TAILIEUCHUNG - Lecture Micro financing & micro leasing - An Introduction: Lecture 10

Lecture 10 - Challenge 4: Building the industry. A flourishing inclusive finance sector requires supporting conditions and cooperation among players. Direct providers-banks, finance companies, insurance companies-prefer to enter markets that have a certain amount of industry “infrastructure.” | FOUR CRITICAL CHALLENGES IN THE BOP MARKET Summary of Last Lecture Challenge 2: Reducing the Cost of Small, Dispersed Transactions Challenge 3: Managing Informality Risk Managing Informality Risk Nothing will suspend motivation faster than interrupted access. I recently learned of an African bank that began a small pilot microloan program. Managing Informality Risk As loans were repaid, they were not renewed, on the grounds that the loan capital set aside for the poor should be spread to as many people as possible— a typical charity-based intuition. Managing Informality Risk Clients got wind that the first loan would be the only loan. Repayments plummeted, and the bank dropped the pilot. The second insight is about cost-effective risk management. Managing Informality Risk Because loans are small, one default does not matter. This concept allows loans to be made with very simple assessment and documentation procedures, reducing underwriting costs. Managing Informality Risk What does .

• Ngân hàng - Tín dụng
• Micro financing
• Micro leasing
• Purchasing power
• Global market
• Managing informality risk
• Building the industry
• Bank financing
• Lease option contracts
• Financing inclusive finance
• Debt deals
• Bank loans
• ARGOZ’s lease option contracts
• Microfinance background
• Microfinance defined
• Short term profits
• Inclusive finance
• Microfinance tndustry
• Microfinance growing
• Risks of microfinance
• Average consumer
• Financial services
• Major corporations
• Informal finance providers
• Microfinance institutions
• Consumer lenders
• Understanding the clients
• The bop market
• Reducing the cost of small
• Products for the bop market
• Designing effective Products
• Renewable energy loans
• Building the market
• Housing finance
• Health insurance
• Corporate choices
• Champions of inclusive finance
• Social responsibility positioning
• New technology
• Human resources
• Conservative corporate culture
• Models of downscaling
• Commercial banks
• Service company models