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研究生： 那狄楷
Nath, Debendra
論文名稱： 諾基亞及小額信貸對印度之影響
Nokia and microfinance in India
指導教授： 吳文傑
Wu, Jack
學位類別： 碩士
Master
系所名稱： 商學院 - 國際經營管理英語碩士學位學程(IMBA)
International MBA Program College of Commerce(IMBA)
論文出版年： 2011
畢業學年度： 99
語文別： 英文
論文頁數： 45
中文關鍵詞： 諾基亞及小額信貸
外文關鍵詞： Nokia and microfinance
相關次數： 點閱：254  下載：25 
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    • This paper begins with an introduction to the concept of microfinance, lending models in India and key strengths of Indian MFIs. The term microfinance refers to small-scale financial services both credit and savings- that are extended to the poor in rural, semi-urban and urban areas. The poor need microfinance to undertake economic activity, smoothen consumption, mitigate vulnerability to income shocks (in times of illness and natural disasters), increase saving and support self-empowerment.
    This paper discuss about Nokia initiative to further increase mobile penetration in India via microfinance root. Nokia found most of the people living in village and they don’t have money to buy mobile phone by cash. Nokia had tied up with microfinance institutions SKS microfinance to sell mobile phone which will help poor peoples. Microfinance sector has been growing at upwards of 50 % per annum – even higher than the mobile phone industry.
    The trend towards marketing in small, relatively poor communities on the part of multinational corporations (MNCs) is picking up as microfinance increases purchasing power amongst rural consumers. This paper will discuss particularly Nokia’s success in microfinance and how it helps Nokia to consider as number one (#1) most trusted brand in India.
    This paper also analyzes the conceptual framework of micro financing in India and impact of microfinance on rural poor. The role of Self Help Group (SGH) , lending institutions , central bank and Government. The success and controversy faced by microfinance institutions. Many finance experts are discussing and commenting microfinance is India’s subprime.
    The paper offers some suggestions on what it would take to reform these institutions with an eye to improving access for the poor and entrepreneur skill.

    CHARTS 5
    TABLE 5
    CHAPTER 1: AN INTRODUCTION TO MICROFINANCE 6
    1.1 What’s microfinance? 6
    1.2 Need for microfinance in India 7
    1.2.1 Why the Bank Network has failed to deliver? 7
    1.3 Microfinance market and its participants in India 8
    1.4 Differentiating factors of MFIs 9
    1.5 Lending model 9
    1.6 Legal structure 10
    CHAPTER 2: KEY STRENGTHS AND WEAKNESSES OF INDIAN MFIS 12
    2.1 Strong business growth, improving geographic diversity 12
    2.2 Healthy asset quality 14
    2.3 Key weaknesses found amongst many MFIs in India 16
    2.4 Matter of concern 17
    2.4.1 Mission Drift 17
    2.4.2 Use of Loans 17
    2.4.3 Multiple-borrowing 18
    2.4.4 Quality Issues 18
    CHAPTER 3: NOKIA AND MICROFINANCE 19
    3.1 Why Nokia initiate microfinance root to sell mobile phone in India? 19
    3.2 Roots of SKS Microfinance 19
    3.3 Bringing mobile closer to the next billion 20
    3.4 Nokia bring new Mobile Phone Features for Rural Poor 21
    3.5 Success and challenge for Nokia microfinance 23
    3.6 New Frontiers 25
    3.7 Getting Crowded 26
    3.8 Most Trusted Brand 28
    CHAPTER 4 : CURRENT CONTROVERSY ON MICROFINANCE 30
    4.1 Micro Credit Bubble 30
    4.2 Microfinance industry draws scrutiny 31
    4.3 Microfinance in India is like subprime lending 32
    4.4 Looking at microfinance, dispassionately 33
    CHAPTER 5: CONCLUSIONS 36
    5.1 Double bottom line 36
    5. 2 Microfinance institutions need succour 37
    5.3 Conclusions 38
    REFERENCES 40
    APPENDIXES 42
    A. CRISIL List of Top 50 Microfinance Institutions in India by Loan Amount Outstanding for 2009 42
    B. SKS Chart after IPO 43
    C. Glossary 43
    D. Top 50 Most Trusted Brands in India 44

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    Reuters STOCKS SKS Microfinance Ltd (SKSM.BO)
    http://www.reuters.com/finance/stocks/chart?symbol=SKSM.BO
    Brand Equity Survey: India's top 10 most trusted brands
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