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The Microfinance Gateway site was down for a short time over the weekend. It's back up and running and we apologize for the inconvenience!
--- In MicrofinancePractice@yahoogroups.com, "Meyer, Richard" <meyer.19@...> wrote:
>
> This also gave me an invalid response from an upstream server. Dick
>
>
> -----Original Message-----
> From: MicrofinancePractice@yahoogroups.com [mailto:MicrofinancePractice@yahoogroups.com] On Behalf Of microfinancegateway@...
> Sent: Friday, May 3, 2013 9:38 AM
> To: MicrofinancePractice@yahoogroups.com
> Subject: [MFP] Series on the Universal Standards for Social Performance Management
>
> Don't miss the Microfinance Gateway's six-part series on essential practices for MFIs pursuing a double bottom line. The series offers insights on the recently released set of new tools and guidance on essential practices for microfinance social performance management.
>
> http://www.microfinancegateway.org/p/site/m/template.rc/1.26.22552/
>
>
>
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> ------------------------------------
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> WARNING! If you hit REPLY, your message will go to the entire listserve, not just the original author!Yahoo! Groups Links
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Hi,
Enclosing publication on " status of microFinance 2012-13" brought out by NABARD for year ended March 2013. The complete publication can be accessed from NABARD webpage (www.nabard.org). Click the link for details
https://www.nabard.org/english/ShowPg.aspx?file=ODI=
https://www.nabard.org/english/allpublication.aspx
Though the focus of the report has been on SHG-Bank Linkage programme, it also covers details of bank lending to mFIs, which is also captured in the mandatory returns furnished by banks. *
Rds
Suran
(*The data complied in this document is based on the returns submitted by participant banks in the format prescribed by Reserve Bank of India).-------------------------------------------------------------
B.S.Suran402, NABARD HouseBandra Kurla Complex, Bandra (E)Mumbai - 400 051
twitter : suranbsPlease don't print this e-mail unless you really need to.
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Hi,
Enclosing publication on " status of microFinance 2012-13" brought out by NABARD for year ended March 2013. The complete publication can be accessed from NABARD webpage (www.nabard.org). Click the link for details
https://www.nabard.org/english/ShowPg.aspx?file=ODI=
https://www.nabard.org/english/allpublication.aspx
Though the focus of the report has been on SHG-Bank Linkage programme, it also covers details of bank lending to mFIs, which is also captured in the mandatory returns furnished by banks. *
Rds
Suran
(*The data complied in this document is based on the returns submitted by participant banks in the format prescribed by Reserve Bank of India).
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This also gave me an invalid response from an upstream server. Dick
-----Original Message-----
From: MicrofinancePractice@yahoogroups.com [mailto:MicrofinancePractice@yahoogroups.com] On Behalf Of microfinancegateway@ymail.com
Sent: Friday, May 3, 2013 9:38 AM
To: MicrofinancePractice@yahoogroups.com
Subject: [MFP] Series on the Universal Standards for Social Performance Management
Don't miss the Microfinance Gateway's six-part series on essential practices for MFIs pursuing a double bottom line. The series offers insights on the recently released set of new tools and guidance on essential practices for microfinance social performance management.
http://www.microfinancegateway.org/p/site/m/template.rc/1.26.22552/
------------------------------------
WARNING! If you hit REPLY, your message will go to the entire listserve, not just the original author!Yahoo! Groups Links
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Please check. This link gave me a response from an invalid server. Otherwise please send me the list to meyer.19@osu.edu. Dick
-----Original Message-----
From: MicrofinancePractice@yahoogroups.com [mailto:MicrofinancePractice@yahoogroups.com] On Behalf Of microfinancegateway@ymail.com
Sent: Tuesday, July 16, 2013 10:53 AM
To: MicrofinancePractice@yahoogroups.com
Subject: [MFP] The Gateway Guide: Mid-Year Review 2013
This week we're featuring 15 of the most popular publications in the Gateway library for the first half of 2013. What are some of your favorites so far this year? Share your thoughts by leaving a comment below, or join us on Twitter @MFGateway.
Check out the list: http://goo.gl/TFwNq
------------------------------------
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It seems my last message did not go through completely.
--------------------------------------------------------------------------------------------------
If You Give the Poor Cash, Does it Help?
Jun 2013, Blattman, C., Fiala, N., & Martinez, S.
