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• Meeting customer needs • Managing resources efficiently • Improving performance and productivity By Mr Harish Chotani, Director, CARE-CASHE OPERATIONAL PROCESS INPUT • Materials • Technology • Human Resource TRANSFOR OUTPUT MATION • Loan • Appraisal • Analysis • Structure By Mr Harish Chotani, Director, CARE-CASHE Product BUSINESS STRATEGY 3 basic competitive business strategy • Low cost provider • Product differentiation • Market segmentation By Mr Harish Chotani, Director, CARE-CASHE STRATEGIC DECISION MAKING • • • • • • Resource allocation Competitive responses Keeping options open Business portfolio development Centralization vs.localization Organizational networks and strategic alliances By Mr Harish Chotani, Director, CARE-CASHE CONCEPTUAL FRAMEWORK RURAL POOR (Requiring Support for Economic and Social Development FINANCIAL SUPPORT SOCIAL SUPPORT FINANCIAL INTERMEDIARIES •BANKS /FORMAL FINANCIAL INSTITUTIONS •ORGANISED INFORMAL SECTOR (NGOs, CBO, EMERGING, MFIs,) •NON-INSTITUTIONAL SECTOR (MONEY LENDERS, TRADERS ETC.) Financial Intermediation •NABARD •Commercial BANKS / FIs •Micro-Finance Institutions •MACS/Cooperatives • NGOs ) SOCIAL INTERMEDIARIES •NGOs •OTHER DEVELOPMENT AGENCIES •Consultants others RURAL POOR GROUPED INTO •SELF-HELP GROUPS •JOINT LIABILITY GROUPS •MACS/COOPERATIVES Financial Intermediation and Social Inter-mediation NGOs WITH DIFFERENT CAPACITIES and LIFE CYCLE AS MFIs •GOVERNANCE •MANAGEMENT PRACTICES •HUMAN RESOURCES •FINANCIAL RESOURCES •MF PRODUCTS •MF PERFORMANCE •EXTERNAL RELATIONS •SUSTAINABILITY By Mr Harish Chotani, Director, CARE-CASHE Sustainable Balanced Financial and Social Inter-mediation by NGOs-MFIs MATURE EXPANDING EMERGING NASCENT CLASSIFICATION OF INTERVENTIONS Direct mF services BDS: technical and managerial Social Core social intermediati intermediation on services related to mf By Mr Harish Chotani, Director, CARE-CASHE CHALLENGES- IMPACT ORGANIZATIONAL DEVELOPMENT STAGES OF MFI DEVELOPMENT -NASCENT -EMERGIN
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