cupertino. fremont. diamond bar. irvine. millbrae/san francisco. pleasanton. san marino. beijing...

Cupertino. Fremont. Diamond Bar. Irvine. Millbrae/San Francisco. Pleasanton. San Marino. Beijing

2013 P2P Microfinance

Summer Program Introduction

The Gateway to Your Dream College and Beyond!Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing

P2P Microfinance Innovation

est. 1986

P2P (Peer to Peer) Mircofinance:

Helped 20 MM Poor

Loans amount over $350BRepayment Rate 97%

Everyone has Credit,and credit has Value!

Dr. Muhammad Yunus2006 Nobel Peace

Prize Winner


China’s Economic Growth


Impoverished Chinese Rural Areas

600 of 2862 Counties in China are considered as areas under the UN poverty line

100MM people in China live on less than US$1 a day


CreditEase: YiNongDai Program


How Does YiNongDai Work?


P2P: Changing People’s Destinies

A small amount of money could make a HUGE impact on a family’s life!!!


Borrower No. 1姓名: 岳增勤

年龄 38

地址: 虞城县闻集乡闻集街

身份证号码: 411425197202143623

主要经营: 经商

贷款金额: 4000元

贷款用途: 经营五金

客户状况：

岳增勤自 2001年加入小额信贷项目后,利用贷款在闻集开了一家五金杂货铺,

由于经营有方,当年把贷款还清还净赢利 7000元左右。第二年申请第二笔贷款加上自己的一些积蓄又向亲戚朋友借了一些资金,盖起了门面房,主要经营五金电料、各种电器。将来准备继续扩大经营规模，增加经营种类，把自己的铺子变成一家五金电器超市。

贷款次数: 10次

历史信用记录: 优

本次贷款起始日期: 2010/9/29

还款日期及金额：

2010 年 10 月 14 号 84

各期还款日期: 50周还款

网络链接地址 http://www.yinongdai.com/myLoan/1208_8/myLoanDtl.shtml

Group 1 & 4’s Choice


Borrower No. 2Group 2’s

Choice姓名: 马菊花

年龄 39

地址: 河南省虞城县李老家街

身份证号码: 412321711225544

主要经营: 粮油

贷款金额: 4000

贷款用途: 流动资金

客户状况：

马菊花在李老家街租了两间门面。自 05年就一直做粮油生意，现在大豆油是直线上涨，现在她想多进一批大豆油，因资金周转不开，又在扶贫社贷款4000元作为流动资金。

贷款次数: 4

历史信用记录: 优

本次贷款起始日期:

2010年 10月 13日

还款日期及金额：

2010 年 10 月 27 号 84元

各期还款日期: 50周还款

网络链接地址 http://www.yinongdai.com/myLoan/1276_8/myLoanDtl.shtml


Follow-ups with the Borrowers岳增勤在 2010年 9月份申请贷款 4000元进货，在闻集街经营一家五金杂货铺 ,在农村春节过后装修房子的不多，五金电料平均每月能盈余 1500元，现在将要进入夏季，目前计划进一批电风扇种电器，现在批进电风扇价格便宜，以备夏季销售。贷款归还情况：分别在 2010-12-29与 2011-03-29两天，分别足额归还本金和利息￥ 1020。马菊花现在在李老家街粮油生意还不错，现在食用油价格是直线上涨，占用资金成本很大，每月盈利 2000元左右，再有一个月到了小麦收获季节，计划与面粉厂收购小麦。贷款归还情况：分别在 2011-01-13与 2011-04-13两天，分别足额归还本金和利息￥ 1020。李四的超市规模现在越来越大，每月的收入非常可观，计划再接一个品牌的奶粉，提高自己超市的知名度。贷款归还情况：分别在 2011-01-13与 2011-04-13两天，分别足额归还本金和利息￥ 1020。


Valuable Experiences

Real Business ExperiencesReal P2P modelReal loan, real money, real transactionReal borrowers / people need financial supportReal business interviewsReal business analysis

Unforgettable Life ExperiencesBeing a teacherBeing a farmerBeing a leaderBeing a teammateBeing a better person…


Student Comments

- Belinda Zeng


Student Comments

- Johan Qin


Program Goals

Fundamentals on finance and microfinanceP2P microfinance models and platforms Basics on how to evaluate a businessReal experience of learning how a little amount of money can change someone’s life

AndTeamworkCommunicationswith teachers, teammates, borrowers, local kids etc.

Interviews / Presentations


Program TasksConduct research on microfinance & P2P financing modelReceive trainings on fundamental concepts on finance and microfinance, communications, how to review a business, and how to make a speech or presentationComplete P2P financing/loan process via CE P2P Platforms – Group decisionsConduct field trips to interview borrowers on site at Tongxin, Ningxia, ChinaParticipate in other philanthropy and networking activities in China, such as teaching and interacting with the kids at local school…

Prepare final reports and group presentations


Program Trainings

Effective CommunicationsSelf-IntroductionsOn-site business interviewsTeaching village school kids

Basics on How to Evaluate a Business4 P’s4 C’sSWOT AnalysisFinancials/Income Statement

How to make a Speech or PresentationStory-Telling, experience sharingGroup Presentation


Program ScheduleTime Place Hotel DescriptionDay 1 Flying from the US to Beijing.Day 2 Beijing Arriving at Beijing Airport.

Day 3 BeijingMiaoling

Hotel

AM: Program instructions, Lecture on China Envoirment & Culture; PM: Homework review, grouping and training Group sharing and personal journals in the evening

Day 6 IvyMax BeijingAM: Training: How to Evaluate a Business ;PM: Visiting Beijing Tian An Men Squre;Taking train from Beijing to Yanchi, Ningxia.

Day 7 YanchinYanchi Hotel

AM: Arriving in Tongxin; Checking in at local Hotel;Meeting local MFI partner;Visiting Local Village School;Group sharing and personal journals in the evening.AM: On-sie interviews with borrowers (by groups);PM: Teaching computer and English basics at Local Village School;Group sharing and personal journals in the evening.AM: On-sie interviews with borrowers (by groups);PM: Teaching computer and English basics at Local Village School;Group sharing and personal journals in the evening.Farming Day: Helping borrowers with their farm works;

Group sharing and personal journals in the evening.

Day 11 YanchinAM: Farming Day: Helping borrowers with their farm works; PM: Taking train from Yanchi to Beijing.

Day 12 IvyMax BeijingMiaoling

Hotel

AM: Arriving in Beijing; Checking at Hotel in Beijing;PM: Trip wrap-ups; Training contents review; Assignments;Group sharing and personal journals in the evening.

Day 13CreditEase

IvyMax BeijingMiaoling

Hotel

AM: Visiting CreditEase (Lectures & discussions);PM: Training: How to Make a Speech or Presentation ; Story-telling: P2P summer experience;Group sharing and personal journals in the evening.


HotelAM: Preparing final presentations (by groups);PM: Final group presentations (competition).

Day 15 Beijing Flying back to the US from Beijing.





Hotel

AM: Training: Communications ;PM: Story-Telling: Summer experience in the past; Movie: Not One LessGroup sharing and personal journals in the evening.


Hotel

Training on microfinance & P2P lending model; Group selection of borrowers;Borrower interview preparation, interview questionnaires;Group sharing and personal journals in the evening.


P2P: A Self-Finding Journey!A Journey of Poverty2Prominence!

Thank You!

cupertino. fremont. diamond bar. irvine. millbrae/san francisco. pleasanton. san marino. beijing...

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