ACE

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ACE – Access to Capital for Enterprises in Myanmar

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ACE – Access to Capital for Enterprises in Myanmar

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We connect micro and small enterprises to financing facilities of financial institutions

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About ACE

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ACE – Access to Capital for Enterprises is a flagship social enterprise of Development Resources International Co., Ltd. The ACE programme is designed to link micro and small enterprises in rural area and small urban towns, to mainstream financial institutions. The objective is to enable capital constrained MSEs access financial services at affordable cost.

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The ACE programme is built on a social business model with its social objective of contributing to poverty alleviation through business economy growth and local economic development. The model’s business objective is to ensure that its services generate adequate profit to sustain the real value of the programme’s balance sheet and build up its asset base to service more MSEs in a given market space as well as through geographical expansion in the operating economy.

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Mission

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We are committed to contributing to the efforts of the people at the base of the pyramid whose human capabilities and entrepreneurial capacity are unrealised because they do not have access to (a) income earning opportunity, (b) capital finance at affordable cost so they could maximise their business outcome, (c) business management skills and (d) industry and trade skills.

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PROBLEM STATEMENT

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Our mission is pursued within the framework of the ACE model that offers practical tools and processes to empower micro and small enterprises operating in both rural area and small urban towns, so they are able to have the capacity to reach out to mainstream financial institutions. These institutions offer loan and lease finance products that are available to business enterprises at considerably lower cost than similar finance available from microfinance institutions. While microfinance loans are currently offered at an interest rate of 30% per annum, loan and lease finance from the banks are available at interest rates of 13% per annum. Additionally, government and international development partners are providing support that allows the banks to meet both fixed and working capital needs of small and medium-sized enterprises (SMEs) at an interest rate of 8.5% per annum.

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Micro and small enterprises (MSEs) do not have easy access to the services of these mainstream financial institutions because of information asymmetry (i.e. MSEs are not fully knowledgeable about the financial services) and structural constraint (e.g. MSEs are not able to provide the full set of documentation and the type of collaterals that the lending banks require).

