Samhita

SAMHITA MICROFINANCE Praseeda Kunam Srijan Microfinance Business Plan Competition Final Round Presentations, July 3 rd , 2008 Economic Initiatives for Life Essentials

Overview ,[object Object],[object Object],[object Object],[object Object]

Entrepreneurs’ Profiles ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Areas of Operation Madhya Pradesh The heart of India

The Identified Problem ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Solution through Samhita Microfinance ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Starting with Economic Services ,[object Object],[object Object],[object Object],[object Object],[object Object]

Target Market and Customer Base ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Microfinance Methodology ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Product Offerings ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Current Microfinance Performance 8 5 3 Branches 19,501,000 9,650,000 9,851,000 Cumulative Disbursement (INR) 15,484,432 7,263,980 8,220,452 Loan Outstanding (INR) 239 120 119 Loan Centers 137 95 42 Villages/Slums 3,054 1,544 1,510 Loan Clients 3,606 1,841 1,765 Members Consolidated Rural Urban (6 months of operations) As of June 30, 2008

MFI SWOT Analysis ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Competition ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Social Impact & Measurement ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Projections – Medium Growth Please insert your logo here 5 year outreach: 1.075 million households Breakeven: Year 3 Full Details in Financial Model

Funding Needed – Medium Growth Equity Requirement – Minimum US$ 5.01 million over 5 years

Indicators The next 3 years will see Samhita Microfinance realizing its mission of serving its clientele with a full range of financial services – productive and social-purpose loans, micro-insurance on livestock, life and health, and money transfer offerings. Current 2008 USD 2010 (Projected) USD Number of Clients 22,250 343,250 Portfolio Size or Turnover 1,977,839 29,292,506 Portfolio growth rate (CAGR) Y1 of Operations 165% Geographical coverage (number of States, or Districts) 6 Districts 40 districts Number of Branches 20 182

Financial Ratios Current 2008 USD 2010 (Projected) USD Operating and administrative expenses/Average Outstanding (%) 44.7% 12.5% Return on Assets (ROA) % -12.8% 1.9% Return on Net worth (RONW) % -106.4% 19.5% Debt to Equity ratio 7.3 9.2 Debt Requirement (USD) 3 Year – USD 27.24 Million Equity Requirement (USD) 3 Year – USD 2.82 Million

Management and Human Resources

Management and Human Resources ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Ongoing Challenges ,[object Object],[object Object],[object Object],[object Object],[object Object]

Micro-Enterprise ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Primary Health Initiative ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Technology ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Microfinance Applications ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

In Conclusion ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Thank You ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Samhita

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Samhita