Social Performance Management Network

souren ghosal
  • kolkata W.Bengal
  • India
Share on Facebook Share Twitter

Souren ghosal's Friends

  • gyan chand ghosh
  • sushil sharma
  • vimuktha
  • Rashmi Ekka
  • Farhat Abbas Shah

souren ghosal's Groups

souren ghosal's Discussions

MFIs business strategy should be integrated with SPM
18 Replies

Started this discussion. Last reply by gyan chand ghosh Feb 17, 2010.

 

souren ghosal's Page

Latest Activity

souren ghosal replied to Daniella Hawkins's discussion Welcome to the effective group lending debate! Carmen Velasco is here to start the debate on avoiding over-indebtedness. Get involved! in the group Effective group lending
"Every group member is embedded with moral responsibility of knowing each others financial and moral strength and that would help to check over-indebtedness of the members unless the whole group join to hide their weaknesses both moral and…"
Oct 12, 2011
souren ghosal commented on Daniella Hawkins's group Effective group lending
"One should ensure that group is cohesive pursuing similar trade or business and supplement and complement each other as otherwise group would not be able to translate its activities into a viable hassle free economic activity ."
Oct 11, 2011
souren ghosal commented on Daniella Hawkins's group Effective group lending
"Risk management is obviously would be better as the group consisting of people having varied insights and experience and if properly organized would provide good governance as some of  them would have leadership quality and…"
Oct 9, 2011
souren ghosal replied to souren ghosal's discussion Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always. in the group Effective group lending
"It is no doubt all the related matters are  imperative to bear in mind to form a successful cluster group and the flexibility to adjust with economic environment and innovation would provide to more strength and stability to the…"
Oct 9, 2011
souren ghosal replied to souren ghosal's discussion Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always. in the group Effective group lending
"I agree that any group pursuing similar economic activity would face calamity together but u forgot that when the same is shared by a group of people it would not be a killer as group would be having more mental and money power to withstand the same…"
Oct 9, 2011
Lisa Kuhn Fraioli replied to souren ghosal's discussion Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always. in the group Effective group lending
"Thanks for bringing up the issue of graduation or evolution of the lending relationships.  This is very important as groups have been historically inflexible.  But, the question is, what kind of options work? Not all ways that institutions…"
Oct 7, 2011
Christian Chileshe replied to souren ghosal's discussion Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always. in the group Effective group lending
"My understanding of shared economic interests does not necessarily go as far as having to engage in the same economic activity and same business. Indeed, insisting on this would undermine entrepreneurship. I think what is important is that a group…"
Oct 7, 2011
Lisa Kuhn Fraioli replied to souren ghosal's discussion Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always. in the group Effective group lending
"Having the whole group involved in a single economic activity (or the same economic activity) concentrates risk and essentially undermines the possibility of collecting on the guarantee.  If all members are in the same business, they will all…"
Oct 7, 2011
Christian Chileshe replied to souren ghosal's discussion Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always. in the group Effective group lending
"The issues of shared economic interest and dependency are absolutely critical and have a bearing on the issues to be discussed in the week of 10th Oct 2011. Other related matters include: 1. Levels of entrepreneurship 2. The match between financing…"
Oct 7, 2011
souren ghosal replied to Daniella Hawkins's discussion What are the key barriers to effective group lending? Share your experience!
"Group lending without group project for some economic and income generating activity would not be of much help to the poor and ultimately it would just become intermediary for loans to repay the loans and or multiple loans. Dr.S.N.Ghosal"
Oct 1, 2011
souren ghosal replied to souren ghosal's discussion Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always. in the group Effective group lending
"Yr point is well taken and the safeguard could be if a cluster is created of people who pursue same business or farming. Dr.S.N.Ghosal"
Sep 19, 2011
Nergui Sandagjav replied to souren ghosal's discussion Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always. in the group Effective group lending
"  I do agree with your point. However, on the other hand, as group guarantee is a substitute collateral, it works for those very poor who have no any physical collateral for loans. The one economic interest, sometimes may create more problems…"
Sep 19, 2011
souren ghosal replied to souren ghosal's discussion Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always. in the group Effective group lending
"I think it does not work in practical life as right loan product varies with individuals and with time, only when relates to their economic activities that generates income and help them to lead a healthy and happy life the right loan product could…"
Sep 18, 2011
Tjandra Irawan replied to souren ghosal's discussion Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always. in the group Effective group lending
"Why should we need peer presure? If we provide the right loan product to the client and analyze it prudently, we do not need any pressure from other. The only "presure" we need is from the debtor who are thankful for our loan support to…"
Sep 18, 2011
souren ghosal added a discussion to the group Effective group lending
Thumbnail

