Hey guys. I wouldn't like group fin services much either, although we are often unbeknownst to ourselves part of groups (think insurance and investment products). Groups can have broader benefits too, more than just financial. I have seen lots of examples of fin groups being used for delivery of social services, agricultural extension services, community actions (esp. climate resilience). I believe we should be financial systems activist (i.e., focus not only institutions but the whole development service environment) and that it is incumbent upon us to lay out a sound progression of sustainable services for folks graduate to different kinds of needs.
Just my nickel thought for this morning .
Marc de Sousa Shields
From: MicrofinancePractice@yahoogroups.com <MicrofinancePractice@yahoogroups.com>
Sent: Wednesday, August 8, 2018 1:20 PM
To: MicrofinancePractice@yahoogroups.com
Subject: Re: [MFP] Loan Tracking Software on Microfinance Practice
Thank you Srini, and (if only to prove that I am still alive, just) I was thinking to pose more or less the same questions to the (surely not moribund) group myself.
You and I and other readers (if there are any) don't get our financial services through a group, indeed I and most of us would I believe fiercely resent it if our banks or whatever demanded that we do so, so why should we expect anyone else to get them that way ?
'Because they are poor', is I suppose the answer, but it's not altogether satisfactory....
And, in the same direction, looking at the experience of my friends in Somalia, if financial services are to be delivered through communication businesses, why shouldn't those businesses provide the financial services themselves, rather than merely acting as a channel for them ?
Malcolm
From: "'N. Srinivasan' shrin54@yahoo.co.in [MicrofinancePractice]" <MicrofinancePractice@yahoogroups.com>
To: "MicrofinancePractice@yahoogroups.com" <MicrofinancePractice@yahoogroups.com>
Sent: Wednesday, 8 August 2018, 17:50
Subject: Re: [MFP] Loan Tracking Software on Microfinance Practice
Good move Howard. We might revive discussions in this 'once vibrant' forum.
I would like to offer some questions for discussion to get some perspectives from the colleagues here.
Dear Friends,
How relevant are group based models of lending that had dominated microfinance for three decades? Are we seeing more of individualisation of services and to what extent of digitalisation of services is driving this? Do we think moving away from group based models is a positive development? How will women be impacted if services, especially credit, are addressed at individuals?
Best regards
N.Srinivasan
On 08-Aug-2018, at 3:32 PM, 'Howard Brady' hbrady@mfiresources.org [MicrofinancePractice] <MicrofinancePractice@yahoogroups.com> wrote:
Hi All,
Some of you will remember that in the past at least one, if not several, Loan Tracking Software providers abused this forum's freedom of expression and as such we asked this group to refrain from posting messages advertising their software solutions. As moderators, we decided that we needed to approve all messages before they were distributed to the group to prevent viruses (attachments) and achieve compliance with this policy. As such, many of you will notice that your postings to the group are delayed somewhat until they are approved by either Chuck when he emerges from his farm life or me.
Seeing a renewed interest of communication from some of you, and understanding that there may be several (hundred?) on this group who may still be active and interested in the challenges that MFIs face, and one of them being the challenge of loan tracking software, I'm going to take a risk here in reopening this forum to discussions on loan tracking systems and their vendors for the month of August 2018. I would ask that vendors (and others) refrain from posting messages with file attachments, and if you choose to post a message, keep it to about 300-400 words, (one printed page) describing in general your software, which will include contact information and websites for follow-up later. Please do not over-promise and under-deliver. Please do not post fake favorable reviews of your software. Please be kind and respectful of others in your postings.
For those reading the posts that come, I hope you're patient over the next three weeks with the postings from software vendors if it is not in an area of interest. And feel free to contribute a question or issue that you think should be discussed. I imagine that many discussions have migrated to other forums, but I'm happy to continue this forum as long as it's useful to the microfinance community.
Thanks,
Howard Brady
MFP Moderator
Posted by: "Marc de Sousa Shields" <mdess@esglobal.com>
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