1112微小企业贷款介绍、目标客户及产品设计.pptVIP

* * * This slide presents the different levels in the enterprise or business pyramid. The base of the pyramid is where most enterprises are classified and although they comprise close to half of the enterprises classification, these segment is largely un-banked; due to small business sizes, this segment has little or no access to financial products and services which they need to grow their businesses. It is this market segment that is specifically targeted by institutions providing microfinance. The microenterprise sector is further sub-divided into three categories: click each category and explain before showing the next category SUBSISTENCE MICROENTERPRISE – which are characterized by the following: No stable location; usually street vendors with limited market Do not keep records Combined management of family/business cash Few assets inventory fixed assets ; usually only have enough capital to support one business cycle No capacity for savings or expanding the business Little or no variety of products No division of labor: no employees Minimal technical management training Limited debt capacity No access to traditional lending institutions STABLE MICROENTERPRISE Stable business location Low levels of inventory, machinery equipment Just beginning to use somewhat skilled labor Operations financed by informal sources suppliers Combined management of family/business cash Provide a variety of products Capacity for some investments Some capacity for savings from business income Some employees other than family members GROWTH MICROENTERPRISES Keeps ample inventory Has credit relationships with clients suppliers Keeps records of business operations Keeps family/business finances separate Has a defined management structure Fixed assets with an acceptable technology level Capacity to save invest Division of labor; employees paid based on qualifications Of the three sub-categories of microenterprises, it is business that are classified as STABLE and