Business Communication

Presented By:-Ankur Keshari & Shaiffali Arora

What is Micro FinanceProviding very poor families with very

small loans.

Financial products targeted at low-income

clients.

Give right to invest according to their own

priorities.

Amount can be between Rs. 5,000 to Rs.

10,000.

Encourage them for saving their future.

Refers to loans, saving, insurance, and

other financial services

Sector in which Micro Finance works

Micro Finance

Clients of Micro Finance

Mainly persons who don’t have stable source of

income.

Low income persons with no access to financial

institutions.

70% of Indians living in villages needs financial

support.

Especially self employed or house hold

entrepreneurs.

Even in urban areas small shop keepers and service

providers.

Main difficulty in Micro Finance

Evaluate the credit worthiness of

the client

Expenses incurred are same for

low amount loans

Personnel and Resources

required are also same.

Competition

Consultative Group to Assist the Poor

(CGAP)

Asian Development Bank

Dell Foundation

Grameen Bank

NABARD (National Bank for Agriculture

and Rural Development)

Services Offered In Micro Finance Sector

Short Term loans

Micro Insurance

Savings Account Facility

Money Transfer System

Repeat Loans

Relative Unrestricted uses

Areas of Investment

Basically Rural areas are best part to start

India has a population of 110 crore and

70% of the population lives in rural areas.

India is 4th largest economy in purchasing

power & 10th most industrialised country

In India, about 50.35% GDP come from

rural areas

Micro Finance will success in India

Well developed banking system

Skilled knowledge work force

Easy Trade and Investment Policy

functioning

Retail Market is expected to grow

at the rate of 18% annually

Thank You