Capacity Building Of Mfis In India - The Fwwb Perspective
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Role of an Apex Institution towards building the capacities of MFIs in India
A FWWB Presentation
Vision and Mission
Vision: A society based on equity and social justice where women are active partners in holistic development.
Mission: Providing financial and capacity building services to organizations promoting livelihoods and self reliance of poor women
FWWB - Focus Primary focus of FWWB is Institution Building and Sector Development. Identifying & nurturing those organizations which has a clear mandate of serving the poor women who are excluded by Financial Institutions . Building the capacities of community based organizations to ensure gender mainstreaming.
FWWB - Strategy
FWWB strategy- CB support with Loan Funding Strategy has been in form of Loan and Grant Support (Capacity Building, Operational Deficit of new initiatives and Support during disaster)
FWWB’S OUTREACH
Cumulative:
Loan fund of 4750.5 million INR Reached to more than 1.03 million women of low income households
341 NGO/MFIs partners
Current:
Rs.1746.23 million outstanding 112 NGO/MFIs in 14 states
Portfolio - State wise Breakup (as on September 30, 2007)
Region
No of Partners
Outreach
Portfolio Outstanding (Million INR)
SOUTH
38
362,800
1122.10
EAST
40
119,200
404.88
WEST
34
61,400
219.25
TOTAL
112
543,400
1746.23
Trends in Partners’ Growth 6
No of partners
5 4 G P to ID ID to B ig
3 2 1 0 2005
2006
2007
years Category wise capacity building inputs provided : General Partners: Basics of accounting, Financial analysis (ratio analysis),MIS and exposure to best practices ID Partners: Strategic Business Planning, Portfolio Risk Management, Capital re-structuring, Strategic Positioning Product, Statutory Auditor’s training
Trends in MF
In last 3 years FWWB’s focus has been to reach the unreached/underserved regions for geographic spread of sustainable micro finance. There is an emerging trend of startup MF organizations managed by professionals which are more focused in their goals and have a potential to scale up fast However in underserved regions the startup organizations lack capability and adequate capital to manage mf operations. In the initial years the learning curve is not very steep and in the initial years the rate of scaling up is very slow. So as our strategy we would like to nurture such partners through focused and intense capacity development and loan assistance.
Capacity Building Inputs
Capacity Building 3 years (2004- Sept.07) 53.1 million INR. Technical trainings Exposure visits Workshops/summits/conferences TAV (Technical Assistance Visits). Infrastructure Support Micro-insurance linkages LEAD (Livelihood & Enterprise Development) Program
Rationale - Innovation Project Effective innovation direct impact reduction of poverty resulting to improved quality of life. Innovation in terms of:
Product Methodology Approach
– delivery model.
Innovation Project (contd…)
8 organizations supported in span of 3 years Fund outlay of 7.2 million INR
Issues addressed:
Food security & sustainable Income generation. Skill training and income generation Empowering adolescent girls of minority community through education and skill enhancement. Emergency health fund – social security net. Elimination of bonded child labor through bridge course Microenterprise promotion by community using locally available resources.
FWWB- Niche
FWWB’s comparative advantage lies in demonstrated ability to identify small promising MFIs, develop them with funding and Technical, assistance and graduate them to a stage where they have the systems and the capacity to become a sustainable financial institution. (CGAP)
New Initiative - LEAD Operational Model
LEAD PO PO
PO PO Training, Raw material Procurement Allied Support Services
Financial Support
LEAD PO
LEAD PO
Market Linkage Support, Product Design, Certification
• LEAD – Livelihood and enterprise development • PO – Partner Organizations
Next Step - LEAD
Good response from partner organizations – LEAD fills a gap not fulfilled by present product offering. Plan to regularize LEAD from the current pilot status. Requirement to create long term relationship because of prolong gestation period of enterprise promotion activities.
FWWB – Current Focus
Research linked Micro Finance interventions developing a distinct North-East strategy considering unique challenges & opportunities. Issues related to Urban Micro Finance - FWWB to organize National consultation to understand urban microfinance in its myriad forms. FWWB encourages partner organizations to offer other financial services like:
Micro-insurance schemes Pension plans, Enterprise loans, Livelihood promotion, Education loans, Home renovation/ improvement loans.
