SHARE Microfin Limited (SML) has been a pioneering microfinance institution in India and is one of the fore-runners among transformed regulated financial institution. It has package microfinance assets into securities and attracted significant foreign direct investment into an MFI.
This study describes SHARE's journey through transformation, covering the organisational transformation and change management, growth strategies, as well as the brand management and market segmentation. It provides a close view on the standardisation of products that SHARE has adopted, using its Micro-Entreprise Loan as an example.
The study also provides insights on the way it strengthened its systems to suit the rapid growth it was experiencing such as its IT system and delivery channels. In addition, it provides a detailed description of SML's management of banks' portfolios as well as portfolio buy-outs by leading Indian banks.