Penn Microfinance September GBM September 15 th /16 th , 2014

1. Penn Microfinance September GBM September 15th/16th, 2014

2. Agenda

3. About Penn Microfinance • The first and largest undergraduate microfinance organization • Founded in 2005 • Mission: • To raise awareness about microfinance while providing opportunities for students to get involved in the field • To offer support to and partner with established international microfinance institutions • To encourage networking and career development in microfinance for students • To build a community of people who are passionate about poverty alleviation and social impact • Project Teams • Brazil, Philippines, Bangladesh, Rwanda • Chance to work with world renowned MFIs • Sustained relationships with clients • Think Tank Team • Conference Team • Social and educational events throughout the year • http://www.youtube.com/watch?v=yxOzmJPj0IY

4. After Penn Microfinance • Penn Microfinance alumni have gone on to work in a variety of industries such as finance, consulting, non-profits, start-ups, and more: Compass Capital

5. Upcoming Events

6. Project Teams Brazil| Philippines| Bangladesh| Rwanda

7. Who We Are| Where We Go| What We Do Project Team: Brazil

8. Team Leaders Kevin Emancipator Karishma Tank

9. Fortaleza, Brazil • Located in NE Brazil • 5th largest city in the country with 2.5+ million residents • One of the hosts of the 2014 FIFA World Cup

10. FIFA Fortaleza Video https://www.youtube.com/watch?v=hIz_3dm3tPM

11. Banco Palmas • Community development bank (CDB) • Sparked a movement to create 51 other banks throughout Brazil • Social currency • Mission • Microcredit and financial services for the impoverished and underserved

12. Banco Palmas in the News https://www.youtube.com/watch?v=-lOt-0kCyd0

13. Trip from Last Year

14. Current Projects • App Development • Google API solution • Goal – better analyze, visualize data that is collected • Market Analysis and Consulting • Improve segmentation using data driven decisions to better serve target customers in Fortaleza • Website/Media Development • Improve design • Create a virtual tour of Banco Palmas and Palmas Labs • Make a video to share the bank’s history to non-Fortaleza residents

15. Team

16. Who We Are| Where We Go| What We Do Philippines

17. Philippines: Kasagana-Ka (“KDCI”) 20,000+ Urban Clients, 4 Star Rating on MIX Market

18. Location: Manila - Philippines Capital and largest city in the Philippines with a population of 12M

19. Work Developed & Recognition

20. Work Developed & Recognition • Design Analysis on Housing Finance Products • Best Practices on Housing Finance • Training on Change Management https://www.youtube.com/watch?v=LsVVRsFCh2g

21. The Team

22. Who We Are| Where We Go| What We Do bangladesh

23. Microfinance in Bangladesh • Birthplace of Microfinance • Dr. Muhammad Yunus • Over 500 microcredit providers & 20 million borrowers

24. Bangladesh Initiative

25. Bangladesh Initiative – Fall 2014 Opportunities to consult for the largest NGO in the world • Youth Employment Through Skills (YES) Project • Research and develop financial products for adolescents • Conduct market analysis • Aid with product development • Possible trip to Bangladesh in May 2015 • We are accepting applications for our team – all members from last year must re-apply Opportunities to learn about various financial products related to microfinance Opportunities to consult in new product development

26. Who We Are| Where We Go| What We Do Rwanda

27. Rwanda Team OUR CLIENT Atikus Insurance is a for-profit, socially focused enterprise To unlock the potential of the underserved in East Africa, with Rwanda as the pilot market PRODUCT MISSION Credit insurance product with three distinct advantages 1) MORE LOANS 2) BETTER UNDERWRITING 3) WIDER REACH

28. Current Projects • Data Analysis • Create data analysis graphics and reports from raw Rwandan census, demographic and poverty data • Skill(s): Data science, statistics • Marketing • Complete branding and style guide • Create infographics and other marketing materials • Skill(s): Graphic design, branding • Technology • Determine functional requirements and use cases for current technology platform • Skill(s): Product management

29. Think Tank

30. Penn Microfinance Think Tank • New research initiative • Focus on thought leadership and the utilization of business analysis to solve social problems • Educate club members, the university, and society regarding the principles and applications of microfinance

31. Leadership Team Daniel Nyakora Chair Jeremy Fedus Director Arjun Bhaskar Chair Asad Hussain Co-Director • Think Tank Analyst and Brazil Project Team Member • Textbook Primer on Brazilian Microcredit • Co-founder and 2013 Director • Independent Field Study on South Indian Microfinance • Co-founder and 2013 Co-Director • Independent Field Study on Kenyan Microfinance • 2013 Assistant Director • Textbook Primer on Haitian Microcredit and Finance Director

