presentation provides an update on the challenges and new opportunities for rural banks who provide microfinance services in the Philippines in light of the current global financial crisis. This was presented during the RBAP-MABS National Roundtable Conference held in Manila, Philippines on May 12-13, 2009. To learn more about RBAP-MABS, see www.rbapmabs.org/home
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This document provides an overview of strategies and initiatives to improve SME finance. It discusses key observations on SME banking profitability and challenges in the sector. It then outlines IFC's approach to addressing these challenges through advisory services, partnerships, knowledge sharing initiatives like the SME Finance Forum, and investment projects. Case studies highlight projects in Honduras, Lebanon, and China that helped participating banks grow their SME lending and improve performance.
Small Business Banking Segment Strategy
Most banks believe they are committed to servicing Small Business customers. They develop products and services for this segment; they invest considerable amounts of time and money trying to improve their Small Business Bankers’ business development (i.e., sales) skills; and some may even create a line of business within the bank entitled “Business Banking” or “Small Business Banking.” But most of these efforts fail to produce the desired growth objectives because banks don’t really understand the needs of the small business customer
Microfinance: Yesterday, Today, and Tomorrow: What is the Next Best Practices
Microfinance has evolved from a risky activity provided by non-profits to a mainstream part of the formal financial system. A supportive regulatory environment established rules for banks to engage in microfinance and manage risks. Today, microfinance offers a wider range of services through more providers and channels. However, increased competition also poses new challenges around over-indebtedness and consumer protection. The future requires continuous monitoring and responsive regulations to further financial inclusion responsibly.
Microfinance
Microfinance aims to provide financial services like credit, savings, insurance and money transfers to low-income households and micro-entrepreneurs. It is delivered by microfinance institutions (MFIs) through small loans with group lending. Shortcomings include overdependence on donors, high interest rates, lack of regulations and difficulty reaching remote areas. The State Bank of Pakistan has launched various initiatives like credit guarantee facilities, funding programs and partnerships to strengthen the microfinance sector and promote financial inclusion.
Financial Innovations1
- Microenterprises make up over 90% of businesses in the Philippines and are important for economic growth, yet many lack access to financial services. Microfinance provides loans, savings, and other services to these small businesses and low-income households.
- Key principles of microfinance include targeting the poor, linking financial services to microenterprises, and designing innovative products like group lending and flexible terms. Leading programs have expanded microfinance access through banks, NGOs, and cooperatives.
- The Bangko Sentral ng Pilipinas promotes microfinance through policies, training, and advocacy to help banks better serve microenterprises and their communities. Over 200 banks have provided microloans
Traders or Commodity Finance Banks Part VIII-
Recent developments have prompted commodity trading companies to re-evaluate their borrowing arrangements and take on more of a financing role. As banks pull back financing from commodity traders, the traders are having to step in as financiers themselves. While this relies on continued funding from banks, without it commodity companies could face serious liquidity challenges.
Poverty, Development, Microfinance-an introduction to Microfinace
This document provides an overview of microfinance and poverty alleviation. It discusses who the poor are and why they need access to financial services. It examines common household expenses and how the poor currently pay for these expenses. It then analyzes different microfinance models and the types of financial services they provide, including savings, credit, insurance, and remittances. The document also explores the supply and demand challenges of providing these services, and how internet platforms like Kiva are attempting to address some of these challenges by linking lenders and borrowers online.
Best Approach to Finance SMEs-Program Lending
Program lending is an approach for banks to finance small and medium enterprises (SMEs) in a standardized way. It involves designing uniform lending programs tailored for specific SME sectors. This reduces processing costs and credit risk for banks. Eligibility criteria, terms, conditions and simplified approval processes are standardized. Banks can develop quality SME lending portfolios and lower costs while achieving higher profit margins. Implementing program lending requires support from senior management, credit data, and redesigning business processes to coordinate standardized SME financing at scale.
09 d31e0019
The document discusses strategies for retail banking in India. It notes that retail banking has grown significantly, but penetration is still low compared to global benchmarks. It is expected that retail credit will grow to Rs. 575,000 crores by 2015. Future strategies discussed include focusing on customer segmentation, expanding into rural areas, avoiding debt traps, and partnering with other industries to grow retail banking. The winning strategy is to best address customer needs through their preferred channels.
