EMN CONFERENCE
Internet-based information technology
in microfinance
Improving the quality of services
London
23-25 June 2010
Regional Foundation
for Enterprise Promotion
of the Town of Székesfehérvár
Overview
• Established in 1991
• Activities:
• microcrediting/microfinance
• more than 2000 clients to date
• 281 active clients
EUR 13 M disbursed to date
• average loan size: EUR11 – 37000
•
• teaching entrepreneurial knowledge
• Internet-based service
providing system
• used by 12 LEA
Fejér Enterprise Agency
®
• Giordano Dell’Amore Award
• Jasmine TA
Target groups:
Clients
Credit brokers
online credit application
MFIs
online credit application
online credit application
• webshop
• wizard
online credit application
online credit application
• check-list
• remote help
Online credit application
Target groups:
Clients
Credit brokers
MFIs
online credit application
online credit application
online credit application
financial analysis
financial analysis
financial analysis
5
4.5
4
3.5
3
2.5
2
financial analysis1.5
1
0.5
0
financial analysis
2007
2008
financial analysis
2009
2010
Liquidity
Indebtedness
Profitability
Efficiency
Target groups:
Clients
Credit brokers
MFIs
online credit application
online credit application
online credit application
financial analysis
financial analysis
financial analysis
company browser
company browser
company browser
company browser
company browser
company browser
Target groups:
Clients
Credit brokers
MFIs
online credit application
online credit application
online credit application
financial analysis
financial analysis
financial analysis
company browser
company browser
company browser
microsites
microsites
microsites
microsites
microsites
microsites
Target groups:
Clients
Credit brokers
online credit application
MFIs
online credit application
online credit application
credit
assessment
financial analysis
financial analysis
financial analysis
company database
company database
company database
microsites
microsites
microsites
Credit Assessment Management:
• Starting the electronic process
• Preparatory phase
• Expert evaluation
• Electronic voting
• Closing the electronic process
Credit Assessment Management:
• Starting the electronic process
Credit co-ordinator
• Preparatory phase
Tasks:
• Expert evaluation
• Electronic voting
• Closing the electronic process
• to assign committee members
• to determine quorum
• to set possible closing date
• to set e-mail, sms sending functions
Credit Assessment Management:
• Starting the electronic process
• Preparatory phase
• Expert evaluation
• Electronic voting
• Closing the elctronic process
Tasks:
• Preparation
• credit details are checked
• necessary documents are uploaded
• Debtor rating
• scoring system
• on-site visit
• personal interview
• checking past financial performance
Credit Assessment Management:
• Starting the electronic process
• Preparatory phase
• Expert evaluation
• Electronic voting
• Closing the electronic process
O.K.
Credit Assessment Management:
• Starting the electronic process
• Preparatory phase
• Expert evaluation
• Electronic voting
• Closing the electronic process
Approved
Credit Assessment Management:
• Starting the electronic process
• Preparatory phase
• Expert evaluation
• Electronic voting
• Closing the electronic process
Credit co-ordinator
www.vallalkozastan.hu
www.credinfo.eu