Presented by: Anupam 2007CS50211 Vikas Prajapati 2007CS

Introduction Related Work Problem Description Solution Design Results and Discussion 2

3 Microfinance, Self Helf Groups and the Problem

Financial services to low-income clients who lack access to formal banking Provides access to credit, savings and insurance. 4

10-20 participants per group Support from NGOs, banks and government agencies 86 million households; 6 million SHGs; $3.7 billion savings 5

Data Accuracy and Completeness Process Efficiency Only 15% complete, updated and accurate records Diminishes the ability of the SHG to borrow money from financial institutions. Debt/Equity ratio: 1.4 compared to maximum 4 6

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Camera-enabled mobile phones, Simputers, handheld devices, palm pilots, J2ME applications on Java phones, Laptops. Low financial viability of all these systems. No deployment of scalable model. Paper based system preferred by the users. 8

Phone: Voice in voice out IVRS: Text in Voice out Menu Based: Graphic SMS: Text in Text out Enter electronic data through a natural UI involving writing. 9

OMR/OCR like model. Mobile phones to capture data from paper forms. Digital pen Plain paper Special paper All processing done on PC No real-time feedback Intuitive and natural UI required 10

11 Paper-only and Computer Munshi

12 Paper-Only Ledger maintenance Heavy burden on the Writer Inaccurate and Inefficient Computer Munshi (CM) PM/CM charge money Long cycle period (~1 week) Unexpected additional time

Low Data Accuracy Recording errors Calculation errors Legibility problems Low Data Completeness Low Process Efficiency Error resolution Transport delays Extended meeting time 13

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Easily usable by Writers Reliable and transparent to members Functional in remote locations Financially sustainable with user fees only 15

 Stylus, keypad or keyboards input  Voice input  Handwritten input with Digital pen 16

Built Record Management software Navigation using stylus Digit recognizer (local language) Computation logic Speaker for audio feedback Immediate error resolution 17

Single point of data entry Natural input mechanism No need for manual calculations Instant updates reported Audio output for verification Completeness checks 18

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Automatic calculations a big help Immediate error correction Transparency due to voice feedback No time constrained physical movement of paper Handwritten mechanism favored by users Less recording time All key areas of concern addressed. 22

More effort required to gain user acceptance Comparable data quality and efficiency using purely electronic solution Gradual shift from original user habits 23

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