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Advanced Technologies for Microfinance

Book Description

In today’s global society, microfinance affords lower income individuals the opportunity to improve their economic situation through a democratic, market-based process. is the first book to systematically address technology’s impact on microfinance. It discusses a wide variety of technology applications that will define the next generation of the microfinance movement and it addresses the tough questions surrounding technology in microfinance. For instance, what are the disadvantages of technology-enabled microfinance and what will it mean for the inclusiveness and empowerment of the service? This dynamic collection is a must-have for anyone interested in microfinance, whether you are a donor, lender, or investor.Advanced Technologies for Microfinance: Solutions and Challenges

Table of Contents

  1. Cover
  2. Title Page
  3. Copyright page
  4. Editorial Advisory Board and List of Reviewers
    1. EDITORIAL ADVISORY BOARD
    2. TECHNICAL ADVISORY BOARD
  5. Foreword
  6. Preface
  7. Acknowledgment
  8. Section 1: Information Technology for MFIs
    1. Chapter 1: Stakeholder Analysis of IT Applications for Microfinance
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. STAKEHOLDER ANALYSIS & QUANTIFICATION OF KEY REQUIREMENTS
      5. FUTURE RESEARCH DIRECTIONS
      6. CONCLUSION
    2. Chapter 2: Free & Open Source Software for Microfinance
      1. ABSTRACT
      2. INTRODUCTION: DIFFICULTIES OF PROVIDING FINANCIAL SERVICES TO THE POOR
      3. BACKGROUND: WHY SMALL MICROFINANCE ORGANIZATIONS ARE NEEDED
      4. MAIN TOPIC: FREE AND OPEN SOURCE SOFTWARE
      5. FURTHER RESEARCH DIRECTIONS
      6. CONCLUSION
    3. Chapter 3: IT and MIS in Microfinance Institution Effectiveness and Sustainability Issues
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND: CHALLENGES IN SUSTAINING MIS IN MFIS
      4. CHALLENGE I: MFIS ARE DIFFERENT FROM COMMERCIAL BANKS
      5. CHALLENGE II: INFRASTRUCTURE ISSUES IN IMPLEMENTING MIS, IN MFIS
      6. CHALLENGE III: LACK OF IT SUPPORT IN MFIS
      7. CHALLENGE IV: LACK OF ORGANIZED TRAINING IN IT FOR THE MFI EMPLOYEES
      8. CHALLENGE V: LACK OF STANDARDIZATION OF PROCESSES AND PROCEDURES
      9. A SUSTAINABLE MIS FOR MICROFINANCE
      10. EFFECTIVE MIS
      11. FRAMEWORK FOR EFFECTIVE MIS
      12. CONCLUSION
    4. Chapter 4: Automating MFIs
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. HOW FAR SHOULD WE AUTOMATE MFIS?
      5. FUTURE RESEARCH DIRECTIONS
      6. CONCLUSION
      7. APPENDIX
    5. Chapter 5: A Case Study of Mifos Implementation at Asomi
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. EVALUATING MIFOS
      5. FUTURE RESEARCH AND DEVELOPMENT
      6. CONCLUSION
      7. APPENDIX
    6. Chapter 6: Implementing Point of Sale Technology in Microfinance
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. MAIN TOPIC: STUDY ON POS IMPLEMENTATION
      5. FUTURE RESEARCH DIRECTIONS
      6. CONCLUSION
  9. Section 2: Mobile Banking
    1. Chapter 7: Predicting the Attitude toward Mobile Financial Services in Developing Countries
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. PREDICTING THE ATTITUDE TOWARD MOBILE FINANCIAL SERVICES
      5. FUTURE RESEARCH DIRECTIONS
      6. CONCLUSION
    2. Chapter 8: A Technology Requirements and Governance Framework for Rural Microfinance
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. THE CASE FOR A TECHNOLOGY REQUIREMENTS AND GOVERNANCE FRAMEWORK
      5. FUTURE RESEARCH DIRECTIONS
      6. CONCLUSION
    3. Chapter 9: Saving through the Mobile
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. MAIN TOPIC: EVIDENCE FROM THE FINANCIAL DIARIES OF M-PESA USERS IN KENYA
      5. THE FINDINGS
      6. FUTURE RESEARCH DIRECTIONS
      7. CONCLUSION
    4. Chapter 10: Can Information and Communication Technologies Improve the Performance of Microfinance Programs?
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. FUTURE RESEARCH DIRECTIONS
      5. CONCLUSION
      6. APPENDIX A
      7. APPENDIX B
  10. Section 3: Online Financing for MicrofinanceIntroduction
    1. Chapter 11: Marketing Analysis of Emerging Peer-to-Peer Microlending Websites
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND: FROM MICROFINANCE TO SOCIAL LENDING
      4. MARKETING ANALYSIS OF ONLINE SOCIAL LENDING
      5. FUTURE RESEARCH
      6. CONLUSION
    2. Chapter 12: The Use of Web 2.0 Technologies in Online Lending and Impact on Different Components of Interest Rates
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. IS ONLINE LENDING USING PLATFORM TECHNOLOGY TO REDUCE TRANSACTION COSTS?
      5. FUTURE RESEARCH DIRECTIONS
      6. CONCLUSION
    3. Chapter 13: EDA CapitalConnect
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. THE EDA CAPITALCONNECT OFFERING
      5. PERFORMANCE TO DATE
      6. CHALLENGES, AND LESSONS LEARNED
      7. THE FUTURE OF EDA CAPITALCONNECT
  11. Section 4: Technical, Regional and Sectoral Issues
    1. Chapter 14: The Role of Credit Scoring in Micro Lending
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. HOW DOES CREDIT SCORING FOR MICROFINANCE WORK?
      5. FUTURE RESEARCH DIRECTIONS
      6. CONCLUSION
    2. Chapter 15: A Systemic
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND: PRINCIPLES AND ELEMENTS OF SYSTEM DYNAMICS AND FUZZY LOGIC IN THE ASSESSMENT OF MICROFINANCE PROGRAMS’ IMPACT
      4. MEASURING THE IMPACT OF A MICROCREDIT PROGRAM UNDER A SYSTEMIC APPROACH USING FUZZY LOGIC
      5. FUTURE RESEARCH DIRECTIONS
      6. CONCLUSION
      7. APPENDIX 1
    3. Chapter 16: Microfinance from LDCS to DCS
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. THE EFFECT OF SOCIO-ECONOMIC CONDITIONS ON MF
      5. SUGGESTIONS FOR FUTURE RESEARCH
      6. CONCLUSION AND RECOMENDATIONS
    4. Chapter 17: Information Technology and Microfinance in Developed Countries
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND
      4. IS THERE A STRATEGIC USE OF INFORMATION TECHNOLOGY IN THE SPANISH MICROFINANCE SECTOR?
      5. FUTURE RESEARCH DIRECTIONS
      6. CONCLUSION
    5. Chapter 18: Portal to Portaloo
      1. ABSTRACT
      2. INTRODUCTION
      3. BACKGROUND: OPEN DEFECATION—SCOURGE OF THE POOR
      4. A MARKETPLACE-BASED SOLUTION
      5. FURTHER RESEARCH DIRECTIONS
      6. CONCLUSION: “9-TO-1”: THE RETURNS ON SANITATION INVESTMENT
  12. Compilations of References
  13. About the Contributors