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Microfinance Information Exchange Microfinance Data What is it, how can I get it and what can it tell me? The Premier Source for Microfinance Data and AnalysisThis presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

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Where should I look for data on the marginalized and excluded?• Twitter: 140 million users • Microfinance: 140 million users• All income strata • Focus on the poor• Range of uses • Used for business investment, household expenses, basic needs• Data easy to get • Data not-so-easy to get 2 This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

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Where microfinance data comes from: inside the MFIFront-office systems Back-office systems External reportingPros: Pros: Pros:Close to clients Frequent StandardizedLikely frequent Granular (client-level) PublicCons: Cons: Cons:Not digitized Not standardized SlowNot standardized Confidential Aggregated (inst.-level) 3 This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

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Aggregate data helps to understand sector dynamics Number of clients (normalized for sector peak) 4This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

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Microfinance risk factors: early warning signals Source: University of Zurich, “Over- indebtedness and Microfinance Constructing an Early WarningBasic operational data Index” Survey / sentiment data 5 This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

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Identifying supply and demand gaps: KenyaAccess points by % financially excluded Access points by district-level poverty and provider type 6This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

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Identifying industry hotspots: Bosnia (post crisis) 7This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

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Tracking industry sentiment: news on KyrgyzstanLoan portfolios (10 years) Investment flows (5 years) 8 This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

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Key points for microfinance data • Data comes from somewhere – Understanding the supply chain for data is key to finding scalable solutions • Interpretation can be ambiguous – Credit growth: positive investment outlook or debt spiral? – Savings growth: bad investment outlook or asset-building? – Risk indicators help identification, but are harder to find • Augmenting with outside data sources provides additional context – Reputation risk and political and regulatory factors 9This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

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MIX Global and Project PartnersMIX partners with a dedicated group of industry leaders: 10This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.

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Microfinance Information Exchange Headquarters: 1901 Pennsylvania Ave., NW, Suite 307 Washington, D.C. 20006 USA Visit us on the Web: www.themix.org ♦ www.mixmarket.org Regional Offices: Baku, Azerbaijan Contact us: info@themix.org 44 J. Jabbarli st. Caspian Plaza I, 5th Floor, Baku, Azerbaijan Interested in learning more about MIX? Lima, Peru Sign up to receive our free e-mail Jirón León Velarde 333 Lince, Lima 14, Perú newsletters! Rabat, Morocco Immeuble CDG Place Moulay Hassan BP 408 Rabat Morocco Find us on Facebook Follow us on Twitter: @mix_market Hyderabad, India Road #12, Landmark Building, 5th Floor, Banjara Hills, Hyderabad 500034, India 11This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIX’s prior written permission is strictly prohibited.