Group lending is feasible only when the group is engaged in any economic activity- farming and or business - together on cluster basis. Mere peer persuasion does not work always.

Peer pressure has been the main objective o group lending but experience has revealed it does not work unless mutual economic interest and dependence is created. It would therefore be imperative to get the group involved in a common project of farming or manufacturing.
Sep 17, 2011
souren ghosal joined Daniella Hawkins's group
Sep 17, 2011

Profile Information

Organisation name (Nombre de su organización)
Nicco Financial Services Ltd
Type of organisation (Tipo de organización)
Microfinance institution
Country(ies) where you work (País[es] donde trabaja)
India
Job title (Cargo en el trabajo)
Director
Website (Sitio web)
http://microfinancefocus.com
Organisational mission statement (Misión de la organización)
To develop strategy and delivery model for alleviation of poverty.
Why are you interested in SPM? (Porqué esta interesado en GDS?)
It is key to transformation and poverty aleviation
What's your story? (Tell us a little bit about yourself and how you got here!) (Díganos su historia - háblenos un poco de Ud. y cómo llegó aquí)
How to integrate commercial and social objective while funding poorest of the poor called 'Bottom of the Pyramid.

Souren ghosal's Blog

social performace could be inermixed with commercial activities

It is often questioned that commercial activities should not be mixed up with social activities. This is not true if analysed in depth all activities lead to social good and when undertaken commercially such activities not only do god o the society but also earn some revenue for the doers.

Posted on October 3, 2010 at 6:35 — 3 Comments

Comment Wall (3 comments)

You need to be a member of Social Performance Management Network to add comments!

Join Social Performance Management Network

At 8:56 on September 14, 2010, katherine knotts said…
Hello Souren - I agree that SPM should be "inbuilt" - integrated into every level of the organisation. What barriers do you see to this in terms of MFIs in India? Is it in terms of levels of understanding, or technical barriers, or incentives barriers?
At 14:17 on December 21, 2009, souren ghosal said…
I am happy to know that u r busy with Shri Jagat. I could help u with regard to management and finance model. I am interested in developing some training model for entrepreneurship develoment program for artisans and farmmers.where u must be aware of that there exist ample oppportunities. I would like to know what exactly we have in your mind about the Kolkata project.
At 19:39 on December 20, 2009, sushil sharma said…
Hello Souren Sir,

Nice to hear from you. Shri Jagat Shah is busy with two main projects from GTZ and STQC on both of them I am also working in Rajkot. One is for development of engineering companies and another is related to IT- companies.

I need your guidance about my future as I am working with such projects.
 
 
 

Latest Activity

Adib Nasereddin posted a status
"can anyone help provide me with a list of any contests/awards that MFIs could apply to as we in NMB intend to do so. thank you"
Jan 23
Timur Cherikov posted a discussion
Aug 28, 2013
Timur Cherikov replied to Ben Simmes's discussion overindebtedness
Aug 28, 2013
katherine knotts replied to katherine knotts's discussion Holding CEOs accountable for social performance?
Aug 9, 2013

Badge

Loading…

© 2014   Created by The Imp-Act Consortium.

Badges  |  Report an Issue  |  Terms of Service