{"id":1110,"date":"2016-01-25T12:00:03","date_gmt":"2016-01-25T04:00:03","guid":{"rendered":"http:\/\/sedpi.com\/?p=1110"},"modified":"2016-01-25T12:00:03","modified_gmt":"2016-01-25T04:00:03","slug":"adopting-technology-to-improve-microfinance-efficiency","status":"publish","type":"post","link":"https:\/\/sedpi.com\/en\/adopting-technology-to-improve-microfinance-efficiency\/","title":{"rendered":"Adopting Technology to Improve Microfinance Efficiency"},"content":{"rendered":"

By: Bea Arnela Parungo<\/strong><\/p>\n

\"rafi<\/a>RAFI Microfinance (RMF) has constantly been revolutionizing their operations through breakthrough innovations. Last April, RMF upgraded its Management Information System (MIS) to improve efficiency in operations. On-field account management and record-keeping using the mobile application eliminates redundancies and reduces total work load. Instead of recording in collection sheets, the field staff encodes the data directly on the application thus updating the system automatically over the internet. Previously, the field staff has to fill out the collection sheet and upon arrival in the branch; the support staff would input the data on the system. Most microfinance institutions have this same practice.<\/p>\n

RMF\u2019s new MIS encourages client interaction. Clients receive a system-generated SMS for every payment-related transaction. This notification gives assurance to the clients by informing them that their payment was received and correctly recorded. An SMS-based customer care group monitors all the incoming and outgoing text messages. This SMS system also lets the members send inquiries and complaints if there is any discrepancy in the payment made and the amount recorded in the system. At times, RMF clients even send thank you messages and express appreciation for the SMS notifications. All the feedback received by the customer care group are consolidated and forwarded to the branches regularly.<\/p>\n

Aside from improved operations efficiency and better customer service, the system also serves as an internal control measure. The system limits the chances and opportunities for fraudulent activities. At any time, the branches and the main office can generate real-time operation reports. Furthermore, the client will be notified if there is an error in recording their payment. If a payment is not encoded in the system, the client will not receive a payment confirmation message. All clients are required to have a mobile number on file and they are well-informed about the SMS notification efforts. So far, there are no loopholes identified in this new system.<\/p>\n

Before rolling out the new MIS, RMF setup a transition plan. Information and promotional materials were prepared. Training courses and forums were conducted. Communication procedures were also delivered to inform the clients of the changes that will affect them. Every now and then, e-mail blasts are sent to the staff for system-related updates and reminders.<\/p>\n

Implementing an MIS upgrade to all of RMF\u2019s 23 branches was not an easy journey. As with any other endeavors that entail change, one of the major challenges was dealing with resistance. According to Mr. Edwin T. Marfil, RAFI\u2019s IT Manager, his team made sure not only to highlight the benefits of the new system but more importantly to make everyone fully understand how the new system works. Internet connection is also another concern since the system is an internet-based program. Some of RMF\u2019s areas of operation have very poor internet signal. The field staff then may use the offline mode feature of the mobile application. Once back in the branch or anywhere with a stable internet connection, the data saved offline will then sync on the server.<\/p>\n

Purchasing a first of its kind MIS system in the country, the mobile devices of the field staff, and establishing a support infrastructure for this new MIS all come at a cost. In addition, the IT Team remotely monitors the operations from the main server. There is also a data back-up mechanism and regular and preventive maintenance costs to keep the system up and running. When asked about the expenses involved in adopting a new MIS, Mr Marfil said that the great benefits of using the new MIS outweigh the costs. \u201cIn the long run, it is more expensive to lose clients.\u201d he added.<\/p>\n

RAFI is very progressive in terms of technology. Mr. Marfil pointed out choosing the proper technology platform as a key to effectively support operations. Collaboration between the IT Team and the RMF Team together with the full support of the top management made this innovation possible. RAFI aims to continuously improve their operations and find ways to serve their clients better.<\/p>\n","protected":false},"excerpt":{"rendered":"

By: Bea Arnela Parungo RAFI Microfinance (RMF) has constantly been revolutionizing their operations through breakthrough innovations. Last April, RMF upgraded its Management Information System (MIS) to improve efficiency in operations. On-field account management and record-keeping using the mobile application eliminates redundancies and reduces total work load. Instead of recording in collection sheets, the field staff […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[2],"tags":[],"class_list":["post-1110","post","type-post","status-publish","format-standard","hentry","category-microfinance"],"yoast_head":"\nAdopting Technology to Improve Microfinance Efficiency - Social Enterprise Development Partnerships, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sedpi.com\/en\/adopting-technology-to-improve-microfinance-efficiency\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Adopting Technology to Improve Microfinance Efficiency - Social Enterprise Development Partnerships, Inc.\" \/>\n<meta property=\"og:description\" content=\"By: Bea Arnela Parungo RAFI Microfinance (RMF) has constantly been revolutionizing their operations through breakthrough innovations. 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Since its inception, SEDPI KaNegosyo has been on an impressive trajectory of growth. From a\u2026","rel":"","context":"In "Financial Inclusion"","block_context":{"text":"Financial Inclusion","link":"https:\/\/sedpi.com\/en\/category\/microfinance\/financial-inclusion\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/11\/SEDPI-KaNegosyo-Revolutionizing-Microfinance-in-Mindanao.png?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/11\/SEDPI-KaNegosyo-Revolutionizing-Microfinance-in-Mindanao.png?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/11\/SEDPI-KaNegosyo-Revolutionizing-Microfinance-in-Mindanao.png?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/11\/SEDPI-KaNegosyo-Revolutionizing-Microfinance-in-Mindanao.png?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/11\/SEDPI-KaNegosyo-Revolutionizing-Microfinance-in-Mindanao.png?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":145,"url":"https:\/\/sedpi.com\/en\/sedpi-conducts-microfinance-study-tour-for-nepalese-regional-rural-development-bank\/","url_meta":{"origin":1110,"position":4},"title":"SEDPI Conducts Microfinance Study Tour for Nepalese Regional Rural Development Bank","author":"Mariel Vincent Rapisura","date":"May 6, 2013","format":false,"excerpt":"The Pashchimanchal Grameen Bikas Bank, Ltd. (PASGBB) from Nepal sent ten of its senior officers to participate in a Microfinance Study Tour in the Philippines. The Social Enterprise Development Partnerships, Inc. (SEDPI) facilitated the study tour entitled \u201cMicrofinance Immersion: Delinquency Management and A Study Tour of Philippine Microfinance Institutions\u201d on\u2026","rel":"","context":"In "Microfinance"","block_context":{"text":"Microfinance","link":"https:\/\/sedpi.com\/en\/category\/microfinance\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":305,"url":"https:\/\/sedpi.com\/en\/microfinance-training-courses\/","url_meta":{"origin":1110,"position":5},"title":"Microfinance Training Courses","author":"Mariel Vincent Rapisura","date":"November 6, 2013","format":false,"excerpt":"Fundamentals and Methodologies of Microfinance Market-Based Financial Product Design and Development Delinquency Management Financial Analysis Accounting for Non-Accountants Branch Audit Branch Operations Branch Viability Business Development Services Business Planning for Microenterprises Cash Flow and Credit and Background Investigation Center Formation and Loan Application Process Character and Capacity-Based Lending Color-coded Bookkeeping\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/posts\/1110","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/comments?post=1110"}],"version-history":[{"count":0,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/posts\/1110\/revisions"}],"wp:attachment":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/media?parent=1110"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/categories?post=1110"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/tags?post=1110"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}