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OUR SOLUTION

[/tatsu_text][/tatsu_column][/tatsu_row][/tatsu_section][tatsu_section bg_color= “” bg_image= “” bg_repeat= “no-repeat” bg_attachment= ‘{“d”:”scroll”}’ bg_position= ‘{“d”:”top left”}’ bg_size= ‘{“d”:”cover”}’ bg_animation= “none” padding= ‘{“d”:”10px 0px 25px 0px”}’ margin= ‘{“d”:”0px 0px 0px 0px”}’ border= “0px 0px 0px 0px” border_color= “” bg_video= “0” bg_video_mp4_src= “” bg_video_ogg_src= “” bg_video_webm_src= “” bg_overlay= “0” overlay_color= “” full_screen= “0” enable_custom_height= “” custom_height= ‘{“d”:””}’ vertical_align= “center” top_divider= “none” top_divider_zindex= “9999” bottom_divider_zindex= “9999” bottom_divider= “none” top_divider_height= ‘{“d”:”100″}’ top_divider_position= “above” bottom_divider_height= ‘{“d”:”100″}’ bottom_divider_position= “below” top_divider_color= “#ffffff” bottom_divider_color= “#ffffff” invert_top_divider= “0” invert_bottom_divider= “0” flip_top_divider= “0” flip_bottom_divider= “0” section_id= “” section_class= “” section_title= “” offset_section= “” offset_value= “0px” full_screen_header_scheme= “background–dark” z_index= “0” overflow= “” hide_in= “” key= “SybYAiqzBS”][tatsu_row full_width= “0” bg_color= “” border= ‘{“d”:”0px 0px 0px 0px”}’ border_color= “” no_margin_bottom= “0” equal_height_columns= “0” gutter= “medium” column_spacing= “px” fullscreen_cols= “0” swap_cols= “0” padding= ‘{“d”:”0px 0px 0px 0px”}’ margin= ‘{“d”:”0px 0px”}’ row_id= “” row_class= “” hide_in= “” box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” border_radius= “0px” layout= “1/1” key= “rJgFCjcGHS”][tatsu_column bg_color= “” bg_image= “” bg_repeat= “no-repeat” bg_attachment= “scroll” bg_position= ‘{“d”:”top left”}’ bg_size= ‘{“d”:”cover”}’ padding= ‘{“d”:”0px 0px 0px 0px”}’ custom_margin= “0” margin= ‘{“d”:”0px 0px 50px 0px”}’ border= ‘{“d”:”0px 0px 0px 0px”}’ border_color= “” border_radius= “0px” enable_box_shadow= “0” box_shadow_custom= “0px 0px 0px 0px rgba(0,0,0,0)” bg_video= “0” bg_video_mp4_src= “” bg_video_ogg_src= “” bg_video_webm_src= “” bg_overlay= “0” overlay_color= “” animate_overlay= “none” link_overlay= “” vertical_align= “none” column_offset= “0” sticky= “0” offset= ‘{“d”:”0px 0px”}’ z_index= “0” top_divider= “none” bottom_divider= “none” top_divider_height= ‘{“d”:”100″,”m”:”0″}’ bottom_divider_height= ‘{“d”:”100″,”m”:”0″}’ top_divider_color= “#ffffff” bottom_divider_color= “#ffffff” flip_top_divider= “0” flip_bottom_divider= “0” left_divider= “none” left_divider_width= ‘{“d”:”50″,”m”:”0″}’ left_divider_color= “#ffffff” invert_left_divider= “0” right_divider= “none” right_divider_width= ‘{“d”:”50″,”m”:”0″}’ right_divider_color= “#ffffff” invert_right_divider= “0” column_parallax= “0” top_divider_zindex= “9999” bottom_divider_zindex= “9999” right_divider_zindex= “9999” left_divider_zindex= “9999” column_width= ‘{“d”:100,”l”:100,”t”:100,”m”:100}’ overflow= “” column_mobile_spacing= “0” animate= “0” animation_type= “fadeIn” animation_delay= “0” image_hover_effect= “none” column_hover_effect= “none” hover_box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” col_id= “” column_class= “” hide_in= “” layout= “1/1” key= “rkYAjqzSr”][tatsu_text bg_color= “” max_width= ‘{“d”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 10px 0px”}’ box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “ryHk3czrr”]

Our ACE model addresses these problems with the following solutions:

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A. Technical support to MSEs for preparation of business plan, credit risk assessment and loan documentation as required by banks and lease

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Business Plan and Credit Risk Assessment

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Financials of last 2 years, including:

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Profit & loss account

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Balance sheet

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Cash flow

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “Bkk2h5zBH”]

Business plan, credit risk assessment, projected financials for the next 1 to 3 years

[/tatsu_list][/tatsu_lists][/tatsu_inner_column][tatsu_inner_column bg_color= “” bg_image= “” bg_repeat= “no-repeat” bg_attachment= “scroll” bg_position= “top left” bg_size= “cover” padding= ‘{“d”:”0px 0px 0px 0px”}’ custom_margin= “0” margin= ‘{“d”:”0px 0px 60px 0px”}’ border_radius= “0px” border= ‘{“d”:”0px 0px 0px 0px”}’ border_color= “” bg_video= “0” bg_video_mp4_src= “” bg_video_ogg_src= “” bg_video_webm_src= “” bg_overlay= “0” overlay_color= “” animate_overlay= “none” link_overlay= “” vertical_align= “none” column_offset= “0” offset= ‘{“d”:”0px 0px”}’ z_index= “0” column_parallax= “0” column_width= ‘{“d”:50,”l”:50,”t”:50,”m”:100}’ column_mobile_spacing= “0” animate= “0” animation_type= “fadeIn” animation_delay= “0” col_id= “” column_class= “” enable_box_shadow= “0” box_shadow_custom= “0 0 15px 0 rgba(198,202,202,0.4)” hide_in= “” horizontal_alignment= ‘{“d”:”flex-end”,”l”:”flex-end”,”t”:”flex-end”,”m”:”flex-end”}’ layout= “1/2” key= “BJxiHn5zHH”][tatsu_inline_text max_width= ‘{“d”:”100″,”m”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 15px 0px”}’ bg_color= “” box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “Hyy02czBH”]