Mictrofinance Gateway
http://www.microfinancegateway.org/p/site/m/template.rc/1.1.19344/
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2268552
World Bank Paper
http://siteresources.worldbank.org/INTHDOFFICE/Resources/5485648-1332253705502/Evidence2Policy-Uganda.pdf
Analyzing the impact of unsupervised cash grants on young adults in Uganda
This study evaluates the impact of a program by the Government of Uganda, in which it gave young men and women cash grants to start skilled trades outside of agriculture. The study was conducted four years after the grants were provided.
According to the government program, young adults aged 16 to 35 in the country’s northern region were eligible for grants. The young adults had to make small groups and submit proposals for grants. Only 265 grants were available for 535 eligible groups, and those that weren’t granted, were selected as control groups for the study. Findings include:
The paper concludes that long-term solutions should address the root problem of inadequate access to cheap finance for small business development.
OTHER WEB SITES ON THE SAME SUBJECT:
Cash, Cows And The Rise Of Nerd Philanthropy
Planet Money
http://www.npr.org/blogs/money/2013/08/23/214875696/cash-cows-and-the-rise-of-nerd-philanthropy
Ending Poverty by Giving The Poor Money
The New York Times Sept. 26 2013
http://economix.blogs.nytimes.com/2013/06/20/ending-poverty-by-giving-the-poor-money/?_r=0
Want to Help People? Just Give Them Money
Harvard Business review, Jacquelline Fuller 4 April, 2013
http://www.hbritalia.it/component/k2/item/990-want-to-help-people#.UkXjjfjzaM8
http://blogs.hbr.org/2013/03/want-to-help-people-just-give/
For Fighting Poverty, Cash Is Surprisingly Effective
BloombergBusinessWeek
http://www.businessweek.com/articles/2013-06-03/for-fighting-poverty-cash-is-surprisingly-effective
The Best and Simplest Way to Fight Global Poverty
Proof that giving cash to poor people, no strings attached, is an amazingly powerful tool for boosting incomes and promoting development.
http://www.slate.com/articles/business/moneybox/2013/05/unconditional_cash_transfers_giving_money_to_the_poor_may_be_the_best_tool.html
End poverty by giving the poor cash?
http://chrisblattman.com/2013/06/20/end-poverty-by-giving-the-poor-cash/
Dear governments: Want to help the poor and transform your economy? Give people cash
http://chrisblattman.com/2013/05/23/dear-governments-want-to-help-the-poor-and-transform-your-economy-give-people-cash/
MSNBC Anchor’s ‘Easy’ Solution to Ending Poverty: ‘Giving People Money’
“Giving people money. It’s actually that easy.”
http://www.theblaze.com/stories/2013/05/12/msnbc-anchors-easy-solution-to-ending-poverty-giving-people-money/
Just give money: Can cash transfer schemes end poverty?
The Guardian, UK
Instead of relying on an expensive aid industry, it is better to transfer money and resources directly to poor households so they can find the most effective ways to escape poverty, argues Armando Barrientos
http://www.theguardian.com/katine/katine-chronicles-blog/2010/jun/29/just-give-money-cash-transfers
The Simplest Way To End Poverty Might Be To Just Give Money Away
Conditional cash transfer programs--which give cash rewards for things like getting vaccinations or enrolling kids in school--might sound like free money, but evidence is mounting about their effectiveness.
The genius of conditional cash transfers is that they are immune from the attack of merely being 'hand-outs.'
If we are unwilling to accept the multifaceted nature of extreme poverty, our responses to it are doomed to come up short.
http://www.fastcoexist.com/1680670/the-simplest-way-to-end-poverty-might-be-to-just-give-money-away
Chris Hayes' 'Easy' Solution To Poverty: Give People Money!
http://newsbusters.org/blogs/mark-finkelstein/2013/05/12/chris-hayes-easy-solution-poverty-give-people-money#ixzz2e6kRhJyt
How much would it cost to end extreme poverty in the world?
http://www.visionofearth.org/economics/ending-poverty/how-much-would-it-cost-to-end-extreme-poverty-in-the-world/
The Eight Most Common Myths about Wealth, Poverty, and Free Enterprise
http://blog.tifwe.org/myths-of-poverty-wealth-free-enterprise/
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If You Give the Poor Cash, Does it Help?
Jun 2013, Blattman, C., Fiala, N., & Martinez, S.
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2268552
Analyzing the impact of unsupervised cash grants on young adults in Uganda
This study evaluates the impact of a program by the Government of Uganda, in which it gave young men and women cash grants to start skilled trades outside of agriculture. The study was conducted four years after the grants were provided.
