Comments on: Can M-PESA work for microfinance clients? http://technology.cgap.org/2008/05/28/can-m-pesa-work-for-microfinance-clients/ How can technology increase the reach of microfinance? Mon, 06 Feb 2012 18:55:24 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: Tomorrow is Here: M-Kesho Offers Microloans and Interest via Mobile Phone « Kiva Stories from the Field http://technology.cgap.org/2008/05/28/can-m-pesa-work-for-microfinance-clients/comment-page-1/#comment-2062 Tomorrow is Here: M-Kesho Offers Microloans and Interest via Mobile Phone « Kiva Stories from the Field Wed, 19 May 2010 20:12:01 +0000 http://technology.cgap.org/?p=286#comment-2062 [...] with cash. The success of microfinance institutions (MFIs) who have implemented M-Pesa has been mixed, but the suite of services offered through M-Pesa has become wildly popular for broader purposes: [...] [...] with cash. The success of microfinance institutions (MFIs) who have implemented M-Pesa has been mixed, but the suite of services offered through M-Pesa has become wildly popular for broader purposes: [...]

]]> By: MNOs as Depository Institutions? « FinVentures http://technology.cgap.org/2008/05/28/can-m-pesa-work-for-microfinance-clients/comment-page-1/#comment-1369 MNOs as Depository Institutions? « FinVentures Fri, 06 Nov 2009 20:37:23 +0000 http://technology.cgap.org/?p=286#comment-1369 [...] http://technology.cgap.org/2008/05/28/can-m-pesa-work-for-microfinance-clients/ [...] [...] http://technology.cgap.org/2008/05/28/can-m-pesa-work-for-microfinance-clients/ [...]

]]> By: Aplicaciones sociales del móvil: África está dando lecciones de innovación | Impresiones, el Blog de Javier Velilla | Comunicación http://technology.cgap.org/2008/05/28/can-m-pesa-work-for-microfinance-clients/comment-page-1/#comment-1341 Aplicaciones sociales del móvil: África está dando lecciones de innovación | Impresiones, el Blog de Javier Velilla | Comunicación Tue, 20 Oct 2009 07:33:40 +0000 http://technology.cgap.org/?p=286#comment-1341 [...] un sistema de pago vía móvil que transfirió en sólo un mes 40 millones de euros, la mayoría en pequeños pagos. El sistema M-Pesa permite transferir dinero con el móvil a otra cuenta; en caso que el receptor [...] [...] un sistema de pago vía móvil que transfirió en sólo un mes 40 millones de euros, la mayoría en pequeños pagos. El sistema M-Pesa permite transferir dinero con el móvil a otra cuenta; en caso que el receptor [...]

]]> By: Brief look into alternative transaction methods | Building La Ceiba http://technology.cgap.org/2008/05/28/can-m-pesa-work-for-microfinance-clients/comment-page-1/#comment-396 Brief look into alternative transaction methods | Building La Ceiba Sat, 27 Sep 2008 15:51:35 +0000 http://technology.cgap.org/?p=286#comment-396 [...] to 21% on the average Jamii Bora microbusiness loan. That’s costly. Source: Pickens, Mark. “Can M-PESA work for microfinance clients?“. Consultative Group to Assist the Poor. 28 May, [...] [...] to 21% on the average Jamii Bora microbusiness loan. That’s costly. Source: Pickens, Mark. “Can M-PESA work for microfinance clients?“. Consultative Group to Assist the Poor. 28 May, [...]

]]> By: farzal dojki - amaana http://technology.cgap.org/2008/05/28/can-m-pesa-work-for-microfinance-clients/comment-page-1/#comment-368 farzal dojki - amaana Mon, 22 Sep 2008 01:31:39 +0000 http://technology.cgap.org/?p=286#comment-368 Mark, One large OPEX for MFI is distribution and collection of loans. I've been told the OPEX is nearly 10-25%. This OPEX translates into high interest charges. Let's say the OPEX is reduced by 5% - this will reduce the client charges by same percentage. Distribution and recollection of loans through M-PESA agents will reduce this OPEX and hence allow for cheaper loans. We at amaana (Pakistan) have experienced this in the fields by conducting trials. But trials are controlled environments so it is hard to say if the reduction will be 2% or 5% or more. Thanks, Farzal Dojki Director, amaana (Pvt) Ltd amaana.impacting.lives http://www.youtube.com/watch?v=Qg-t3ETbrHo Mark,

One large OPEX for MFI is distribution and collection of loans. I’ve been told the OPEX is nearly 10-25%. This OPEX translates into high interest charges. Let’s say the OPEX is reduced by 5% – this will reduce the client charges by same percentage.

Distribution and recollection of loans through M-PESA agents will reduce this OPEX and hence allow for cheaper loans. We at amaana (Pakistan) have experienced this in the fields by conducting trials. But trials are controlled environments so it is hard to say if the reduction will be 2% or 5% or more.

Thanks,
Farzal Dojki
Director, amaana (Pvt) Ltd

amaana.impacting.lives
http://www.youtube.com/watch?v=Qg-t3ETbrHo

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