The Microfinance Contagion Scenario

Harvard Business Review

So far, the Andhra Pradesh (AP) microfinance crisis has largely been viewed as a local issue, with relatively little impact beyond AP or India's borders. Other microfinance crises, in Bolivia, Nicaragua, Nigeria, and Bosnia, have not spread beyond the borders of a particular country. In other words, at current repayments rates, any MFI with more than 12% of its portfolio in AP is at risk of insolvency.

How One Startup Developed a Sales Model That Works in Emerging Markets

Harvard Business

We serve two markets that are very different but united by the common need for reliable, safe access to energy: outdoor recreationalists and low-income households in emerging markets. These challenges forced BioLite to reevaluate our approach and customize our sales methods to a market that demands an entirely different way of doing business. We found an ideal storefront near a busy market in central Bhubaneswar. Experiment #5: Microfinance Institutions.