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2. How Does SPM Help Financial Institutions Address Operational Challenges? “Delivering products that are flexible for clients without exceeding the institution’s capacity” 2

3. Heading Title Calibri Font ( 25pt ) 3 Who We are? Was founded by Concern Worldwide in 1990s Transform to MFI in 2013 Become an MDI in 2010 "to help large numbers of poor people to improve their livelihood options through the delivery of appropriate and viable microfinance services”.

4. Heading Title Calibri Font ( 25pt ) 4 What AMK’s SPM does Who is Our client How do We segment Them What product/service They need What challenges are We facing or will face How do They accept Our product What can We do better for Them

5. Heading Title Calibri Font ( 25pt ) 5 Why offer this product?

6. Heading Title Calibri Font ( 25pt ) 6 AMK Cost Risk of NPL Efficiency/Producti vities Legal requirement Client Price Flexibility Fast Less condition

7. Heading Title Calibri Font ( 25pt ) 7 What’s product to offer Longer tenor Multiple disbursement and collection No commitment or unutilized fee Price at the same level as other peer product

8. Heading Title Calibri Font ( 25pt ) 8 To Client Reduce risk of seasonal cash flow Lower financial cost Drawdown as needed No pressure on timing

9. Heading Title Calibri Font ( 25pt ) 9 To AMK High client satisfaction Reduce the financial pressure to client High retention rate Higher Operation cost Higher Financial cost

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