Microfinance Consulting
The Margdarshak model of mentoring microfinance institutions primarily aims at increasing the efficiencies of the organization for up-scaling its mf operations and delivery financial products & services in a sustainable manner. The support package is ideally spread over a period of 8 months during which a professional is attached to work onsite and handhold the change process with each client for a period of 6-10 days at a stretch in the initial 5 months and then 4-5 days per month for rest of the contract period. In addition, Margdarshak undertakes specific customized consulting assignments for organizations involved in direct lending or at policy making.
Type of Services

(1).Rapid Institutional Assessment (RIA)

As the 1st step, Margdarshak conducts a rapid institutional assessment of the client organisation. Using the format developed by MicroSave India, RIA is primarily conducted with an objective of understanding the current level of operational mechanisms and efficiencies, governance structure, regulatory structures, strategic road- map, financial management, Human Resources, client requirements and products & services being offered by the organisation.

(2).Strategic Business Planning

The RIA is on a standard basis followed by a 4 day strategic business planning exercise which includes developing 10 year perspective plan of the organisation in terms of organisational model and mechanisms, establishing key operational (outreach) and financial milestones etc. Using the KOGMA (Key objectives, Goals, Measures and Activities) framework, developed by MicroSave India, the SBP serves as an organisational guide for facilitating its growth and movement over next 1 decade.

(3).Financial Business Planning

Subsequent to the strategic business planning, Margdarshak develops a 5 year financial business plan using the standardized business planning tools. The business plan primarily develops projections on outreach, portfolio, case-loads, branch expansion, operational and fixed expenses, cash-flow, balance sheets and net-worth etc.

(4).Strengthening of Internal Mechanisms for Operations and financial management

Making use of process mapping tools, developed by MicroSave, Margdarshak picks up various operational aspects of the MFI and identifies the scope of improvement in each aspect. The tool enables the organisation in understanding and documenting the processes to be followed in each operation and develops a reader friendly ready-reckoner on standardised processes.

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