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MICROFINANCE:  Enabling The Power  of Ideas & Entrepreneurial Energy for the Other Half Vinod Khosla May 2004
Story: 1994
First Inspiration SML
SHARE:  History Source: Company Information 0.07  0.08  0.09  0.09  0.09  0.13    Cost per $ Loan  110% 104% 100% 84% 74% 71%   Financial Self Sufficiency                  18,209,566  10,738,703  6,728,653  4,101,330  2,616,531  1,098,896    Loan Portfolio  81,393,506  43,938,060  25,825,362  13,604,790  7,906,020  3,254,810    Cum Disbursed  36,479,044  20,358,382  12,868,419  6,047,275  4,651,210  1,921,035    Yrly Disbursed  197,722  132,084  85,644  48,868  30,629  14,155    Active Clients                  2003-04 2002-03 2001-02 2000-2001 1999-2000 1998-99    
No. of States-03 No. of districts-20 No. of branches-128 No. Villages- 3000 SML - GEOGRAPHICAL OUTREACH No of  States :  3 No of  Districts : 20 No of  Branches:  108 SML
SHARE: Dreams Source: Company Information 1.1 1.1 1.1 1.1 3.3   Pref. Capital 0.4 0.4 0.7 0.7 0.6   Equity ($ Mil) 112 112 112 110 106   Self Sufficiency (Financial)               101.6 83 64.6 47.3 31.2   Loan Portfolio ($ Mil) 200.1 162.9 126 91.5 59.4   Total Disbursments($ Mil)                             1,028,018 854,762 679,093 505,931 335,757   Active Members               4622 3945 3215 2486 1728   Staff 500 426 346 266 186   Branches               2008-9 2007-8 2006-7 2005-6 2004-5    
TARGET: ,[object Object],[object Object],[object Object],[object Object],[object Object]
Impact:
Impact Study (Bath, Sheffield & Sussex Universities – England) 1 ) 76.8% of the clients experienced significant reduction in their  poverty over the last four years of which; i. 38.4% moved from Very Poor to Moderate Poor ii. 17.6% moved from Very Poor to Not Poor iii. 20.8% moved from Moderate Poor to Not Poor 2) 38.4% are in the Non Poor category. 3) 80% witnessed increase in income levels. 4) Women actively participate in family decisions. 5) Most of the members’ children are being sent to schools. 6) 17 different combinations were used as paths out of poverty. SML
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Prof. Muhammad Yunus, Founder, Grameen Bank
Grameen Foundation, USA’s Partners in India ,[object Object],[object Object],0% 0% 0% 4.44% 2.7% 0% PAR  > 30 Days 25,259,296 483,189 494,654 1,766,496 2,213,363 3,528,145 16,773,450 Portfolio O/S (US$) 104,922,461 1,824,421 1,228,917 5,529,670 11,183,363 14,124,871 71,031,219 Cum Loans Disbursed (US$) 165 4 9 9 17 27 99 Branches 331,581 6,059 9,083 21,946 27,769 68,781 197,943 # of  Active Clients Total SNEHA Grameen Koota SKS CFTS ASA SHARE
GF-USA Results ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Strategic Plan 2004-2008 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
DREAM the DREAMS! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Source: The State of the Microcredit Summit Campaign Report 2003
Remove The Myths ,[object Object],[object Object],[object Object],Source: The State of the Microcredit Summit Campaign Report 2003
Impact Source: The State of the Microcredit Summit Campaign Report 2003
Impact:
Exponential Growth: Source: The State of the Microcredit Summit Campaign Report 2003 41.6 67.6 2572   Dec-02 26.9 54.9 2186   Dec-01 19.3 30.7 1567   Dec-00 13.8 23.6 1065   Dec-99 12.2 20.9 925   Dec-98 7.6 13.5 618   Dec-97 "Poorest" Clients Reached (mil) Clients Reached (Mil) Institutions Reporting    
Exponential Growth: Source: The State of the Microcredit Summit Campaign Report 2003
Economic Basis Source: The State of the Microcredit Summit Campaign Report 2003 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Sustainability ,[object Object],[object Object],[object Object],Source: M-CRIL Microfinance Review 2003
