2013 P2P Microfinance
Summer Program Introduction
Cupertino. Fremont. Diamond Bar. Irvine. Millbrae/San Francisco. Pleasanton. San Marino. Beijing
P2P Microfinance Innovation
est. 1986
P2P (Peer to Peer) Mircofinance:
Helped 20 MM Poor
Loans amount over $350B
Repayment Rate 97%
Dr. Muhammad Yunus
2006 Nobel Peace
Prize Winner
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Everyone has Credit,
and credit has Value!
China’s Economic Growth
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Impoverished Chinese Rural Areas
600 of 2862 Counties in China are considered as areas under
the UN poverty line
100MM people in China live on less than US$1 a day
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
CreditEase: YiNongDai Program
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
How Does YiNongDai Work?
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
P2P: Changing People’s Destinies
A small amount of money could make
a HUGE impact on a family’s life!!!
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Borrower No. 1
Group 1 & 4’s
Choice
姓名:
岳增勤
年龄
38
地址:
虞城县闻集乡闻集街
身份证号码:
411425197202143623
主要经营:
经商
贷款金额:
4000 元
贷款用途:
经营五金
客户状况：
岳增勤自 2001 年加入小额信贷项目后,利用贷款在闻集开了一家五金杂货铺,
由于经营有方,当年把贷款还清还净赢利 7000 元左右。第二年申请第二笔贷款加
上自己的一些积蓄又向亲戚朋友借了一些资金,盖起了门面房,主要经营五金电料、
各种电器。 将来准备继续扩大经营规模，增加经营种类，把自己的铺子变成一家
五金电器超市。
贷款次数:
10 次
历史信用记录:
优
本次贷款起始日期:
2010/9/29
还款日期及金额：
2010 年 10 月 14 号
各期还款日期:
网络链接地址
84
50 周还款
http://www.yinongdai.com/myLoan/1208_8/myLoanDtl.shtml
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Borrower No. 2
Group 2’s
Choice
姓名:
马菊花
年龄
39
地址:
河南省虞城县李老家街
身份证号码:
412321711225544
主要经营:
粮油
贷款金额:
4000
贷款用途:
流动资金
客户状况：
马菊花在李老家街租了两间门面。自 05 年就一直做粮油生意，现在大豆油
是直线上涨，现在她想多进一批大豆油，因资金周转不开，又在扶贫社贷款
4000 元作为流动资金。
贷款次数:
4
历史信用记录:
优
本次贷款起始日
2010 年 10 月 13 日
期:
还款日期及金额：
2010 年 10 月 27 号
各期还款日期:
网络链接地址
84 元
50 周还款
http://www.yinongdai.com/myLoan/1276_8/myLoanDtl.shtml
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Follow-ups with the Borrowers
岳增勤在2010年9月份申请贷款4000元进货，在闻集街经营一家五金杂货铺,
在农村春节过后装修房子的不多，五金电料平均每月能盈余1500元，现在将
要进入夏季，目前计划进一批电风扇种电器，现在批进电风扇价格便宜，以
备夏季销售。
贷款归还情况：分别在2010-12-29与2011-03-29两天，分别足额归还本
金和利息￥1020。
马菊花现在在李老家街粮油生意还不错，现在食用油价格是直线上涨，占用
资金成本很大，每月盈利2000元左右，再有一个月到了小麦收获季节，计划
与面粉厂收购小麦。
贷款归还情况：分别在2011-01-13与2011-04-13两天，分别足额归还本
金和利息￥1020。
李四的超市规模现在越来越大，每月的收入非常可观，计划再接一个品牌的
奶粉，提高自己超市的知名度。
贷款归还情况：分别在2011-01-13与2011-04-13两天，分别足额归还本
金和利息￥1020。
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Valuable Experiences
Real Business Experiences
Real P2P model
Real loan, real money, real transaction
Real borrowers / people need financial support
Real business interviews
Real business analysis
Unforgettable Life Experiences
Being a teacher
Being a farmer
Being a leader
Being a teammate
Being a better person…
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Student Comments
- Belinda Zeng
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Student Comments
- Johan Qin
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Program Goals
Fundamentals on finance and microfinance
P2P microfinance models and platforms
Basics on how to evaluate a business
Real experience of learning how a little amount of money
can change someone’s life
And
Teamwork
Communications
with teachers, teammates, borrowers, local kids etc.
