2. About awamo
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Frankfurt & Kampala (Uganda)
10+ years of Africa experience
Microfinance & credit rating experts
Our goal:
Creating opportunities through access to finance
ANJARWALLA & KHANNA
African Law Firm of the Year 2013
Sponsored by:
4. … result in overseeing Africa’s potential
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5. Typical associations with Africa
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lack of skilled labor
diseases
poverty
corruption
warfare
terrorism
pirates
6. But there is more to it
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promising demographics
leapfrogging technology
improving infrastructure
political stabilization
high GDP
7. Access to finance in sub-Saharan Africa
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80% 15% 5%
Population coverage
banks & credit bureaus
Regulated vs. unregulated
financial institutions
Large portion of the population
excluded from formal financial services
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Mifos-X will provide the
transactional core
Open Source platform for microfinance
• Available on GitHub
• Licensed under the Mozilla Public License
Active developer community
• Highly customizable
• Stateless UI and REST-based API
Key features
• Individual loans, group loans
• Savings accounts
• Basic CRM/KYC functionality
• Reporting functionality
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Technical overview: the platform
Enabling
Biometric
Identities
Scoring
Engine
Accounts Reports
Process Engine Integration
Mobile
Payment
External
Data Source
Mobile
Office (App)
Web
(MIS, CRM)
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The agile startup, ready to roll:
Remember – TIA (This is Africa)
Business processes
• Are defined and aligned with local needs
• Chief Product Officer with broad banking
experience
Software development
• Agile approach, SCRUM-based
• Adopt to new/changing customer
requirements
• Balance perfection and pragmatism
Operations and deployment
• Continuous delivery
• Asset-free hosting (cloud technology)