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Business planning and financial modeling for microfinance insti phần 2

Nếu cạnh tranh là một yếu tố quan trọng, tổ chức có thể chọn để thực hiện một đánh giá cẩn thận các đối thủ cạnh tranh hiện tại và tiềm năng của nó, bao gồm: Các tổ chức tài chính vi mô khác Moneylenders nhà cung cấp các chương trình tín dụng chính thức của khách hàng chính thức tổ chức tài chính. | 12 Business Planning and Financial Modeling for Microfinance Institutions a Handbook Regulatory factors Other external elements. T assess the competition the institution faced ACODEPprepared a simple matrix for each branch office summarizing the key traits of its main competitors. On the vertical axis it listed each of the main competitors. On the horizontal axis it listed each institution s key characteristics including lending methodology loan amounts loan terms interest rates fees payment frequency and guarantee requirements. The information ACODEP compiled on its competitors reinforced its view that it needed to offer a product that would appeal to potential borrowers interested in smaller loans than it currently offered like those offered by several of its competitors. The analysis also supported ACODEP s decision to maintain its market niche as a lender offering only individual loans. Several competitors offered only group loans and clients seemed to appreciate the individual attention they received from ACODEP. Based on an interview with Armando García Campos executive director ACODEP Nicaragua 2.3.1 Competition Competition may be increasing significantly in the markets where a microfinance institution operates. Conversely an absence of strong competitors might give the institution an opportunity to solidify its market position. If competition is a significant factor the institution might choose to carry out a careful review of its current and potential competitors including Other microfinance institutions Moneylenders Informal credit schemes Clients suppliers Formal financial institutions. 2.3.2 Collaborators The kinds of collaboration that a microfinance institution forms will depend on its needs. If it seeks broad-based institutional strengthening an affiliation with an international network that provides technical assistance and training could be an important relationship. If legislation prevents an institution from offering savings products it might .