Business Communication

Presented By:-
Ankur Keshari & Shaiffali Arora
 What is Micro Finance
 Providing 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