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#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
THE NEW GENERATION OF
INNOVATIONS IN MICROFINANCE
Marta Bekerman
• Senior Researcher and Full Professor of the
University of Buenos Aires
• President Asociación Civil AVANZAR por el
Desarrollo Humano
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
• Need to develop innovative proyects to face
social exclusion.
• The end of poverty cannot be seen as an
automatic result of the market forces.
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
• Problems faced by the subsistance microenterprises
• Brief presentation of the Asociación AVANZAR
• Activities developed under the programme “Vos Podes
AVANZAR”
• Results
• Some reflections.
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
Problems face by
microenterprises
Free entry of competitors
Demand limitations
Low levels of production
Lack of finance
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
• Lack or accounting registration that could show the inflow and outflow of
money and other type of actives
• Lack of promotion and comercialization strategies
• Lack of knowledge about the rol and existance of their competitors
• Non existance of a bussines plan to be able to carry out a more efficient
management and folow its evolution in time
• Progresiva disacumulation of capital as a consequence of not taking into
account the depreciation of fix capital as one of the business costs
MAIN OBSTACLES IN THE SHORT RUN
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
• Insuficient determination of some fix costs
including their own salaries.
• Uncertainty and lack of information dont
allow them for an optimum resources
asignation. They adjust their activity just to
get some level of subsistance
MAIN OBSTACLES IN THE SHORT RUN
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
• Low level of investment that limits their possibilites of
expansion just to simple capital reproduction
• No invesment in new fix capital (machinery) even, in many
cases, su replace amortized capital.
• Lack of diversification of products and of innovation as a
strategy to improve the insertion in the markets.
• No development of economes of scale because of very low
levels of production
MAIN OBSTACLES IN THE LONG RUN
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
NO INVESTMENT
FREE ENTRY OF COMPETITORS
LIMITS OF DEMAND
PRODUCTION LOWER THAN AN OPTIMUM LEVEL
NO INVESTMENT
REPRODUCTION OF SUBSISTANCE BEHAVIORS
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
Growt of
microenterprises en
Latin América
As viable alternatives for
people that are out of
the working market
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
“ 93% of the
microenterprises dont
reach the second year
of life”
Source : Asociación Argentina para
el Desarrollo de la Pequeña y
Mediana Empresa
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
•PROBLEMS LINK TO MARKET FAILURES OR
MARKET EFFICIENCY. Lack of acces to the
market credit. Needs public regulation
•FOR EQUITY REASONS. Needs aditional
things
WHY MICROFINANCE PROJECTS?
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
• Is better not to do it because is negative for
the sustentability of the IMF
• Microfinance can be potenciated by training
to get a qualitative improvement in the quality
of life of the microentrepreneurs
WHY TRAINING ? DEBATE ABOUT THE ROLE OF
TRAINING IN MICROCREDITS PROGRAMMES
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
The training procees allows …
To improve the
quality and
solvency
To make stronger
the relationship
between the
institution and the
entrepreneur
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
Asociación civil sin fines de lucro
Microcréditos y
capacitaciones
en Buenos Aires
#17MCSum
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17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
• IT WAS CREATED 15 YEARS AGO BY PROFESSORS
AND RESARCHERS OF THE UNIVERSITY OF BUENOS
AIRES.
• Its objective is to contribute to the development of
capabilities and the improvemement in the level of
living of people of with poor resources, throw the
acces to credit, training and social interaction.
THE AVANZAR ASOCIATION
#17MCSum
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17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
¿Which is the
contribuition of Avanzar
in this context?
Microcredits Training,
Tutorials and
Articulations
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
Ciudad Oculta…
#17MCSum
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17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
Ciudad Oculta
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
• Ciudad Oculta
• Los Piletones y Villas Aledañas
• Fatima
• Villa 20
• Carrillo
• Barrio de Soldati
SHANTY TOWNS WHERE AVANZAR
WORKS
#17MCSum
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17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
• OBJECTIVES
• a) To sensibilize 1.000 emprendedores;
• b) To train 500 emprendedores in entrepreneurial
managment.
• c) To offer technical assistance to the
emprendedores, taking into account their
particular needs.
• d) To articulate the microentreprises through the
development of value chains.
PROGRAMME VOS PODES AVANZAR
#17MCSum
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17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
-Sensibilization to promote the incorporation of the
microempresarios to the programme.
-Training worshops to improve their capabilities :
-In managment, costs registration and sales.
-In specific activities: textils, hairdressing, computing
, -Tutoriál work oriented to improve their business situation.
-Articulations with enterprises to expand their demanda.
PROGRAMME ACTIVITIES
#17MCSum
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17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
• Improvements in the field of registration, comercialization,
organization and monterary diferentiation between the business
and home expenses.
• An improvement in the position of the institution regarding its
image and prestige in the areas and the a fidelization of the
loaners.
• The articulations made possible to incorporate innovative working
experiences as well as new relations with enterprises of the formal
market.
• Not always it resulted in the elimination of poverty , but certainly in
an improvement in the quality of living and a reduction of the
vulnerability.
