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The SEEDFINANCE Infinity Business Plan 2011 – 2013. Revised business plan. Executive Summary. DRIVERS OF GROWTH OWNERSHIP & GOVERNANCE MANAGEMENT VISION, MISSION, DIRECTION MARKETING OBJECTIVES INSTITUTIONAL OBJECTIVES FINANCIAL OBJECTIVES PRODUCTS & SERVICES PLANS & PROGRAMS.
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The SEEDFINANCE Infinity Business Plan 2011 – 2013 Revised business plan
Executive Summary • DRIVERS OF GROWTH • OWNERSHIP & GOVERNANCE • MANAGEMENT • VISION, MISSION, DIRECTION • MARKETING OBJECTIVES • INSTITUTIONAL OBJECTIVES • FINANCIAL OBJECTIVES • PRODUCTS & SERVICES • PLANS & PROGRAMS
Drivers of Growth • STAKEHOLDER EXPANSION • NEW INVESTORS, NEW LENDERS, NEW PARTNERS • MOBILE BANKING FOR FINANCIAL INCLUSION • SMART IAP, SMARTowns, ATM BANKING, HCBS • MOBILE OFW REMITTANCES, THE NEXT BIG THING • SOCIAL PERFORMANCE & SUSTAINABILITY • BALANCING SUSTAINBILITY & SOCIAL MISSIONS OF SEEDFINANCE & PFIs • COMPREHENSIVE RISK MANAGEMENT • MICRO-INSURANCE THRU SEAD-ASSURE • TECHNICAL ASSISTANCE & KNOWLEDGE SHARING • SF-MAX EXPANSION, VALUE CHAIN FINANCING & BDS FOR COMMUNITY-BASED ENTERPRISES • INSTITUTE OF MANAGEMENT & FINANCE FOR RURAL ECONOMIC EMPOWERMENT (I.M.F.R.E.E.)
Ownership & Governance • ATTRACTING NEW INVESTORS • ELEVAR EQUITY, BLUE ORCHARD, OFW INVESTMENTS, PFI INVESTMENTS • BRINGING IN PNB AS MAJOR STAKEHOLDER • PhP200M INITIAL, 5-YEAR HORIZON • RETAINING CARE-USA SUPPORT • CONVERTING MICROVEST LOAN INTO EQUITY • INCREASE IN CAPITAL STOCK TO P700M • SOCIAL BLOCK REMAINING THE MAJORITY • EMPOWERING THE BOARD & ITS COMMITTEES • EXECOM, AUDIT, GOVERNANCE, RESOURCE MOBILIZATION • SPM COMMITTEE, HR COMMITTEE
Vision, Mission, Direction • A MORE RELEVANT MISSION... • TO NURTURE, EMPOWER, & SUPPORT PARTNER ORGANIZATIONS TO DELIVER APPROPRIATE & AFFORDABLE FINANCIAL & NON-FINANCIAL SERVICES TO MICRO & SMALL ENTERPRISES, LOW-INCOME HOUSEHOLDS, & MARGINALIZED SECTORS • SHARED VISION... • CLOSER BOARD & MANAGEMENT COLLABORATIONS • NEW STRATEGIC DIRECTIONS • SME FINANCE & BDS • SOCIAL PERFORMANCE MANAGEMENT • MOBILE BANKING
Marketing Objectives • CONTINUE TARGETING SUSTAINABLE MFIs WITH POTENTIAL FOR GROWTH – THE SEEDFINANCE NICHE • 100 PFIs / 10 non-MF POs in 3 years • IN ISLAND, UPLAND, CONFLICT-RIDDEN, DISASTER-PRONE, HARD TO REACH COMMUNITIES • BE THE PREFERRED ADVANCED TECHNICAL ASSISTANCE PROVIDER OF PFIs & NON-PFIs • 100% OF PFIs / POs RECEIVING FREE T.A. IN 3 YEARS • CARRY ON 5 NEW PROJECTS TO ENSURE FINANCIAL INCLUSION IN THE NEXT 3 YEARS • SMARTowns, HCBS, IMFREE, OFW REMITTANCES, VCF • CONTINUING PRODUCT REVIEW, ENHANCEMENT, DEVELOPMENT TO MEET CLIENTS’ EXPECTATIONS • NATIONAL, REGIONAL, PROVINCIAL FORUMS YEARLY • BRANDING SEEDFINANCE & THE MICRO-NO-MORE ADVOCACY • PRODUCTS & SERVICES BRANDING, INSTITUTIONAL BRANDING
Institutional Objectives • ACCOMPLISH SPM WHO, HOW, & END-RESULT OBJECTIVES • REACH OUT TO 100 PFIs IN 3 YEARS, WITH TOTAL OUTREACH OF 1.5MILLION CLIENTS • ATTAIN FIELD-LEVEL CASE-LOADS FOR 6 AREAS OF OPERATIONS IN 3 YEARS, WITH EACH AREA HAVING: • 20 PFIs, 25 SMEs, LOAN PORTFOLIO OF PHP250M • MAINTAIN WORLD-CLASS STDS OF PORTFOLIO SIZE, QUALITY, EFFICIENCY, SUSTAINABILITY, ETC. • PAR @ 2% ON YEAR 3, 111% FSS, 147% OSS, 12% ROE, 2% ROA • CONTINUE TO IMPLEMENT THE SEEDFINANCE PROMISE • (Pro-active Operations, Marketing, Internal control, and Systems Enhancement Program • IMPLEMENT THE SEEDFINANCE EXCITE PROGRAM • (Employees eXtra-Career Initiatives Towards Empowerment) program • COMPENSATION & BENEFITS • TRAINING & DEVELOPMENT • CAREER PATH-FORMATION • RETIREMENT
Products & Services • EXISTING PRODUCTS & SERVICES • MICROFINANCE WHOLESALE • SME WHOLESALE & RETAIL • OTHER FINANCIAL PRODUCTS, FINEX, FLEX, ETC. • SF-MAX NEXT LEVEL • PRODUCTS & SERVICES FOR IMPLEMENTATION • REAL ESTATE LOANS FOR MFI EXPANSION & MFIS’ OTHER SERVICES • MOTORCYCLE/MOTOR VEHICLE LOANS • OTHER NEW PRODUCTS & SERVICES
Infinity Plans & Programs • SOCIAL PERFORMANCE • INTERNAL – SF PROMISE, SF EXCITE, SF SPM IMPLEMENTATION • PARTNERS – SPM FOR 25 PFIs • RATINGS – FOR SF & 10 PFIs • NETWORK EXPANSION & FUNDING • FUND MOBILIZATIOIN – FOCUS ON EQUITY, GRADUAL REPAYMENT OF DEBTS • LENDWITHCARE • BANK ACQUISITION • MOBILE BANKING • IAP / SMARTowns, ATM/HCBS, MOBILE BEAT, MTM Project • RISK MANAGEMENT • SEAD-ASSURE MICRO-INSURANCE • KNOWLEDGE SHARING • SF-MAX FOR PFIs, SF MAX FOR EXTERNAL CLIENTS, IMFREE • REVOLUTIONIZING THE SEEDFINANCE MICRO NO MORE ADVOCACY • ECONOMICALLY SELF-SUSTAINABLE COMMUNITIES, VALUE CHAIN FINANCING, COMMUNITY-BASED ENTERPRISES, HOUSING & SUSTAINABLE MICROFINANCE
DETAILED PLANS, BUDGET, ETC. 2011 Infinity Plan