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Bermudez managing risks in rural finance

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Microfinance Council
Microfinance Council
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Joey A. Bermudez Chairman, Maybridge Financial Group Managing Risks in Rural Finance A Value Chain Perspective
The ultimate risks in rural finance are the risks that: (a) exposures may not be recovered and/or (b) exposures may not be properly priced. Both events will render the lending activity unprofitable in the short run and unsustainable in the long run.
Lessons from the past ,[object Object],[object Object],[object Object],[object Object]
Manageable Risks in Rural Finance Strong Value Chains Failed value chains “actualize” risks Credit enhancements and maverick structures are myopic solutions. Weak value chains turn off supply. The truth and nothing but the truth
Weak Value Chains ,[object Object],[object Object],[object Object]
The impact of the environment ,[object Object],[object Object],[object Object],[object Object]
Risk appetite, skills and infrastructure ,[object Object],[object Object],[object Object],[object Object]
Recommendations ,[object Object],[object Object],[object Object]
Recommendations ,[object Object],[object Object]
Recommendations ,[object Object],[object Object],[object Object],[object Object],[object Object]
Alcoy Coffee Project CHMI Agro-Forest Development Corporation Strong Value Chains: Example
 

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Bermudez managing risks in rural finance

  • 1. Joey A. Bermudez Chairman, Maybridge Financial Group Managing Risks in Rural Finance A Value Chain Perspective
  • 2. The ultimate risks in rural finance are the risks that: (a) exposures may not be recovered and/or (b) exposures may not be properly priced. Both events will render the lending activity unprofitable in the short run and unsustainable in the long run.
  • 3.
  • 4. Manageable Risks in Rural Finance Strong Value Chains Failed value chains “actualize” risks Credit enhancements and maverick structures are myopic solutions. Weak value chains turn off supply. The truth and nothing but the truth
  • 5.
  • 6.
  • 7.
  • 8.
  • 9.
  • 10.
  • 11. Alcoy Coffee Project CHMI Agro-Forest Development Corporation Strong Value Chains: Example
  • 12.