Bottlenecks in Microfinance

Bottlenecks in Micro Finance : 

Bottlenecks in Micro Finance Hemantha Kumar Pamarthy

Major Bottle Necks : 

Major Bottle Necks Access Capacity Finance Gender Institution Policy Social Scale Standards Technology Analyse to resolve

Bottle Neck - Access : 

Bottle Neck - Access Knowledge Literacy Resources Markets Need to facilitate better Access

Bottle Neck - Capacity : 

Bottle Neck - Capacity Beneficiaries Communications Human Resources Livelihoods Need to Build Capacity

Bottle Neck - Financial : 

Bottle Neck - Financial Donations – Grants / Subsidies Banks – Promoters Borrowing – Lending Issues Credit Skewed Interest – Returns Inclusion Lack of adequate products Multi-lending / Credit Pollution Slipping repayment rates Sustainability Developing, but need more

Bottle Neck - Gender : 

Bottle Neck - Gender Oppression Opportunities Restricted Gender Training badly needed

Bottle Neck – Institutional : 

Bottle Neck – Institutional Governance Infrastructure Procedures Professionalism Sustainability Transformation Work-flow Institutional development - need of the hour

Bottle Neck – Policy : 

Bottle Neck – Policy Inaccessible Savings Legalities Regulatory Issues Taxation concessions Review of Policies

Bottle Neck – Social : 

Bottle Neck – Social Caste Political Interference Religious Issues Positive changes expected

Bottle Neck – Scaling : 

Bottle Neck – Scaling Growth Scaling Organic, Width and depth

Bottle Neck – Standards : 

Bottle Neck – Standards Performance Standards Mission Alignment Social Objectives Financial Standards Operational Self Sufficiency (OSS) Financial Self Sufficiency (FSS) - Quality of Assets Good On-Time Repayment Rates (OTRR) etc. Organisations to develop positively

Bottle Neck – Technological : 

Bottle Neck – Technological Accounting MIS Reach Transactions Sector to catch up on developments

Grateful Acknowledgements To : 

Grateful Acknowledgements To All of you Dr. N. Jeyaseelan, Hand in Hand Policy Notes # ISSN 1656-5266 of Philippine Institute for Development Studies “Is the Promise being fulfilled?... Microfinance in the Philippines, Status, Issues and Challenges” by Gilberto M. Llanto “Regulatory bottleneck for microfinance institutions” by Debadutta K Panda “Microfinance Design” by Sendhil Mullainathan http://www.idrc.ca/en/ev-115786-201-1-DO_TOPIC.html http://www.fao.org/sd/2002/PE0401a_en.htm http://infochangeindia.org/200510065947/Micro-credit/Backgrounder/Micro-Credit-Background-Perspective.html http://ec.europa.eu/europeaid/where/acp/regional-cooperation/microfinance/capacity-building/index_en.htm

Slide 14: 

Thank You