1. Welcome to Fair Finance
Launched 2005
Welcome to Fair Finance

3. Current coverage and client spread

4. Challenges Massive increase in demand for all products
Change in the type of client
Small and medium businesses, not just start ups
Home owners, not just renters
Recently financially excluded for unsecured credit, rather than long term excluded
Change in demand/product need
Massive reduction in available funding
Shift in public finances and private finances

5. Serving the base of the pyramid just became more complex, harder , and much bigger!

6. Achieving double bottom line
Raising interest rates
Increasing loan size range
Incentivizing referral relationships
More rigorous review of portfolio metrics
Finding new types of investors
Product diversification for new entrants
Increased number of metrics reviewed
Online disclosure

7. Upside down thinking
Revisit mission and your clients – they create sustainability
Managed complexity reduces overall risk
Bad debts can go down
Bigger market space to compete in = investment opportunity
Limiting resource may be people not finance
Product diversification opens new opportunities and partnerships
Price is not the determining factor… access

8. transforming communities
truly competitive
transforming communities
simple & convenient
combating illegal lenders
breaking the cycle of poverty
a social investment
addressing social
exclusion
trustworthy & reliable
part of the community
human impact
individual money management
stimulating local
enterprise
a real alternative
a true local initiative
sustainable