Capitalism Scaled? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Powers of… ,[object Object],[object Object],[object Object],[object Object],[object Object]
Regulation
Securitization: Creating a Secondary Market for Micro-finance
Example: SHARE Securitization ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],Benefits of Commercialization
Do Good , Do Well
Technology’s Role: ,[object Object],[object Object],[object Object],[object Object],[object Object]
Debates? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Lessons From Silicon Valley ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Mix of $ ,[object Object],[object Object],[object Object],[object Object],[object Object]
Comments? [email_address]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Risks of Commercialization
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Risk Mitigation
Goal 1: 5m new clients ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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Microfinance may2004

  • 1. MICROFINANCE: Enabling The Power of Ideas & Entrepreneurial Energy for the Other Half Vinod Khosla May 2004
  • 4. SHARE: History Source: Company Information 0.07 0.08 0.09 0.09 0.09 0.13   Cost per $ Loan 110% 104% 100% 84% 74% 71%   Financial Self Sufficiency                 18,209,566 10,738,703 6,728,653 4,101,330 2,616,531 1,098,896   Loan Portfolio 81,393,506 43,938,060 25,825,362 13,604,790 7,906,020 3,254,810   Cum Disbursed 36,479,044 20,358,382 12,868,419 6,047,275 4,651,210 1,921,035   Yrly Disbursed 197,722 132,084 85,644 48,868 30,629 14,155   Active Clients                 2003-04 2002-03 2001-02 2000-2001 1999-2000 1998-99    
  • 5. No. of States-03 No. of districts-20 No. of branches-128 No. Villages- 3000 SML - GEOGRAPHICAL OUTREACH No of States : 3 No of Districts : 20 No of Branches: 108 SML
  • 6. SHARE: Dreams Source: Company Information 1.1 1.1 1.1 1.1 3.3   Pref. Capital 0.4 0.4 0.7 0.7 0.6   Equity ($ Mil) 112 112 112 110 106   Self Sufficiency (Financial)               101.6 83 64.6 47.3 31.2   Loan Portfolio ($ Mil) 200.1 162.9 126 91.5 59.4   Total Disbursments($ Mil)                             1,028,018 854,762 679,093 505,931 335,757   Active Members               4622 3945 3215 2486 1728   Staff 500 426 346 266 186   Branches               2008-9 2007-8 2006-7 2005-6 2004-5    
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  • 9. Impact Study (Bath, Sheffield & Sussex Universities – England) 1 ) 76.8% of the clients experienced significant reduction in their poverty over the last four years of which; i. 38.4% moved from Very Poor to Moderate Poor ii. 17.6% moved from Very Poor to Not Poor iii. 20.8% moved from Moderate Poor to Not Poor 2) 38.4% are in the Non Poor category. 3) 80% witnessed increase in income levels. 4) Women actively participate in family decisions. 5) Most of the members’ children are being sent to schools. 6) 17 different combinations were used as paths out of poverty. SML
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  • 16. Impact Source: The State of the Microcredit Summit Campaign Report 2003
  • 18. Exponential Growth: Source: The State of the Microcredit Summit Campaign Report 2003 41.6 67.6 2572   Dec-02 26.9 54.9 2186   Dec-01 19.3 30.7 1567   Dec-00 13.8 23.6 1065   Dec-99 12.2 20.9 925   Dec-98 7.6 13.5 618   Dec-97 "Poorest" Clients Reached (mil) Clients Reached (Mil) Institutions Reporting    
  • 19. Exponential Growth: Source: The State of the Microcredit Summit Campaign Report 2003
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  • 25. Securitization: Creating a Secondary Market for Micro-finance
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  • 28. Do Good , Do Well
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