Main programme efects
#17MCSum
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17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
Logros del programa
Fortalecimiento de los proyectos:
aumento de los activos y mejora
en gestión, control de costos y
ventas
Bases para futuros vínculos
asociativos y de cooperación
Creación de una significativa red
de emprendedores
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
 It is very important that the trainers and tutors
could adapt to the each microentrepreneur
condition
 Very strong impact of the tutorial work. It allows to
reach an estrategic view wich goes much further
than the every day answer.
 The tutors should not offer all the solutions but
facilitate the undrestanding of the problems and
offer different alternativas to solve them.
SOME REFLECTIONS
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
 In some productive chains, such us textiles, the
demand conditions put clear limits to go further
than basic fabrication in spite of the fact that they
show potencial condicions to offer better quality and
design.
 The promotion of articulations should be link to a
strategy of formalization of the economic circuits to
reach a more equitative distribution of the benefits.
SOME REFLECTIONS
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
A NEW PROGRAMME OF E-COMMERCE FOR THE
MICROENTREPRENEURS IS BEING DEVELOPED.
IT INCLUDES:
A digital alfabetization project for the youth of the areas
involved,.
The implementation of internet nodos where the
microentrepreneurs will be able to came to learn about the
new technologies and introduce their products in e-commerce.
Development of a logistic infraestructure for the delivery of
the oriduct to the buyers.
THE NEXT STEPS
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
#17MCSum
mit
17TH MICROCREDIT SUMMIT
GENERATION NEXT: INNOVATIONS IN MICROFINANCE
»MUCHAS GRACIAS

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Marta Bekerman --The Next Generation of Innovations: A Medley of Products, Services & Programs Paving the Way in Microfinance

  • 1. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE THE NEW GENERATION OF INNOVATIONS IN MICROFINANCE Marta Bekerman • Senior Researcher and Full Professor of the University of Buenos Aires • President Asociación Civil AVANZAR por el Desarrollo Humano
  • 2. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE • Need to develop innovative proyects to face social exclusion. • The end of poverty cannot be seen as an automatic result of the market forces.
  • 3. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE • Problems faced by the subsistance microenterprises • Brief presentation of the Asociación AVANZAR • Activities developed under the programme “Vos Podes AVANZAR” • Results • Some reflections.
  • 4. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE Problems face by microenterprises Free entry of competitors Demand limitations Low levels of production Lack of finance
  • 5. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE • Lack or accounting registration that could show the inflow and outflow of money and other type of actives • Lack of promotion and comercialization strategies • Lack of knowledge about the rol and existance of their competitors • Non existance of a bussines plan to be able to carry out a more efficient management and folow its evolution in time • Progresiva disacumulation of capital as a consequence of not taking into account the depreciation of fix capital as one of the business costs MAIN OBSTACLES IN THE SHORT RUN
  • 6. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE • Insuficient determination of some fix costs including their own salaries. • Uncertainty and lack of information dont allow them for an optimum resources asignation. They adjust their activity just to get some level of subsistance MAIN OBSTACLES IN THE SHORT RUN
  • 7. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE • Low level of investment that limits their possibilites of expansion just to simple capital reproduction • No invesment in new fix capital (machinery) even, in many cases, su replace amortized capital. • Lack of diversification of products and of innovation as a strategy to improve the insertion in the markets. • No development of economes of scale because of very low levels of production MAIN OBSTACLES IN THE LONG RUN
  • 8. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE NO INVESTMENT FREE ENTRY OF COMPETITORS LIMITS OF DEMAND PRODUCTION LOWER THAN AN OPTIMUM LEVEL NO INVESTMENT REPRODUCTION OF SUBSISTANCE BEHAVIORS
  • 9. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE Growt of microenterprises en Latin América As viable alternatives for people that are out of the working market
  • 10. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE “ 93% of the microenterprises dont reach the second year of life” Source : Asociación Argentina para el Desarrollo de la Pequeña y Mediana Empresa
  • 11. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE •PROBLEMS LINK TO MARKET FAILURES OR MARKET EFFICIENCY. Lack of acces to the market credit. Needs public regulation •FOR EQUITY REASONS. Needs aditional things WHY MICROFINANCE PROJECTS?
