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Bargaining Power of Suppliers - Low

The bargaining power of suppliers of micro finance exclusively depends on the quality
and service that they provide. As the aim of the micro finance movement is to improve
the economic well-being and in turn the standard living of the poor they provide various
financial services in order to meet the existing demand at the lower-end of financial
market. Customer deposits is one of the primary source of capital of the company. By
utilizing the resources, the company can be sure that they have the necessary
resources required to service their customers' borrowing needs while maintaining
enough capital to meet withdrawal expectations.

PCFC avail loans on local and foreign financial Institution depending on the interest
rates that they offer (switching cost).

Technological Forces

To the extent that technology (with access to Internet, social networks, cashless
electronic payments, etc.) Technical or social innovation, concerning alsothe creation
and commercialization of new products, strategies and management, has a deep actual
- and especially potential - impact on microfinance institutions (MFIs), contributing to
reshape their business model, with an impact on their overall risk profile.

Information and communication technologies (ICT) are an important driver in the

maturing microfinance industry. MF Providers - both non-profit MFIs and for-profit banks
- provide financial services to the poor, which are unbanked, in order to eradicate
poverty and to promote economic development in developing nations. As the industry
matures, MFIs face an increasingly competitive environment that forces them to balance
the dual goals of outreach and sustainability. In this context, ICT may be both the
instigator of the new environment and the potential solution to MFIs survivability.

"Direct banking" technology channels -such as Internet banking, automated teller

machines (ATMs) or point-of-sale (POS) terminals can reduce the cost of process
transaction at only one-fifth of the cost of a branch teller. These terminals can be set up
at a cost of less than 0.5 % the cost of setting up a typical bank branch.

Making use of mobile phones can also drive the expansion of insurance coverage in
low-income markets, increasing the efficiency of transactions across the entire value
Economic Forces

The most common causes of poverty the Philippines was unemployment. In January
2015, there were an estimated 2.7 persons unemployed, and the majority were women.
Unemployment fell to a historic low of 4.7 percent in 2016, as 1.4 million net jobs were
created. However, the countrys 18 percent underemployment level has remained
broadly unchanged over the last ten years, reflecting the prevalence of informality and
related job-quality concerns. The poverty incidence among Filipinos dropped to 21.6
percent in 2015 from 25.2 percent in 2012. This presents 1.8 million Filipinos lifted out
of poverty within three years. Higher employment, low inflation and improved incomes
contributed to the decline in the number of poor.