Sie sind auf Seite 1von 7

PREFACE

I did my summer training at SKS MICROFINANCE varanasi. I got training in the study of “MARKETING ACTIVITIES
OF SKS MICROFINANCE SWARNPUSHPAM GOLD LOAN”
Hence I am presenting the training report Marketing Strategies Analysis. All the mistakes and problems had been carefully
removed with the help of all the managers.

PRABHAT KUMAR
Roll No.: 1410870028
MBA (3rd Sem.)
ACKNOWLEDGEMENT

We think if any of us honestly reflects on who we are, how we got here, what we think we might do well, and so forth, we
discover a debt to others that spans written history. The work of some unknown person makes our lives easier everyday. We
believe it's appropriate to acknowledge all of these unknown persons; but it is also necessary to acknowledge those people we
know have directly shaped our lives and our work.
First of all we would like to thank my guide Dr. Priti Singh Faculty of Management Department, R.S.M.T U.P college
campus Varansi for her guidance throughout the semester.

I am also thankful to Mr. Hemant Yadav (AHM), Mrs. Tripti Tiwari (1st BM), Mr. Shailesh Gupta (2nd BM), Mr. Hemant Kr.
Nayak (VO), Mr. Akhilesh & Mr. Rahul (CRM), who helped me during this training period.

Finally, I would like to thank My God, My Parents and my friends for all the support and blessings that was required for
completion of this project.
PRABHAT KUMAR
Roll No.:1410870028
MBA (3rd Sem.)
DECLARATION

I do hereby declare that the research report titled “A MARKETING ACTIVITIES OF SKS MICROFINANCE
SWARNPUSHPAM GOLD LOAN” submitted by me in partial fulfillment of the requirement of Master of Business
Administration, exclusively prepared and conceptualized by me and is not submitted to any other Institution or University or
published anywhere before for the reward of any Degree/Diploma/Certificate. It is the Original work of mine and has not been
obtained from any other part.

PRABHAT KUMAR
Roll No.: 1410870028
MBA (3rd Sem.)
OVERVIEW OF SKS MICROFINANCE
Micro credit or microfinance is the process of granting small loans to poor people, primarily to women, who have no collateral
and are marginalized. These women tend to use their households and children. The process is accomplished through a micro
finance institution that:-
 Recruits and trains responsible, appropriate borrowers, each of whom establishes her small business.
 Helps them from groups that are accountable for each other`s loans
 Distributes funds for ;loans
 Meets with groups of borrowers to collect loan repayment and to guide their endeavors.
SKS Microfinance is registered with the RBI as a non-deposit taking NBFC-MFI and is regulated by the RBI

Microfinance is an effective tool that can help reduce poverty and spread economic opportunity by giving poor people access to
financial services, such as credit and insurance. SKS distributes small loans that begin at Rs. 2,000 to Rs. 12,000 (about $44-
$260) to poor women so they can start and expand simple businesses and increase their incomes. Their micro-enterprises range
from raising cows and goats in order to sell their milk, to opening a village tea stall.
SKS uses the group lending model where poor women guarantee each other’s loans. Borrowers undergo financial literacy
training and must pass a test before they are allowed to take out loans. Weekly meetings with borrowers follow a highly
disciplined approach. Re-payment rates on our collateral-free loans are more than 99% because of this systematic process. SKS
also offers micro-insurance to the poor as well as financing for other goods and services that can help them combat poverty.

For more than ten years, SKS microfinance has provided opportunities for poor families to gradually lift themselves out of
poverty. Microfinance serves as an important foundation for broader development, which includes improvements in health,
education and political participation.
Our members have proved that with every loan disbursed and every micro-insurance policy provided, they gain greater control
of their lives and help fulfill SKS' mission.

History

1997 – SKS was formed as an NGO in December 1997 and started operations in 1998
1998 – Operations began in Turnover Village in Medak District of Andra Pradesh
2000 – Pioneers smart card Pilot project level. It wins the CGAP pro-poor innovation award as well as a $50,000 prize.
2001 – SKS bags the Digital Partners SEL award and a soft loan of $52,000. The Grameen Foundation matches the award.
Moneyis used to invest in technology development.
2002 – Receives the first ever loan of Rs. 5 Lakh from friends of women`s world banking, India.
2004 – SKS receives ICICI partnership loan of Rs. 20 Crore. Sita ram rao is appointed as the CEO of SKS.
2005 - SKS incorporated as an NBFC. SKS moves from being a non-profit organization to becoming a for profit company.
SKS is awarded the CGAP Financial Transparency Award.
2007 – SKS microfinance was awarded the Excellence in information integrity.
2008 – SKS is listed as among the world`s most influential emerging companies. Becomes the first MFI to receive ISO
9001:2000 Certification for its internal audit department.
2009 – SKS is ranked as number on MFI in the country and number two in the world.
2010 – SKS gets MFR1 grading, top in MFIsector. SKS becomes first MFI in South Asia to Launch an IPO and get listed

*CGAP-( Consultative Group to Assist the Poor )

