Microfinance Overview The Experience of ACCION International Rosalind Copisarow Senior Vice Presiden - PowerPoint PPT Presentation
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Microfinance Overview The Experience of ACCION International Rosalind Copisarow Senior Vice Presiden
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Pioneering microlending for more than 40 years ... Creating microfinance 'boutique banks' Converting NGOs into regulated institutions ... – PowerPoint PPT presentation
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Title: Microfinance Overview The Experience of ACCION International Rosalind Copisarow Senior Vice Presiden
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Microfinance Overview The Experience of ACCION
International Rosalind CopisarowSenior Vice
PresidentIstanbul, December 12, 2005
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Overview of ACCION
- Pioneering microlending for more than 40 years
- Leading voice in microfinance best practices
regulatory policy - Staff of over 60 microfinance experts -
one of largest in the world - ACCION Network world renowned microfinance
institutions
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ACCIONs Services
- Extending debt and equity financing to MFIs
- Helping commercial banks launch MF operations
- Providing direct technical support
- Creating microfinance boutique banks
- Converting NGOs into regulated institutions
- Advising governments on microfinance policy /
training regulators in microfinance
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ACCIONs Approach
- Selective partnerships within each country
/region - Long-term relationships with MFIs
- Frequent accompanying investment
- Combined strategic and operational advice
/support services - Access to ACCION Partner Network / best practices
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Where ACCION Works
30 Affiliates in 22 countries, plus U.S.
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Trends in Microfinance
- Credit methodology
- Groups/village lending Individual loans
- Credit terms
- 50 25,000 loan sizes
- Products and Services
- Enterprise Credit Consumer credit,
leasing, savings, insurance, remittances, etc. - Geographic outreach
- Mainly urban urban plus rural
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How is Microfinance Different fromSME and
Consumer Lending?
- Specific client market
- Large outreach/scale
- Branch staff close to clients
- Tailored products and services
- Specialized credit policies and procedures
- Intensive use of technology
- Distinctive organizational structure requirements
- Specific risk characteristics
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How Have MFI Players Evolved?
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MFI Players Today
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Evolution of Funders and Service Providers
- Donors
- Lenders
- Investors
- Rating Agencies
- Credit Bureaus
- Regulators and Supervisors
- Consultants in MF Strategy, Products, Technology
- Donors
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The Way Forward Partnership Banking
- Use of partnerships, cost-sharing arrangements
and other legal forms, to achieve optimal - Source of loan officers
- Ownership of branches
- Back office processing
- Provision of capital
- Acceptance of risk
- Responsibility for product development
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Next Steps
- ACCION is committed to supporting Turkeys
banking sector to engage in microfinance on an
ethical but business basis - We will be presenting a number of alternative
options to commercial banks this week, with a
view to entering into a long-term partnership
agreement - We look forward to bringing global best practices
to Turkey and offering its banks both social and
financial returns
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