Microfinance Presentation 2013

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Information about Microfinance Presentation 2013
Finance

Published on February 27, 2014

Author: bracworld

Source: slideshare.net

Description

Innovative, client focused and sustainable, the BRAC microfinance programme is a critical component of our holistic approach to support livelihoods. Over the course of the last four decades, we have grown to become one of the world’s largest providers of financial services to the poor, providing tools which millions can use for the betterment of their lives.

BRAC Microfinance Programme www.brac.net

Outline • Update on 2013 performance • Innovation – New financial products and services – Financial inclusion and integration – Research and information systems • Upcoming initiatives – “One BRAC” – Innovation Fund for Digital Financial Services www.brac.net

Description of loan products Average loan size Loan term Repayment mechanism Major uses of loans Dabi $275 12 months Equal weekly/monthly installments Small operations in poultry, livestock, vegetable cultivation, handicrafts and rural trade Progoti $2,200 12 or 18 months Equal monthly installments Working capital for shops, agricultural businesses and small manufacturing Migration loan $2,300 12, 18, or 24 months First month no installment, Increasingly over time Financing outgoing migrants’ costs, migrants’ families well being www.brac.net

www.brac.net

Savings • • • • • Regular Passbook Savings Monthly Deposit Scheme Double Deposit Scheme Fixed Deposit Scheme Monthly Profit Scheme www.brac.net

Savings portfolio distribution www.brac.net

Microfinance at a Glance Bangladesh Particulars Loan Portfolio: Savings: Members: Borrowers: Average Monthly Disbursement: Staff: As of October 2013 $ 894 million $ 349 million 5.72 million 4.38 million $127 million 17,000 www.brac.net

Trend: BRAC Microfinance Bangladesh 2012 2013 (as of Oct) Particulars 2010 2011 Portfolio (Mil) $ 534 $ 644 $773 $894 Savings (Mill) $ 243 $ 272 $ 320 $349 Disbursement (Mil) $ 899 $ 1,052 $1,250 $1,270 PAR (>30 days) 10.3% 7.9% Operating self sufficiency 118.6% 110.8% 5.9% 128.3% 6.5% 135.6% www.brac.net

www.brac.net

Microfinance at a Glance BRAC International Portfolio (USD, mil) Members Borrowers Avg. Monthly disbursement (USD, mil) Branch Offices Pakistan 8.1 65,000 58,000 1.6 78 Sri Lanka 9.2 81,000 68,000 1.3 87 Tanzania 20 131,000 101,000 3.8 112 Uganda 22 161,000 127,000 4.5 130 Sierra Leone 2.8 26,000 20,000 0.48 29 Liberia 2.3 25,000 13,000 0.38 25 www.brac.net

Innovation www.brac.net

Capacity for research and development www.brac.net

New products and services • Medical loan • Mobile money-based special savings www.brac.net

Integration and inclusion • Partnership with the Center for Rehabilitation of the Paralyzed • Skills training for village organization members’ children • Youth savings product for members of kishori clubs (Adolescent Development Programme) www.brac.net

www.brac.net

Research and information • Understanding clients’ behavior and needs – Financial diaries – MIS-based analyses to be followed by field studies (with Cambridge University) • Improving data systems through increased GIS information and cross-program sharing initiatives www.brac.net

Mapping BRAC’s presence at the grassroots Dinajpur Chehelgaji community resources map www.brac.net

Plans for 2014 in Bangladesh • Micro-pensions • Financial education and client protection • BRAC Innovation Fund for Digital Financial Services www.brac.net

Thank You www.brac.net

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