Harvard Business Review

JUNE 10, 2011

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. That could likely have consequences.

Microfinance 13

Microfinance Debt to Equity Ratio MFI Crisis 13

Harvard Business Review

OCTOBER 5, 2016

While meeting this challenge is a clear priority for policy makers and donors, it is also a major profit opportunity for commercial players who can solve market failures and create real value. Micro-insurance is not at scale anywhere except when heavily subsidized by government, a market we hope technology may change in the future.

Microfinance 10

Microfinance Insurance Banking Bottom-up 10

Harvard Business Review

AUGUST 1, 2011

Microfinance has come under fire in the past 18 months, triggered in part by SKS Microfinance's IPO. Critics complain that the institutions supporting microfinance have become too greedy, and many are using this as an argument to deeply regulate or, even more, cut support to microfinance operations. I hope not.

Microfinance 13

Microfinance IPO Bottom-up Finance 13

Harvard Business Review

APRIL 22, 2011

The microfinance industry has in just a few years gone from making headlines for the Nobel Peace Prize to stories about limited impact, allegedly abusive tactics, client suicides, government crackdowns, major lenders struggling with insolvency and the forcible removal of Mohammed Yunus as Managing Director of Grameen Bank.

Microfinance 15

Microfinance Entrepreneur Crisis Short-term 15

Harvard Business Review

NOVEMBER 27, 2012

Career paths are not one-size-fits-all, yet in emerging markets, it's often assumed that microfinance — the use of small loans to foster self-reliant small businesses in a community setting — is the only path for women seeking economic opportunity. Microfinance was one issue that we considered.

Microfinance 8

Microfinance Flextime Globalization Telecommunications 8

Modern Servant Leader

NOVEMBER 18, 2010

Book Says Servant Leadership Critical for Marketing Leaders. Peer-to-Peer Microfinance: A Sustainable Solution to Poverty. Servant Leadership Review: Battle Los Angeles Movie. Introducing the Modern Servant Leader Logo. What Does Your Twitter Follower Ratio Say About You? Sometimes You Must be a Nuisance. Careers for Servant Leaders.

Servant Leader 150

Servant Leader Leadership Microfinance Discount 150

Harvard Business Review

SEPTEMBER 7, 2016

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. We found an ideal storefront near a busy market in central Bhubaneswar. Experiment #5: Microfinance Institutions.

Marketing 8

Marketing Microfinance Retail Development 8

Harvard Business Review

JUNE 13, 2012

cents for a sachet that could purify 10 liters, Pur achieved penetration rates of 5% to 10% in its test markets — strong by almost any yardstick — but in 2005 the company gave up on Pur as a business, because the numbers simply hadn't worked. The microfinance industry is a rare D and E success story.

Microfinance 13

Microfinance Prahalad Bottom-up Banking 13

Harvard Business Review

MAY 18, 2016

In 2013, Habitat used its frontline calculations to create a new strategic plan aimed at materially affecting the housing deficit through a combination of advocacy and market development. A critical part was adapting a proven model in a related field: microfinance. Habitat has thereby transformed the nature and scale of its impact.

Microfinance 9

Microfinance Strategic Planning Finance Globalization 9

Harvard Business Review

APRIL 4, 2012

The White House has called this gap between the demand and supply of finance for small and medium enterprises a "market failure.[and] Some microfinance organizations are also moving out of the purely micro and toward larger lending. and] a serious constraint on efforts to promote strong and sustainable global recovery.".

Entrepreneur 14

Entrepreneur Globalization Microfinance Finance 14

Harvard Business Review

JANUARY 11, 2013

Six years ago, David and Donna Allman approached Opportunity with an idea that fell outside our traditional microfinance model: to build a Community Economic Development (CED) program in Nicaragua. We know that microfinance alone will not break the poverty cycle.

Microfinance 8

Microfinance Rogers Tourism Engineering 8

Harvard Business Review

JANUARY 11, 2013

It is unthinkable, for instance, to imagine a social entrepreneur treating research on the health effects of tobacco use the way the tobacco industry, market analysts, and investors did in the 1960s and '70s. They can be more analytical. Prahalad's " bottom of the pyramid ," that began life as academic research.

Entrepreneur 9

Entrepreneur Microfinance Supply Chain Prahalad 9

Harvard Business Review

MAY 24, 2012

A hybrid approach is exemplified by startup Frogtek, which develops software for local shopkeepers in emerging markets to more efficiently track their inventory, leading to better purchasing decisions and greater profits. Hybrids thus risk mission drift, as they may over time start targeting wealthier and more profitable market segments.

