20060505 microfinance challenges presentation coetzee

Challenges facing the microfinance “industry” in South Africa Gerhard Coetzee 2006 MFSA Conference

Outline ,[object Object],[object Object],[object Object]

Short history ,[object Object],[object Object],[object Object],[object Object],[object Object]

Until 1992 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

1992 to 1999 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

1999 to 2005 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Market ‘growth’ in Rand volume

Assessing MFRC ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

MFRC outcomes, impact ,[object Object],[object Object],[object Object],[object Object],[object Object]

2006 ,[object Object],[object Object],[object Object]

Challenges – Development Finance (“Second economy?”) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Challenges – Asset accumulation ,[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]

African examples  ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Other countries  ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Challenge – Rules and enforcement ,[object Object],[object Object],[object Object],[object Object]

Challenge – Information ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Short term price comparisons 360% 1 month R1,000 Micro-lender 6 336% 1 month R1,000 Micro-lender 2 222% 1 month R1,000 Bank 6 60-360% 30 days R750 13 lenders 360% 1 month R500 Micro-lender 5 2003 MFRC TCOC 259.2% 1 month R500 Micro-lender 1 360% 1 month R100 Micro-lender 4 360% 1 month R100 Micro-lender 3 540-1040% 25-30 days R500 Cash lender 6 360% 1 month R100 Micro-lender 9 640-780% 25-30 days R500 Cash lender 5 336% 1 month R100 Micro-lender 2 360-450% 25-30 days R500 Cash lender 4 264% 1 month R100 Micro-lender 1 360% 30 days R500 Cash lender 3 228% 1 month R100 Bank 6 540-1040% 7-25 days R100-R500 Cash lender 2 APR Term Loan amount Institutions APR Term Loan amount Institutions 2003 2000 Table 9: Comparative Table: Interest Charges by Institutions in 2000 and 2003 (Random Institutions) – Cash Lenders

Longer term price comparisons 198/209 6 R2000 7 lenders 80/105 12 R3000 27 lenders 56/83 24 R8000 21 lenders 70/95 12 R5000 23 lenders 2003 MFRC TCOC 112 12 R5,000 Bank 2 78 6-12 R2,000-R6,000 Term lender 1 209 9 R2,000 Micro-lender 7 287 3-6 R1,500-R3,000 Cash lender 7 147 12 R2,000 Bank 4 153 3 <R6,000 Cash lender 9 98 12 R1,000 Bank 1 57 24 <R9,000 Term lender 2 155 12 R2,000 Micro-lender 8 242 18-24 <R10,000 Cash lender 8 83 12 R5,000 Bank 5 45-88 12 >R2,000 Term lender 3 APR (%) Term (months) Loan amount Institutions APR (%) Term (months) Loan amount Institutions 2003 2000 Table 10: Comparative Table: Interest Charges by Institutions in 2000 and 2003 (Random Institutions) – Term Lenders

20060505 microfinance challenges presentation coetzee

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20060505 microfinance challenges presentation coetzee