Annie duflo
The document discusses developing appropriate financial products for rural markets in India. It notes that to be effective, products need to be delivered through appropriate local channels, answer the demands of rural clients, and be priced affordably while allowing sustainability. It outlines various microfinance models in India including self-help groups (SHGs) and microfinance institutions (MFIs). It discusses the need for credit as well as non-credit products like insurance and remittances to meet client needs. It also addresses challenges like reaching the very poor and a lack of business skills that limit innovation.
Avoiding Over-indebtedness
This presentation on avoiding over-indebtedness was presented during the Microfinance Council of the Philippines Annual General Meeting entitled "Making a Difference: Multi-Stakeholder Action
Towards Responsible Microfinance" held in Manila on July 28-29, 2011.
Understanding Reverse Factoring and SME Finance: A Guide for Small Business O...
As a small business owner, managing cash flow can be a constant challenge. One solution that has gained popularity in recent years is reverse factoring, also known as supply chain financing, and SME finance. In this guide, we will explore these two financing options and how they can benefit small businesses.
Approach
The document discusses microfinance in India and the work of the Centre for Micro Finance (CMF). CMF aims to maximize the impact of microfinance through research and strategy building for microfinance institutions (MFIs). Its Research Unit conducts studies on topics like the financial behavior of clients and the impact of microfinance. Its Strategy Unit provides advice to MFIs on growth strategies, organizational structure, and reducing costs of funds. CMF also facilitates partnerships between MFIs and companies to improve clients' livelihoods through activities like cattle feed distribution and mint cultivation.
Good Practice Guidelines For Funders Of Microfinance Presentation (2006) 28p ...
The document provides guidelines for funders of microfinance to help ensure good practice and effectiveness. It outlines lessons learned at the macro, meso, and micro levels of financial systems and provides operational guidelines for funders. Key recommendations include supporting interest rate liberalization and financial inclusion while avoiding direct credit programs. The guidelines aim to help funders align their actions with their strengths and maximize positive impact for poor clients.
ALCO Process - Funds Management
Rather than shy away from some of the more efficient non-core funding techniques, we believe it wise to make certain your Board and your Examiners understand what is being accomplished through the use of wholesale funding tactics and our third webinar on the ALCO Process is designed to describe an approach to this issue. We will provide guidance on:
1. Where to describe your strategy.
2. Limits to place on non-core funding.
3. Reporting the use of non-core funding.
4. Non-core funding products and services that are in use today.
5. Pros and Cons of these funding sources.
Msme funding – Opportunities & Challenges (Part 5)
In India, the preferred mode of finance is either self or other sources. This further complicates the situation, as with these sources an enterprise cannot challenge the increasing competition
Similar to Opportunities In Microfinance Amidst The Global Financial Crisis (20)
Improving bso services and sme performance through cleaner production
Improving bso services and sme performance through cleaner production
Microfinance: Yesterday, Today, and Tomorrow: What is the Next Best Practices
Microfinance: Yesterday, Today, and Tomorrow: What is the Next Best Practices
Poverty, Development, Microfinance-an introduction to Microfinace
Poverty, Development, Microfinance-an introduction to Microfinace
Understanding Reverse Factoring and SME Finance: A Guide for Small Business O...
Understanding Reverse Factoring and SME Finance: A Guide for Small Business O...
Good Practice Guidelines For Funders Of Microfinance Presentation (2006) 28p ...
Good Practice Guidelines For Funders Of Microfinance Presentation (2006) 28p ...
Msme funding – Opportunities & Challenges (Part 5)
Msme funding – Opportunities & Challenges (Part 5)
More from John Owens
La importancia del de risking y las implicaciones en los sistemas financiero...
This is the Spanish version of my presentation on the implications of de-risking on the financial sector, especially in Latin America. I highlighted what de-risking is, its impact, regional and international groups working on de-risking and some of the potential steps that the industry can take to address the thorny issue of de-risking.
Let me now your thoughts.
The implications of de-risking on the financial system in Latin America
In May 2018, I traveled to Asunción, Paraguay to present on the implications of de-risking on the financial sector, especially in Latin America. I highlighted what de-risking is, its impact, regional and international groups working on de-risking and some of the potential steps that the industry can take to address the thorny issue of de-risking.
Let me now your thoughts.
FinTech Applications & Tools for Financial Health
During my presentation in March in Kyiv, Ukraine, I shared global examples of FinTech tools and applications that can not only support greater financial inclusion but, more importantly, can address the overall financial health of customers and improve consumer protection.