Interviews / Presentations
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Program Tasks
Conduct research on microfinance & P2P financing model
Receive trainings on fundamental concepts on finance and microfinance,
communications, how to review a business, and how to make a speech
or presentation
Complete P2P financing/loan process via CE P2P Platforms – Group
decisions
Conduct field trips to interview borrowers on site at Tongxin, Ningxia,
China
Participate in other philanthropy and networking activities in China, such
as teaching and interacting with the kids at local school…
Prepare final reports and group presentations
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Program Trainings
Effective Communications
Self-Introductions
On-site business interviews
Teaching village school kids
Basics on How to Evaluate a Business
4 P’s
4 C’s
SWOT Analysis
Financials/Income Statement
How to make a Speech or Presentation
Story-Telling, experience sharing
Group Presentation
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
Program Schedule
Time
Day 1
Day 2
Place
Hotel
Description
Flying from the US to Beijing.
Arriving at Beijing Airport.
AM: Program instructions, Lecture on China Envoirment & Culture;
Miaoling
PM: Homework review, grouping and training
Hotel
Group sharing and personal journals in the evening
AM: Training: Communications ;
Miaoling
PM: Story-Telling: Summer experience in the past; Movie: Not One Less
Hotel
Group sharing and personal journals in the evening.
Training on microfinance & P2P lending model;
Miaoling Group selection of borrowers;
Hotel Borrower interview preparation, interview questionnaires;
Group sharing and personal journals in the evening.
Beijing
Day 3
Beijing
Day 4
IvyMax Beijing
Day 5
IvyMax Beijing
Day 6
IvyMax Beijing
Day 7
Yanchin
Yanchi
Hotel
Day 8
Yanchin
Yanchi
Hotel
Day 9
Yanchin
Yanchi
Hotel
Day 10
Yanchin
Yanchi
Hotel
Day 11
Yanchin
Day 12
IvyMax Beijing
Day 13
CreditEase
IvyMax Beijing
Day 14
IvyMax Beijing
Day 15
Beijing
AM: Training: How to Evaluate a Business ;
PM: Visiting Beijing Tian An Men Squre;
Taking train from Beijing to Yanchi, Ningxia.
AM: Arriving in Tongxin; Checking in at local Hotel;
Meeting local MFI partner;
Visiting Local Village School;
Group sharing and personal journals in the evening.
AM: On-sie interviews with borrowers (by groups);
PM: Teaching computer and English basics at Local Village School;
Group sharing and personal journals in the evening.
AM: On-sie interviews with borrowers (by groups);
PM: Teaching computer and English basics at Local Village School;
Group sharing and personal journals in the evening.
Farming Day: Helping borrowers with their farm works;
Group sharing and personal journals in the evening.
AM: Farming Day: Helping borrowers with their farm works;
PM: Taking train from Yanchi to Beijing.
AM: Arriving in Beijing; Checking at Hotel in Beijing;
Miaoling
PM: Trip wrap-ups; Training contents review; Assignments;
Hotel
Group sharing and personal journals in the evening.
AM: Visiting CreditEase (Lectures & discussions);
Miaoling PM: Training: How to Make a Speech or Presentation ;
Hotel
Story-telling: P2P summer experience;
Group sharing and personal journals in the evening.
Miaoling AM: Preparing final presentations (by groups);
Hotel PM: Final group presentations (competition).
Flying back to the US from Beijing.
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing
P2P: A Self-Finding Journey!
A Journey of Poverty2Prominence!
Thank You!
The Gateway to Your Dream College and Beyond!
Cupertino, Fremont, Irvine, Millbrae, Pleasanton, San Marino, Beijing