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2 S AKCHYAM A CCESS TO F INANCE Challenge Fund Co-Investment Leverage 3 S AKCHYAM A CCESS TO F INANCE Challenge Fund


  1. 2 S AKCHYAM A CCESS TO F INANCE

  2. • • Challenge Fund • • • Co-Investment • Leverage • • • • • • • • • • • • • • • • 3 S AKCHYAM A CCESS TO F INANCE

  3. • • Challenge Fund • • • • Co-Investment • Leverage • • • • • • • • • • • • • • • • • • 4 S AKCHYAM A CCESS TO F INANCE

  4. • • Challenge Fund • • • • Co-Investment • Leverage • • • • • • • • • • • • • • • • • • • • • • 5 S AKCHYAM A CCESS TO F INANCE

  5. • • Challenge Fund • • • • • Co-Investment • Leverage • • • • • • • • • • • • • • • • • • • • • • • • • 6 S AKCHYAM A CCESS TO F INANCE

  6. S AKCHYAM A CCESS TO F INANCE

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  12. 600 548.8 159.4 500 160 127.5 400 110 300 200 149.4 60 30.9 29.2 55.4 100 33.4 10 0 Borrower's Growth % Savers' Growth % Interest Income Growth % Interest Expense Growth % -40 2016 2017 2016 2017 13 S AKCHYAM A CCESS TO F INANCE

  13. • • • Status as of July Status as of July Status as of July Status as of 14th Jan Indicators 2015 2016 2017 2018 Poush end 2074 9,098 13,711 21,318 26,365 6,023 9,114 14,586 16,945 59 92 144 181 172 175 162 144 19,269,499 58,600,736 151,910,412 219,903,280 242,928,655 431,650,768 878,697,635 1,083,524,380 402,999,507 63,358,408 118,082,960 86,506,820 8,461,131 13,946,546 39,348,587 39,899,320 1.14% 1.16% 1.82% 3.70% 115.34% 118.35% 114.69% 106.72% 14 S AKCHYAM A CCESS TO F INANCE

  14. Several instances of over indebtedness through multiple borrowing Inadequate financial literacy initiatives Missing linkage for enterprise development and training Loan repayments were not aligned with client’s cash flows Ineffective credit information sharing mechanism Over indebtedness resulting into increased delinquency Practices of passing on bad clients to other MFIs; claiming on the money as soon as the bad client receives a loan from another MFI Decline in OSS due to increased cost of fund and increased delinquency 15 S AKCHYAM A CCESS TO F INANCE

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  17. 80,000 Overdue Borrowers 29% 49% Total Borrowers 1,800,000 70,000 1,600,000 60,000 1,400,000 50,000 1,200,000 1,000,000 40,000 800,000 30,000 600,000 20,000 400,000 200,000 10,000 - - 2014 July 2015 July 2016 July 2017 December 2014 July 2015 July 2016 July 2017 December 600,000 2,500 Trend of Group and Centres Growth Trend of MFI Branch Business 500,000 2,000 400,000 1,500 300,000 1,000 200,000 500 100,000 - Number of Per Branch Per branch Centres Per Branch Groups - Branches Member Total Number of Centres Total Number of Groups 2014 July 2015 July 2016 July 2017 December 2014 July 2015 July 2016 July 2017 December 18 S AKCHYAM A CCESS TO F INANCE

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  23. Mexico Indonesia 24 S AKCHYAM A CCESS TO F INANCE

  24. • India • Azerbaija Azerbaijan n 25 S AKCHYAM A CCESS TO F INANCE

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