TOI Presentation-Microfinance in Afghanistan.

Transforming the world Together, one
life at a time
Welcome to

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1. How it all started
2. Why Microfinance
3. T-O-M
4. Challenges working in a Muslim country
5. Historical Data
6. The Future
7. Opportunities
Over view

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• Early 2008
• Late 2008 to 2010 – Africa
• 2010 - 12.2012 – Afghanistan
• 10.2012 – founded T-O-I
• 1.2013-12.2013 – Kyrgyzstan
• 10.2013 – HFL called
• 1.2014 – Afghanistan – Again
• 9.2012 – Finalize the Buy out
How it all Started

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We believe that Micro-finance is a sustainable way to assist the
poorest economically active people to improve their lives, provide
jobs and livelihood for employees and their families and make a
positive impact in their community as a whole. Our micro-finance
loans and investments allow clients to increase the size of their
businesses through free enterprise and as a result create more
income. With this income they are able to provide better schooling
for their children, better housing for their family, more consistent
food for their family, better healthcare for their family, etc. This is
sustainable positive change that is generated by Free Enterprise.
Why Microfinance?

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• First to implement Business Partnerships in Afghanistan
• September results already show it is highly desirable
• High Quality Personal Service
Loans vs. Business Investment

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T-O-M envisions an Afghanistan where every person
has access to quality financial services and resources
that foster sustainable improvement in their lives;
making a positive impact on this generation and
future generations through the life changing
relationships that T-O-M fosters.
VISION

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T-O-M’s mission is to create economic opportunity for
the poor by putting financial services in the hands of
those able to effectively use them to strengthen their
businesses through free enterprise, and using these
relationships to create impactful and life changing
opportunities to improve lives.
Mission

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American Business Principles
T-O-M has distinguished itself from other organizations by
implementing core American based business principles. The
results are the most efficient and successful business model
in operations today.
• Compassion
• Dedication
• Service
• Encouragement
• Teamwork
• Excellence
• Honestly
• Responsibility
• Accountability
• Respect
• Transparency
• Perseverance

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• Successful American Business Practices as a catalyst to
changing lives
• Strong Commitment to Women owned businesses
• Social Performance and Social Responsibility
• Orphans, Widows, and Disabled Persons
• Transition Home for Orphans
• Job Placement Program
• Business Start up program
• Disaster Relief
• More than a Business – Making a difference in people’s
lives long-term
What is different about T-O-M

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• Over 2,000,000 Orphans in
Afghanistan
• Over 600,000 Children sleep on
the streets every night
Children have no where to go after
being pushed out of the
overcrowded orphanages. T-O-M is
the only organization in Afghanistan
addressing job placement and the
transition of these youth to
adulthood.
ORPHANS
2015 marked the establishment of the first Transition home for Orphans and
the Job placement program. Providing options and HOPE for these youth.

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By helping these women find jobs
and/or start sustainable businesses,
their lives and the lives of their children
are transformed. They are able to get
up each day knowing that today they
can feed their children, they can keep
their families together, and they can
send their children to school instead of
sending them out to the streets. They
now have hope for a future that is
worth living for.
Widows

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Disaster Relief
T-O-M staff are responding to the needs of innocent victims of violence, natural
disasters, and other emergencies. This is compassion in action.

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Video

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Female Client Percentage
58.42%
41.58%
Client Gender Percentage
Male Female

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Historical Data
Loan Portfolio in US Dollars
$286,477.33
$556,497.67 $583,611.72
$794,468.77
$966,630.45 $1,038,733.92
$3,688,589.46
$-
$500,000.00
$1,000,000.00
$1,500,000.00
$2,000,000.00
$2,500,000.00
$3,000,000.00
$3,500,000.00
$4,000,000.00
T-O-M Portfolio (USD)
December-09 December-10 December-11 December-12 December-13 December-14 August-15

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Total Clients 2009 – 8.2015
1,570
2,318 2,444
3,220
3,498
2,463
5,342
-
1,000
2,000
3,000
4,000
5,000
6,000
T-O-M Clients

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Delinquency – Portfolio At Risk
4.83%
1.03%
0.41%
2.68%
0.45%
0.76% 0.74%
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
PAR 30+ 4.83% 1.03% 0.41% 2.68% 0.45% 0.76% 0.74%
PAR 30+
PAR 30+

