Association for Integral Development of Women: Empowering Women Entrepreneurs

1. Alternative association for integral development of women

2. What is it? It’s an association offering services of fair enterprise development, with focus on enterprising women in segments of subsistence, rural and urban micro enterprises, to promote their economic growth and their personal and entrepreneurial empowerment.

3. danger buoys Concentration of investors in a few MFIs • Bad social reputation • Andean Navigators grounded(beginning 2000' s) Voracity of Winds: • Disarticulation natural economic networks • Antecedents of aggressive “no payment” movements Appetite for quick growth promotion of consumption

4. The navigators Not oriented compass Negligence in the analysis, Appetite for quick growth, Increase of consumption loans portfolio, Concentration of portfolio in farming activities, social Indifference OrientedCompass: • To the Base of the Pyramid • Methodology emphasizes: moral guarantee, rigor of analysis and financial discipline, high rotation of portfolio, cycles according to rotation of inventory • Knowledge and transparency with clients • social Approach

5. The perfect storm Lack of regulatory frame Governmental Assistencialism Diminution of remittances Reduction of free trade zone activity MFI Electoral fraud 2008 Over indebtness international financial Crisis Non payment movement Low price of the Cattle overindebtness of investors Increase of oil price

6. Each storm Lack of regulatory frame Lack of regulatory frame Governmental Assistencialism Diminution of remittances Diminution of remittances Governmental Assistencialism Reduction of free trade zone activity Oriented MFI Desoriented MFI Reduction of free trade zone activity Electoral fraud 2008 Over indebtness DEFAULT repression of financial flow Non payment movement Electoral fraud 2008 repression of financial flow Low price of the Cattle Increase of oil price overindebtness of investors Increase of oil price

7. lighthouses Regulatory frame Transparency Respect of engagements and communication with Creditors, Reduction of Cost, Recovery of Portfolio, PAR management, Governance

8. Lifesavers With allies With own sacrifice • 3% write off, no restructuration or renegotiation • Advocacy for social approach of MFI Law • Fulfillment of obligations • To extend impact of social approach • Stimulation of collaborator efficiency • Maintained management of cost PAR Management • To know the clients and transparency with clients

9. The allies Imprudent • Small distinction of causes of the problem • Little recognition of Co - responsibility • Asepsis before the crisis: bad reputation of micro finance • repression of financial flow Prudent • Analyze the causes of the problem • Assume Co - responsibility • Commitment to face the crisis: social rescue of micro finance • cautious financial Flow

10. Methodology standardization It emphasizes a moral guarantee Rigor of analysis institutional Financial Institutional Discipline and of Clients Cycles according to rotation of inventory High rotation of portfolio

11. Social Performance management

12. Surfing in equilibrium

13. Thank you!

14. STRATEGIC MAP ADIM 2011 -2013 1 To promote the empowerment, personal and enterprise autonomy of female clients and users of ADIM ToPromotetheeconomicgrowth 2 To assure the financial sustainability 3 Increase of assets 4 10 Territorial expansion To attain fidelity of clients, providers and CTI 7 5 To maintain leadership in ASOMIF and to catch information To maintain financing in reasonable conditions with local or governmental funds 8 6 Diversification of CTI and Funds 9 Satisfaction and positive reference of the groups of interest 15 To implement fundraising processes 14 12 11 Optimize informatics services Reachfinancialefficiency To Create and to implement risk management system 13 Development of new products and services 16 Toimplement a HR developmentsystembasedonefficiency