EU/ACP Microfinance Peer Learning Event MIS Topic October 2 nd 2008
MIS Topics - Objectives n Remember that MIS must n n Be answering business needs, find a balance between constraints of cost, security and technology. n Understand the main challenges in selecting and implementing MIS Systems n To have an overview of the various solutions to define and enhance your MIS n n n Your experiences and your questions Additional examples from Horus’ experiences Some best practices Learning Café 2
MIS key challenges Business strategy Rural - Urban / NGO – MFI –Bank Products & services (Current/ Target) Expansion strategy… Functional understanding Need Assessment Budget Ressources HR (Workload & Competences Internal or external) Telco network’s quality Security, Hardware Technical constraints Core Business System Selection Additional functionalities Bank oriented or MFI oriented ? Centralized or Decentralized ? Software or Home-made ? Outsourcing ? Commercial, open-source or not for profit vendor ? … New versions Additional modules Bug Anomaly's correction Maintenance Additional Systems Delivery 3 channels 3
functional map MINIMUM SCOPE MAXIMUM SCOPE DELIVERY CHANNELS CUSTOMER MANAGEMENT RETAIL PRODUCTS Current account Saving deposits TREASURY Deposits WALK-IN CUSTOMER MANAGEMENT REMITTANCES Loans Card services FOREIGN CURRENCIES FIXED ASSET MANAGEMENT COLLATERAL MANAGEMENT CREDIT SCORING OPERATIONAL REPORTING HUMAN RESSOURCES ACCOUNTING PAYROLL BUDGET REPORTING / PROCESS INVENTORY BUSINESS INTELLIGENCE 4
Learning Café Menu Your questions and experiences n First Course: Urban MFIs and MIS / Centralised n n Second Course: MIS in Remote and Rural Areas / Distributed n n n How cost effective are the software packages other partners are using ? ( Urwego , Rwanda, Implementation of Emerge) A manual system of tracking records is tedious ( Urwego, Rwanda) Software’s implementation (Orbit in Advans Cameroun - Microbanker in LFS Madagascar) What are MIS systems that work in rural settings (low internet connectivity and electricity) ? (SIDI, Africa) How do smaller MFIs cover costs of MIS systems? (Aquadev, Senegal) Developed MIS Semi-computerized system based on Excel ( Aquadev, Senegal) Develop a simple software for MUSO (mutuelles de solidarite (MUSO) Dessert: Technology and Additional Functionality n n What are cellphone banking experiences? (OI-UK, Africa) LFS : Start data base for Credit Scoring, LFS : Recent approval to introduce international money transfers using SWIFT and an alliance with Money Gram expected end of 2008 OIBM (Malawi) faces challenges with AIMS (Automated Insurance Management System) and is now looking for other available MIS options 5
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