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Microfinance Training for Practitioners – Breaking Through Beyond Traditions
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Microfinance Training for Practitioners – Breaking Through Beyond Traditions
  • Overview
  • Objectives & Outline
  • Programme Agenda
  • Methodology
  • Participant Profile
  • Trainers
  • Overview
    PROGRAMME DETAILS

    DATE

    24 – 26 May 2017

    TIME

    9:00 AM – 5:00 PM

    VENUE

    Lanai Kijang, Kuala Lumpur
    This is the second Microfinance training programme by the Asian Banking School after the successful run of “Microfinance: Trends, Risks and Prospects” in 2016. The programme aims to advance knowledge, technical know-how and competence of Microfinance practitioners in the ASEAN region.
      
    This year’s programme has been developed with the support of the World Bank and Bank Negara Malaysia, in conjunction with the Global Symposium on Microfinance under the theme “Revolutionising Microfinance: Insight, Innovation, Inclusion”, to be held from 22 to 23 May 2017 in Sasana Kijang, Kuala Lumpur.

    This three-day programme presents opportunities for participants to gain insights, exchange views and best practices, network and share experiences on emerging innovations and technology which are fast affecting the financial service providers and impacting how they operate. Microfinance service providers are jumping on the bandwagon too, breaking through the traditional methods of reaching out and servicing their customers. Topic coverage includes innovations in microfinance, alternative delivery channels and technology, design thinking, digital credit deployment, use of (big) data in microfinance and the new paradigm in credit risk assessment and risk management.
    LEARNING LEVEL
    Intermediate
    PROGRAMME FEE*
    MYR

    1,500

    or

    USD

    350

    / PAX

    With minimum of 2 registrations

    MYR

    1,350

    or

    USD

    315

    / PAX

    *inclusive of 6% GST and excluding cost of travel, accommodation and related expenses
  • Objectives & Outline
    LEARNING OBJECTIVES
    This programme aims to put into perspective the current thinking and practices for microfinance practitioners to be able to:
      
    • Understand emerging global trends and technology-led innovations in microfinance 

    • Enhance readiness and know-how to adopt technology and other innovations in microfinance business models, delivery channels and risk management 

    • Learn to implement and deliver digital credit for greater outreach and efficiency
       
    • Apply design thinking strategies in devising suitable business models and financial solutions that meet the needs of end customers 

    • Leverage on (big) data to enhance capability in sourcing new customers, deepening customer relationships and managing risks 

    • Understand risks and challenges as well as key success factors in implementing technology-based solutions and alternative delivery channels
    PROGRAMME OUTLINE
    • Innovations in Microfinance: The Journey Thus Far 

    • Scaling Up Microfinance through Innovative Channels 

    • Reimagining Microfinance Providers with Design Thinking 

    • Digital Credit Deployment 

    • Unlocking the Potential of (Big) Data for Microfinance 

    • Algorithm-based Microfinance Credit Assessment: A New Paradigm 

    • Digital Microfinance: Managing Risk, Building Resilience 

    • Sustainable Business Models for Microfinance
  • Programme Agenda
    DAY 1
    8.00 am – 9.00 am
    Registration
    9.00 am – 9.30 am
    Welcome Speech by Professor Colyn Gardner, CEO, Asian Banking School
    Opening Remarks by Representative of The World Bank
    Programme Orientation by Master Trainer
    9.30 am – 11.00 am
    Session 1: Innovations in Microfinance : The Journey Thus Far

    This century has witnessed unprecedented progress in innovations leveraging on technology in almost all walks of life. Whilst the finance industry has naturally embraced Fintech, the Microfinance sector has had its share of evolution employing technology enablers. This session aims to set the preface for rest of this programme by drawing essential lessons from Microfinance industry’s journey thus far and its phenomenal growth, contrasting Microfinance service providers in the traditional era vis-à-vis Fintech age. The session will focus on:
    • Humble beginnings of innovation of Microfinance service providers 
    • Commercialization and growth of the Microfinance industry 
    • Waves of innovation in various parts of the world (e.g. delivery channels and technology, product design, credit assessment) 
    • Gains from such innovation to financial service providers (FSPs), governments, consumers and other stakeholders 
    • The new challenges of microfinance 
    Trainer: John Owens
    11.00 am – 11.15 am
    COFFEE BREAK
    11.15 am – 12.45 pm
    Session 2: Scaling Up Microfinance through Innovative Channels

