Emilie levy

Économie & finance Business

LECTURE INTRODUCTION TO MICROFINANCE May 6th, 2009 Emilie Levy, Executive Director

DEFINITION OF MICROFINANCE STAKEHOLDERS MICROFINANCE BEST PRACTICES SUSTAINABILITY AND RISKS SNAPSHOT OF MICROFINANCE TODAY Agenda

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[object Object],Justification and definition of microfinance ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Justification and definition of microfinance FINANCE MICRO ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

[object Object],[object Object],[object Object],[object Object],[object Object],Definition Microfinance is the offer of financial & non-financial services to people excluded from the traditional banking system. The services are adapted to the needs of the target populations

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Introduction to Microfinance: History Yunus’ idea Prof. Muhammed Yunus Founder of the Grameen Bank, Bangladesh

MICROFINANCE INSTITUTIONS (MFIs) (NGO, ASSOCIATIONS & BANKS) Commercial Banks COMMERCIAL BANKS & INVESTMENT FUNDS FOUNDATIONS & DONORS (incl. enterprises) GOVERNMENT & LOCAL BODIES SUPPORT ORANIZATIONS (e.g. PF) BENEFICIARIES Actors & Mechanisms

Regular contact and follow up between the MFI and the client Micro-credit Best practices (1/4 ): microcredit Mrs. Israel needs NIS 1,000 4 Final Repayment 12 weeks later Demand for a 2 nd loan over NIS 1500 to buy a fridge) 2 Purchase of the ingredients Start of cooking & sale (Daily benefits amount NIS 100) 1 Visit of Mrs. Israel to the MFI Meeting wit the Loan Officer Convinced, reception of a loan of NIS 1,000 (+ NIS 30 interest rate ) 3 Weekly Repayment ( 86 NIS) Remaining money is used to buy food

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Microcredit Best Practice (2/4 ) Repayment

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Micro-credit Best practices (3/4 ): Interest Rate

Sustainability: the conceptual framework OUTREACH IMPACT How do we measure the impact? SUSTAINABILITY Why few MFIs are sustainable ? ,[object Object],[object Object]

[object Object],[object Object],[object Object],[object Object],[object Object],Sources : CGAP, BIT, Microcredit Summit, PlaNet Finance Microfinance in the world today

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