Microfinance Presentation for Board Final 2013
-
Upload
bracmf -
Category
Real Estate
-
view
592 -
download
0
Transcript of Microfinance Presentation for Board Final 2013
![Page 1: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/1.jpg)
www.brac.net
BRAC Microfinance Programme
![Page 2: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/2.jpg)
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
![Page 3: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/3.jpg)
www.brac.net
Description of loan productsAverage 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
![Page 4: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/4.jpg)
www.brac.net
Dabi52%
Progoti43%
Migration Loan5%
Portfolio Distribution
Dabi92%
Progoti7% Migration Loan
1%
Borrower Distribution
![Page 5: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/5.jpg)
www.brac.net
Savings
• Regular Passbook Savings• Monthly Deposit Scheme• Double Deposit Scheme • Fixed Deposit Scheme• Monthly Profit Scheme
![Page 6: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/6.jpg)
www.brac.net
Savings portfolio distributionDouble Deposit
16%Fixed
Deposit <1%Monthly Deposit
11%
Monthly Profit <1%
Passbook Sav-ings 72%
![Page 7: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/7.jpg)
www.brac.net
Microfinance at a Glance Bangladesh
Particulars As of October 2013
Loan Portfolio: $ 894 million
Savings: $ 349 million
Members: 5.72 million
Borrowers: 4.38 million
Average Monthly Disbursement: $127 million
Staff: 17,000
![Page 8: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/8.jpg)
www.brac.net
Trend: BRAC MicrofinanceBangladesh
Particulars 2010 2011 2012 2013(as of Oct)
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% 5.9% 6.5%
Operating self sufficiency 118.6% 110.8% 128.3% 135.6%
![Page 9: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/9.jpg)
www.brac.net
De-posits39%
Equity30%
Bor-rowing
31%
Sources of Fund
![Page 10: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/10.jpg)
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
![Page 11: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/11.jpg)
www.brac.net
Innovation
![Page 12: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/12.jpg)
www.brac.net
Capacity for research and development
![Page 13: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/13.jpg)
www.brac.net
New products and services
• Medical loan• Mobile money-based special savings
![Page 14: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/14.jpg)
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)
![Page 15: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/15.jpg)
www.brac.net
![Page 16: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/16.jpg)
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
![Page 17: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/17.jpg)
www.brac.net
Dinajpur Chehelgaji community resources map
Mapping BRAC’s presence at the grassroots
![Page 18: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/18.jpg)
www.brac.net
Plans for 2014 in Bangladesh
• Micro-pensions• Financial education and client protection• BRAC Innovation Fund for Digital
Financial Services
![Page 19: Microfinance Presentation for Board Final 2013](https://reader036.fdocuments.us/reader036/viewer/2022062514/557d222ad8b42a4f498b5397/html5/thumbnails/19.jpg)
www.brac.net
Thank You