Linking up and Reaching Out in Bangladesh : Information and Communications Technology for Micro...
ISBN: 9780821381755 | 082138175X
Format: PaperbackPublisher: World Bank
Pub. Date: 1/12/2010
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The microfinance sector in Bangladesh has matured rapidly in the past 30 years and now boasts the largest number of clients in the entire world. Despite these successes, the day-to-day operations of most microcredit institutions in Bangladesh are done manually. The introduction of a centralized information and communications technology (ICT) platform in the microfinance sector will provide further cost savings by streamlining data so that errors, omissions, and duplications (client overlap) are eliminated. Moreover, the introduction of a centra... MORE
| Acknowledgments | p. ix |
| Abbreviations | p. xi |
| Introduction | p. 1 |
| Current Constraints in the Microfinance Industry | p. 2 |
| The Proposed New Microfinance Paradigm | p. 4 |
| Approach to and Methodology behind the Study on Development of a Centralized ICT Platform | p. 5 |
| Recommendations of the Study | p. 6 |
| Note | p. 8 |
| Bangladesh Microfinance Market Overvie... MORE | p. 9 |
| Country Overview: Bangladesh | p. 9 |
| Microfinance Sector Overview | p. 12 |
| Microfinance Industry Regulators | p. 14 |
| Apex Funding Institution | p. 15 |
| Microfinance Market Size and Major Players | p. 18 |
| Microfinance Networks | p. 22 |
| Formal Financial Sector | p. 24 |
| Remittances | p. 26 |
| Credit Bureaus | p. 27 |
| Microfinance Products and Services | p. 27 |
| Regulatory Regime | p. 31 |
| Market Potential for Growth | p. 31 |
| Market Outreach | p. 33 |
| Other Market Considerations | p. 33 |
| Market Challenges | p. 34 |
| Notes | p. 35 |
| The Proposed Centralized ICT Platform | p. 37 |
| The Role of ICT in Meeting Bangladesh's Microfinance Market Challenges | p. 37 |
| Microfinance Technology: The Traditional Way | p. 40 |
| Centralized ICT Platform: The New Paradigm | p. 44 |
| How to Develop a Centralized ICT Platform | p. 52 |
| Emerging International Practices | p. 55 |
| New Innovations | p. 55 |
| Case Studies: Centralized Platforms for Microfinance | p. 57 |
| Other Efforts Under Way | p. 66 |
| Creating an Enabling Environment: Policy and Regulations | p. 67 |
| Enabling Microfinance Regulations | p. 68 |
| Enabling Financial Sector Regulations and Applications | p. 69 |
| Enabling ICT and Electronic Data Regulations | p. 74 |
| Going Forward | p. 78 |
| Notes | p. 80 |
| Technology Design | p. 81 |
| Models of Technology Deployment | p. 82 |
| The Building Blocks | p. 83 |
| Basic Capabilities | p. 86 |
| Catering to Multiple Users | p. 87 |
| Adapting to Individual Needs | p. 88 |
| Connecting to the Platform | p. 89 |
| Institutional Design | p. 93 |
| Institutional Purpose and Principles | p. 93 |
| Institutional Approaches | p. 95 |
| Analysis of Potential Approaches | p. 98 |
| Recommended Approach | p. 101 |
| Organizational Model | p. 101 |
| Note | p. 103 |
| Cost Projections | p. 105 |
| The Methodology | p. 106 |
| The Assumptions | p. 107 |
| The Cost | p. 108 |
| Sensitivity Analysis | p. 109 |
| Conclusions and Recommendations | p. 113 |
| Conclusions | p. 113 |
| Specific Recommendations | p. 115 |
| Appendix Costing Tables | p. 117 |
| Works Cited and Other Resources | p. 121 |
| Index | p. 125 |
| Figures | |
| Interest Rates | p. 11 |
| Cumulative Microfinance Loan Disbursements, December 2006 | p. 13 |
| Bangladesh Microfinance Players | p. 14 |
| Active Borrowers by MFI Class | p. 19 |
| Growth in PKSF's Microenterprise Loan Portfolio | p. 32 |
| Technology Use within MFIs and the Microfinance Industry | p. 41 |
| Role of a Centralized ICT Platform | p. 46 |
| Use of Technology by MFIs to Provide New Products | p. 49 |
| Technology Use to Overcome Overlap | p. 50 |
| Technology and Provision of Safety Nets | p. 50 |
| Technology and Provision of Accurate Online Data | p. 51 |
| Integration of the Financial Sector | p. 51 |
| Table of Contents provided by Ingram. All Rights Reserved. |
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