By John Vong, Insu Song

This e-book introduces inclusive-cost-effective (ICE) methods that experience the aptitude to remodel all facets of day-by-day lives of individuals on the base of the pyramid within the financial scale, who characterize greater than seventy five% of the realm inhabitants. ICE signifies that the methods needs to meet the affordability point on the base of the pyramid. This contains cellular banking and monetary provider applied sciences, cellular schooling, rural info and conversation applied sciences, telemedicine, e-Health, and health and wellbeing social networks. This monograph is a mandatory examining for not just expertise innovators, but additionally economists, social marketers, improvement experts, health and wellbeing experts, bankers and researchers and coverage thinkers on expertise and fiscal development.

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4. 5. Risk sharing facilities with banking and non-banking partners Equity/capital Credit insurance Loans/credit lines Supply chain finance and distributor finance IFC also offers Advisory Services so that financial institutions can reach out more effectively to women entrepreneurs. These services include: staff training, segmentation or market positioning, strategic planning and product repositioning.

Harvard Bus Rev 82 (11):131–140 Kee R, Schmidt C (2000) A comparative analysis of utilizing activity-based costing and the theory of constraints for making product-mix decisions. Int J Prod Econ 63(1):1–17. 1016/ S0925-5273(99)00005-5 Khataie AH, Bulgak AA, Segovia JJ (2011) Activity-based costing and management applied in a hybrid decision support system for order management. Decis Support Syst 52(1):142–156. 003 Kotler P (1976) Marketing management: analysis, planning and control. Prentice-Hall International, Englewood Cliffs Koveos P, Randhawa D (2004) Financial services for the poor: assessing microfinance institutions.

13 Collateral helps align borrowers’ intentions with those of the bank and provides a security in case of loan defaults. Banks also need timely and accurate information and continued updating of accounting records. However the low-income households and individuals are the primary clients of microfinance institutions. They do not have financial resources of financial assets to offer as collateral to guarantee their loans. They do not normally have a credit history. As such they are excluded from the formal financial sector.

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