Next Generation Microfinance. Gaining Scale and Reducing Costs with Technology and Credit Scoring"
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1 Next Generation Microfinance. Gaining Scale and Reducing Costs with Technology and Credit Scoring" The Importance of Credit Information and Credit Scoring for Microfinance Lending in Ecuador
2 The most important between Credit Bureau and MFI Information Products Technology
3 EVOLUTION, BUREAU SOLUTIONS Expert Systems Score Alert Client Monitoring Service Decision Client Administration Credit Report know the client
4 Evolution of needs MFI Phase 1: How much does he own? Who is the client? How has he paid?
5 EVOLUTION OF NEEDS MFI Phase 2: Client Alert Change in the credit profile of the clients Client Follow-up
6 EVOLUTION OF NEEDS MFI Phase 3: second opinion The client fulfills the credit policy? Pre approval of credit Non-acceptance Refusal Recommendation on what to do with my client For which offer of products does the client qualify?
7 What kind of credit information is available in Ecuador? Providers of Information: Regulated Financial System Superintendency of Banks Non Regulated Financial System Superintendency of Banks Commercial information Positive and Negative
8 What kind of credit information is available in Ecuador? Credit Information Exclusively No available: income, patrimony No limit amount Complete detail One of the richest information in Latin America
9 INFORMATION EVOLUTION EVOLUCIÓN # BASES DE DATOS NO REGULADAS CREDIT REPORT TOTAL BASES DE DATOS Año 2005 Ene-06 Feb-06 Jun-06 Jul-06 Ago-06 Sep-06 Oct-06 Nov-06 Dic-06 Ene-07 Feb-07 Mar-07 Abr-07 May-07 Jun-07 Jul-07
10 INFORMATION EVOLUTION EVOLUCIÓN # OPERACIONES NO REGULADAS CREDIT REPORT 400, , , , , , ,000 50,000-93,191 74,745 31,09733,440 35, , , , , ,469283,944281,850 TOTAL OPERACIONES 363, , , , ,168 Año 2005 Ene-06 Feb-06 Jun-06 Jul-06 Ago-06 Sep-06 Oct-06 Nov-06 Dic-06 Ene-07 Feb-07 Mar-07 Abr-07 May-07 Jun-07 Jul-07
11 What is the status of credit approval processes in microfinance institutions in Ecuador? I. Incorporation of the bureau information and the decision in the applications of the MFI organization. Web services II. III. Implementation of expert systems and scores Pre approval of credit by message SMS
12 Case of study: Solutions: Implementation of expert systems and scores in IMFS Ecuador
13 Demo scores implemented IMF
14 Cases reportes\score y Decida IFC\Score-1.pdf reportes\score y Decida IFC\Score-2.pdf reportes\score y Decida IFC\Score-3.pdf reportes\score y Decida IFC\Score-4.pdf reportes\score y Decida IFC\Score-5.pdf reportes\score y Decida IFC\Score-6.pdf
15 Cases reportes\score y Decida IFC\Score-7.pdf reportes\score y Decida IFC\Score-8.pdf reportes\score y Decida IFC\Score-9.pdf reportes\score y Decida IFC\Score-10.pdf reportes\score y Decida IFC\Score-11.pdf
16 Demo Credit Expert Systems
17 Cases reportes\score y Decida IFC\Decida-1.pdf reportes\score y Decida IFC\Decida-2.pdf reportes\score y Decida IFC\Decida-3.pdf reportes\score y Decida IFC\Decida-4.pdf reportes\score y Decida IFC\Decida-5.pdf
18 Cases reportes\score y Decida IFC\Decida-6.pdf reportes\score y Decida IFC\Decida-7.pdf reportes\score y Decida IFC\Decida-8.pdf reportes\score y Decida IFC\Decida-9.pdf reportes\score y Decida IFC\Decida-10.pdf reportes\score y Decida IFC\Decida-11.pdf
19 Technology and Solutions Technology investment is approximately USD 200 Ms. Technology of very easy implementation and administration
20 What are the benefits of credit scoring and expert systems for microlending? 1. Reduction of costs and time of the processes 2. To make complex decisions on an objective basis 3. Supply of services according to the risk level. Ordering clients 4. Easy implementation. Attainable organizations.
21 What are the benefits of credit scoring and experts systems for microlending?
22 What are the benefits of credit scoring and expert systems for microlending? ÍNDICE MOROSIDAD MICROCRÉDITO , ,95 6,83 5,40 4,93 4 5,01 2 Dic-02 Jun-03 Dic-03 Jun-04 Dic-04 Jun-05 Dic-05 Jun-06 Dic-06 Jun-07
23 Our Challenges Incorporate additional information (demographic partner) -Age - Activity - Instruction etc To deepen the roll of the credit bureau in the country economy. To minimize political risk To accelerate the process of sharing information, breaking the paradigm if I post my clients my competitors will take them away
24 Next Generation Microfinance. Gaining Scale and Reducing Costs with Technology and Credit Scoring Future between credit report and MFI Information Products Technology
25 Next Generation Microfinance. Gaining Scale and Reducing Costs with Technology and Credit Scoring" The Importance of Credit Information and Credit Scoring for Microfinance Lending in Ecuador
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