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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…the journey so far
9 February 2009
Ragini Bajaj Chaudhary
10 eventful years
Operational Risk Management
Social performance Management
Management development programme
EDA (2001 – till date)
Principles of Microfinance
Perspective building in mf
Management Information systems
A series of Micro- enterprise related courses
All CGAP courses contextualised
SPM integrated in all coursesTraining Modules…
MFI responsible for portfolio quality
Zero PAR ideal
Interest charged should cover all costs
Yield should be compared with APR
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 clientMain messages …
Efficient processes reduce costs and risks for the MFI.
Financial performance needs to managed and reported.
Financial sustainability is an end in itself.
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…
Accounting and DQ/IR has also come down
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 practiceEvolving sector reflected in training demand
…enhancing skills for ten more years and beyond!