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Housing Microfinance Seminar Karachi, September 06, 2012

Regulatory Framework of Housing Microfinance Qazi Shoaib Ahmad Agricultural Credit & Microfinance Department State Bank of Pakistan . Housing Microfinance Seminar Karachi, September 06, 2012. Financial Exclusion. 56% of the adult population does not have access to financial services .

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Housing Microfinance Seminar Karachi, September 06, 2012

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  1. Regulatory Framework of Housing Microfinance Qazi Shoaib AhmadAgricultural Credit & Microfinance DepartmentState Bank of Pakistan Housing Microfinance Seminar Karachi, September 06, 2012

  2. Financial Exclusion 56% of the adult population does not have access to financial services The Formally Served The Informally Served The Financially Excluded Source: Access to Finance Survey 2

  3. Financial Inclusion Number of Deposit Accounts = 30 million Number of M-wallets = 1.44 million 3

  4. MF Industry Infrastructure Industry Players and their market share in terms of GLP Infrastructure • 10 Microfinance Banks (MFBs) • 5 Rural Support Programs (RSPs) • 9 Specialized Microfinance Institutions (MFIs) • 9 NGOs • Outlets: 1739 4

  5. Legal & Regulatory Framework • Features • Global recognition • National MF strategies (I&II) • Financial Inclusion Program (FIP) • BB models creating space for com. banks and telcos in MF space • Industry Consultative Groups – MFCG/BBCG • Coordination among regulators (SBP- SECP-PTA) • Financial Literacy / Capacity Development Programs • MF-specific Bureau • Historical Trends • loans & deposits • Portfolio at Risk (PAR) • Loan yields • Profitability Journey of Microfinance Micro Credit to Microfinance Brick and Mortar to Branchless Banking Non Licensed to SBP regulated Social safety net toAccess to finance 5

  6. Types of Micro-Credit • Note: • At least 60% of housing loan portfolio of an MFB should be within the loan limit of Rs. 250,000/- or below. 6

  7. How are Micro Housing Loans Different from Micro Enterprise Loans? 7

  8. Conclusion 8

  9. Thank you!

  10. Legal & Regulatory Framework • Microfinance Institutions Ordinance 2001 • Prudential Regulations for MFBs • Microfinance Licensing Criteria • NGO Transformation Guidelines • Branchless Banking Regulations • Guidelines for Commercial Banks to undertake Microfinance Business • Guidelines for Islamic Microfinance Business by Financial Institutions Back

  11. International Recognition Back

  12. Strategic Framework for Sustainable Microfinance (2011-2015) Back

  13. Financial Inclusion Programme (£50m) Leverage technical assistance, surveys and technology across all facilities Back

  14. Branchless Banking Models in Pakistan Back

  15. Advances & Deposits Growth Back

  16. Portfolio Quality Pakistan MF Sector Back

  17. Yield on Loan Portfolio Back

  18. Profitability Back

  19. Housing Finance Regulation Regulation 10: Maximum Loan Size and Disclosure of Basic Terms & Conditions of Financial Products: (Revised through MFD Circular No. 02 of 2009 dated August 27, 2009) “Housing Loans: Maximum Loan size up to Rs. 500,000/- to a single borrower with household annual income up to Rs. 600,000/-. However, at least 60% of housing loan portfolio of an MFB should be within the loan limit of Rs. 250,000/- or below.” MFBs’ HF Portfolio as of 30 June 2012 GLP as of 30th June 2012: Rs. 17.2 billion Housing Finance Portfolio: Rs. 168 million Tameerhas 98% share in Housing Finance Back

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