    This session will provide an overview of the alternative delivery channels ecosystem and technology based on the IFC “Alternative Delivery Channels Handbook”.  This session will highlight how innovations in delivery channels result in greater outreach and efficiency in microfinance.
    • Overview of the alternative delivery channels ecosystem  
    • Key considerations for FSPs to develop relevant strategy and deploy a successful implementation of ADC’s project  
    • Success stories of microfinance service providers in implementing ADC (e.g. agent banking, extension/field services, internet banking, mobile banking)  
    Trainer: John Owens
    12.45 pm – 2.00 pm
    LUNCH
    2.00 pm – 3.30 pm
    Session 3: Reimagining Microfinance Providers with Design Thinking (mini workshop)

    As Microfinance expands beyond its traditional roots, simply offering new channel may not be enough. The design of the product matters. So does striking the right balance between technologically feasible and financially viable solution. Thus, it makes a good case to consider design thinking for devising suitable financial solutions for the end consumers, as the method, like the spirit of Microfinance, has people at its focal point.
    • Human centered design principles
    • The importance of framing the problem correctly
    • Innovation and Ideation
    • Customer co-creation and rapid prototyping
    • Applying design thinking in product creation, getting the right product mix and impact assessment
    • Recalibrating business model vis-à-vis product design and innovation
    Trainer: Christoffer Erichsen
    3.30 pm – 3.45 pm
    COFFEE BREAK
    3.45 pm – 5.15 pm
    Session 3: Reimagining Microfinance Providers with Design Thinking (mini workshop - cont’d)
    5.15 pm
    End of Day 1
    DAY 2
    9.00am – 10.45 am
    Session 4: Digital Credit Deployment (Part 1)

    The session illustrates basic concepts on digital credit, one of the emerging models in microfinance. It provides end-to-end guide to implement and deliver digital credit.
    • Approaches in implementing digital credit 
    • Credit scoring and uses of new alternative data 
    • Product and service design considerations 
    • Unique financial dynamics to implement digital credit business models 
    • Building potential partnerships for greater efficiency 
    Trainer: John Owens
    10.45 am – 11.00 am
    COFFEE BREAK
    11.00 am – 12.45 pm
    Session 5: Unlocking the Potential of (Big) Data for Microfinance

    The last decade has seen a growth not only in the amount of data being collected but also new sources of digital data. Once digitized, an organization’s data can benefit FSPs through finding new customers, deepening customer relationships and managing risks. This presents a unique opportunity for FSP’s if they can adapt and leverage this opportunity. This session will outline the initial strategic and tactical steps an FSP can take to first assess and then enhance its data capability. The session will be based on this report.

    • Understanding sources of data in the context of microfinance  
      • Traditional data (e.g. customer information available in a credit report/customer banking account) 
      • Alternative data (e.g. utility bills, social data, psychometric analysis data, geospatial data) 
      • Big data: Is it the same as alternative data? 
      • How to start?: A self-assessment framework   
    • Framework for deriving value from data  
    • Data privacy considerations  
    Key considerations for a successful implementation

    Trainer: Bennett Gordon
    12.45 pm – 2.00 pm
    LUNCH
    2.00 pm – 3.30 pm
    Session 6: Algorithm-based Microfinance Credit Assessment: A New Paradigm

    Lack of traditional data points such as proof of income or credit histories has been a pervasive issue amongst grassroots from time beginning. Utilising alternative data from telecommunications and utilities companies, wholesalers, retailers and governments provides great promise for the creation of credit profiles for those outside the financial mainstream. This session explores how algorithm-based credit assessments can improve access to bank lending for MSMEs and how Fintech can lower MSME lending costs for financial institutions. The session will draw on the experiences of Kopo Kopo and Lennddo.
    • Leveraging on Big Data and credit algorithms 
    • Success stories of Kopo Kopo, Lennddo and Janalakshmi. 
    • Challenges in new age scoring models 
    Trainer: Bennett Gordon
    Additional speakers: Forum speakers from Lennddo
    3.30 pm – 3.45 pm
    COFFEE BREAK
    3.45 pm – 5.15 pm
    Session 4: Digital Credit Deployment (Part 2)

