DRN Vol. 39 No.3
'Reexamine SHS Programs Employment and Entrepreneurial Objectives'
Regulatory Impact Assessment Adoption Determinants: A Diagnostic Framework
Exploring Responses to the Employment Impact of Excise Tax Reform: The Case of the Philippine Tobacco Industry
Mapping Out Employment Opportunities in the Cultural Heritage Sector A Strategic Framework

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Annual Public Policy Conference Webinar 4: Robust and Healthy Workforce and Closing Program
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Annual Public Policy Conference Webinar 3: Green And Inclusive Recovery
PIDS WB 2021-0903
Annual Public Policy Conference Webinar 2: Ethical Business
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Opening Program and Annual Public Policy Conference Webinar 1: Resetting Capitalism
Publication Detail
Java 2005-02: Delimiting Microfinance Through Effective MIS - The Philippine Rural Bank Experience (Presentation)

This paper examines the limitations of Philippine rural banks in providing microfinance, and advocates information technology as a solution. Although rural banks in the Philippines are ideally positioned to deliver microfinance, they are limited by difficulties in branch expansion, constraints in collection and transaction management and inadequate information flow. An effective IT system would: * Automate business processes, with data entry at source; * Provide information for effective supervision and control; * Facilitate strategic decision making; * Help the bank merge regular and microfinance operations. Microfinance operations of rural banks in the Philippines are set to increase. In the future, regulators, supervisors and funders will exert greater pressure on rural banks to implement effective systems and information. Requirement for IT will also increase, given its de-limiting capabilities. An IT company in the microfinance sector of rural banks would aid: * Innovation in product development, implementation and pricing, * Large volumes and rapid deployment; * Integration with regular banking; * Hardware bundling.

PinoyME Foundation
Authors Keywords
Murthy, G.V. Ramana; Bagchi, Sumit; microfinance; rural banks; financial innovation;
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Published in 2005 and available in the Java Softech Pvt. Ltd. or Downloaded 334 times since November 25, 2011
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