Who is Indian Microfinance Industry really serving to?
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Indian Microfinance. Shifting focus of Indian MFIs from rural to urban. Rising level of indebtedness. Who is Indian MFI really serving to?
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- 1. Who is Indian MFI serving to? 1 Debidutta Pattnaik, CFA (ICFAI) PGDM, MBA, MIFA
- 2. 2 257.38 335.17 488.82 638.53 0 100 200 300 400 500 600 700 2013 2014 2015 2016 Billions Portfolio O/s Portfolio O/s Source: Bharat Microfinance Reports for 2016,2015, 2014 Industry Size
- 3. 3 Decreasing rural clientele and increasing indebtedness 8112 10079 13162 11425 0 2000 4000 6000 8000 10000 12000 14000 0 5 10 15 20 25 30 35 40 45 2013 2014 2015 2016 Millions Client Outreach Rural Clients Avg. Loan Per Borrower Source: Bharat Microfinance Report 2016, 2015, 2014
- 4. 4 69% 67% 56% 33% 38% 31% 33% 44% 67% 62% 0% 10% 20% 30% 40% 50% 60% 70% 80% 2012 2013 2014 2015 2016 Rural Clients Urban Clients Source: Bharat Microfinance Reports for 2016,2015, 2014 Drifting Focus from Rural to Urban
- 5. 5 7481 7725 8112 10079 13162 11425 0 2000 4000 6000 8000 10000 12000 14000 2011 2012 2013 2014 2015 2016 Average Loan Average Loan Source: Bharat Microfinance Reports for 2016 Loan Per Borrower
- 6. 6 15717 14124 13667 10992 10322 8762 0 2000 4000 6000 8000 10000 12000 14000 16000 18000 Average Loan Per Borrower National Average Source: Bharat Microfinance Reports for 2016 Rising Level of Indebtedness A Zonal Comparison
- 7. 7 The illogical balance 32% 25% 14% 13% 8% 8% 14% 31% 14% 13% 22% 36% 0% 10% 20% 30% 40% South East North West North-east Central Avg. % of BPL Population % of MFI Concentration Source: Bharat Microfinance Reports for 2016 & RBIs Report on Poverty in India
- 8. Are Indian MFIs really serving the poor? 8