86 items | 6 visits
Notes and links to social finance project
Updated on Sep 17, 12
Created on Jul 20, 10
Category: Business & Finance
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Jonathan Sync's List: Social Finance
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Jun 10, 11
I find it hard to concisely sum up my work and interests, mainly because they are so varied. However if -
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Apr 27, 11
ired from the RBI to enable the provision of microfinance services in a more measured way is permission to provide deposit services. This is not a call to realise the RBI’s nightmare and open the floodgates for all and sundry to collect deposits and disappear into the sunset with the savings of the poor. What is needed is for the RBI to put into place rules that will enable NBFC MFIs with the most capable managements to provide deposit services to micro-clients.
This will have a cooling effect on these MFIs in two ways. First, it will subject them to a gamut of prudential regulation and intensive supervision not applicable to credit-only institutions, increasing their regulatory obligations without appearing to be unduly heavy handed. Second, perhaps more importantly, it will alter the relationship between the MFI and its clients away from the present mono-culture of working capital financing. Adding the dimension where the MFI is also partly dependent on service to the client for generating deposits that contribute to financing its operations will result in a more balanced MFI-client relationship than exists today. -
Feb 04, 11
On overl apping networks
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hard to gauge a charity’s impact when its main activities consist of free (or heavily subsidized) technical assistance. Even if we had all the information we want about the partner MFIs themselves, we’d still need to understand the extent to which help with business planning or product design made a difference to them.
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As of December 2009, there were 91 active MIVs with total assets under management of US$6.2 billion. MIV growth slowed for the third consecutive year, easing to 25% in 2009, from 34% in 2008 and 86% in 2007. MIV fixed income returns eased to 3.9% at the end of 2009, representing significant declines of around two percentage points compared with 2008. For the first time, significant loan loss provisions were recorded (two percent of the direct debt microfinance portfolio) to cover the risk of defaults of distressed MFIs.
Cash positions have also reached a record level at 17% due to the lack of viable investment opportunities. In addition, MIV income is declining, as the more competitive environment is pushing interest rates down and MIV average net portfolio yields have sunk to an historically-low level at 7.9%.
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Dec 28, 10
Group Recognition Test (GRT) explained.
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The great attraction of loan write-offs just before elections is that unlike most government programmes, they get to the intended person, fast — the bank just takes your loan off its books and it is done. This is also why an embattled chief minister might want to tell his constituents that they no longer need to repay their 'unjust' microfinance loans
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