Loan Application and supporting documentation

[/tatsu_inline_text][tatsu_lists margin= ‘{“d”:”0 0 60px 0″}’ style= “icon” circled= “0” icon_bg= “” icon_color= “rgba(34,147,215,1)” timeline= “0” timeline_color= “” list_item_margin= ‘{“d”:”12″}’ vertical_alignment= “none” custom_border= “0” border= ‘{“d”:”0″}’ border_color= “” key= “SyV0n5MBB”][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “rJgECncGHS”]

Business registration, certification, etc.

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “HJbVCn9frH”]

Optimal structuring of equity-loan financing

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “SkfEA2cGHS”]

Assessment and advice, and documentation of collateral acceptable to banks

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “SkXNAnqzHr”]

Arranging for guarantee or insurance coverage as applicable

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “ByEN0h5fSr”]

Completion of loan application

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On behalf of client MSEs, DRI arranges submission of these documents to commercial banks and lease finance institutions

[/tatsu_text][tatsu_text bg_color= “” max_width= ‘{“d”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 15px 0px”}’ box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “Sk4GCqGBr”]

B. Training in marketing and sales promotion, business management, enterprise operations management, accounting and finance

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Business and Enterprise Management

[/tatsu_inline_text][tatsu_lists margin= ‘{“d”:”0 0 60px 0″}’ style= “icon” circled= “0” icon_bg= “” icon_color= “rgba(34,147,215,1)” timeline= “0” timeline_color= “” list_item_margin= ‘{“d”:”12″}’ vertical_alignment= “none” custom_border= “0” border= ‘{“d”:”0″}’ border_color= “” key= “BJ8ECczSS”][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “ByxI4A5zBr”]

Marketing and sale promotion

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “ByZL4CqMBH”]

Production system

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “B1zLVRqMHS”]

Enterprise operations

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “rJmLNRczSH”]

Accounts, financial management

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “rJVI4AczHB”]

Link MSEs to training facilities for trade and industrial skills formation

[/tatsu_list][/tatsu_lists][/tatsu_inner_column][tatsu_inner_column bg_color= “” bg_image= “” bg_repeat= “no-repeat” bg_attachment= “scroll” bg_position= “top left” bg_size= “cover” padding= ‘{“d”:”0px 0px 0px 0px”}’ custom_margin= “0” margin= ‘{“d”:”0px 0px 60px 0px”}’ border_radius= “0px” border= ‘{“d”:”0px 0px 0px 0px”}’ border_color= “” bg_video= “0” bg_video_mp4_src= “” bg_video_ogg_src= “” bg_video_webm_src= “” bg_overlay= “0” overlay_color= “” animate_overlay= “none” link_overlay= “” vertical_align= “none” column_offset= “0” offset= ‘{“d”:”0px 0px”}’ z_index= “0” column_parallax= “0” column_width= ‘{“d”:50,”l”:50,”t”:50,”m”:100}’ column_mobile_spacing= “0” animate= “0” animation_type= “fadeIn” animation_delay= “0” col_id= “” column_class= “” enable_box_shadow= “0” box_shadow_custom= “0 0 15px 0 rgba(198,202,202,0.4)” hide_in= “” horizontal_alignment= ‘{“d”:”flex-end”,”l”:”flex-end”,”t”:”flex-end”,”m”:”flex-end”}’ layout= “1/2” key= “BJlH7A5GSS”][tatsu_inline_text max_width= ‘{“d”:”100″,”m”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 15px 0px”}’ bg_color= “” box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “H1F30qfSr”]

Monitoring & Business Loan Amortisation

[/tatsu_inline_text][tatsu_lists margin= ‘{“d”:”0 0 60px 0″}’ style= “icon” circled= “0” icon_bg= “” icon_color= “rgba(34,147,215,1)” timeline= “0” timeline_color= “” list_item_margin= ‘{“d”:”12″}’ vertical_alignment= “none” custom_border= “0” border= ‘{“d”:”0″}’ border_color= “” key= “SkXn0qMSH”][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “rkeQn0qGBB”]

