Ghiyazuddin Mohammad

Ghiyazuddin Mohammad is a Senior Policy Manager- Digital Financial Services at Alliance for Financial Inclusion (AFI),Kuala Lumpur, Kuala Lumpur, Malaysia.

Ghiyazuddin A. Mohamma worked as a Manager in MicroSave’s Digital Financial Services (DFS) domain with more than seven years of experience in digital financial services (DFS), microfinance and advisory services. He has worked in various projects with banks, mobile network operators (MNOs), government institutions, agent network managers, MFIs and community-owned financial institutions in India, Nepal, the Philippines, and Indonesia. Currently, he is based in Indonesia with a special focus on financial inclusion/DFS related initiatives. His area of expertise includes DFS strategy, G2P payments, market research, concept testing, product development, costing and pricing of financial products, field assessments, and monitoring and control systems.

Posts by Ghiyazuddin Mohammad

Andhra Pradesh MFI Crisis and its Impact on Clients

This paper features findings related to multiple borrowing, household indebtedness, loan purpose and client perspectives on availability of financing. Both studies validate the fact that the members of the community face issues raising credit in the absence of MFIs.

Why Do People Not Join or Drop Out of SHGs?

MicroSave conducted this study to assess the reasons for women not joining or dropping out from SHGs in Andhra Pradesh, and to provide recommendations to financial service providers to address the issues and concerns of clients by devising appropriate solutions.

What Are Clients Doing Post The AP MFI Crisis?

MicroSave conducted this study to examine the impact of the Andhra Pradesh crisis on borrowers, by collating client experiences, opinions and needs so as to help policy makers and key actors to devise solutions suited to client requirements.

Banks: The Preferred Remittance Services

This Note discusses the features of two agent-based remittance models introduced by banks

What are clients doing post the Andhra Pradesh MFI crisis?

MicroSave conducted this study to examine the impact of the Andhra Pradesh crisis on borrowers, by collating client experiences, opinions and needs so as to help policy makers and key actors to devise solutions suited to client requirements.

Sustainability of BC Network Managers (BCNMs) – Business Scenarios and its Effects

This Note reveals results from analyses of three different scenarios that played out over time for one of MicroSave’s partners and how each influenced customer enrolments, transactions and revenues.

Sustainability of BC Network Managers (BCNMs) – Review of Commission Structures

The objective of this note is to present common ways banks use to compensate BCNMs for various services and provide an indication of commissions that may be relatively more rewarding.

Sustainability of BC Network Managers (BCNMs) in India – How are BCNMs Paid?

This Note examines the different product revenue drivers based on how banks remunerate BCNMs, provides an overview on different commission calculation methods adopted by banks, and analyses different scenarios.