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Dinosaurs and Rabbits – Indian Microfinance Market Evolution
The microfinance world is changing - very fast. Because different clients have different needs and no one product or microfinance player is going to meet all needs. If microfinance is to deliver on its promise it must evolve and adapt in a way which meets clients’ needs more...
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MicroSave is undertaking a series of research studies to support the financial inclusion agenda in India and explores:
The financial instruments and channels currently used by the poor to save and remit money;
Needs/perceptions of the low income segment for savings and...
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Micropensions: The Scope and Progress to Date
Country Focus Notes Author: Premasis Mukherjee and Ritika SrivastavaPublished: March 29, 2012
Abstract:
This Note assesses if there is an adequate business case for micropensions in India. It also identifies the uniqueness in the existing micropension models in India. Delivering a long term savings instrument like pensions to the low income segment is a huge distributional as well as behavioural challenge. The success of any micropension scheme will ultimately depend upon:
- The level of trust a distributor enjoys from its clients, which is essential for a long term association;
- The outreach of the distributor, to bring scale;
- Efficiency, to handle operations in a timely manner, and
- The revenue model of the scheme, which will decide whether the commission is sufficient to motivate the distributor to mobilise resources.
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