3. Target group Destitute 10 million households Urban (26%) Rural (74%) Upper Poor 70 million households ($1-$2/day PPP) Very Poor 80 million households (up to $1/day PPP) Medium farmers to small entrepreneurs who have some consistent source of enterprise income or work. Landless daily laborers with no assets to small farmers and micro-entrepreneurs who have some income generating assets (livestock, land, sewing machine). Families with no daily source of income Employed poor such as housemaids and industrial laborers to small entrepreneurs who have some consistent source of enterprise income or work. Daily laborers with no assets to micro-entrepreneurs who have some income generating assets (e.g., vegetable cart, cycle rickshaw). All are characterized by not having a consistent income source. Families with no daily source of income Indian Credit Market from Poor’s Point of View

6. Service Framework: The Missing Pieces Integrated Microfinance Financial and Non-financial services Minimalist Microfinance Missing Piece – Credit Financial Intermediation Working Capital Asset Purchase Social Intermediation Financial Literacy Leadership Co-operation Business Development Marketing Production Training Competitor Analysis Preparatory BDS Setting of Business Activity Capacity Building Support

8. … .BUT MFIs ARE NOT ABLE TO SCALE TO LARGE NUMBERS

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