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The Centre for Micro FinanceA comprehensive approach of Microfinance Karachi November 1st, 2006 Agenda Microfinance in India: an overview The Centre for Micro Finance Research Unit MFI Strategy Unit Microfinance: who are the targeted clients? Microfinance: what is it? The challenge ahead: demand vs. supply gap to bridge Constraints overcome those challenges? Thus the need for institutions’ building Agenda Microfinance in India: an overview The Centre for Micro Finance Research Unit MFI Strategy Unit CMF’s objectives and mission Established in 2005 CMF’s objectives To address knowledge gaps in micro finance sector Experiment on ground solutions CMF’s mission Systematically research links between access to financial services and participation of poor in larger economy Participate in maximizing access to financial services CMF’s Objectives MSU and RU re-enforcement loop CMF collaborates with existing active players in the microfinance sector Agenda Microfinance in India: an overview The Centre for Micro Finance Research Unit MFI Strategy Unit These objectives translate into 4 Research areas to maximize microfinance impact Impact and experimentation “Micro-credit has been changing peoples lives and revitalizing communities” UN, 2005, Year of micro-credit Product design: credit Improve communication strategies How do households face shocks and risk? What drives savings and credit behavior? Why do people default (and why don’t they)? Why don’t households adopt the most profitable activities? Why don’t people adopt useful financial services? Microfinance Plus: address contextual constraints Organizational and financial issues What is the debt capacity of clients? Can they absorb higher loan sizes? How can MFIs analyze better their clients’ debt capacity and capacity to repay? Role of MIS in info management Policy issues What are regulatory obstacles to MFIs? What are the consequences of competition and how to