  • 12. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE • Is better not to do it because is negative for the sustentability of the IMF • Microfinance can be potenciated by training to get a qualitative improvement in the quality of life of the microentrepreneurs WHY TRAINING ? DEBATE ABOUT THE ROLE OF TRAINING IN MICROCREDITS PROGRAMMES
  • 13. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE The training procees allows … To improve the quality and solvency To make stronger the relationship between the institution and the entrepreneur
  • 14. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE Asociación civil sin fines de lucro Microcréditos y capacitaciones en Buenos Aires
  • 15. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE • IT WAS CREATED 15 YEARS AGO BY PROFESSORS AND RESARCHERS OF THE UNIVERSITY OF BUENOS AIRES. • Its objective is to contribute to the development of capabilities and the improvemement in the level of living of people of with poor resources, throw the acces to credit, training and social interaction. THE AVANZAR ASOCIATION
  • 16. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE ¿Which is the contribuition of Avanzar in this context? Microcredits Training, Tutorials and Articulations
  • 17. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE Ciudad Oculta…
  • 18. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE Ciudad Oculta
  • 19. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE • Ciudad Oculta • Los Piletones y Villas Aledañas • Fatima • Villa 20 • Carrillo • Barrio de Soldati SHANTY TOWNS WHERE AVANZAR WORKS
  • 20. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE • OBJECTIVES • a) To sensibilize 1.000 emprendedores; • b) To train 500 emprendedores in entrepreneurial managment. • c) To offer technical assistance to the emprendedores, taking into account their particular needs. • d) To articulate the microentreprises through the development of value chains. PROGRAMME VOS PODES AVANZAR
  • 21. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE -Sensibilization to promote the incorporation of the microempresarios to the programme. -Training worshops to improve their capabilities : -In managment, costs registration and sales. -In specific activities: textils, hairdressing, computing , -Tutoriál work oriented to improve their business situation. -Articulations with enterprises to expand their demanda. PROGRAMME ACTIVITIES
  • 22. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE • Improvements in the field of registration, comercialization, organization and monterary diferentiation between the business and home expenses. • An improvement in the position of the institution regarding its image and prestige in the areas and the a fidelization of the loaners. • The articulations made possible to incorporate innovative working experiences as well as new relations with enterprises of the formal market. • Not always it resulted in the elimination of poverty , but certainly in an improvement in the quality of living and a reduction of the vulnerability. Main programme efects
  • 23. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE Logros del programa Fortalecimiento de los proyectos: aumento de los activos y mejora en gestión, control de costos y ventas Bases para futuros vínculos asociativos y de cooperación Creación de una significativa red de emprendedores
  • 24. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE  It is very important that the trainers and tutors could adapt to the each microentrepreneur condition  Very strong impact of the tutorial work. It allows to reach an estrategic view wich goes much further than the every day answer.  The tutors should not offer all the solutions but facilitate the undrestanding of the problems and offer different alternativas to solve them. SOME REFLECTIONS
  • 25. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE  In some productive chains, such us textiles, the demand conditions put clear limits to go further than basic fabrication in spite of the fact that they show potencial condicions to offer better quality and design.  The promotion of articulations should be link to a strategy of formalization of the economic circuits to reach a more equitative distribution of the benefits. SOME REFLECTIONS
  • 26. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE A NEW PROGRAMME OF E-COMMERCE FOR THE MICROENTREPRENEURS IS BEING DEVELOPED. IT INCLUDES: A digital alfabetization project for the youth of the areas involved,. The implementation of internet nodos where the microentrepreneurs will be able to came to learn about the new technologies and introduce their products in e-commerce. Development of a logistic infraestructure for the delivery of the oriduct to the buyers. THE NEXT STEPS
  • 27. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE
  • 28. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE
  • 29. #17MCSum mit 17TH MICROCREDIT SUMMIT GENERATION NEXT: INNOVATIONS IN MICROFINANCE »MUCHAS GRACIAS

Hinweis der Redaktion

  1. Principales problemas de las microempresas: baja inversión, libre entrada de competidores, limitación de la demanda, producción inferior a la óptima, falta de financiación.
  2. En América Latina, las microempresas se han convertido en una alternativa para elevar la calidad de vida de las personas que están fuera del mercado de trabajo.
  3. Sin embargo, los datos en nuestro país ponen de manifiesto las dificultades para sacar adelante los emprendimientos, en parte por la falta de recursos pero, en mayor medida, por las deficiencias en materia de producción, comercialización y, sobre todo, gestión. Es fácil imaginar cómo estas carencias se acentúan en el caso de los emprendimientos de subsistencia de los barrios de emergencia del sur de BsAs en los que trabajamos.
  4. Ventajas de la capacitación: 1) Microempresarios más capacitados para gestionar sus negocios pueden incrementar sus ingresos, pagar sus créditos y mejorar la calidad de sus emprendimientos; 2) Genera una relación más profunda de compromiso y lealtad con la institución, lo que nos permite establecer nuevos programas.
  5. Queremos ampliar las macetas, para que la semilla que hay en todas las personas pueda desplegar todo su potencial.
  6. En este contexto, Avanzar ha puesto en marcha, con el apoyo del BID, el programa “Vos podés avanzar”, para el desarrollo de capacidad empresarial en microempresas de subsistencia; tiene el propósito de sumar los beneficios de la capacitación de los emprendedores a nuestra experiencia previa en la gestión de microcréditos. La idea central es que la capacitación es un elemento clave no ya para conseguir una adecuada respuesta al crédito sino, sobre todo, para apoyar la viabilidad y sostenibilidad de los proyectos.
  7. Uno de los grandes logros ha sido el impacto cualitativo que ha tenido el programa en cuanto a la mejora de la confianza de los emprendedores. Gracias a las capacitaciones, las tutorías y las articulaciones no sólo se les ha ayudado a mejorar la gestión de sus proyectos, sino también a dar el salto desde la producción a la venta en condiciones justas de sus productos, aprendiendo a utilizar criterios comerciales y a tratar con los clientes.