1. Introduction
• Philosophy of microfinance and its evolution globally
• Similarities and difference between microfinance and mainstream finance/banking
• The demand and supply of finance for microenterprise
• The nature of micro enterprise
O Who are the micro entrepreneurs
O Business dynamics of a microenterprise
O Financing needs of a microenterprise
• Global outlook
• Microfinance in a developing country
• Sources of financing for microenterprises
O Prospects and challenges for microenterprises in Pakistani context
• Pakistan’s microfinance industry
O Prospects and challenges for microenterprises in Pakistani context
O Microenterprise: A strategy for poverty reduction, socioeconomic empowerment and gender equality
O Scope of microenterprises in building sustainable industrial and corporate sectors
O A review of microenterprise sector performance and impact on Pakistan’s GDP and employment
O Comparative analysis of the microenterprise models and performance in Pakistan viz. international experiences, such as India, Bangladesh, Uganda, Indonesia, South Africa etc
• Role of international agencies in the microfinance and leasing initiatives in Pakistan: Institutional capacity building and Funding financing/leasing operations
2. Product and services in microenterprise financing
• Microfinance programs and products
• Product innovations in microfinance services
• Islamic products for microfinance
• Types of lending
O Group lending
O Individual lending
• Microenterprise leasing as an alternate: achievements and challenges
• A review and analysis of microfinance programs in Pakistan
• Current players in Pakistan’s microenterprise finance industry
3. The main features of financing microenterprise
• The screening of beneficiaries
• Distinguishing features of microfinance
• Collateral policies
• Interest rates in microfinance
• Financial statements and analysis
4. Microenterprise finance –Process and Performance
• Analysis of the performance, and programs of international banks and financial institutions engaged in microenterprise financing
• The process of microenterprise financing
• The incentive system
• The microfinance control typologies
• Microfinance performance analysis
• Managing operational cost of microenterprise financing operations: volume verses pricing strategies
• Best practices in microenterprise financing
• Microfinance portfolio performance in Pakistan
• Collection and recovery of micro loans: strategies, prospects, impediments and performance of the formal sector in Pakistan
5. Microenterprise finance – Business Models
• Legal perspective – NGOs, Cooperatives and Banks
6. Risk management in microenterprise financing
• Risks in microfinance
O Business risk
O Financial risk
O Process risk
O Political risk
• Risk management strategies
• Policies, decision criteria and collateral requirement
7. Microfinance - sustainability and outreach
• Microfinance sustainability – how to attain it
• The policies for improving sustainability
• The microfinance dilemma
• Achievements and challenges of MFIs
• Challenges in attaining sustainability in micro financing operations
• Development in consumer protection and social performance in microfinance
• Impact of partnerships between
O Telecom companies
O Courier companies
O Post office
O Banks
O Other institutes
8. Transformation and future outlook
• Insurances
• Regulatory framework
• Branchless banking
9. Regulations governing microfinance
• Determinants for regulating microfinance
• Key features of microfinance regulation
• SBP microfinance institutions regulations
