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The Microfinance Sectoral Appreciation Paper
               By Vinay Ravindran
.       l               e               d               o               m                   p   i           h       s       r           e           n       t           r               a           p
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        A
                        e               h           t                   r               e               d               n               u                       d               e           t                   a               r       e               n               e                       g                       o       i               l                   o                       f           t           r                       o               p                       n                   a                       o           l                               e                       h       t                                       g               n           i                       g               a                   n               a                               m                       r                   o                   f                           m           e               t           s                       y           s                   g       n               i               k                   n               a               b                   e           r           o           c                   g       n       i       t           p               o               d




                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Technology :
                                                                                                                                                                                                                                                                                .           k               n                       a                   b                               e                       h                   t                   h           t       i                                   w                               k               s       i               r                           t               i                   d                   e           r                   c                       e               h               t                   s               e                   r                   a                   h           s           I                   F                               M               ,           t               n               e                           g       a                       n                   o       i       t           c           e   l           l       o       c               e           h               t               s               a               s       t           c       a               d               n       a               t               n           e       i       l   c
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e   h   t       e           c       i           v               r               e           s                       o       t                   s       e               u                       n           i       t               n               o               c                   I               F                               M                       ,           s                   I                       F                           M                                       m               o           r                           f                       o       i                   l                   o           f       t               r                   o                           p               t               u                       o                       s                       y       u                       b                   k                   n                           a




                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Securitization of portfolio of MFI’s
                                                                    .               k           o               o                   b               s               k               n               a                   b                       e               h           t                       n           i                           s               e                   d                   i                       s           e           r                   o               i       l                   o                   f               t           r                       o                           p                   d                           n                       a                   r                   e                       m               o                   t           s                   u               c                   ,           I                   F                           M                       e           h           t                   f                   o               s               n               o           i           t           a           d                   n       e                   m               m           o               c               e           r               e           h       t               n           o               y   l       t           c           e           r       i       d
            s       t           n           e           i   l               c                       s       e                   c           n               a               n           i               f                   k               n               a                       b           ,                   s       t                       n                   e           i                       l                   c               e               c               n                   a                       n       i                       f                   o               r               c               i                           m                               e       t                       o                           m                   o       r                       p                               d                   n               a                           n           i               a           r               t           ,                   y               f   i           t                   n       e               d               i




                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Partnership Model
                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Strategy of private banks/Commercial Banks in Microfinance
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Role of Bank in Microfinance – Linkages
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Division of responsibility in Microfinance
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Role of NABARD (Regulator)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Role of RBI ( Central Bank )
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Stake Holders Views
Credit to MFI/NGO
                                                                                    w   h   o   l   e   s   a   l   e   l   i   n   k   a   g   e   m   o   d   e   l   w   h   i   c   h   i   m   p   l   i   e   s   e   x   t   e   n   d   i   n   g   a   b   u   l   k   l   o   a   n   t   o   t   h   e   M   F   I   ’   s   f   o   r




                                                                    :       A




l   e   n   d   i   n   g   t   o   p   o   o   r   w   o   m   e       n       .




Role of MFI




State Governments Role in Microfinance




                                            Current HR Challenges in Microfinance




                                                                Way forwrd for HR in Microfinance
Recruitment
A) Where to go to recruit Loan Officers
   •
   •



   •

   •

       Where to go to recruit Middle level Managers
   •
   •



   Composition of Interview Panel
   •
   •
   •
   •



Training may be divided into four parts




Benefits & Incentive Management




PMS
Career Building




Grievence Redressal




Retention



                         g   r   e   e   n   p   a   s   t   u   r   e




Branding




HR Interventions to revolve around HR outputs

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Microfinance sectoral appreciation paper by vinay ravindran

  • 1. The Microfinance Sectoral Appreciation Paper By Vinay Ravindran
  • 2. . l e d o m p i h s r e n t r a p A e h t r e d n u d e t a r e n e g o i l o f t r o p n a o l e h t g n i g a n a m r o f m e t s y s g n i k n a b e r o c g n i t p o d Technology : . k n a b e h t h t i w k s i r t i d e r c e h t s e r a h s I F M , t n e g a n o i t c e l l o c e h t s a s t c a d n a t n e i l c B e h t e c i v r e s o t s e u n i t n o c I F M , s I F M m o r f o i l o f t r o p t u o s y u b k n a Securitization of portfolio of MFI’s . k o o b s k n a b e h t n i s e d i s e r o i l o f t r o p d n a r e m o t s u c , I F M e h t f o s n o i t a d n e m m o c e r e h t n o y l t c e r i d s t n e i l c s e c n a n i f k n a b , s t n e i l c e c n a n i f o r c i m e t o m o r p d n a n i a r t , y f i t n e d i Partnership Model Strategy of private banks/Commercial Banks in Microfinance Role of Bank in Microfinance – Linkages Division of responsibility in Microfinance Role of NABARD (Regulator) Role of RBI ( Central Bank ) Stake Holders Views
  • 3. Credit to MFI/NGO w h o l e s a l e l i n k a g e m o d e l w h i c h i m p l i e s e x t e n d i n g a b u l k l o a n t o t h e M F I ’ s f o r : A l e n d i n g t o p o o r w o m e n . Role of MFI State Governments Role in Microfinance Current HR Challenges in Microfinance Way forwrd for HR in Microfinance Recruitment
  • 4. A) Where to go to recruit Loan Officers • • • • Where to go to recruit Middle level Managers • • Composition of Interview Panel • • • • Training may be divided into four parts Benefits & Incentive Management PMS
  • 5. Career Building Grievence Redressal Retention g r e e n p a s t u r e Branding HR Interventions to revolve around HR outputs