Babyloan MFI Presentation (EN)

A project by Expanding low cost funding horizons for MFIs Partnered with

What is Babyloan? 1 Online platform that gives MFIs access to free loans from social lenders in Europe, helping them expand their entrepreneur outreach 0. Regular MFI operations 3. Babyloan pools investments and forwards balance (New Loans less Repayments) to MFI each month 4. MFI sends monthly reports through Babyloan to update internet user on the status of their loan 1. MFI selects a number of entrepreneurs. Information on these clients is collected and entered into the Babyloan system, and is subsequently posted on the website. 2. Internet user browses Babyloan.org, chooses an entrepreneur they wish to support, and sends the loan through Babyloan to the corresponding MFI 5. At the end of the loan term, MFI forwards repayment and final report to internet user through Babyloan

Benefits of Babyloan partnership for MFIs 2 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Who are we? 3 Regional bank with strong mutualist identity endowed with a worldwide network ,[object Object],[object Object],NGO ACTED’s supports vulnerable populations in 24 countries and is a pioneer in micro finance Cooperative bank specialized in social economy, partner of many development projects

Step 1. MFIs Input initial data 4 Input initial data Receive balance from Babyloan Provide simple monthly reports + ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Entrepreneur information Entrepreneur profiles viewed by social lender via Babyloan + Short descriptive write-up (3-4 sentences) ,[object Object],[object Object],X Input initial data Receive balance from Babyloan Provide simple monthly reports X Input initial data Receive balance from Babyloan Provide simple monthly reports Impact measure input +

Step 2. MFIs Receive balance from Babyloan 5 Babyloan pools money from social investors. At the end of each month, they forward the balance (new loans less repayments) to the MFI. New Loans New Loans €30,000 Repayments on Old Loans € 12,000 € 18,000 Balance forwarded to partner € 30,000 Input initial data X Receive balance from Babyloan Provide simple monthly reports Impact measure input ,[object Object],[object Object],Babyloan MFI partner

Step 3. MFIs provide simple monthly reports ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Monthly Report New entrepreneur Search entrepreneur Search Credit Contact Exit Questionnaire ,[object Object],[object Object],[object Object],Input initial data Receive balance from Babyloan X Provide simple monthly reports Impact measure input AGREE DELINQUENT

STEP 3bis. MFIs reports delinquencies 7 Benefits Increased authenticity of site Increased transparency Less automated, more customated Preformatted screen with minimal input data Better Babyloan rating of MFI if MFI dedicates time to reports Social investors feel the site is authentic and are willing to invest more Increased funds for MFI Disadvantages Time spent on identifying delinquent entrepreneur May deteriorate image of entrepreneur if defaulting on loans X Repaid X Repaid X Default Why report delinquencies? Input initial data Receive balance from Babyloan X Provide simple monthly reports Impact measure input

Step 4. MFIs input exit data 8 MFIs answer short exit questionnaire for entrepreneurs at the end of the loan term. ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Input initial data Receive balance from Babyloan Provide simple monthly reports X Impact measure input Monthly Report New entrepreneur Search entrepreneur Search Credit Contact Exit Questionnaire

Minimising and easing the reporting 9 Once the initial data entry is finished, reporting is quick and easy. Load of reporting 1 2 3 4 5 6 Months Initial data input Monthly reports Impact measure input Load X Input initial data Receive balance from Babyloan X Provide simple monthly reports X Impact measure input

Relationship between Actors 10 MFIs General Public €€€ info INCREASED FUNDING Loan tracking software (optional) Reporting Repayment Loans (0% interest)

Conclusion 11 Revolutionary tool giving MFIs access to European public funding Low cost – free debt capital in exchange for information Partnership built on solid experience (ACTED, BRED, Groupe Credit Cooperatif) and trust Simplified reports 100% Repayment Entrepreneur profiles 100% Repayment 100% Loans 100% Loans Repayments with interest Loans 0% Interest Babyloan ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Entrepreneur

Contact 12 153 Boulevard Haussmann 75008 Paris – France [email_address] +33-1 42 25 83 60 +33-1 42 25 83 57 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Become Babyloan partner on www.babyloan.org

Babyloan MFI Presentation (EN)

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