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EDA Training…

EDA Training…. …the journey so far 9 February 2009 Ragini Bajaj Chaudhary. Training at a glance. >200 trainings delivered >3,500 participants In India, Afghanistan, Bangladesh, Cambodia, East Timor, Ethiopia, Myanmar, Nepal, Pakistan, Sierra Leone and Sri Lanka

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EDA Training…

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  1. EDA Training… …the journey so far 9 February 2009 Ragini Bajaj Chaudhary 10 eventful years

  2. Training at a glance • >200 trainings delivered • >3,500 participants • In India, Afghanistan, Bangladesh, Cambodia, East Timor, Ethiopia, Myanmar, Nepal, Pakistan, Sierra Leone and Sri Lanka • For MFIs, networks, donors and wholesale lenders

  3. Number of offerings

  4. Courses... Popular Trainings

  5. Clients… EDA Clients

  6. CGAP (1999 -2003) DQIR Financial Analysis Operational Risk Management Product Development Business Planning Information Systems Im-PACT Social performance Management WWB- Citigroup Management development programme EDA (2001 – till date) Principles of Microfinance Credit Appraisal Perspective building in mf Management Information systems Internal Audit Risk Management A series of Micro- enterprise related courses All CGAP courses contextualised SPM integrated in all courses Training Modules…

  7. THEN Arrears Rate Bad debt write off Subsidised interest rate Development package Slow and steady Society/Trust Profit Taboo Grant NOW PAR Loan Loss Reserve Sustainable interest rates Stand alone Fast paced NBFC, Section 25 Co. Profit desired Commercial loans Changing context … evolving sector

  8. THEN MFI responsible for portfolio quality Zero PAR ideal Interest charged should cover all costs Yield should be compared with APR NOW MFI responsible for client protection Zero PAR comes with a cost. Do not pass on your inefficiencies to the borrower APR should be communicated to the client Main messages …

  9. THEN Efficient processes reduce costs and risks for the MFI. Financial performance needs to managed and reported. Financial sustainability is an end in itself. NOW Process efficiencies not at the cost of transferring risk to the client. Financial as well as social performance needs to be managed and reported. Financial sustainability is a means to an end. Main messages contd…

  10. Credit appraisal for MFIs no demand since 2006 Accounting and DQ/IR has also come down FA consistent Increasing for Risk Management, Strategic Business Planning and SPM Increased commercial lending in the mf sector since 2005 Increase in professional staff in mf and improved MIS on tracking of overdues Financial analysis continues to be most useful skill for mf professionals Increased risks, interest of diverse investors and revived interest in improving mf practice Evolving sector reflected in training demand

  11. Challenges… • Fast growing • Geographical spread • Language • Subsidy driven • High attrition of MFI staff

  12. Next Steps…. • Online certificate course • Introduce courses on HR, OD • Publish practical DIY tools derived from research and ratings experience • Expand repertoire of courses on SPM practice

  13. We look forward to continuing this journey… …enhancing skills for ten more years and beyond!

  14. Encouragement from our clients

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