32. Comprehensive Skills Training Training Industry Research • Create focus groups to conduct industry primers by sector & subject area • Past deliverables include: • U.S. Microcredit • Brazilian Technology • Kenyan Agriculture • Haitian Microcredit • Microfinance 101 • Research 101 • Business analysis frameworks • Investment analysis • Debt lender evaluation • Competitor and market analysis • Guest speakers • Current affairs

33. Potential Project Pipeline Social Impact Bond Pitch Competition Building Bridges to Wealth • Independent field research study on the Philadelphia micro-investing and entrepreneurship market under Dr. Keith Weigelt • Gain experience with sampling, experimental design, and data analysis under mentorship of prominent microfinance professor • Mid-spring competition targeting freshman and sophomores to pitch social impact bonds for Kenya’s Equity Bank to distribute • Think Tank will generate its own independent solution in Fall, while crowdsourcing ideas from the rest of Penn in Spring

34. Project Timetable Week 0 3 6 9 12 15 18 21 24 Training & Textbook Independent Research Pitch Competition Building Bridges Project Training & Textbook Philly Project (4-6 weeks) Case Competition Independent Research Training & Textbook (12-16 weeks) Philly Project (6-12 weeks) • Microfinance 101 • Research 101 • Business Analysis • Textbook Compilation • Textbook Publication Pitch Competition • Determine research problem • Sample microentrepreneurs • Analyze quantitative and qualitative data • Draw conclusion(s) • Topics for further research IndependentResearch • Create Think Tank deliverable for Equity Bank • Marketing to other clubs and students • Logistics and Execution (14-17 weeks) • Perform analytical research on microfinance concepts under mentorship of professor • Conclude with end of semester deliverable

35. Flat Organizational Structure Think Tank Directors Assistant Director of Independent Research Assistant Director of Building Bridges Project Assistant Director of Pitch Competition Analyst Team Analyst Team Analyst Team • Potential for advancing to high leadership positions, even as a freshman • Other available positions: • - Secretary • - Finance Director • - Marketing Director • - Sourcing Director

36. Application Process • Why Think Tank? • Pre-professional skills & comprehensive training • Hands-on leadership experience • Recruiting 6-8 new Analysts for 12-member team • Fill out club application & email resume to pennmfcthinktank@gmail.com

37. Conference

38. Penn Microfinance Conference • First and largest undergraduate microfinance conference in the United States • Currently in its 9th year • Forum for students, academics and professionals to engage in conversation on current issues in microfinance • Past Speakers: • David Roodman, Senior Fellow, Center for Global Development • Alex Counts, President & CEO Grameen Foundation • William Abrams, President, Trickle Up • Gina Harman, Former CEO, ACCION USA • Matt Flannery, Former CEO and Current Chairman, Kiva

39. Past Conferences

40. The Team • 8 team members • Learn about microfinance • Research current themes in the industry • Develop ideas for conference theme • Research panel ideas • Gain hands-on experience planning a conference • Logistics • Speaker Outreach • Marketing

41. Next Steps

42. Join Penn Microfinance • Applications due by Monday, September 22 at 11:59 PM • Link can be found in our emails and on our website • http://tinyurl.com/PennMFC-Fall-App • Option to also help out with general club event planning (see application) • Email pennmfc@gmail.com with any questions or inquiries • Interviews will take place from Friday, September 26th – Sunday September 28th • All team decisions determined by Monday, September 29 • Microfinance 101 on Tuesday, September 30th with your teams

43. Additional Microfinance Opportunities

44. Compass Capital Recruitment for Fall 2014

45. Compass Capital • Compass Capital is the first and only student-run microfinance institution (MFI) that empowers Philadelphia entrepreneurs • We foster innovation and sustainability to revitalize Philadelphia’s microfinance market • Founded in Jan 2013 and formerly known as Bridging Communities Fund • Successfully raised seed capital in 2013 and will begin pilot program for microloans in late 2014 • Led by current and former Penn Microfinance board members

46. Microbusinesses are the backbone of Philadelphia’s economy, but are largely underserved 88,256 70,778

47. Compass Capital offers loan products and coaching services to help local micro-entrepreneurs

48. Compass Capital actively seeks out individuals who would benefit from our products Importance of credit and availability of resources is not well known in the Philadelphia community Compass Capital has made connections with groups full of potential candidates Financial literacy courses Small business development courses Still looking for a larger candidate pool for loans Explaining the benefits of a credit building loan is a complex process

49. Once loan applications are received, we review them as a team to disburse loan funds A variety of factors are used to determine loan disbursement, including: Past history Level of disposable income Back taxes or currently unpaid bills Housing situation Availability of collateral Goal is to find a ‘sweet spot’ where the loan assists the applicant but the applicant is still credit-worthy

50. Concurrently with these processes we are still looking for opportunities to grow Compass Capital is still very much a start-up Raising more loan capital is a priority On top of that also: Continuing to develop our internal loan management and disbursement systems Working with various government agencies to obtain different certifications and recognitions Building partnerships with other organizations throughout Philadelphia