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

2013 P2P Microfinance Summer Program Introduction. Cupertino. Fremont. Diamond Bar. Irvine. Millbrae/San Francisco. Pleasanton. San Marino. Beijing . P2P Microfinance Innovation. est. 1986 P2P (Peer to Peer) Mircofinance: Helped 20 MM Poor

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

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  1. 2013 P2P Microfinance Summer Program Introduction Cupertino. Fremont. Diamond Bar. Irvine. Millbrae/San Francisco. Pleasanton. San Marino. Beijing

  2. P2P Microfinance Innovation est. 1986 P2P (Peer to Peer) Mircofinance: • Helped 20 MM Poor • Loans amount over $350B • Repayment Rate 97% Everyone has Credit, and credit has Value! Dr. Muhammad Yunus 2006 Nobel Peace Prize Winner

  3. China’s Economic Growth

  4. Impoverished Chinese Rural Areas • 600of 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

  5. CreditEase: YiNongDai Program

  6. How Does YiNongDai Work?

  7. P2P: Changing People’s Destinies A small amount of money could make a HUGE impact on a family’s life!!!

  8. Borrower No. 1 Group 1 & 4’s Choice

  9. Borrower No. 2 Group 2’s Choice

  10. 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。   

  11. Valuable Experiences • Real Business Experiences • Real P2P model • Real loan, real money, real transaction • Real borrowers / people need financial support • Real business interviews • Real business analysis • Unforgettable Life Experiences • Being a teacher • Being a farmer • Being a leader • Being a teammate • Being a better person…

  12. Student Comments - Belinda Zeng

  13. Student Comments - Johan Qin

  14. Program Goals • Fundamentals on finance and microfinance • P2P microfinance models and platforms • Basics on how to evaluate a business • Real experience of learning how a little amount of money can change someone’s life And • Teamwork • Communications with teachers, teammates, borrowers, local kids etc. • Interviews / Presentations

  15. Program Tasks • Conduct research on microfinance & P2P financing model • Receive trainings on fundamental concepts on finance and microfinance, communications, how to review a business, and how to make a speech or presentation • Complete P2P financing/loan process via CE P2P Platforms – Group decisions • Conduct field trips to interview borrowers on site at Tongxin, Ningxia, China • Participate 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

  16. Program Trainings • Effective Communications • Self-Introductions • On-site business interviews • Teaching village school kids • Basics on How to Evaluate a Business • 4 P’s • 4 C’s • SWOT Analysis • Financials/Income Statement • How to make a Speech or Presentation • Story-Telling, experience sharing • Group Presentation

  17. Program Schedule

  18. P2P: A Self-Finding Journey!A Journey of Poverty2Prominence!Thank You!

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