Preliminary results of the EMN- MFC Microcredit Overview Survey

Transcription

1 #emnac2016 Preliminary results of the EMN- MFC Microcredit Overview Survey Diego Dagradi Fondazione Giordano Dell Amore

2 22 countries MFIs Microcred it providers Partic ipants % of answ ers TG % TG % Total % In red the countries with National Networks

3 Year started operating in microfinance Type of institution 13% 10% MFIs: 149/ % 18% 46 22% 24% Before

4 Paid staff (full-time equivalent) MFIs: 146/ % turnover from microlending activities MFIs: 147/149 8% 6% 20 53% 12% 7% % 0 < > 100 Average: 48,5 NA <5% 6%-25% 26%-50% 51%-75% 76%-100%

5 MFIs mission MFIs: 149/149 Other 13 Ethnic minorities and/or immigrants empowerment Youth employment (18-25 year) Women empowerment Small and Medium Enterprise (SME) promotion Social inclusion and poverty reduction Microenterprise promotion Job creation Financial inclusion Financial inclusion main mission

6 Products and services offered MFIs: 148/149 MFIs that offer ONLY financial products and services MFIs that offer financial & nonfinancial products and services Number Percentage 62 42% 86 58% Total % MFIs offering only financial products and services 79% are from East Europe 84% are NBFI MFIs offering financial and non-financial products and services 59% are from West Europe Majority of commercial bank, cooperative and NGO

7 Financial products and services - type Other Mobile banking services Money transfer services Insurance MFIs : 148/149 Only Business microloans Only Personal microloans 16,2% Current/Checking accounts Savings products Mortgages Factoring ,4% 32,4% Business & Personal microloans Leasing 1 Business loans 62 Personal microloans 72 Business microloans 124

8 Green microloans MFIs: 138/149 YES, specifically to finance renewable energies (photovoltaic solar panels, solar water-heaters, biogas digesters, electric vehicles, etc.) 8 YES, specifically to finance energy efficiency (energy-efficient technologies, apartment insulation, etc.) MFIs YES, specifically to finance environmentally friendly activities (organic farming, waste collection, recycling, ecotourism, etc.) 6 NO, we do not have specific green microloans, BUT in our normal microloan activities we also finance environmentally friendly activities or NO, BUT we are planning to develop such green microloans in the next years MFIs NO MFIs

9 Debt counselling Non-financial products and services - type MFIs: 86/86 33 Business Development Services (BDS) Entrepreneurship training Percentage of MFIs by number of non-financial products and services offered Financial education Mentoring % 6% 2% 23% E-learning courses 5 Other 12 27% 26% NONE

10 Non-financial products and services - how MFIs: 85/86 Other Through externalized voluntary service % Through online service Through externalized paid service 13 58% In person 40% Both online and in person Through a subsidiary 11 On your own 75

11 100 Target groups served in microlending MFIs: 131/ % 53% 47% 29% 26% Rural population Urban population Number of MFIs 65 30% 22% Unemployed people or people on welfare 39% 35% Women 54 24% 10% Ethnic minorities and/or immigrants 66 8% 6% Youth (18-25 years old) 26 3% 0% Disabled people 50 18% People excluded from mainstream financial services % of active borrowers for target group / total active borrowers for target group % of active borrowers for target group / total active borrowers 29% 11 12% Other

12 61% 31 30% Informal business 77 28% 27% 17 13% 0% Entrepreneurs in pre-start-up phase Number of MFIs Start-up enterprises Type of business 31% 88 43% Registered businesses (<5 employees) 3% 61 8% Registered businesses (6-9 employees) 37% 73 61% Self-employed without employees MFIs: 102/ % 4% 4 0% 0% Social enterprises Other % of business microloans disbursed for type of business / total business microloan disbursed for type of business % of business microloan disbursed for type of business / total business microloan disbursed

13 Microloan portfolio Evolution from Overview Reports Value of microloan disbursed (million EUR) Number of microloan disbursed Average microloan disbursed (EUR) MFIs: 137/ Value of microloan disbursed (million EUR) N. of microloan disbursed Average microloan disbursed (EUR)

14 Microloan portfolio Business 2014 Business 2015 Personal 2014 MFIs: 137/149 Personal 2015 Value of the gross microloan portfolio outstanding Number of active borrowers Value of microloans disbursed Number of microloans disbursed Average microloan disbursed Average microloan term (month) Annual interest rate 10,9% 19,3%

15 Microloan portfolio Percentage per type of institution (data as of 31/12/2015) MFIs: 137/149 Other (2 inst.) NBFI (83 inst.) 35% 45% 35% 54% NGO (42 inst.) Government body (1 inst.) Coop./Credit Union (4 inst.) Commercial Bank (4 inst.) 26% 38% 24% 31% 23% 42% 19% 27% Value of the gross microloan portfolio outstanding Number of active borrowers Value of microloans disbursed Number of microloans disbursed

16 European Code of Good Conduct for Microcredit Provision MFIs: 136/149 Do you know it? Has you already adhered to it? Do you intend to adhere to it? 24% 76% 103 MFIs 39% 61% 40 MFIs 63 MFIs 87% 13% 55 MFIs NO YES YES NO YES NO

17 MFIs that already adhered or intend to do it Already adhered Intend to adhere East Europe West Europe GROSS MICROLOAN PORTFOLIO Already adhered Intend to adhere no data 1 1 < >100m 3 0 TYPE OF INSTITUTION Already Intend to adhered adhere Commercial Bank 2 2 Coop./Credit Union 3 1 Government body 1 0 NGO NBFI Other 0 1 % OF TURNOVER Already Intend to adhered adhere NA 5 3 <5% 2 2 6%-25% %-50% %-75% %-100% 20 33

18 Thanks Diego Dagradi Microfinance Project Manager Via Andegari Milano, Italia Tel Fax skype: diego_dagradi