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Welcome to Fair Finance

Launched 2005. Welcome to Fair Finance. Current coverage and client spread. Challenges. Massive increase in demand for all products Change in the type of client Small and medium businesses, not just start ups Home owners, not just renters

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Welcome to Fair Finance

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  1. Launched 2005 Welcome to Fair Finance

  2. Current coverage and client spread

  3. Challenges • Massive increase in demand for all products • Change in the type of client • Small and medium businesses, not just start ups • Home owners, not just renters • Recently financially excluded for unsecured credit, rather than long term excluded • Change in demand/product need • Massive reduction in available funding • Shift in public finances and private finances

  4. Serving the base of the pyramid just became more complex, harder , and much bigger!

  5. Achieving double bottom line Raising interest rates Increasing loan size range Incentivizing referral relationships More rigorous review of portfolio metrics Finding new types of investors Product diversification for new entrants Increased number of metrics reviewed Online disclosure

  6. Upside down thinking Revisit mission and your clients – they create sustainability Managed complexity reduces overall risk Bad debts can go down Bigger market space to compete in = investment opportunity Limiting resource may be people not finance Product diversification opens new opportunities and partnerships Price is not the determining factor… access

  7. truly competitive transformingcommunities simple & convenient combating illegal lenders breaking the cycle of poverty a social investment addressingsocial exclusion trustworthy & reliable part of the community human impact individual money management stimulating local enterprise a real alternative a true local initiative sustainable

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