EMN CONFERENCE Internet-based information technology in microfinance - Improving the quality of services London June 2010

Overview Established in 1991 Activities: microcrediting/microfinance more than 2000 clients to date 281 active clients EUR 13 M disbursed to date average loan size: EUR11 – teaching entrepreneurial knowledge Internet-based service providing system used by 12 LEA Giordano Dell’Amore Award Jasmine TA Regional Foundation for Enterprise Promotion of the Town of Székesfehérvár Fejér Enterprise Agency ®

Target groups: Credit brokersClientsMFIs online credit application

webshop wizard check-list remote help online credit application Online credit application

Target groups: Credit brokersClientsMFIs online credit application financial analysis

Target groups: Credit brokersClientsMFIs online credit application financial analysis company browser

Target groups: Credit brokersClientsMFIs online credit application financial analysis company browser microsites

Target groups: Credit brokersClientsMFIs online credit application financial analysis company database microsites credit assessment

Credit Assessment Management: Starting the electronic process Preparatory phase Expert evaluation Electronic voting Closing the electronic process

Credit Assessment Management: Starting the electronic process Starting the electronic process Preparatory phase Expert evaluation Electronic voting Closing the electronic process Credit co-ordinator Tasks: to assign committee members to determine quorum to set possible closing date to set , sms sending functions

Credit Assessment Management: Starting the electronic process Preparatory phase Preparatory phase Expert evaluation Electronic voting Closing the elctronic process Tasks: Preparation credit details are checked necessary documents are uploaded Debtor rating scoring system on-site visit personal interview checking past financial performance

Credit Assessment Management: Starting the electronic process Preparatory phase Expert evaluation Expert evaluation Electronic voting Closing the electronic process O.K.

Credit Assessment Management: Starting the electronic process Preparatory phase Expert evaluation Electronic voting Electronic voting Closing the electronic process Approved

Credit Assessment Management: Starting the electronic process Preparatory phase Expert evaluation Electronic voting Closing the electronic process Credit co-ordinator