Enterprise level monitoring of business

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “HyWX3RcMHB”]

Response to advice and technical support needs

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “SJGXn09MBB”]

Baseline set up and periodic assessment of socioeconomic outcome

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “rJQX2RcMSB”]

Policy and programmatic feedback

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “ByN7305frH”]

Resource mobilisation for client micro and small enterprises

[/tatsu_list][/tatsu_lists][/tatsu_inner_column][/tatsu_inner_row][/tatsu_column][/tatsu_row][/tatsu_section][tatsu_section bg_color= “” bg_image= “” bg_repeat= “no-repeat” bg_attachment= ‘{“d”:”scroll”}’ bg_position= ‘{“d”:”top left”}’ bg_size= ‘{“d”:”cover”}’ bg_animation= “none” padding= ‘{“d”:”0px 0px 40px 0px”}’ margin= ‘{“d”:”0px 0px 0px 0px”}’ border= “0px 0px 0px 0px” border_color= “” bg_video= “0” bg_video_mp4_src= “” bg_video_ogg_src= “” bg_video_webm_src= “” bg_overlay= “0” overlay_color= “” full_screen= “0” enable_custom_height= “” custom_height= ‘{“d”:””}’ vertical_align= “center” top_divider= “none” top_divider_zindex= “9999” bottom_divider_zindex= “9999” bottom_divider= “none” top_divider_height= ‘{“d”:”100″}’ top_divider_position= “above” bottom_divider_height= ‘{“d”:”100″}’ bottom_divider_position= “below” top_divider_color= “#ffffff” bottom_divider_color= “#ffffff” invert_top_divider= “0” invert_bottom_divider= “0” flip_top_divider= “0” flip_bottom_divider= “0” section_id= “” section_class= “” section_title= “” offset_section= “” offset_value= “0px” full_screen_header_scheme= “background–dark” z_index= “0” overflow= “” hide_in= “” key= “Bk-yF1jzBH”][tatsu_row full_width= “0” bg_color= “” border= ‘{“d”:”0px 0px 0px 0px”}’ border_color= “” no_margin_bottom= “0” equal_height_columns= “0” gutter= “medium” column_spacing= “px” fullscreen_cols= “0” swap_cols= “0” padding= ‘{“d”:”0px 0px 0px 0px”}’ margin= ‘{“d”:”0px 0px”}’ row_id= “” row_class= “” hide_in= “” box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” border_radius= “0px” layout= “1/1” key= “rJxktysfrS”][tatsu_column bg_color= “” bg_image= “” bg_repeat= “no-repeat” bg_attachment= “scroll” bg_position= ‘{“d”:”top left”}’ bg_size= ‘{“d”:”cover”}’ padding= ‘{“d”:”0px 0px 0px 0px”}’ custom_margin= “0” margin= ‘{“d”:”0px 0px 50px 0px”}’ border= ‘{“d”:”0px 0px 0px 0px”}’ border_color= “” border_radius= “0px” enable_box_shadow= “0” box_shadow_custom= “0px 0px 0px 0px rgba(0,0,0,0)” bg_video= “0” bg_video_mp4_src= “” bg_video_ogg_src= “” bg_video_webm_src= “” bg_overlay= “0” overlay_color= “” animate_overlay= “none” link_overlay= “” vertical_align= “none” column_offset= “0” sticky= “0” offset= ‘{“d”:”0px 0px”}’ z_index= “0” top_divider= “none” bottom_divider= “none” top_divider_height= ‘{“d”:”100″,”m”:”0″}’ bottom_divider_height= ‘{“d”:”100″,”m”:”0″}’ top_divider_color= “#ffffff” bottom_divider_color= “#ffffff” flip_top_divider= “0” flip_bottom_divider= “0” left_divider= “none” left_divider_width= ‘{“d”:”50″,”m”:”0″}’ left_divider_color= “#ffffff” invert_left_divider= “0” right_divider= “none” right_divider_width= ‘{“d”:”50″,”m”:”0″}’ right_divider_color= “#ffffff” invert_right_divider= “0” column_parallax= “0” top_divider_zindex= “9999” bottom_divider_zindex= “9999” right_divider_zindex= “9999” left_divider_zindex= “9999” column_width= ‘{“d”:100,”l”:100,”t”:100,”m”:100}’ overflow= “” column_mobile_spacing= “0” animate= “0” animation_type= “fadeIn” animation_delay= “0” image_hover_effect= “none” column_hover_effect= “none” hover_box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” col_id= “” column_class= “” hide_in= “” layout= “1/1” key= “r1JFyiMBH”][tatsu_text bg_color= “” max_width= ‘{“d”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 15px 0px”}’ box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “HkHFyszSS”]

