2. 2
James Onyutta, Musoni (Kenya)
James Onyutta has 13 years' multinational experience in
micro-finance. He joined Musoni Kenya Limited in
October 2013 as the Chief Executive Officer. He was
previously the Chief Financial Officer of FINCA Uganda
Limited, prior to this James was a key part of a
management team that led the FINCA Tanzania team
towards its transformation into a deposit taking
institution and the launching of FINCA Africa region's first
mobile money channel of payments in Tanzania. James is
a Chartered Accountant and holds a Bachelors Degree in
Business Administration and management from Uganda
Martyrs University.
4. Kilimo Booster
• Targeting small holder
farmers
• Customized to farmers
cashflow
• Flexible repayment terms,
grace periods, accross
variety of the Ag value
chain
4
5. 5
2013 to 2014
Data Analytics
Data Intelligence
Customer relationship
management/Credit reference
6. Kilimo Booster – What does this mean
for Musoni
6
ClienNtEngagement
Key findings through this process
Innovation is more than product improvement; delivery channels, risk management and support service intergration key
Key findings on data collected showed in many cases livestock was held as a risk mitigator, Landsize did not determine a farmers level of productivity but rather innovation was key to productivity
Final product to cover working capital support, asset financing and start up ventures to support expansion, growth and diversification
Credit scoring – Risk based analysis can significantly lower operations costs hence pass this to our clients
Testing and building models around Geographies, Demographics, financial, Social among others
Ability to add Mobile airtime and MM transactions, including social patterns based on mobile information e.g call, sms, mm
Critical to build a history of comparable data in order to identify key segments
Based on risk levels, automate loan process and reduce management time and money in loan underwriting process
Key findings through this process
Innovation is more than product improvement; delivery channels, risk management and support service intergration key
Key findings on data collected showed in many cases livestock was held as a risk mitigator, Landsize did not determine a farmers level of productivity but rather innovation was key to productivity
Final product to cover working capital support, asset financing and start up ventures to support expansion, growth and diversification
Key findings through this process
Innovation is more than product improvement; delivery channels, risk management and support service intergration key
Key findings on data collected showed in many cases livestock was held as a risk mitigator, Landsize did not determine a farmers level of productivity but rather innovation was key to productivity
Final product to cover working capital support, asset financing and start up ventures to support expansion, growth and diversification