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1Hoe te beleggen in Microfinanciering?

21. Het verhaal van Mevrouw Ana Delmy

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El SalvadorMevrouw Ana Delmy Initile lening USD 250 Een winkel in zuivelproducten Huidige lening USD 12.000

3In one of the largest open-air markets in Soyapango, a suburb on the outskirts of San Salvador, Mrs. Ana Delmy owns a stall from which she sells various dairy products, including milk and homemade cheese. Like most stall owners in this busy market, Mrs. Delmy had to work her way up from more modest conditions with the help of a loan from one of San Salvadors many microfinance institutions.

In Mrs. Delmys particular case, having retired from her job as a factory-worker in 2001, she began selling candy and drinks in the streets of San Salvador as a way of complementing her meagre retirement fund. In order to set up the business, Mrs. Delmy contacted Banco de los Trabajadores de El Salvador (BTS), one of the countrys leading microfinance institutions, and whose activities are concentrated in Soyapango, for an initial loan of USD 250.

Thanks to the success of her business, Mrs. Delmy was able to repay her initial loan and each of the subsequent, continually increasing, loans which she received. Within a year, Mrs. Delmy had bought a space in the market and opened her own shop and by September 2007, she was managing over USD 12,000 in loans. Mrs. Delmy has used the loans to buy machinery, and has begun to plan the future expansion of her business.

Meanwhile, Mr. Delmy, Anas husband, has also developed his own business with the help of loans from BTS. As a farmer working with cattle on a small plot of land outside the city limits, Mr. Delmys first loan amounted to a mere 25,000 Colones (USD 3,000) - a very small amount considering the expenses involved in purchasing livestock. However, within a few years and thanks to the successful management of his business, Mr. Delmy was able not only to purchase additional cattle, but also to buy new land, a truck for the transport of his animals and to expand his business to include dairy cows, from which his wife produces the dairy products she sells at the local market.

In addition, Mr. Delmy has recently opened his own stall in Soyapangos open-air market, opposite his wifes, where he now sells meat products, thereby turning his activity into a family business.42. Het bedrijfsleven betrekken

5Totaal marktpotentieel: US $ 230 - 380 miljard

Vraag: 80-90%

Circa 10.000,00 MFIs

2. Het bedrijfsleven betrekken Totaal potentile markt rond US $ 230 en 380 miljardTop 300 MFIsMidden 1500 MFIsKlein10000 MFIs80-90%Microfinance InvesteerdersMicro Ondernemers10-20%

6De omvang van de microfinancieringskredieten is in de afgelopen jaren sterk gestegen.

2. Het bedrijfsleven betrekken

73. Het uitgangspunt van MFI

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9Microfinance Investment Vehicles (MIV)Microfinance InvestorsMFI EquityLoanMicro EntrepreneursBeleggen in kredieten aan MFIs Verschaft MFIs kapitaal dat aan micro-ondernemers kan worden uitgeleend

Aandelenbeleggingen in MFIsHelpt MFIs hun management-vaardigheden en operationele capaciteit te verbeteren; de financiering door geldgevers wordt benut om meer micro-ondernemers te bereiken3. Het uitgangspunt van MFI

104. Nieuw beleggingsconcept

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Traditionele beleggingBalans tussen risico en rendementDuurzame beleggingMFIs werken in de echte economie; zij bieden financile diensten gebaseerd op de behoeftes van mensen met lage inkomens.Beleggen in microfinanciering biedt zowel financieel als sociaal rendement

4. Nieuw beleggingsconcept

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