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Delinquency – Sector
2.15%
0.38%
3.53%
4.48%
2.97%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%
3.50%
4.00%
4.50%
5.00%
FINCA T-O-M Mutahid OXUS Total Sector
Sector PAR>30 MFI's
FINCA
T-O-M
Mutahid
OXUS
Total Sector

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• Fastest Growing Microfinance Organization during
the last 4 quarters
• Strongest Financial Management
• Strongest Performance Management
• Best Performing Portfolio
• The Only MFI in Afghanistan to implement:
• Social Performance Management
• Social Responsibility Programs
• Business Investment Products
• Business Development for Women
Highlights

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• 2007 – 17 MFI’s
• 2012 – First Profitable MFI
• Oxus
• 2010 – 2012 Consolidation/Receivership/Closings
• TODAY - 4 MFI’s
Microfinance in Afghanistan

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• Women’s Rights and the oppression of women
• Not seen as equals
• No right to own property or work outside the home
• Cultural Oppression
• Ethnic challenges
• Class system
• Corruption
• Legal System
• No religious freedom
• Security
Challenges

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• Business Expansion
• Clients
• Portfolio
• Branches
• Social Responsibility
The Future 2016-2018

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Client Outreach
5,942
7,443
9,612
13,768
-
2,000
4,000
6,000
8,000
10,000
12,000
14,000
16,000
December 31 2015 December 31 2016 December 31 2017 December 31 2018
Total Clients
December 31 2015
December 31 2016
December 31 2017
December 31 2018

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Portfolio Growth
$4,639,547
$8,397,364
$12,150,431
$16,734,559
$0
$2,000,000
$4,000,000
$6,000,000
$8,000,000
$10,000,000
$12,000,000
$14,000,000
$16,000,000
$18,000,000
December 31 2015 December 31 2016 December 31 2017 December 31 2018
Total Portfolio
December 31 2015
December 31 2016
December 31 2017
December 31 2018

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• Two New Cities will get T-O-M Programs
• Mazar-e-sharif – the largest northern city
• Heart – the largest western city
Branch Expansion

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Expansion

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• Transition Homes
• Girls Home in Kabul - 2016
• Girls and Boys Homes in Mazar and Herat
• Job Placement
• Programs in Mazar and Herat
• Business Start up
• Disaster Relief
Social Responsibility

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T-O-M has proven that Free Enterprise is the right
approach to making sustainable lasting change in the
lives of the poorest people in the world.
We need help to take this success and expand it, scale
it up, and build upon the foundation that has been
well placed.
We need help to reach more people faster, improve
our ability to deliver an even more positive client
impact, and to expand the business.
Why would T-O-M Need Help?

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• Donations
• Social Programs
• Capital to Sponsor a new branch and reach a
new city, upgrade infrastructure, etc.
• Social Investment with T-O-H (US based holding
Company)
• Subordinate Debt
• Senior Debt
Opportunities to Help

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• Capital - $500,000
• $200,000 - Mazar-e-sharif Branch (CAPEX/OPEX)
• $300,000 – IT systems upgrade, other fixed assets, staff
training, etc.
• In the Form of:
• Donations; or
• Subordinate Debt – Up to $450,000
• Social Investment
• Senior Debt - $1,000,000
• Social Responsibility Donations
• $55,000 – Female Transition Home
• $10,000 – Widow/Disabled Business Start-ups
Budget Gaps 2016

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TOI staff, stakeholders, and shareholders are committed to
sustainable, responsible, life changing, transformational
programs grounded in Free Enterprise and Social
Responsibility. We are committed to the communities we
serve and the people who’s lives we invest time and capital in.
Thank you for taking the time to learn just a little bit about
what TOI programs are doing and who we serve. If you would
like to learn more, visit our programs in person, or get involved,
we would encourage you to contact us at…..
Commitment

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Connect with us
Connect with us:
• www.t-o-i.org
• Facebook
• Twitter
• Google +
• Tumblr
• Linkedin
For more information about social investing and the work we are doing, please
contact David Payne directly at:
david.payne@t-o-i.org

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Thank you
Have a great day
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TOI Presentation-Microfinance in Afghanistan.

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