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Microfinance in India - ITM Study- SPJCM

A study on IT infrastructure for a Microfinace organisation in India

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Microfinance in India - ITM Study- SPJCM

  1. 1. STUDY : IT INFRASTRUCTURE SOLUTIONS FOR MICROFINANCE IN INDIA Presented for Educational Purpose – 2007 by management students of S.P. Jain Center of Management – Dubai / Singapore
  2. 2. Agenda About Microfinance sector SKS – A Microfinance enterprise Business need to application / HW mapping Models Conclusion
  3. 3. MICROFINANCE IN INDIA Practice of providing financial services, such as microcredit, microsavings or microinsurance to poor people Key tool to reduce poverty and promote social development Huge market for MF since India is estimated to have 400 million poor people i.e. one-third of world’s poor Hidden wealth of the poor
  4. 4. SKS Microfinance Launched in 1998 and delivers microfinance through a Grameen (village) banking program that utilizes the joint liability model developed by the Grameen Bank of Bangladesh SKS is one of the fastest growing microfinance organization in the world Achieved 161% growth, with 98% on-time repayment rate for year ending 2006-2007
  5. 5. SKS -Operational and Financial Information ›› Total Clients - 702,545 ›› Total Outstanding - $ 64,640,479  ›› Total Branches - 275 ›› Average Loan Outstanding per Loan Client  – Rs.5163 600000 500000 400000 Total Clients 300000 Year 200000 100000 0 1999 2000 2001 2002 2003 2004 2005 2006 2010
  6. 6. Business need to application / HW mapping Application Portfolio Business Need Hardware Sizing Software/Technology Type Reduce operational cost Increase staff productivity MIS Accountability of funds Structured Applications Generate reports for effective and efficient Business Intelligence / Data Warehouse management Cost- Perfomance Model Create collaborative environment Messaging Application Unstructured Manage small transactions efficiently Smart cards/Handheld Devices Niche
  7. 7. Application Portfolio - MIS
  8. 8. Network Layout
  9. 9. SKS Microfinance – A cost analysis Smart Card $2.4 per card Smart Card Reader $110 per reader 1 Feet officer handle 450 (approx) clients , Total clients 7,03,000 1570 officers needed to the handle the existing number of clients Server: $ 2500 - $ 3100 Entry Level ( Regional Servers ) – IBM $ 17000 - $ 18000 Mid Range ( Central Servers) – IBM Router: $330 per Router – D Link
  10. 10. Conclusion This is the 1st Generation Model. This MF company will be diversifying into Insurance & Savings Bank as well, Therefore we will be needing more bandwidth , processing , MIS and storage capabilities. Therefore this architecture is scalable. We had an alternate choice of going with RELIANCE DATA CENTER in house datacenter works out to be more cost effective over the long run.
  11. 11. THANK YOU ! Presented for Educational Purpose – 2007 by management students of S.P. Jain Center of Management – Dubai / Singapore

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