Professional Documents
Culture Documents
D O N OT P U S H T H E R E L U C TA N T B A N K E R
PRESENTED BY:
SULTAN TIWANA
The views expressed in this paper are the views of the authors and do not necessarily reflect the views or policies of the Asian Development Bank (ADB),
or its Board of Governors, or the governments they represent. ADB does not guarantee the accuracy of the data included in this paper and accepts no
responsibility for any consequence of their use. The countries listed in this paper do not imply any view on ADB's part as to sovereignty or independent
status or necessarily conform to ADB's terminology.
BACK GROUND
Access to Finance for Women Entrepreneurs
1999- 14: SMEDA; 80,000 Clients, Less than 15% WEs Management
& Business Advise, capacity building and BDS Facilitation, where
BDS on Fee basis.
2008- 14: Rural Enterprise Development (AHAN) Approx. 10,000
entrepreneurs, 40% WEs. Capacity building and product
improvement. No Business advise, BDS or Financing
COMPARATIVE ASSESSMENT OF
WOMEN PORTFOLIO-(++)
20 years
apart
Markup based
Interest Free
NGOs supported
98.4% recovery
98% guaranteed
What did we learn? Prudence and Reliability are Foundations of a great (Financial) relationship
& Women Outscore
Technical
Assistance
Business
Idea
Successful
Women
Entrepreneur
& BDS
Skills
Training
Resource &
sponsor
Assessment
Gap
Analysis
Information
sources
Enterprise
Growth
Startup
Product
development,
distribution and
Initial guidance, Market advice,
business plan, BDS, Stage-I
technology
Angel Financing
selection, initial
investment and
equity Financing
startup
assistance,
Inventory
Management,
Operations
efficiency and
productivity,
Stage-II
working
capital
Financing
Expansion
planning,
Stage-III
Project
Financing
Success is on
a ladder
HIERARCHY OF NEEDS
Market
development,
Sourcing and
R-compliance
Financing Facilitation &BDS
Risk Financing
Growth
Grant
Income
Growth
RISK
Income
REWARD
Investment
Plan to
Manage Your
Business
Outsourcing
BDS
Savings
Savings
Primary sources
Utilise carefully
Business
Development
Ensure you are
generating enough
income to pay BDS
Outsourcing
Invest and appreciate
capital over time
Ensure payments for OS