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Introduction To Microcredit And Microfinance

A quick look at the history of microcredit/microfinance and my internship with the First MicroBank in Pemba, Mozambique.

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Introduction To Microcredit And Microfinance

  1. 1. An Introduction to Microcredit and Microfinance<br />Presentation to the Rotary Club of Oakville<br />Peter Nakamura<br />June 17, 2009<br />
  2. 2. Agenda<br />Introduction<br />What is microcredit and microfinance?<br />Microfinance today<br />My experience in Mozambique<br />How can you get involved?<br />Q&A<br />
  3. 3. Introduction<br />Born and raised in Kobe, Japan<br />Moved to Oakville, Ontario in 1999<br />Graduated from Appleby College in 2005<br />Graduated from Queen’s University with a degree in business in 2009<br />
  4. 4. Whatismicrocredit?<br />“<br />The extension of small loans to low-income clients who traditionally lack access to banking.<br />”<br />
  5. 5. Muhammad Yunus<br />
  6. 6. Muhammad Yunus<br />Mohammad Yunus receiving the Nobel Peace Prize in 2006. <br />
  7. 7. Benefits of microcredit<br />What are the benefits?<br />Inclusion of the poor into the financial system.<br />Access to loans can open up numerous opportunities such as starting a business, improving housing conditions, or purchasing an asset.<br />Lower interest rates compared to local moneylenders.<br />Dignity and self respect of employment.<br />Goes beyond the traditional concept of development aid as a “handout”.<br />Opportunity for education and community development.<br />
  8. 8. Microcredit v. Microfinance<br />Microfinance<br /><ul><li> Savings
  9. 9. Money transfer services
  10. 10. Insurance</li></ul>Microcredit<br />(i.e. Loans)<br />
  11. 11. Microfinance today<br />The industry has been growing rapidly with $25 billion currently at work in microfinance loans.<br />Microfinance Institutions (MFIs) are now offering a diverse array of products from savings to insurance.<br />Improved oversight and transparency.<br />Greater focus on improving the customer experience.<br />
  12. 12. Fellowship in Mozambique<br />Selected as a International Microfinance and Microenterprise Fellow by the Aga Khan Foundation Canada in May, 2009.<br />After a month-long training seminar, was placed in Pemba, Mozambique with the First Microcredit Programme for an 8-month internship.<br />
  13. 13. Mozambique<br />
  14. 14. Pemba, Mozambique<br />
  15. 15. Pemba, Mozambique<br />
  16. 16. The First MicroBank – Mozambique<br />
  17. 17. Projects and responsibilities<br />Developing a loan officer training program.<br />Assisting with the transformation of the microcredit program into an official bank.<br />Reviewing and suggesting improvements for various processes within the bank.<br />Setting up and managing the bank’s network and database.<br />Helping to prepare the bank’s annual business plan.<br />
  18. 18. Loan officer training<br />
  19. 19. My colleagues<br />
  20. 20. Our clients<br />
  21. 21. Our clients<br />
  22. 22. Our clients<br />
  23. 23. How can you get involved?<br />
  24. 24. How can you get involved?<br />Learn more!<br />Consultative Group to Assist the Poor<br /> (www.cgap.org) <br />Microfinance Gateway<br /> (www.microfinancegateway.org)<br />miX Market (Microfinance Information Exchange)<br /> (www.mixmarket.org) <br />
  25. 25. How can you get involved?<br />Donate!<br />ACCION<br /> (www.accion.org) <br />FINCA<br /> (www.finca.org)<br />Aga Khan Agency for Microfinance<br /> (www.akdn.org/akam.asp)<br />BRAC<br /> (www.brac.net) <br />
  26. 26. www.kiva.org<br />
  27. 27. Thank you!Any questions?<br />Peter Nakamura<br />peter.nakamura@gmail.com<br />905.849.0856<br />