BASIXs experience in using ICTs for promotion of Livelihood opportunities

Presentation by Dr. Sankar Datta BASIX

BASIX is a new generation livelihood promotion institution, established in 1996,

working with over 320,000 poor households,

in 50 districts of nine states across India with Rs. 2,213 million loan outstanding and an on-time repayment of 98.2%, With a team of 2,300 staff

Mission
To promote a large number of sustainable livelihoods, including for the rural poor and women, through the provision of financial services and technical assistance in an integrated manner. BASIX will strive to yield a competitive rate of return to its investors so as to be able to access mainstream capital and human resources on a continuous basis

We think
Poor in a village with no telephone connections, needs a mobile connection more than we do in cities flushed with cables

Why ICT ???

Poor are dispersed, fragmented and are small. Therefore supporting their livelihood requires:
Large number of Multiple transactions of small amounts Dispersed over a large geography Providing a large range of services.

Doing this efficiently, with scale, on sustainable basis, (which requires better decision support, better monitor), needs use of ICT

Evolution of MIS in BASIX

1997

FAMIS 2000
(Financial Accounting and Management Information System)

DOS based, Single user, Foxpro database First installation at Raichur Methodology used is JLG and SHG Group level Simple Interest Diminishing balances

Evolution of MIS in BASIX

2001

FAMIS PLUS
1997
Windows based, Foxpro database FAMIS 2000 Multi user Methodology used is JLG and SHG Member level Simple and Compound Interest DOS based, Single user, Diminishing balances and Flat Rate Foxpro database First installation at Raichur Methodology used is JLG and SHG Group level Simple Interest Diminishing balances

Evolution of MIS in BASIX

2001

2001

BANKSOFT

FAMIS PLUS
Client Server Technology Software for Micro Windows based, Foxpro finance and Banking NPA Analysis database FAMIS 2000 Multi user Methodology used is JLG and SHG Member level Simple and Compound Interest DOS based, Single user, Diminishing balances and Flat Rate Foxpro database First installation at Raichur Methodology used is JLG and SHG Group level Simple Interest Diminishing balances

1997

Evolution of MIS in BASIX cont..

2004

DELPHIX
Highly integrated multi user RDBMS application software developed on ERP concepts Core software for BASIX Triad Client-Server Technology Back end : ORACLE 8i, Front-end: D2k 45 Installations across India High data security 100% automation of all business modules

BASIX IT Products
Main Systems
DELPHIX Bank Soft FAMIS PLUS

Sub Systems
BASIX IDIAS VOLAC Discoverer BASIX V-CoP BASIX eMap (GIS) BIBLIO BASIX Plan

Network
All Units linked through the net VSAT in KBSLAB

Field Hardware

Women LSA Vijayalakshmi using HHD at field

Technology Integrations

Hand Held Terminal

Bio-metric Device

Mobile application for MIS

Devices Used for Automation of Field Transactions

Samruddhi Collection card

BASIXPM

BASIXiStation

BASIXCollect

Finger print capturing at Urban office

Total Total No of of Number Installations-123 Installations-123

ASSEFA , Dosa/Dholpur

External IT-Clientele List

External IT-Clientele List

RGVN NGOSP & CSP
RGVN NGOSP & CSP

ASSEFA , Dosa/Dholpur ASRA, PRAYAS, SAMBHAV, SOPAN, Vardan Trust ASRA, PRAYAS, VASPS, Sadguru, SAMBHAV, SOPAN, Vardan Trust BGMS, Krupa VASPS, Sadguru, BGMS, Krupa

NBJK,ASSEFA NBJK, ASSEFA Badlao Foundation, NEEDS, Vedic Society, JCMB, Janajagaran Munch, SVJK, HolyVedic Badlao Foundation, NEEDS, cross, Society,JCMB, Janajagaran Nirdesh , AVS,NBJK, Munch , SVJK,Holy cross, Nirdesh SSS, SSS , VWS, RGVN , AVS,NBJK,VWS, RGVN Lokaprerana,Sevapranta samikhit Lokaprerana, Sevapranta Kendra ,RDSS samikhit Kendra, RDSS
RGVN, CARE (8), FARR, ADHIKAR, ANTODAYA, Parivartan, ARASHAD, GramUtthan

ASSEFA, Intermon ASSEFA, Intermon Oxfam Homeo Homeo Oxfam Society, Society, GSST, GSST, SGVS, SEDT, SGVS, SEDT,

KAWAD, Foundation, SUFS, Manjunathan Trust, NKRDS, Prawardha, Navchethana

KAWAD, SRFS, Jindal Foundation, SUFS, Manjunathan Trust, NKRDS, SRFS, Jindal Prawardha, Navchethana

Ankuram Sangam Poram, Aadarsha Welfare Society, CEAD (9), COVA, Ankuram Sangam Poram, GRAM(19), KOUTLA-B Aadarsha Welfare Society, CEAD (9), COVA,MACS, BASICS Ltd., GRAM(19), KOUTLAB MACS, BASICS Ltd., CARE (2), CARE (2), Beamacs, Beamacs,Village Origination Society Village Origination Society Ananthpur Ananthpur ASSEFA, ASSEFA, Sanghamitra, Sanghamitra, SNFL, SNFL, Gramlaya Gramlaya

RGVN, CARE (8) FARR, ADHIKAR ANTODAYA Parivartan ARASHAD GramUtthan

Lessons
Selection of the technology: Robust, Cost effective, has life Select appropriate IT Partners Proper architecture: Unify Synchronize operations and software development To develop in-house or outsource

Lessons
Rigorous pilot testing: review and refine Good project management and documentation End user involvement Seven elements in an IT Intervention

Seven Elements
of Design of an IT System Hardware Software Trained HR Power Backup Data Backup Supply of support material Connectivity

We make Microprocessor and MicroFinance work together for the poor

Thank you