Entrepreneur 14

Entrepreneur Microfinance Market Segmentation Incubator 14

Harvard Business Review

JANUARY 22, 2015

” Microfinance and other market-based interventions don’t generally reach them. Unfortunately, these trends still have little to no impact on the lives of a critical and chronically marginalized subset of the extreme poor around the world, those living on less than 60 to 70 cents per day.

Microfinance 8

Microfinance BHAG NGO Participative 8

Harvard Business Review

MARCH 9, 2011

Second, the marketing pitch for focusing on women and girls increasingly is stereotyping men in the effort to combat the stereotyping of women. The Indian study, one of the few high quality studies of microcredit extended to women, found no increase in household spending on clothing, food, or education.

Microfinance 14

Microfinance Globalization Long-term Class 14

Harvard Business Review

MARCH 17, 2014

An estimated 250 funds are actively raising capital in a market that the Global Impact Investing Network estimates at $25 billion. We allowed microfinance and the venture capital industry the time and space to develop over a few decades. Impact investing has captured the world’s imagination. Social enterprise Venture capital'

Development 8

Development Microfinance Biotechnology Exit Strategy 8

Harvard Business Review

JUNE 20, 2012

However, as I discussed in my last post , the model has a fatal flaw: It inevitably requires an impractical penetration rate of the target market — often 30% or more of all consumers in an area. Any business that starts off needing a 30% or higher penetration rate is built on a shaky foundation.

Bottom-up 10

Bottom-up Microfinance Price Banking 10

Harvard Business Review

FEBRUARY 21, 2014

Addressing the agriculture value chain—soil testing, facilitation of inputs and credit, market linkage, and field advisory services—is part and parcel of agriculture development initiatives. Over 1,900 beneficiaries have established micro-enterprises for which microfinance has been facilitated.

Innovation 9

Innovation Microfinance Parcell Technology 9

Harvard Business Review

MAY 2, 2014

Or consider Kwabena Darko of Ghana, who helped found that country’s microfinance sector by forging a collaboration between global NGO Opportunity International , his national startup Sinapi Aba , and a myriad of village- and town-based trust groups. Amplify the voices of the constituents you seek to serve.

Entrepreneur 12

Entrepreneur Microfinance NGO Mission Statement 12

Harvard Business Review

MARCH 4, 2013

This makes sense to Milaap.org , a social enterprise in Bangalore that crowdsources low-cost capital for microfinance institutions through its online platform. Similarly, Twitter followers are more numerous when the venture is active on Facebook and LinkedIn. Nor do we see advantages for entrepreneurs with deep experience or advanced degrees.

Entrepreneur 8

Entrepreneur Microfinance Media Follow-up 8

Harvard Business Review

JANUARY 28, 2016

According to the Global Impact Investing Network, the market for impact capital, currently sized at $60 billion, could grow over the next decade to $2 trillion, or 1% of global invested assets. Everyone agrees that impact investing is on the rise. Intensity and immediacy of impact.

Class 8

Class Microfinance Supply Chain Education 8

Harvard Business Review

FEBRUARY 2, 2011

Opportunities and markets are global. Entrepreneurs don't need to help America beat China or Brazil in addressing the needs of customers and markets. Microfinance (Bangladesh), securitization of revenues (Saudi Arabia), and royalty-pay-back funding (Israel) were all invented overseas. This is not a contradiction.

Venture Capitalist 15

Venture Capitalist Entrepreneur Microfinance Finance 15

Harvard Business Review

FEBRUARY 1, 2017

Firms are realizing what microfinance has known for a while: Local self-policing groups, or village headmen who police honor codes, can hedge cash flows in far-flung places. Toyota and Yamaha have found motorbike customers through such social group structures.

Microfinance 8

Microfinance Hotels Entrepreneur Incubator 8

Harvard Business Review

JANUARY 21, 2013

Many in the nonprofit world call this technical assistance or training, while for-profit entrepreneurs might see it as business development, partnerships or even affiliate marketing. The organization recognizes that its impact could be greater than the size of its loan portfolio or its direct footprint; it could build a new lending market.

Venture Capitalist 9

Venture Capitalist Mentor Microfinance NGO 9

Harvard Business Review

FEBRUARY 18, 2013

And we are often happy to review these start-up plans — which include the typical elements such as a product description, competitive analysis, estimate of market size, and projected financials. The kids develop discipline and focus, but also practical, marketable skills. Importance.

Entrepreneur 10

Entrepreneur Planning Taylorism Taylor 10

Harvard Business Review

OCTOBER 13, 2011

Bank marketing materials focus on the dreams, anxieties and goals of consumers. Popular games also tend to spawn communities who share information and strategies about how to overcome hurdles, suggesting that peer to peer education is also possible (this has been seen in microfinance).

Banking 10

Banking Pharmaceuticals Microfinance Risk Management 10