Action Consultancy:
Pilot Testing of m-Commerce Applications in Microfinance Institutions
Loan Collection and Disbursement in CARD-NGO
Abstract
This management research report creates actual experience of mobile commerce applications in microfinance through a pilot.
From the lessons of the pilot, the paper explores ways be which m-commerce interventions may benefit microfinance towards achieving MFI Objectives.
The paper recommends a strategy for m-commerce intervention in CARD-NGO and for MFIs at large. Lastly, the paper summarizes the findings of the pilot and proposes ways by which m-commerce service providers could better enable clients in the microfinance sector.
Edwin S. Soriano
May 2005
I conducted a pilot study on m-Commerce for Microfinance from February until April 2005 with
CARD-NGO.
I did the study as a thesis at the Asian Institute of Management under the Master in Development Management program.
You can download my full thesis. I hope you find it useful. If you derive anything from my work, make sure to provide appropriate citations. I would appreciate it if you inform me too.
Download instructions:
1.) Click any the downlad link(s) below
2.) On the Rapidshare.de page, scroll down and click "Free" button
3.) On the next Rapidshare.de page, scroll down and click on the download link
Download the full thesis here:
- PDF files (100++ pages, 1.12Mb, Zipped PDF files)
(PDF version added on 23 June 2005)
Zip file contains:
Abstract
Table of Contents
Acknowledgements
Management Research Report (main paper)
Exhibits Appendices
GCR revenue computations (MS Excel)
CARD Presentation (21 May 2005) (Powerpoint Slideshow)
Reade (Txt file)
Mabuhay!
Edwin
rogelio nocom jr. said...
ka edong,
dami mo ng blog hehehe.
got curious with your thesis. would you believe we had been marketing the same idea to NGO's and utility companies since 2003? prior to gcash we are offering the encashment network (for remittance) to act as collecting agents. it was basically the same engine for donation (many people remitting to one organization). and when gcash came we added it as an option since as a partner you dont have the 10k limit. but then i guess the timing was not right as it seems the market wasn't ready at that time.
hige, balitaan!
Edwin "ka edong" said...
Hi nocs!
honga, dami kong ginawang blog. pero dalawa lang ang main blogs ko. Technobiography will be my tech/personal blog. MobileTulay will be my academic/research/consultancy blog.
Timing is the best friend of a good idea. Siguro (sana) ito na ang tamang panahon para mai-sulong ang (sandali, starting to sound like an aktibista)
...mai-sulong ang iyong mga ideya.
> it seems the market wasn't ready at that time.
Even today, nocs, mahirap i-"benta" ang ideya ng g-cash. Yun ang isa sa mga natutunan namin sa study. 'Di pa mulat ang mga tao. pero 'ika nga, "getting there, getting there." Let's go make it a bit faster, shall we?
bro, send-an kita e-mail. let's have some coffee (or beer?) some time.
mabu-hey!
ka edong
said...
Hi Ed,
I attended your presentation of M-Commerce at AIM. To be honest, we are very much interested in utilizing the technology/system for our operations. In fact, we've been thinking of it since last year but because of other priorities, it was temporarily shelved. But your initiative awaken our desire (not lustful one, huh) to pursue it once again. I will be happy to share with you our experience as we implement it in the near future. I hope you can share with me, too, your other model(s) of it and the how's of doing it.
Many Thanks pare.
Aldy
Edwin "ka edong" said...
Hi Aldy,
Thanks for coming! I'm glad you are interested in this. It's good to know that the forum has made some ripples.
Yes, I would like to hear about your experience. It's also my pleasure [ not lustful either ;-) ] to share my experiences.
Let's discuss. Rizaldy Duque, right?
Mabuhay!
Edwin
mell ditangco (this is my pseudonym) said...
I have informally proposed the integration of mobile banking technology to collect receivables for this lpg refiller, but encountered barriers. Most of the lpg refiller's customers are small retailers (e.g. sari sari store). One of the biggest problems is inadequate segregation of duties between the sales rep and the receivables collector as they are one and the same.
I proposed the application of mobile technology to segregate cash collections from sales. But as you found out, lack of insfrastructure stood in the way of full implementation, especially operations in far flung barrios.
Nonetheless, there is great potential for this application and eagerly anticipating possible applications.
Perhaps when Gmoney has better saturations the barriers to the implementation of this model will make it viable.
bizdriven said...
Hi Edwin,
congratulations for being featured in www.inq7.net
more power to you! and hope you will be successful!
Anonymous said...
hi!
I'm one of the students from dlsu-manila... i got interested in m-commerce... can you give me opportunities that I can develop to incorporate m-commerce to the masses..:) I'm focusing my study on m-commerce security... if you could suggets different topics that I can develop..It would be really of great help..:) Astig ung thesis mo dude!!:) More power.. :) e-mail me tomjohnster@gmail.com
Anonymous said...
hi!
I'm one of the students from dlsu-manila... i got interested in m-commerce... can you give me opportunities that I can develop to incorporate m-commerce to the masses..:) I'm focusing my study on m-commerce security... if you could suggets different topics that I can develop..It would be really of great help..:) Astig ung thesis mo dude!!:) More power.. :) e-mail me tomjohnster@gmail.com
