Code of Conduct Assessments
A pioneering initiative, M2i’s code of conduct assessments help assure lenders and investors that the services being offered by a particular MFI are sound and ethical. Validation Tool for Sa-Dhan’s Code of Conduct
In order to address the concerns that were raised regarding the operational practices of MFIs in 2010, Sa-Dhan decided to validate whether its members were accurately reporting their adherence to its code of conduct. M2i helped Sa-Dhan in developing the tool that was utilized by Sa-Dhan to perform the validations on its members Loan Portfolio Audits
Our loan portfolio audits have helped banks and financial institutions evaluate the loan portfolio quality of their MFI partners. These audits have involved primary data collection from large samples of MFI clients as well as a review of the loan policies and procedures of the MFIs. Risk Management System
Active management of risks is an imperative for sustainable microfinance operations. M2i has helped MFIs develop robust risk management systems which allows them to identify, measure and control critical risks. Microenterprise Lending Risk Appraisal Tool
This projected was supported by Sa-Dhan and GIZ. It involved the development of a tool that can be utilized to perform appraisal of risks in microenterprise loan applications. The work involved review of ten microenterprise clusters and analysis of the relationship among Investments required (Capital expenditure and Working Capital), cashflow from the enterprise available for debt service, duration of the cashflows and Internal Rate of Return (IRR) Equity Valuation, Negotiations and Investment structuring
We have advised MFIs and investors on equity value as well as term sheet negotiations. We have helped structure three investment deals in India and Cambodia. Institutional Assessments and Field Reviews
Our institutional assessments have helped MFIs and microenterprises improve their management systems. We have performed over 100 assessments on the request of MFIs as well as lenders and investors. We have helped the World Bank perform a field review of the implementation of the Vaidyanathan Committee recommendations for the revival of the cooperative banking structure in India. Strategic business planning and projections
We have conducted over 20 business planning exercises for MFIs in India and Afghanistan. These business plans have been used by the MFIs for monitoring their own performance as well as for raising funds. Mentorship engagements
We have over 20 mentorship clients. Under these engagements we provide ongoing consultancy on aspects such as legal and organizational structure, product development, business planning, risk management, financing mix, HR issues among others. Research on Setting up a Fund investing in India
While the Government of India promotes foreign investments, these are regulated by a number of rules regarding ownership of enterprises, origin and amount of funds, sectors of investments, and repatriation of profits among others. Our research focused on evaluating issues of critical importance to a foreign investor, such as Location of the fund – India or overseas, legal structure of the fund, administration of the fund and exit Possibilities