Commercialization of Microfinance: Philippines by Nimal Fernando

By Nimal Fernando

This document offers a framework for helping the improvement of sustainable microfinance structures that offer assorted, top of the range companies to often underserved low-income or bad families and their microenterprises. specifically, the sluggish commercialization of the Philippines's heterogeneous microfinance is explored, in addition to the rest demanding situations to sustainable microfinance in different international locations, together with inadequate realizing of the microfinancing technique and gradual circulation towards commercialization.

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Membership is composed of various types of cooperatives: 18% are pure credit cooperatives; 71% are multipurpose cooperatives, with savings and credit as the bulk of their business; 5% are consumer or marketing cooperatives; and the rest (6%) are service and producers’ cooperatives and a few cooperative rural banks. Members total more than 1 million individuals: farmers and fishers (24%), self-employed (21%), salaried workers (29%), housekeepers (16%), and students and other groups (10%). Efforts to strengthen the cooperative movement as a whole are being supported by a number of donor-funded projects.

Salary-based) loans that may be borrowed from rural banks for microenterprise purposes. 8 million poor 33 households; market penetration is slightly less than 20%. HISTORICAL DEVELOPMENT AND TRENDS Market penetration is highest around urban centers and highly populated rural areas outside Metro Manila. In general, commercial microfinance has made the most headway in areas with developed physical infrastructure and adequate social service provision. Such areas include San Fernando, Bacolod, and Davao as well as Cagayan de Oro in the three major island regions of Luzon, Visayas, and Mindanao, respectively.

CARD’s transformation experience has resulted in substantial increases in scale because it has been able to diversify and expand the funding base. Transformation is also expected to result in eventual, full private ownership through additional issuance of preferred stock shares to qualified clients-investors. CARD plans to transfer full ownership to the landless poor, consistent with the CARD vision. While the empowerment of landless poor women is a noble aim, one concern is that such owner-investors lack the “deep pockets” that may be necessary to access additional sources of funds should CARD Bank have financial 48 hardship.

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