Housing Microfinance Impact Assessment: Improving quality ...
Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING...
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Transcript of Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING...
![Page 1: Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE OR SIMPLY CURIOUS ABOUT IT.](https://reader035.fdocuments.us/reader035/viewer/2022062309/5697bfc11a28abf838ca4934/html5/thumbnails/1.jpg)
Designing a Housing Microfinance Loan Product
TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE
OR SIMPLY CURIOUS ABOUT IT
![Page 2: Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE OR SIMPLY CURIOUS ABOUT IT.](https://reader035.fdocuments.us/reader035/viewer/2022062309/5697bfc11a28abf838ca4934/html5/thumbnails/2.jpg)
• What is it?• What is BSP Circular 678?• Why Housing Microfinance for your Bank?
– Crafting Objectives for your bank• MABS Framework for Designing a Housing
Microfinance Product
![Page 3: Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE OR SIMPLY CURIOUS ABOUT IT.](https://reader035.fdocuments.us/reader035/viewer/2022062309/5697bfc11a28abf838ca4934/html5/thumbnails/3.jpg)
“The application of microfinance principles and methodologies to the provision of shelter finance.”*- small loan amounts-alternative forms of collateral-character & cash flow-based lending- regular amortization- short-to longer-term
*/CGAP
![Page 4: Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE OR SIMPLY CURIOUS ABOUT IT.](https://reader035.fdocuments.us/reader035/viewer/2022062309/5697bfc11a28abf838ca4934/html5/thumbnails/4.jpg)
![Page 5: Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE OR SIMPLY CURIOUS ABOUT IT.](https://reader035.fdocuments.us/reader035/viewer/2022062309/5697bfc11a28abf838ca4934/html5/thumbnails/5.jpg)
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![Page 7: Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE OR SIMPLY CURIOUS ABOUT IT.](https://reader035.fdocuments.us/reader035/viewer/2022062309/5697bfc11a28abf838ca4934/html5/thumbnails/7.jpg)
![Page 8: Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE OR SIMPLY CURIOUS ABOUT IT.](https://reader035.fdocuments.us/reader035/viewer/2022062309/5697bfc11a28abf838ca4934/html5/thumbnails/8.jpg)
![Page 9: Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE OR SIMPLY CURIOUS ABOUT IT.](https://reader035.fdocuments.us/reader035/viewer/2022062309/5697bfc11a28abf838ca4934/html5/thumbnails/9.jpg)
• BSP guideline allows up to 15 years to pay a loan for new housing• Requires cash flow analysis
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11
Better Credit HistoryImproved Asset, Shelter &
Home-based EnterpriseStronger
Community & Economy
OUTPUTS
Finally, Housing Microfinance Outputs
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Role Play:•Convince the mock Board of Directors to implement Housing MF in the bank
– Divide participants in 2 groups – one pro and one against– The groups’ output will be presented to a mock Board on
Day 3 • 5 minutes for group consultation• 1st argument presentation – 3 minutes each• 2 Rebuttals – 2 minutes each• Synthesis
![Page 12: Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE OR SIMPLY CURIOUS ABOUT IT.](https://reader035.fdocuments.us/reader035/viewer/2022062309/5697bfc11a28abf838ca4934/html5/thumbnails/12.jpg)
![Page 13: Designing a Housing Microfinance Loan Product TRAINING WORKSHOP FOR BANKS INTERESTED IN OFFERING HOUSING MICROFINANCE OR SIMPLY CURIOUS ABOUT IT.](https://reader035.fdocuments.us/reader035/viewer/2022062309/5697bfc11a28abf838ca4934/html5/thumbnails/13.jpg)
Workshop: Group by bank – Craft your own bank’s objectives for offering HMF loan product
5 – 10 MINUTES
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Thank you!