EU/ACP EU/ACP Microfinance Peer Learning Microfinance Peer Learning

EventEvent

MIS Topic MIS Topic

OctoberOctober 2 2ndnd 2008 2008

2

MIS Topics - ObjectivesMIS Topics - Objectives

Remember that MIS mustRemember that MIS must Be answering business needs,Be answering business needs, find a balance between constraints of cost, security and find a balance between constraints of cost, security and

technology.technology.

Understand the main challenges in selecting and Understand the main challenges in selecting and implementing MIS Systemsimplementing MIS Systems

To have an overview of the various solutions to To have an overview of the various solutions to define and enhance your MISdefine and enhance your MIS Your experiences and your questionsYour experiences and your questions Additional examples from Horus’ experiencesAdditional examples from Horus’ experiences Some best practicesSome best practices

Learning Café

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MIS key challengesMIS key challenges

Core Business SystemSelection

Bank oriented or MFI oriented ?Centralized or Decentralized ?

Software or Home-made ?Outsourcing ?

Commercial, open-source or not for profit vendor ? …

Ressources

Additional functionalities

Functional understanding

Rural - Urban / NGO – MFI –BankProducts & services (Current/ Target)

Expansion strategy…

Telco network’s qualitySecurity, Hardware

Budget HR (Workload & Competences

Internal or external)

Need Assessment

Technicalconstraints

Businessstrategy

MaintenanceAdditional modules

New versions Bug Anomaly's correction

Additional Systems

Delivery channels

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functional mapfunctional map

RETAIL PRODUCTS

Current account Saving deposits

Deposits Loans Card services

BUSINESS INTELLIGENCE

OPERATIONAL REPORTING

BUDGET REPORTING / PROCESS

ACCOUNTING

COLLATERAL MANAGEMENT

CUSTOMER MANAGEMENT

REMITTANCES

FOREIGN CURRENCIES

WALK-IN CUSTOMER MANAGEMENT

DELIVERY CHANNELS

FIXED ASSET MANAGEMENT

PAYROLL

INVENTORY

CREDIT SCORING

TREASURY

HUMAN RESSOURCES

MINIMUM

SCOPEMAXIMUM

SCOPE

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Learning Café Menu Learning Café Menu YYour questions and experiencesour questions and experiences

First Course: Urban MFIs and MIS / CentralisedFirst Course: Urban MFIs and MIS / Centralised How cost effective are the software packages other partners are using ? How cost effective are the software packages other partners are using ?

(Urwego , Rwanda, Implementation of Emerge)(Urwego , Rwanda, Implementation of Emerge) A manual system of tracking records is tedious (Urwego, Rwanda)A manual system of tracking records is tedious (Urwego, Rwanda) Software’s implementation (Orbit in Advans Cameroun - Microbanker in LFS Software’s implementation (Orbit in Advans Cameroun - Microbanker in LFS

Madagascar)Madagascar)

Second Course: MIS in Remote and Rural Areas / DistributedSecond Course: MIS in Remote and Rural Areas / Distributed What are MIS systems that work in rural settings (low internet connectivity and What are MIS systems that work in rural settings (low internet connectivity and

electricity) ? (SIDI, Africa)electricity) ? (SIDI, Africa) How do smaller MFIs cover costs of MIS systems? (Aquadev, Senegal)How do smaller MFIs cover costs of MIS systems? (Aquadev, Senegal) Developed MIS Semi-computerized system based on Excel (Aquadev, Senegal) Developed MIS Semi-computerized system based on Excel (Aquadev, Senegal) Develop a simple software for MUSO (mutuelles de solidarite (MUSO) Develop a simple software for MUSO (mutuelles de solidarite (MUSO)

Dessert: Technology and Additional FunctionalityDessert: Technology and Additional Functionality What are cellphone banking experiences? (OI-UK, Africa)What are cellphone banking experiences? (OI-UK, Africa) LFS : Start data base for Credit Scoring, LFS : Start data base for Credit Scoring, LFS : Recent approval to introduce international money transfers using SWIFT LFS : Recent approval to introduce international money transfers using SWIFT

and an alliance with Money Gram expected end of 2008 and an alliance with Money Gram expected end of 2008 OIBM (Malawi) faces challenges with AIMS (Automated Insurance Management OIBM (Malawi) faces challenges with AIMS (Automated Insurance Management

System) and is now looking for other available MIS options System) and is now looking for other available MIS options