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Lecture Micro financing & micro leasing - An Introduction: Lecture 3

In this chapter, the following content will be discussed: Size of the microfinance industry, why is microfinance growing? what are the risks of microfinance? The benefits of private-sector engagement in inclusive finance, benefits from the private sector, the road to inclusive finance. | Summary of Last Lecture The Benefits of Private-Sector Engagement in Inclusive Finance Benefits from the Private Sector The Road to Inclusive Finance Size, Risk & Growth in the Microfinance Industry Size of the Microfinance Industry During 1995 and 1996 the Sustainable Banking with the Poor Project compiled a worldwide inventory of MFIs. The list included nearly 1,000 institutions that provided microfinance services, reached at least 1,000 clients, and had operated for a minimum of three years. Size of the Microfinance Industry From this inventory, more than 200 institutions responded to a two-page questionnaire covering basic institutional characteristics. Size of the Microfinance Industry According to the survey results, by September 1995 about US$7 billion in outstanding loans had been provided to more than 13 million individuals and groups. In addition, more than US$19 billion had been mobilized in 45 million active deposit accounts. Size of the Microfinance Industry The . | Summary of Last Lecture The Benefits of Private-Sector Engagement in Inclusive Finance Benefits from the Private Sector The Road to Inclusive Finance Size, Risk & Growth in the Microfinance Industry Size of the Microfinance Industry During 1995 and 1996 the Sustainable Banking with the Poor Project compiled a worldwide inventory of MFIs. The list included nearly 1,000 institutions that provided microfinance services, reached at least 1,000 clients, and had operated for a minimum of three years. Size of the Microfinance Industry From this inventory, more than 200 institutions responded to a two-page questionnaire covering basic institutional characteristics. Size of the Microfinance Industry According to the survey results, by September 1995 about US$7 billion in outstanding loans had been provided to more than 13 million individuals and groups. In addition, more than US$19 billion had been mobilized in 45 million active deposit accounts. Size of the Microfinance Industry The general conclusions of the inventory were: Commercial and savings banks were responsible for the largest share of the outstanding loan balance and deposit balance. Size of the Microfinance Industry Credit unions represented 11 percent of the total number of loans in the sample and 13 percent of the outstanding loan balance. NGOs made up more than half of the sample, but they accounted for only 9 percent of the total number of outstanding loans and 4 percent of the outstanding loan balance. Size of the Microfinance Industry Sources of funds to finance loan portfolios differed by type of institution. NGOs relied heavily on donor funding or concessional funds for the majority of their lending. Banks, savings banks, and credit unions funded their loan portfolios with client and member deposits and commercial loans. Size of the Microfinance Industry NGOs offered the smallest loan sizes and relatively more social services than banks, savings banks, or credit unions. Credit unions and banks are