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29 The main components of direct transaction are: group formation costs, cost of direct administrative activities, and costs of monitoring; indirect transaction costs include allocated fixed costs of the branch office, regional office and head office. 30 Principal Researcher: Prof. Balasubramanian (IFMR) 31 The detailed workings are in process and will be part of the final case study and report. Some of the observations are hypotheses generated and need to be corroborated. 32 Member driven costs vary directly with the addition of members and groups. There are group driven costs like conduct of meetings [two times in a month], travel to number of groups, location of these groups i.e. contiguousness of the two groups etc. Most of the activity costs like travel, etc are group and member driven. 33 Principal Researcher: Shawn Cole (Harvard Business School). Partner Organizations: 27 MFIs across India,CMF intern: Iris Korovesi 34 CMF Research Associate: Rati Tripathi, CMF intern: Sandip Agarwal 35 CMF Research Associate: Amy Mowl , CMF intern: Carissa Page 36 In order to ensure variety within the sample, these stakeholders hailed from different communities in Orissa and represented different perspectives within the microfinance sector. This research was designed as an exploratory study to be followed by further systematic research. 37 "Communications" is not just about showing off an MFI's work (although that's a big part of it); it is also about building long-term, healthy relationships with stakeholders whose actions can have a huge influence on their organization. 166
Ongoing Research References ASA - Grama Vidiyal, 2003 and 2004, “Microfinance Impact Reports, Parts I and II”. EDA Rural Systems, 2005, "The Maturing of Indian Microfinance: Findings of a microfinance assessment study (baseline) -implications for policy and practice", study done for SIDBI, Gurgaon. Duflo, Esther and Annie Duflo. April 2006. "Evaluate microfinance: randomize!" in Eyes on microfinance Issue no. 1. http://ifmr.ac.in/cmf/20060401/evaluating-microfinancerandomize/. Morduch, Jonathan, 1999. "The Microfinance Promise", Journal of Economic Literature, American Economic Association, vol. 37(4), pages 1569-1614, December. Shankar, Savita, 2006, "Transactions Costs in Group Micro Credit in India", IFMR WP Series, Chennai. Tripathi, Rati, and Daniel Radcliffe, Forthcoming, "Sharpening the Debate: Assessing the Key Constraints in Indian Micro Credit Regulation", Centre for Micro Finance, Chennai. SEEP, Undated, “Learning from Clients: Assessment Tools for Microfinance Practitioners”, The Small Enterprise Education and Promotion Washington D.C. AIMS (Assessing the Impact of Microenterprise Services) project funded by USAID, Washington. 167
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Microfinance in India A State of th
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List of Tables Page No Table 2.1 Gr
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Preface and Acknowledgements This r
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Abbreviations ABC ADB BC BF CAR CAG
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CHAPTER 1 Overview and Summary of M
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Overview and Summary of Main Recomm
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1 1a 1b 2 2a 2b 2c 3 3a 3b 3c 4 4a
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The Light and Shades Study A major
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highest proportion of weak records
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their profitability after accountin
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allow the programme to grow organic
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1.0 1.1 1.2 1.3 1.4 1.5 1.6 1.7 1.8
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Endnotes 1 It is very hard to compa
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as cash with the groups, the true r
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linkages", 11 percent 3rd, and 5 pe
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References APMAS (AP Mahila Abhivru
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CHAPTER 3 Progress Under the MFI Mo
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Progress Under the MFI Model is fun
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Table 3.4 Comparative performance i
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Progress Under the MFI Model on lit
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Progress Under the MFI Model 4 Howe
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Progress Under the MFI Model Refere
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MFIs, and the need for MFIs to plou
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size had actually come down during
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The point at which peer group press
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The lack of contact and communicati
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Box 4.1 Continued 4. MFIs will coll
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Endnotes 1 There will be many disag
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19 The base suicide rate in AP is 1
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References APMAS, 2005, "A Report o
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(such as cattle and houses), and co
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The advantage of the provider model
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Some lessons learnt from experience
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Box 5.2 VimoSEWA: Synergies between
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86 Table 5.1 Main Feature of Health
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Endnotes 1 While the microinsurance
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16 A little less than a fifth of th
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29 The rationale for transfer progr
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Roth, James and Vijay Athreye, 2005
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Issues and priorities for action re
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Endnotes 1 See for instance CGAP (2
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100
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such as Chaitanya who soon became s
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money to support operational expens
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finance, and the microfinancial ski
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Box 6.1 Continued in experts and to
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Endnotes 1 In a sense it always was
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16 Examples are Margdarshak in Luck
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Page 118 and 119: Table 7:1 Commercial bank exposure
Page 120 and 121: The main constraints to the expansi
Page 122 and 123: further review, RBI has modified th
Page 124 and 125: 9 Thus ICICI has sold some of its b
Page 126 and 127: B. Equity Investments by the Ventur
Page 128 and 129: Figure : The Bellwether triangle Lo
Page 130 and 131: Despite the weaknesses the public s
Page 132 and 133: Box 7.1 Continued foreign sources o
Page 134 and 135: Endnotes 1 At this point they will
Page 136 and 137: References ACCION, 2003, "The Servi
Page 138 and 139: SIDBI Foundation for Micro Credit (
Page 140 and 141: categories, depending on the amount
Page 142 and 143: The distribution of total disbursem
Page 144 and 145: Endnotes 1 It should be noted that
Page 146 and 147: B. Donor Participation in Indian Mi
Page 148 and 149: this has dropped to 8% on the curre
Page 150 and 151: and poor populations. More directly
Page 152 and 153: and expansion of available retailer
Page 154 and 155: 11 SDC through various programs for
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Page 158 and 159: 1.1 Impact evaluation of Spandana's
Page 160 and 161: in the loan tenure of 24 months. Th
Page 162 and 163: There are two main motivations of a
Page 164 and 165: compensation structures used by Ind
Page 166 and 167: Endnotes 1 By Annie Duflo, Anvesha
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