mercredi 29 février 2012

Less than 10% microenterprises grow into small enterprises

Microfinance Focus, February 25, 2012: In a recent survey conducted by CGAP to understand the current and potential role of microfinance institutions with regard to serving small enterprises, 40 percent of the reporting MFIs said that less than 10 percent of their microenterprise clients grow to become small enterprises.
More than 350 MFIs from 69 countries participated in the survey and most of them claimed that serving small enterprises is part of their business strategy.
While small enterprises are more formal than micro, informality is widespread in all regions with the exception of Eastern Europe and Central Asia (ECA).
Compared to micro enterprises, small enterprises are less often led by women, especially in MENA (Middle East and North Africa) and ECA, where only about 20 percent of small enterprises are led by women.
According to the survey, MFIs’ small enterprise portfolio is increasing and the highest increase is recorded in EAP, Latin America and the Caribbean and Sub-Saharan African region.
Business growth opportunities and following micro clients over time were sighted as the two main reasons for microfinance institutions to serve small enterprises.
Although commercial banks, credit unions, and microfinance banks have separate methodology for small enterprise risk assessment, NGOs, NBFIs and rural banks don’t have a separate one.
Moreover, 44 percent of MFIs do not monitor micro and small enterprise portfolio separately and most MFIs do not have dedicated staff/department to serve small enterprises.
Lack of appropriate risk assessment methodology, high competition from banks and other providers and lack of financial statements are the top three internal, external and enterprise-level challenges respectively that MFIs come across in serving small enterprises
However, MFIs feel that client-focused approach, commitment from top management and dedicated staff, strong risk management, flexible products and delivery are the key success factors for successfully serving small enterprises.

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