THANK YOU!
A FWWB Presentation
Vision and Mission
Vision: A society based on equity and social justice where women are active partners in holistic development.
Mission: Providing financial and capacity building services to organizations promoting livelihoods and self reliance of poor women
FWWB - Focus Primary focus of FWWB is Institution Building and Sector Development. Identifying & nurturing those organizations which has a clear mandate of serving the poor women who are excluded by Financial Institutions . Building the capacities of community based organizations to ensure gender mainstreaming.
FWWB - Strategy
FWWB strategy- CB support with Loan Funding Strategy has been in form of Loan and Grant Support (Capacity Building, Operational Deficit of new initiatives and Support during disaster)
FWWB’S OUTREACH
Cumulative:
Loan fund of 4750.5 million INR Reached to more than 1.03 million women of low income households
341 NGO/MFIs partners
Current:
Rs.1746.23 million outstanding 112 NGO/MFIs in 14 states
Portfolio - State wise Breakup (as on September 30, 2007)
Region
No of Partners
Outreach
Portfolio Outstanding (Million INR)
SOUTH
38
362,800
1122.10
EAST
40
119,200
404.88
WEST
34
61,400
219.25
TOTAL
112
543,400
1746.23
Trends in Partners’ Growth 6
No of partners
5 4 G P to ID ID to B ig
3 2 1 0 2005
2006
2007
years Category wise capacity building inputs provided : General Partners: Basics of accounting, Financial analysis (ratio analysis),MIS and exposure to best practices ID Partners: Strategic Business Planning, Portfolio Risk Management, Capital re-structuring, Strategic Positioning Product, Statutory Auditor’s training
Trends in MF
In last 3 years FWWB’s focus has been to reach the unreached/underserved regions for geographic spread of sustainable micro finance. There is an emerging trend of startup MF organizations managed by professionals which are more focused in their goals and have a potential to scale up fast However in underserved regions the startup organizations lack capability and adequate capital to manage mf operations. In the initial years the learning curve is not very steep and in the initial years the rate of scaling up is very slow. So as our strategy we would like to nurture such partners through focused and intense capacity development and loan assistance.
Capacity Building Inputs
Capacity Building 3 years (2004- Sept.07) 53.1 million INR. Technical trainings Exposure visits Workshops/summits/conferences TAV (Technical Assistance Visits). Infrastructure Support Micro-insurance linkages LEAD (Livelihood & Enterprise Development) Program
Rationale - Innovation Project Effective innovation direct impact reduction of poverty resulting to improved quality of life. Innovation in terms of:
Product Methodology Approach
– delivery model.
Innovation Project (contd…)
8 organizations supported in span of 3 years Fund outlay of 7.2 million INR
Issues addressed:
Food security & sustainable Income generation. Skill training and income generation Empowering adolescent girls of minority community through education and skill enhancement. Emergency health fund – social security net. Elimination of bonded child labor through bridge course Microenterprise promotion by community using locally available resources.
FWWB- Niche
FWWB’s comparative advantage lies in demonstrated ability to identify small promising MFIs, develop them with funding and Technical, assistance and graduate them to a stage where they have the systems and the capacity to become a sustainable financial institution. (CGAP)
New Initiative - LEAD Operational Model
LEAD PO PO
PO PO Training, Raw material Procurement Allied Support Services
Financial Support
LEAD PO
LEAD PO
Market Linkage Support, Product Design, Certification
• LEAD – Livelihood and enterprise development • PO – Partner Organizations
Next Step - LEAD
Good response from partner organizations – LEAD fills a gap not fulfilled by present product offering. Plan to regularize LEAD from the current pilot status. Requirement to create long term relationship because of prolong gestation period of enterprise promotion activities.
FWWB – Current Focus
Research linked Micro Finance interventions developing a distinct North-East strategy considering unique challenges & opportunities. Issues related to Urban Micro Finance - FWWB to organize National consultation to understand urban microfinance in its myriad forms. FWWB encourages partner organizations to offer other financial services like:
Micro-insurance schemes Pension plans, Enterprise loans, Livelihood promotion, Education loans, Home renovation/ improvement loans.
THANK YOU!
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