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The use of IT in microfinance Finance Forum The World Bank
Thesis ,[object Object],[object Object]
Agenda ,[object Object],[object Object],[object Object],[object Object]
IT can help at two levels: (i) in assessing loans, and (ii) in reaching out to clients ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Outreach has traditionally been built through branches ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Large rural programs, relying on large networks, have received heavy subsidies First soft loan First bond issue Grameen Bank Source : Grameen Bank
Reliance on branch networks constraints growth, in particular in remote areas ,[object Object],[object Object],[object Object]
IT could facilitate the profitable expansion of microfinance programs Source : TowerGroup, 2000
Agenda ,[object Object],[object Object],[object Object],[object Object]
Low connectivity is the main obstacle … Source: Telecommunication Union Data Base
… even for fixed and cellular phones … Source: Telecommunication Union Data Base
… even more so for the poor Source : Central Bank of Brazil
Other obstacles play a more limited role ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Agenda ,[object Object],[object Object],[object Object],[object Object]
Creative solutions have started to emerge in various countries ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Using public infrastructure ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Creating own internet-based IT infrastructure ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Creating own satellite-based IT infrastructure ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Creating own cellular-based IT infrastructure ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Agenda ,[object Object],[object Object],[object Object],[object Object]
The Bank can help ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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Sirtaine (1)

  • 1. The use of IT in microfinance Finance Forum The World Bank
  • 2.
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  • 4.
  • 5.
  • 6. Large rural programs, relying on large networks, have received heavy subsidies First soft loan First bond issue Grameen Bank Source : Grameen Bank
  • 7.
  • 8. IT could facilitate the profitable expansion of microfinance programs Source : TowerGroup, 2000
  • 9.
  • 10. Low connectivity is the main obstacle … Source: Telecommunication Union Data Base
  • 11. … even for fixed and cellular phones … Source: Telecommunication Union Data Base
  • 12. … even more so for the poor Source : Central Bank of Brazil
  • 13.
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  • 17.
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Editor's Notes

  1. Unit Desas: 3600 rural branches of BRI – 16 million depositors - 1984 CrediAmigo: 164 branches – 100,000 clients BancoSol: 33 agencies – 650,000 clients
  2. Unit Desas: 3600 rural branches of BRI CrediAmigo: 164 branches BancoSol: 33 agencies
  3. Unit Desas: 3600 rural branches of BRI CrediAmigo: 164 branches BancoSol: 33 agencies
  4. Parabolic antena
  5. Parabolic antena