Download - Microfunding mobile microfinance
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MICROFUNDING
MOBILE MICROFINANCE
Selma AlparslanEzgi Çiman
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What is Mobile Commerce?
Description
•Extending business applications using wireless technology
Examples•eBay mobile•PayPal mobile checkout•AoL mobile moviefone
Revenue Model
•Sales of goods and services
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The term “digital divide” refers to the gap between people with effective access to digital and information technology and those without.
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WHY PEOPLE NEED EXTRA CREDİT İN THEİR DAİLY LİVES?
Life-cycle needs (such as weddings or funerals…)Handle personal emergencies (illness, disability, theft, unemployment…)Disasters (fire, flood, hurricane, war…)Investment Opportunities (buying land or equipment…)
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Microfinance refers to the provision of financial services to poor or low-income clients, including consumers and the self-employed.
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Access to a range of financial services will
help lift the poor out of poverty
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More than 3000 institutions
665 million poor clients
¼ of those were classified as microfinance
In 2007, institutions were providing more than $25 billion
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Grameen Koota
Founded by Mohammad Yunus
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Grameen Bank provides microcredit to more than 7
million woman in Bangladesh
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Cell phone use is growing quickly among Grameen Koota’s customers.
India China Philipinnes …
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Growth of Cell Phone Using
1 billion people in
India
17% of world
population
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2008 •300 million Indians had cell phones
2012 •750 million Indians had cell phones
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is software of
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mChek got a boost when Airtel decided to incorporate mChek’s software directly into their simcards.
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Obopay India is also developing a microfinance mobile platform which is working with Grameen Solutions.It is Created by Muhammed Yunus.
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Muhammed Yunus received the Nobel Peace Prize in 2006 along with Grameen Bank for work done on microcredit.
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MOBILE MICROFINANCE
IN TURKEY
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Turkcell and Tisva (Turkey Waste Prevention Foundation) launched a campaign which is for low-income woman who want to start economic manufacturing. Through the “woman’s power for economy”, the first time a mobile operator is implementing “microcredit model” in partnership with a microfinance institution.
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