Microfinance Presentation 2013
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Innovative, client focused and sustainable, the BRAC microfinance programme is a critical component of our holistic approach to support livelihoods. Over the course of the last four decades, we have grown to become one of the world’s largest providers of financial services to the poor, providing tools which millions can use for the betterment of their lives.
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Microfinance Presentation 2013
- 2. Outline • Update on 2013 performance • Innovation – New financial products and services – Financial inclusion and integration – Research and information systems • Upcoming initiatives – “One BRAC” – Innovation Fund for Digital Financial Services www.brac.net
- 3. Description of loan products Average loan size Loan term Repayment mechanism Major uses of loans Dabi $275 12 months Equal weekly/monthly installments Small operations in poultry, livestock, vegetable cultivation, handicrafts and rural trade Progoti $2,200 12 or 18 months Equal monthly installments Working capital for shops, agricultural businesses and small manufacturing Migration loan $2,300 12, 18, or 24 months First month no installment, Increasingly over time Financing outgoing migrants’ costs, migrants’ families well being www.brac.net
- 4. www.brac.net
- 5. Savings • • • • • Regular Passbook Savings Monthly Deposit Scheme Double Deposit Scheme Fixed Deposit Scheme Monthly Profit Scheme www.brac.net
- 7. Microfinance at a Glance Bangladesh Particulars Loan Portfolio: Savings: Members: Borrowers: Average Monthly Disbursement: Staff: As of October 2013 $ 894 million $ 349 million 5.72 million 4.38 million $127 million 17,000 www.brac.net
- 8. Trend: BRAC Microfinance Bangladesh 2012 2013 (as of Oct) Particulars 2010 2011 Portfolio (Mil) $ 534 $ 644 $773 $894 Savings (Mill) $ 243 $ 272 $ 320 $349 Disbursement (Mil) $ 899 $ 1,052 $1,250 $1,270 PAR (>30 days) 10.3% 7.9% Operating self sufficiency 118.6% 110.8% 5.9% 128.3% 6.5% 135.6% www.brac.net
- 9. www.brac.net
- 10. Microfinance at a Glance BRAC International Portfolio (USD, mil) Members Borrowers Avg. Monthly disbursement (USD, mil) Branch Offices Pakistan 8.1 65,000 58,000 1.6 78 Sri Lanka 9.2 81,000 68,000 1.3 87 Tanzania 20 131,000 101,000 3.8 112 Uganda 22 161,000 127,000 4.5 130 Sierra Leone 2.8 26,000 20,000 0.48 29 Liberia 2.3 25,000 13,000 0.38 25 www.brac.net
- 12. Capacity for research and development www.brac.net
- 13. New products and services • Medical loan • Mobile money-based special savings www.brac.net
- 14. Integration and inclusion • Partnership with the Center for Rehabilitation of the Paralyzed • Skills training for village organization members’ children • Youth savings product for members of kishori clubs (Adolescent Development Programme) www.brac.net
- 15. www.brac.net
- 16. Research and information • Understanding clients’ behavior and needs – Financial diaries – MIS-based analyses to be followed by field studies (with Cambridge University) • Improving data systems through increased GIS information and cross-program sharing initiatives www.brac.net
- 17. Mapping BRAC’s presence at the grassroots Dinajpur Chehelgaji community resources map www.brac.net
- 18. Plans for 2014 in Bangladesh • Micro-pensions • Financial education and client protection • BRAC Innovation Fund for Digital Financial Services www.brac.net
Notas do Editor
- Regular passbook (“own savings”)—compulsory; 5% at the time of dispursement, minimum of 200 per month; 6%, technically could take it out anytime Special savings team Monthly deposit scheme—working towards a target Double deposit—principle doubles; put it in once, get double after 7 Fixed deposit—fixed interest rate; one year Monthly profit scheme—getting interest every month
- Add the table here
- Political situation usually leads to higher PAR because harder to collect installments; write offs take effect in june and december—when we do the write off in december, it should be under 5.9%. Ideal PAR 5.6 for dabi 4.6 for progoti
- We have acquired a finance company in Sri Lanka and our portfolio from the NGO is being transferred there; becoming a regulated financial institution Now have 4 staff on the ground in Myanmar, hoping to start disbursements in February 2014
- 1/3 of MF borrowers default because of medical reasons; borrow $$ from other sources at an extorbitant rate…..better if they take a loan from us Tk 3-50k Tell your PO/BM, I’m sick, need to go to the doctor; referral slip to BRAC hospital (Rangpur). Based on MD’s assessment, we make the payout. End of Oct 36 loans Will expand to more emergency-care loans. Will also expand to ~50 BRAC clinics; panel doctors