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Making Microfinance More Effective

Harvard Business Review

Personal savings, insurance, credit, cash transfers from family and friends and other financing mechanisms offer promising opportunities to create security and steady employment but they require a nuanced understanding of product design and the local market conditions in order to be effective. For the 2.5 Economics & Society Digital Article

Innovating The Brick-and-Mortar Injustice Infrastructure

Mills Scofield

Business Model Innovation Capital Good Fund Innovation Leadership Micro Loans Microfinance Poverty 1] [link].

Under Fire, Microfinance Faces Falling Out of Favor

Harvard Business Review

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.

Guest Post: An Entrepreneur's Thoughts on Market Incentives & Foreign Aid

Mills Scofield

I think that microfinance is one of those rare game changing social initiatives that manages to use market forces to drive social change.

Women as Microfinance Leaders, Not Just Clients

Harvard Business Review

We're a network of microfinance organizations; we exist to share practices and develop the leadership skills required by a sector that has grown up fast. And as you might be aware, microfinance is a phenomenon that, while it did not set out to be "for women," has mainly turned out to be. Diversity Gender microfinance WWB

The Innovation Mindset in Action: Shantha Ragunathan

Harvard Business Review

Sasikala, a Block Development Officer (BDO), talked to the Kodapattinam villagers about microfinance , only Shantha, of all the villagers, saw the opportunity and took action. Undeterred, Shantha persisted until she persuaded the required number of people to sign up for the microfinance project. At six, Shantha lost her parents.

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

Harvard Business Review

Our flagship products are wood-burning stoves that generate electricity from fire while reducing toxic smoke emissions by 90%. Customers have myriad channels to discover new products and shop at outdoor gear retailers to explore, evaluate, and choose what they need. Handi shop customers had never seen a product like ours.

3 Things Driving Entrepreneurial Growth in Africa

Harvard Business Review

Here are three things that Western investors should want from African entrepreneurs: a focus on the top of the pyramid, control over factors of production, and innovation in distribution rather than in products. Factors of Production. Today his Nice Rice Mill processes 70% of the region’s rice production.

The 3 Preconditions for an Entrepreneurial Society

Harvard Business Review

Marx’s goal was for workers to take ownership of the means of production, by which he meant factories and machinery. What about motive ?

Scaling Up Without Losing Your Edge

Harvard Business Review

Forty years ago, British economist E.F. The retort from mainstream economists was swift and scathing: "Small is stupid." It moves.

Give Impact Investing Time and Space to Develop

Harvard Business Review

We allowed microfinance and the venture capital industry the time and space to develop over a few decades. sanitation, housing, mobile banking).

Banking on Women and Girls: Key to Global Poverty Alleviation

Harvard Business Review

On this 100th International Women's Day , it is right to reflect on how women have become the heart of the microfinance industry. It is easy to forget that the initial motivation for microfinance roughly 30 years ago was, to a great extent, gender neutral. Microfinance is about much more than extending credit. fewer children.

Transforming Rural India Through Agricultural Innovation

Harvard Business Review

Here are some highlights of the outcomes as a result of these NAF interventions: Agriculture productivity improvements through resource conserving “Lean Farming”: Paddy (55%), Groundnut (113%), Vegetables (116%), Sugarcane (40%), and Corn (150%). With a majority of its population living in villages, rural poverty is a major problem in India.

Making Sense of the Many Kinds of Impact Investing

Harvard Business Review

Product : Investments in products or services that have positive social benefits. Everyone agrees that impact investing is on the rise.

It's Not All About Growth for Social Enterprises

Harvard Business Review

Successful examples of this approach are still rare; most people point to microfinance. The assumption is that company growth is good. Maybe.

Servant Leadership Observer ? November 2010

Modern Servant Leader

Peer-to-Peer Microfinance: A Sustainable Solution to Poverty. Leadership as a Product Purhcased by Followers. Productivity. Other.

Entrepreneurs: You're More Important Than Your Business Plan

Harvard Business Review

"Would you take a look at my business plan?". But we are interested in much more than these traditional plans. Purpose and Passion. Importance.

Funders Can Give More than Money

Harvard Business Review

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. percent lower than its value in 2007. Finance Innovation Nonprofit CED

Businesses Serving the Poor Need to Get Over Their Unease About Profit

Harvard Business Review

Precious few of the ventures that failed to generate such profit levels have survived, leaving low-income consumers without access to products and services that could have improved their lives and stimulated economic activity in poor areas. The microfinance industry is a rare D and E success story. It's practically the law of the land.

The Smart Way to Make Profits While Serving the Poor

Harvard Business Review

Most companies trying to do business with the 4 billion people who make up the world's poor follow a formula long touted by bottom-of-the-pyramid experts: Offer products at extremely low prices and margins, and hope to generate decent profits by selling enormous quantities of them. Localize and bundle base products.

Global Entrepreneurs Need New Funding Models

Harvard Business Review

This is particularly true for women entrepreneurs, who rarely hold land in their own names and often have a shorter history in business than men, both of which make them even greater risks in the eyes of most banks, despite the fact that there is no notable gap between men's and women's productivity when all other factors are equal.

Using Games to Get a Handle on Bank Risk

Harvard Business Review

The pharmaceutical industry also creates products with complex interactions and potentially dangerous side effects. Games can be used to understand consumer tastes and aspirations, as well as to tweak existing products and services. They may also create a comfort level and familiarity and help consumers understand new products.

It Takes a Village to Raise an Entrepreneur

Harvard Business Review

Commercial microfinance organizations are perhaps the best-known hybrid organizations, but social entrepreneurs now use hybrid models to address a diverse set of social issues that includes hunger, healthcare, economic development, environment, education, housing, culture, law, and politics. Social enterprise