Microfinance Banana Skins 2008 - Citigroup

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C S F I / New York CSFICSFICENTRE FOR THE STUDY OF FINANCIAL INNOVATION5, Derby Street, London W1J 7AB, UKTel: +44 (0)20 7493 0173 Fax: +44 (0)20 7493 0190Microfinance Banana Skins 2007This survey seeks to identify the risks facing the microfinance industry (MFI) over the medium term, asseen by practitioners, investors and other close observers. Its focus is the commercial MFI sector, bywhich we mean institutions which are run for profit and have assets of more than US$5 million.Please read the accompanying guide for information on how to complete the questionnaire.Please complete and return this questionnaire to us by October 31st 2007NameInstitutionPositionCountryReplies are in confidence, but if you are willing to be quoted in our report, please tickWhat is your perspective on the microfinance industry?PractitionerRegulatorInvestorAnalystOther (please state)Question 1. Please describe the main risks you see facing the microfinance industry (bothindividual institutions and the sector as a whole) over the next two to three years.Please turn over36 CSFI / New York CSFI E-mail: info@csfi.org.uk Web: www.csfi.org.uk
C S F I / New York CSFIQuestion 2. Here are some areas of risk which have been attracting attention. How do you ratetheir severity, and what is their trend: rising, steady or falling? Use the right hand column to addcomments. Insert more risks at the bottom if you wish.Severity Trend1=low Rising5=high SteadyCommentFalling1 Back office operations2 Capital availability3 Competition4 Corporate governance5 Cost control6 Credit risk7 Distribution channels8 Foreign exchange9 Fraud10 Funding - too little11 Funding - too much12 Inappropriate regulation13 Interest rates14 Liquidity15 Macro-economic trends16 Management quality17 Managing technology18 Mission drift19 Natural catastrophes20 Ownership21 Political interference22 Product development23 Profitability24 Refinancing25 Reputation26 Staffing27 Strategy28 Transparency29 Unrealisable expectations30Question 3. How well prepared do you think your own and other institutions are to handlethe risks you have identified?PoorlyMixedWellCSFI / New York CSFI E-mail: info@csfi.org.uk Web: www.csfi.org.uk 37
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