GAUL: Microfinance Data What is it, how can I get it and what can it tell me?

The Premier Source for Microfinance

Microfinance Information Exchange

Microfinance DataWhat is it, how can I get it and what can it tell me?

The Premier Source for Microfinance

Data and Analysis

This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this

presentation without MIX’s prior written permission is strictly prohibited.

• Twitter: 140 million users

• All income strata

• Microfinance: 140 million users

• Focus on the poor

Where should I look for data on the marginalized and excluded?

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presentation without MIX’s prior written permission is strictly prohibited.

• Range of uses

• Data easy to get

• Used for business investment,

household expenses, basic needs

• Data not-so-easy to get2

Where microfinance data comes from: inside the MFI

Back-office systems External reportingFront-office systems

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presentation without MIX’s prior written permission is strictly prohibited.

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Pros:

Frequent

Granular (client-level)

Cons:

Not standardized

Confidential

Pros:

Standardized

Public

Cons:

Slow

Aggregated (inst.-level)

Pros:

Close to clients

Likely frequent

Cons:

Not digitized

Not standardized

Aggregate data helps to understand sector dynamics

Number of clients

(normalized for sector peak)

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presentation without MIX’s prior written permission is strictly prohibited.

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Microfinance risk factors: early warning signalso

pe

rati

on

al

da

ta

Source: University

of Zurich, “Over-

indebtedness and

Microfinance

Constructing an

Early Warning

Index”

This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this

presentation without MIX’s prior written permission is strictly prohibited.

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Ba

sic

op

era

tio

na

l d

ata

Su

rvey

/ sen

time

nt d

ata

Identifying supply and demand gaps: Kenya

Access points by % financially excluded Access points by district-level poverty and

provider type

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presentation without MIX’s prior written permission is strictly prohibited.

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Identifying industry hotspots: Bosnia (post crisis)

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presentation without MIX’s prior written permission is strictly prohibited.

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Tracking industry sentiment: news on Kyrgyzstan

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presentation without MIX’s prior written permission is strictly prohibited.

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Loan portfolios (10 years) Investment flows (5 years)

• Data comes from somewhere

– Understanding the supply chain for data is key to finding

scalable solutions

• Interpretation can be ambiguous

– Credit growth: positive investment outlook or debt spiral?

Key points for microfinance data

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presentation without MIX’s prior written permission is strictly prohibited.

– Credit growth: positive investment outlook or debt spiral?

– Savings growth: bad investment outlook or asset-building?

– Risk indicators help identification, but are harder to find

• Augmenting with outside data sources provides

additional context

– Reputation risk and political and regulatory factors

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MIX partners with a dedicated group of industry leaders:

MIX Global and Project Partners

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presentation without MIX’s prior written permission is strictly prohibited.

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Baku, Azerbaijan 44 J. Jabbarli st. Caspian Plaza I, 5th Floor,

Microfinance Information Exchange

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