SWOT
Strength :-
 It serves million of poor women across tens of thousands of villages and urban slums in India
 Offering Loans to the poor.
 Micro-insurance
 Offer quality education, housing, mobilephones, Solar lamps, and water purifiers among others
 An innovative combination of using a for profit model, drawing on best practices from the business world and
deploying technology.
 Using the channel that it have created to provide a full range of financial services to the poor.
 Byproviding the poor this range of economic tools, we are looking forward to the eradication of proverty.
Weakness :-
Opportunities :-
Threats :-

SKS Approach:-

SKS believes that access to basic financial services can significantly augment economic opportunities for poor families and in
turn help improve their lives. SKS is committed to creating a distribution network across underserved sections of society in order
to provide easy access to the full portfolio of microfinance products and services. It also looks at using this network to add value to
the lives of its members by providing quality goods and services that our members need at less than market rates

SKS Products and Intiatives

SKS Microfinance Ltd offers a range of products and services, which have been developed based on the financial needs of
working of poor women. We classify our offerings into proprietary and distributor products.
Left
ProprietaryProducts
Distributor Products
Product Features Benefits

Income Loans range from Rs. 8,550 to Rs. 14,850 for the first loan; subsequent loan Provides self-employed women
Generation amounts determined by past credit history and increased each in set financial assistance to support
Loans (IGL) increments up to a maximum of Rs. 14,850 their business enterprises, such as
- Aarambh raising livestock, running local
Term of the loan is 50 weeks with principal and interest payments due on a retail shops called kirana stores,
weekly basis providing tailoring and other
assorted trades and services
22% annual effective interest rate and processing fee of 1%

Mid-Term Loans range from Rs. 8,550 to Rs. 14,850 for the first loan; subsequent loan Provides self-employed women
Loan (MTL) amounts determined by past credit history and increased each in set financial assistance to support
- Vriddhi increments up to a maximum of Rs. 14,850 their business enterprises, such as
raising livestock, running local
Available any time after the completion of 20th weeks & before 44th retail shops called kirana stores,
weeks of an IGL cycle providing tailoring and other
assorted trades and services
Term of the loan is 50 weeks with principal and interest payments due on a
weekly basis

22% annual effective interest rate and processing fee of 1%

Long Term Loans range from Rs. 20,600 to Rs. 31,100 Provides self-employed women
Loan (LTL) financial assistance to support
Term of the loan is 2 Years 104 weeks with principal and interest payments their business enterprises, such as
due on a weekly basis raising livestock, running local
retail shops called kirana stores,
Members must have completed 2 IGL Cycles providing tailoring and other
assorted trades and services
22% annual effective interest rate and 1% processing fee of loan amount
disbursed To Increase Members Working
Capital for their business

Biomass Loan amount ranges from Rs. 1,670 to Rs. 4,981. Loans are offered to members
Cook-stove for purchase of products like
Loan Loan tenure is 25 weeks cook-stove/ solar light/ water
Solar Light purifier/ mobile phone/ bicycle
Loan APR ranges from 20.52% to 21.50% depending on the product and sewing machine to enhance
Water their productivity and income
Purifier Loan generation ability
Mobile
Phone Loan
Bicycle Loan
Sewing
Machine
Loan

Swarna - SKS MICROFINANCE SWARNAPUSHPAM GOLD LOAN Provides personal or business


pushpam SCHEME CHART (effective from March 30, 2015) loans to our members and non-
Gold Loan Scheme Tenure Interest Scheme Tenure Interest members secured by gold
in Days rate in Days rate jewellery to meet their s
SP3 0-30 15.00% SP4 0-30 19.20%
31-90 20.00% 31-90 21.00%
91-180 22.00% 91-180 24.00%
181-360 24.00% 181-360 26.00%
Broad features:
Loans range from Rs. 2,000/- to Rs. 2,00,000/-
0.5% loan processing fee is applicable on the loan amount at the time of
disbursement.
The SP4 scheme has a maximum exposure of 75% loan to the gold value
of that day whereas the SP3 scheme has a maximum exposure of 68%
loan to the gold value of that day.
The maximum loan tenure for SP3 and SP4 schemes is 365 and 270 days
respectively.
Simple interest only.
No pre/ part-closure charges.
No additional charge for late payment.
Interest rate will be charged as per the relevant slab mentioned.
If the loan is not repaid as agreed or on demand within the tenure of the
respective scheme, the Company shall have the right to charge overdue
interest at the highest rate of interest slab of the scheme agreed upon, on the
outstanding after completion of the tenure till the date of recovery on
monthlybasis.
Repayment method:
Bullet repayment with an option to pay any amount at any time within the
tenure
List of enclosures required:
As per RBI KYC norms, identity, age and address proofs are required for
loan processing.

Registered Office – In Mumbai – 400051


Corporate Identity Number : L65999MH2003PLC250504
Head office – In Hyderabad – 500016
Regional offices – 21 ( Banglore, Bhopal, Bhubneswar, Cochin, Dehradun, Gulbabarga, Hubli, Hyderabad, Jai[pur,
Kolkata, Lucknow, Nagpur, Patna, Pune, Raipur, Ranchi, Sambalpur, Siliguri, Varanasi, Vizag )

Das könnte Ihnen auch gefallen