According to the government program, young adults aged 16 to 35 in the country’s northern region were eligible for grants. The young adults had to make small groups and submit proposals for grants. Only 265 grants were available for 535 eligible groups, and those that weren’t granted, were selected as control groups for the study. Findings include:
The paper concludes that long-term solutions should address the root problem of inadequate access to cheap finance for small business development.
OTHER WEB SITES ON THE SAME SUBJECT:
Cash, Cows And The Rise Of Nerd Philanthropy
http://www.npr.org/blogs/money/2013/08/23/214875696/cash-cows-and-the-rise-of-nerd-philanthropy
Ending Poverty by Giving The Poor Money
The New York Times Sept. 26 2013
http://economix.blogs.nytimes.com/2013/06/20/ending-poverty-by-giving-the-poor-money/?_r=1
Want to Help People? Just Give Them Money
http://blogs.hbr.org/2013/03/want-to-help-people-just-give/
End poverty by giving the poor cash?
http://chrisblattman.com/2013/06/20/end-poverty-by-giving-the-poor-cash/
MSNBC Anchor’s ‘Easy’ Solution to Ending Poverty: ‘Giving People Money’
“Giving people money. It’s actually that easy.”
http://www.theblaze.com/stories/2013/05/12/msnbc-anchors-easy-solution-to-ending-poverty-giving-people-money/
Just give money: Can cash transfer schemes end poverty?
Instead of relying on an expensive aid industry, it is better to transfer money and resources directly to poor households so they can find the most effective ways to escape poverty, argues Armando Barrientos
http://www.theguardian.com/katine/katine-chronicles-blog/2010/jun/29/just-give-money-cash-transfers
The Simplest Way To End Poverty Might Be To Just Give Money Away
Conditional cash transfer programs--which give cash rewards for things like getting vaccinations or enrolling kids in school--might sound like free money, but evidence is mounting about their effectiveness.
The genius of conditional cash transfers is that they are immune from the attack of merely being 'hand-outs.'
If we are unwilling to accept the multifaceted nature of extreme poverty, our responses to it are doomed to come up short.
http://www.fastcoexist.com/1680670/the-simplest-way-to-end-poverty-might-be-to-just-give-money-away
Chris Hayes' 'Easy' Solution To Poverty: Give People Money!
http://newsbusters.org/blogs/mark-finkelstein/2013/05/12/chris-hayes-easy-solution-poverty-give-people-money#ixzz2e6kRhJyt
How much would it cost to end extreme poverty in the world?
http://www.visionofearth.org/economics/ending-poverty/how-much-would-it-cost-to-end-extreme-poverty-in-the-world/
The Eight Most Common Myths about Wealth, Poverty, and Free Enterprise
http://blog.tifwe.org/myths-of-poverty-wealth-free-enterprise/?gclid=COy3w9DHtrkCFQ9eQgodDFUAvQ
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SMDP Tanzania November 11-22 A Deep Dive into M4P and ProPoor Value Chain Development
A Conversation about the Value Chain Development and Agricultural Finance Track at the SMDP Tanzania with facilitators Ann Gordon and Richard Pelrine
Register Now:
http://carseyinstitute.unh.edu/smdp/tanzania
SMDP Coordinator Bill Maddocks recently sat down with Ann Gordon, MEDA Senior Consultant/Project Manager, Private Sector Development – Agriculture and Richard Pelrine, Technical Director for INSPIRED International who will be facilitating the Value Chain Development and Agricultural Finance Track at the SMDP Tanzania to talk about what students will be learning in the two week track.
________________________________________________________________________________
Bill:
Ann, MEDA has been involved in helping small holder farmers develop more productive farms and get their products to markets for several years. Can you talk about how that approach has matured over the past several years and how questions of scale and sustainability have influenced the way MEDA approaches this work?
Ann:
We partner with the private sector, small farmers, donors and investors to design and deploy scalable, replicable business solutions that enable small farmers to profitably and sustainably supply their good to buyers in local, regional and global markets. MEDA operates in over 50 countries, has 300 staff worldwide and the impact of our work reached 43 million families, last year alone.