    Building on the session during the day, this session will focus providing practical information on how MFI’s can move forward with developing a roadmap for deploying digital credit. The session will cover
    • Unique financial dynamics to implement digital credit business models 
    • Building potential partnerships for greater efficiency 
    Trainer: John Owens
    5.15 pm
    End of Day 2
    DAY 3
    9.00 am – 10.45 am
    Session 7: Digital Microfinance: Managing Risk, Building Resilience

    As Microfinance service providers around the globe continues to deploy digital channels to expand the range of services available, they become more vulnerable to unforeseen or new risks. To protect these new and growing businesses, its customers, and partners (such as agents), there is a clear need for most Microfinance service providers to improve risk management awareness, approach and implementation. Drawing on practical examples and the framework presented in this IFC report, this session will
    • Introduction to different types of risks that may be faced by FSPs using digital financial services (DFS) 
    • Identify general lessons learned by FSPs about DFS risk management 
    • Understanding and addressing consumer risks in DFS 
    Trainer: John Owens
    10.45 am – 11.00 am
    COFFEE BREAK
    11.00 am – 12.30 pm
    Session 8: Sustainable Business Models for Microfinance

    The aim of this workshop is to elucidate how to strike the right balance between achieving the right price point and sustaining profitability, mindful of the double / triple bottom-line that many Microfinance service providers need to embrace. The facilitator will use a stylized real world example to walk through pricing mechanism for Microfinance service providers in this session. The session will also explore useful tactics, technology and tools for effective loan monitoring and delinquency management.

    Trainer: Modibo Camara
    12.30 pm – 2.30 pm
    LUNCH
    2.00 pm – 4.30 pm
    Session 9: Case Study Discussions

    Trainer: TBA
    4.30 pm – 5.00 pm
    Debrief and closing session
    5.00 pm – 5.15 pm
    COFFEE BREAK
    5.15 pm
    End of Day 3
  • Methodology
    Lectures, group discussions, case studies, mini workshop and presentation of ideas
  • Participant Profile
    Middle to senior-level practitioners (3-5 years of experience) from microfinance service providers (development financial institutions, banks and microfinance institutions), policy makers/regulators, NGOs, policy and research centres, academicians and other similar entities involved in microfinance
  • Trainers

    JOHN OWENS

    John Owens, Senior Digital Financial Services Advisor. An attorney and senior advisor who has worked with microfinance institutions, banks, credit cooperatives, financial technology as well as regulators and policy makers across Asia and the Pacific, Africa, China, Eastern Europe, Russia, the Middle East, Latin America and the Caribbean on digital financial services and financial inclusion strategie and policies. He has also provided technical advisory services, training, and research to various financial service providers as well as managed several international development projects focused on microfinance, financial inclusion, digital financial services, digital payments and agent networks for more than 25 years. He holds a Juris Doctor in Law from Notre Dame Law School and Bachelor of Art degrees in Accounting and Philosophy from Gustavus Adolphus College.

    CHRISTOFFER ERICHSEN

    Christoffer has over 20 years of experience in the fields of innovation, learning and facilitation of change. Chris is an internationally sought-after keynote speaker, facilitates innovation labs for large organisations and run 4 core modules: Design Thinking, Leading Innovation, Creative Leadership and Running Agile Projects. As a senior process consultant Christoffer has led and delivered large change management and innovation projects in Europe & South East Asia. Chris has integrated his years of experience, unique frameworks and simple tools into a consulting practice that focuses on supporting individuals, networks and organisations in discovering their potential to create new value through innovation and change. Christoffer advises the UN on innovation, mentors business leaders, startups and social enterprises. During his career, he has received a range of awards; in 2013 he received the CSR Leadership and Excellence Award at the World CSR Congress and most recently he has been appointed to support leading SMEs to go regional in ASEAN.

