1. MIMOSA 2.0 Emmanuelle Javoy, Daniel Rozas, Planet Rating & David Roodman

2. WHAT IS A CREDIT BUBBLE? June 20152SPTF in Cambodia

3. FINDEX: Borrowing Prevalence (2014) June 20153SPTF in Cambodia

4. MARKET CAPACITY IS NOT UNKNOWABLE June 20154SPTF in Cambodia

5. WHAT IS MIMOSA? June 20155SPTF in Cambodia

6. June 20156SPTF in Cambodia

7. June 20157SPTF in Cambodia

8. Market Capacity Credit Bureau Pop. Density HDI MIMOSA 2.0: Indicators June 20158SPTF in Cambodia

9. MIMOSA Scoring Scale June 20159 MIMOSA ScoreMIMOSA 1.1 5 3+ std. dev. over capacity 4 1.5 - 3 std. dev. over capacity 3 0 - 1.5 std. dev. over capacity 2 0 - 1 std. dev. below capacity 1 >1 std. dev. below capacity SPTF in Cambodia

10. MIMOSA Worldwide (2014) June 201510SPTF in Cambodia

11. Mimosa Model: Result June 201511 Penetration = Capacity SPTF in Cambodia

12. Penetration = Capacity Mimosa Model: Result June 201512SPTF in Cambodia

13. Mimosa in Cambodia (2014) June 201513SPTF in Cambodia

14. Mimosa in Cambodia (2011) June 201514SPTF in Cambodia

15. Mimosa in Cambodia (2008) June 201515SPTF in Cambodia

16. Mimosa in Cambodia (2014) June 201516SPTF in Cambodia

17. MIMOSA vs. Credit Bureau (Peru) June 201517

18. Penetration = Capacity Mimosa Model: Result June 201518SPTF in Cambodia

19. Penetration = Capacity Mimosa Model: Result June 201519SPTF in Cambodia

20. Penetration = Capacity Mimosa Model: Result June 201520SPTF in Cambodia

21. It’s not too late… June 201521SPTF in Cambodia

22. …but soon enough it will be. June 201522SPTF in Cambodia

23. THANK YOU Emmanuelle Javoy – javoy.emmanuelle@gmail.comjavoy.emmanuelle@gmail.com skype: javoy.emmanuelle – m: +33 6 61 32 19 34 Daniel Rozas – daniel@danielrozas.com skype: danrozas – m: +32 389 677 056 June 201523SPTF in Cambodia