Responsible Digital Credit Webinar
All over the world, small loans to invididuals and very small business are increasingly made using digital channels, whether online, via a mobile devide or through an agent. However, trust, confidence and responsible lending practices need to be in place to ensure this industry is successful and its customers are protected and empowered.
In Responsible Digital Credit, CFI Fellow John Owens outlines the digital credit landscape and the risks customers face, and examines the best practices, standards and initiatives that exist or should be implemented to improve consumer protection in digital lending. Ultimately, John argues, it will take a village to ensure that digital credit clients are protected—including govenrment, regulators, industry players, advocates and consumers themselves. He sees three key activities: 1) industry self-regulation, 2) certification of digital credit providers, and 3) directly empowering consumers, as key to the future of what responsible digital credit looks like.
This report is published jointly with the Smart Campaign and was made possible by support from Mastercard Foundation and other partners. See https://mobilemoneyfordevelopment.wordpress.com/2018/08/02/a-framework-for-responsible-digital-credit/ to download the report,
Global FinTech Trends
This document discusses global FinTech trends from 2017. It defines FinTech as financial technologies that create new or improved financial services for consumers and businesses. The key trends discussed include growing mobile internet access driving financial inclusion; increasing use of data analytics, blockchain, and cryptocurrencies; transition to mobile payments and wallets; rise of marketplace and online lenders; and enabling factors like infrastructure, regulations, and access to capital driving FinTech innovation. Challenges to FinTech adoption are also noted. Diagrams show global funding invested in FinTech and the growth of the mobile payments market in 2017.
Risk, Fraud Management and Current Issues and Challenges for Digital Financia...
The document discusses various risks faced by digital financial service providers, including strategic risk, regulatory risk, operational risk, technology risk, financial risk, political risk, fraud risk, cybersecurity risk, agent management risk, reputational risk, and partnership risk. For each risk, key questions are provided to help assess the risk and ensure it is properly managed. The document also outlines the risk assessment process and provides an example of how to identify risks in the initial stage of assessment.
The Role of Regulations in the Development of Digital Finance
This presentation focuses on the balancing act between innovation, safety and soundness of digital financial services as well as steps to support consumer protection. It also includes a review of the current guidelines and a checklist format to guide regulators and policy makers to compare their own regulations, policies, environments and supervisory capacity in relation to emerging developments in the field of DFS.
Infrastructure, Access Points & the Development of Digital Financial Ecosyste...
This presentation provides an analysis of the importance of digital infrastructure and ecosystems as well as review the “tipping” points for more rapid uptake and usage of digital financial services.
Overview of Digital Financial Services Landscape
This presentation reviews the digital financial service landscape and is a primer for regulators and policy makers wishing to better understand current market developments.
Alternative Data: Transforming SME Finance
This presentation summarizes the IFC/World Bank/G20 GPFI report on the landscape of alternative data and players that are expanding access to SME finance. This presentation was prepared jointly with the effort of my co-author Lisa Wilhelm. The complete report can be downloaded at https://www.smefinanceforum.org/post/alternative-data-transforming-sme-finance
Alternative Data Transforming SME Finance
Presentation on the paper "Alternative Data Transforming SME Finance" presented at the Global Partnership for Financial Inclusion 2017 forum in Berlin, Germany #GPFI
Special thanks to my co-auithor, Lisa Wilhelm who provided substantial inputs for this paper and presentation.
Tendencias en Servicios Financieros Digitales
Esta presentación fue preparada por el Banco Central de Costa Rica para aprender sobre los nuevos servicios financieros digitales que apoyan la inclusión financiera.
A Roadmap for Mass Adoption of e-Payments in the Philippines
This document outlines a roadmap for mass adoption of e-payment services in the Philippines. It discusses how e-money has driven financial inclusion in other countries through increased access points like agents. Keys to adoption include ease of use, digital literacy, and trusted services. While the Philippines currently has low access points per capita compared to other nations, opportunities exist like shifting government payments to e-payments. The roadmap's vision is for widespread e-payment use through a supportive regulatory system and engaged stakeholders across government, businesses, and consumers. This would yield benefits like cost savings, transparency, and new markets through an expanded e-payment ecosystem and infrastructure.
International Regulatory Practices for Digital Financial Services
The following presentation was shared on April 24, 2015 during an international forum hosed by the National Bank of Belarus entitled "Digital Banking: technology and innovation".