    BENNETT GORDON

    Bennett Gordon is a consultant specializing in payments, technology, and commerce. For two years, Bennett led the finance department at Kopo Kopo, the first merchant aggregator and merchant cash advance provider in the mobile money industry. More recently Bennett has consulted for clients such as MasterCard, the UN's International Telecommunication Union, and the World Bank. He holds a BA from The George Washington University and an MA from The Johns Hopkins University with a concentration in Latin American Studies and specializations in finance and emerging markets. He has lived in Colombia, Argentina, Italy, Kenya, Tanzania, and currently is based in Seattle.

    MODIBO CAMARA

    Dr. Modibo K. Camara is the CEO and Co-Founder of A2F Consulting LLC, a US and Germany-based boutique Consulting firm founded in 2007. Dr. Camara has over 20 years of experience working on financial and private sector development issues, including nine years at the World Bank Group. He is a recognized specialist in access to finance issues and has hands-on experience in microfinance and SME finance in Africa, Central and Eastern Europe, Latin America, and Asia. Among other credentials, Dr. Camara has extensive experience working with Central Banks and Supervisors across the globe, and has led multiple advisory teams focused on creating financial sector strategies. Prior to A2F Consulting, Mr. Camara worked for the International Finance Corporation, The World Bank, CGAP, Gemini Consulting, and IPC GmbH in about 55 countries across the globe. At Gemini Consulting (now Cap Gemini), he advised “blue chip” financial institutions such as Deutsche Bank, Citibank and Merrill-Lynch on business strategy as well as operational efficiency. Mr. Camara holds a Doctorate Degree in Financial Economics, and speaks English, French, German, Mandinka, Spanish, Portuguese and intermediate Russian. He is a US citizen.

    LEW TAW FONG

    Lew Taw Fong is a consultant with Asian Banking School (ABS) specializing in Branch Management. His other areas of expertise include Branch Banking Operations, Introduction to Trade Financing, AMLA/CTF, Central Credit Reference Information Search (CCRIS), Fraud Detection and Prevention, Covenants and Credit Support, Security and Loan administration, Introduction to Credit for Consumer Sales Executive, Line and Middle Managers, and System Work flow for Mortgage and investment Loans.

    He has 32 years of experience with Maybank holding various key positions including Branch Manager, Regional Trainer and Facilitator, Task Force, Head of Trade Finance and Chief Operating Officer based in Maybank Hong Kong. After his retirement, Lew went on to be the Group Organizational Trainer for the Maybank Training Academy before he joined ABS.

    Lew is a certified Manager Trainer from the Singapore Institute of Management, as well as a certified HRDF trainer.He holds a Bachelor’s Degree in Business Administration, majoring in Management from the University of Ottawa, Kansas, US.

    YEOW TIANG HUI

    Yeow Tiang Hui has 28 years of experience in banking and investment, having first worked with small and medium enterprise clients at United Overseas Bank and Citibank N.A., Singapore. He then moved on to manage multinational accounts in Deutsche Bank AG, which was followed by managing large local corporate clients in Citibank/Citicorp Malaysia, where he was also Vice President in their venture capital outfit and the Head of Commercial Banking.

    From 1997 to 2005, he served as Head of the offshore banking business of the French banking group, Crédit Industriel et Commercial covering Malaysia, Greater China and the Philippines. After that, from 2007 till 2016, he served as the Head of Corporate Banking at Kuwait Finance House (KFH) where in 2012, he set up the client coverage team housed under the Investment Banking Division. He was involved in the structuring and implementation of Shariah compliant financing products at KFH.

    Yeow graduated in Economics from the National University of Singapore where he studied International Finance, Banking & Monetary Economics. He obtained further training in banking and finance from the Institute of Banking & Finance in Singapore, Deutsche Bank Asia Pacific, and Citibank Asia Pacific Banking Institute, where he studied Credit & Financial Analysis, Applied Financial Services, International Trade Finance, Corporate Finance and Financial Derivative Products.

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