Biometrics in Microfinance: Using Technology to Reach the Masses

Table of Contents

• Table of Contents
• Financial Insights Opinion
• In This Report
  • Brief Description of the Solution
• Situation Overview
  • Microfinance Players
    • Informal
    • Semiformal
    • Formal
  • Microfinance Characteristics
    • Relatively High Administrative Costs
    • Figure: Grameen Bank' s Portfolio-at-Risk Ratio, 2002-2005
    • Heavy Reliance on Personal Contact with Clients
    • Growing Focus on SMEs and Micro-Enterprise
  • Microfinance Technology
    • Current Technologies in Use
    • Biometrics and Smart Cards
      • Biometrics
      • Smart Cards
  • Microfinance in Indonesia
    • Bank Rakyat Indonesia
    • Figure: Bank Rakyat Indonesia' s Loan Composition by Segment, 2006
    • Figure: Bank Rakyat Indonesia' s Kupedes Loan Value, 2002-2006
    • Figure: Bank Rakyat Indonesia' s Nonperforming Loan Ratio, 2002-2006
    • Case Study 1: Bank Danamon' s DSP Program
      • DSP Units
      • Figure: Bank Danamon' s Number of DSP Units, 2004-2006
      • Biometric and Smart Card Utilization
      • Success of the DSP Program
      • Figure: Bank Danamon' s Outstanding DSP Loans, 2004-2006
      • Figure: Bank Danamon' s Loan Share by Segment, 2005
      • Figure: Bank Danamon' s Loan Share by Segment, 2006
• Future Outlook
  • Microfinance in India
  • Figure: SKS Microfinance' s Outstanding Loans, 2004-2007
    • Case Study 2: ICICI Bank' s Rural Banking Program
      • Biometric Account Access
      • Figure: ICICI Bank' s Rural Banking Assets, 2004-2007
• Essential Guidance
  • Actions for Financial Institutions
  • Actions for Vendors
• Learn More
  • Related Research
  • Synopsis