For more information on the event, see http://infobank.by/infolineview/itemid/6800/default.aspx
Moving to the Mainstream - Alternative Financing for MSMEs & Policy Implications
This presentation was provided during the session entitled "Moving Into the Mainstream – Showcase of Alternative Funding Mechanisms for SMMEs " at the ABAC Malaysia - SME Finance Forum
Workshop on Innovative Financing for SMMEs at the
InterContinental Kuala Lumpur, Malaysia on May 21, 2015
How Can Small Island Nations Benefit From Agent Banking
This document discusses agent banking and how it can benefit small island nations. It provides definitions of agent banking and describes different agent models and the basic services they provide. Examples are given of Bangladesh and Brazil where agent banking has expanded access to financial services. The document also summarizes how Solomon Islands benefited from its central bank establishing an enabling environment for agent banking. Key issues around agent selection, operations, oversight and guidelines are outlined.
Innovative Financial Services that support Financial Inclusion in the Pacific...
Presented on May 7, 2015 during the first AFI Pacific Island Regional Initiative (PIRI) meeting of central bank governors in Dili, Timor-Leste
Digital Financial Services for Financial Inclusion
This presentation highlights some of the digital financial service trends, policy and regulatory issues and examples of digital financial services and the role it plays in financial inclusion in various countries in the Asia Pacific region.
This was the opening session of the panel on digital financial services and financial inclusion during the Asia Pacific Regional Forum on Universal Access and Services and Broadband Deployment 2015 in Bangkok, Thailand.
Basic Approaches for Digital Financial Services That Support Financial Inclusion
Learning from legislative and regulatory practices in countries which have successfully launched new digital financial service approaches, as well as maintaining an open dialogue with the private sector are essential for countries wishing to harness digital financial services to advance financial inclusion. This was the theme of the recent AFI-Central Bank of Russia (CBR) workshop entitled Digital Financial Services: Promoting Financial Inclusion, which was held in Moscow in October 2014. http://www.afi-global.org/news-events/network-news/afi-events/digital-financial-services-promoting-financial-inclusion
Financial Inclusion through Mobile Money: Lessons Learned
This presentation was part of a panel discussion during the 6th Mobile Commerce Summit Asia held in Singapore March 19-20, 2013.
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La importancia del de risking y las implicaciones en los sistemas financiero...
La importancia del de risking y las implicaciones en los sistemas financiero...
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Risk, Fraud Management and Current Issues and Challenges for Digital Financia...
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The Role of Regulations in the Development of Digital Finance
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Infrastructure, Access Points & the Development of Digital Financial Ecosyste...
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A Roadmap for Mass Adoption of e-Payments in the Philippines
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International Regulatory Practices for Digital Financial Services
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Moving to the Mainstream - Alternative Financing for MSMEs & Policy Implications
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How Can Small Island Nations Benefit From Agent Banking
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What Lessons Can New Investors Learn from Newman Leech’s Success?
Newman Leech's success in the real estate industry is based on key lessons and principles, offering practical advice for new investors and serving as a blueprint for building a successful career.
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13 Jun 24 ILC Retirement Income Summit - slides.pptx
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
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Poonawalla Fincorp’s Strategy to Achieve Industry-Leading NPA Metrics
Poonawalla Fincorp Limited, under the leadership of Managing Director Abhay Bhutada, has achieved industry-leading Gross Non-Performing Assets (GNPA) below 1% and Net Non-Performing Assets (NNPA) below 0.5% as of May 31, 2024. This success is attributed to a strategic vision focusing on prudent credit policies, robust risk management, and digital transformation. Bhutada's leadership has driven the company to exceed its targets ahead of schedule, emphasizing rigorous credit assessment, advanced risk management, and enhanced collection efficiency. By prioritizing customer-centric solutions, leveraging digital innovation, and maintaining strong financial performance, Poonawalla Fincorp sets new benchmarks in the industry. With a continued focus on asset quality, digital enhancement, and exploring growth opportunities, the company is well-positioned for sustained success in the future.
Budgeting as a Control Tool in Govt Accounting in Nigeria Prof Oyedokun.pptx
Budgeting as a Control Tool in Govt Accounting in Nigeria Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Budgeting as a Control Tool in Government Accounting in Nigeria
Being a Paper Presented at the Nigerian Maritime Administration and Safety Agency (NIMASA) Budget Office Staff at Sojourner Hotel, GRA, Ikeja Lagos on Saturday 8th June, 2024.
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我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
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