Bill:
Ann, there at least a couple different approaches to this work which MEDA calls Pro-Poor Value Chain and Enterprise Development. There is what is known as the Value Chain Approach and also the M4P (Making Markets Work for the Poor) approach. In the up-coming Pro-Poor Enterprise and Value Chain Development (PPEVCD) course we are jointly offering in Arusha you will explore both of these approaches. Can you briefly describe the differences between these two approaches and what participants will learn about them in your course in Tanzania?
Ann:
The main area of difference between these two approaches is in the focus which M4P places on change attributions within institutions and market systems – especially when looking at the other sectors and influences that are affecting the targeted value chain. Therefore the frameworks used to analyze and design programs are different, yet the methods used in market research and facilitation, as well as, ultimate goals can be quite similar. The course in Tanzania will primarily concentrate on the tools and frameworks used in the value chain approach, which in the pro-poor context does take into account a broader scope in the market system including: enterprise/farm performance; horizontal and vertical relationships; enabling environment for business (cultural, social, policy, regulatory, macro & micro economic forces); leadership and entrepreneurship; and support products and services. The M4P orientation will be very basic and is intended to be introductory in order to create an awareness of these comparative approaches in the industry. Some methods presented and practiced during the course are quite transferable in both approaches, especially those that will be covered in the area of market systems research.
Bill:
Rich, you have several years of direct experience in agricultural finance. What seems to be the biggest constraint keeping potential lenders and investors from investing in smaller but promising and profitable and farmers?
Richard:
Good question. I would say that there are two, not one, major constraints--these are 1) ability to analyse and manage risk and 2) critical mass. First, lenders avoid lending to businesses they don't understand. Either training lenders to understand concepts such as value chain financing or presenting the lender with opportunities where the risk management is already carefully planned normally overcomes this reluctance. Even having a risk neutral loan opportunity, however, is not enough if the number of borrowers is few or the amount to be loaned is small. Entering a new market for a lender requires systems, trained human resources, policies and knowledge of the market. Few lenders will undertake this operational investment unless the number and value of loans justify it.
Bill:
Rich, while your agricultural financing work has not focused specifically on poverty alleviation what are the most useful concepts in the M4P approach that would appeal to the typical stakeholders that you work with to put together a financing deal.
Richard: Another good question. M4P is wonderfully comprehensive in its view toward enabling markets. It takes an active attitude of "crowding in" a private sector approach versus trying to replace the private sector with donor funded or public sector quick fixes. For a lender to analyse and manage risk, critical policies and tools must be available and functioning such as: enforceable contracts between buyers and sellers, rules for arbitration, collateral registration, etc., which are usually reserved for urban, high value markets. M4P can and does approach markets by identifying shortcomings and then by resolving them, enabling the private sector to treat any borrower the same. Further, funded M4P interventions frequently use "smart" subsidies such as making small grants for a percentage of the value of productive assets if the grantees use their own equity and borrow the balance from a lender. This and other smart subsidies can "crowd in" commercial players and form long term commercial relationships lasting long after the subsidy is forgotten.
Ann and Rich, we are offering a two week track that brings together fairly comprehensive approaches to assist small scale agricultural enterprises. If you think of the cross section of firms you have both worked with, who do you see as benefiting from what we are offering in the Arusha workshop and what one or two most important concepts do you expect participants to take away from your individual courses and the entire two week track?
Ann: Those who would benefit from my course include: project managers and coordinators, value chain or value chain finance officers, livelihoods specialists and agriculture development advisors who are involved in implementing or facilitating value chain and private-sector development, M4P projects, economic empowerment and growth programs that target poor producers and entrepreneurs. The most valuable concepts from Week One (PPEVCD) will be the market research techniques and value chain analysis, both of which have strong application in the value chain and M4P approaches.
Richard: Beginning with a strong basis of understanding commercial linkages along a value chain, which will certainly be realized through attending the first week, development practitioners and finance specialists will be well placed to take maximum advantage of a curriculum designed to drive out practical financing strategies that are proven to build private sector finance and help rural people move out of poverty.
Register today at :
http://carseyinstitute.unh.edu/smdp/tanzania
Registration Deadline:
October 11, 2013
MasterCard Foundation Microfinance Scholars Program Application Deadline:
October 4, 2013
SMDP Tanzania Marketing Partners, Sponsors and Funders
Agricultural Review Online
http://www.agriculturalreviewonline.com/
Savings Revolution.org
http://savings-revolution.org/
The MasterCard Foundation
http://www.mastercardfdn.org/Projects/the-mastercard-foundation-scholars-program
VSL Associates
http://www.vsla.net/
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