C. SPECIAL NEEDS OF MICRO ENTERPRISES

[/tatsu_text][tatsu_text bg_color= “” max_width= ‘{“d”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 10px 0px”}’ box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “r1y3koMBr”]

Micro enterprises (ME) operate on a scale that employ between one and nine workers, while small enterprises (SE) engage between 10 and 49 workers.

[/tatsu_text][tatsu_text bg_color= “” max_width= ‘{“d”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 10px 0px”}’ box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “SJi3yozBB”]

Loan requirements of MEs tend to be small – ranging from MMK 5 to 15 million, while loan requirements of SEs are MMK 15 to 100 million.

[/tatsu_text][tatsu_text bg_color= “” max_width= ‘{“d”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 20px 0px”}’ box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “rkuhyjMBH”]

Bank administrative cost of servicing such micro loans are high.

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The ACE model addresses this issue for banks by providing them with ME business plan, cashflow analysis of client’s household economy, credit risk assessment, collateral analysis and alternative method of collateralised asset management through appropriate legal instruments. Additionally, the ACE programme extends support to the MEs in completing all government regulatory requirements and documentation, Such support measures reduce the cost for lending banks while they also get to know their ME clients.

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Households engaged in microenterprises tend to have multiple sources of small income; on average three members in a family are engaged in income earning activities. This offers opportunity for lenders to take exposure on the MSE household economy, not just the business activity for which loan is being considered. The ACE model assesses total household economy cash flow and balance sheet that provides a comprehensive perspective of the household financials including debt management.

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Our ACE model addresses these problems with the following solutions:

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A. Technical support to MSEs for preparation of business plan, credit risk assessment and loan documentation as required by the financial institutions

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Business Plan and Credit Risk Assessment

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  1. Financials of last 2 years, including:
  2. Profit & loss account
  3. Balance sheet
  4. Cash flow
  5. Business plan, credit risk assessment,
  6. projected financials for the next 1 to 3 years

[/tatsu_text][/tatsu_column][tatsu_column bg_color= “” bg_image= “” bg_repeat= “no-repeat” bg_attachment= “scroll” bg_position= ‘{“d”:”top left”}’ bg_size= ‘{“d”:”cover”}’ padding= ‘{“d”:”0px 0px 0px 0px”}’ custom_margin= “0” margin= ‘{“d”:”0px 0px 50px 0px”}’ border= ‘{“d”:”0px 0px 0px 0px”}’ border_color= “” border_radius= “0px” enable_box_shadow= “0” box_shadow_custom= “0px 0px 0px 0px rgba(0,0,0,0)” bg_video= “0” bg_video_mp4_src= “” bg_video_ogg_src= “” bg_video_webm_src= “” bg_overlay= “0” overlay_color= “” animate_overlay= “none” link_overlay= “” vertical_align= “none” column_offset= “0” sticky= “0” offset= ‘{“d”:”0px 0px”}’ z_index= “0” top_divider= “none” bottom_divider= “none” top_divider_height= ‘{“d”:”100″,”m”:”0″}’ bottom_divider_height= ‘{“d”:”100″,”m”:”0″}’ top_divider_color= “#ffffff” bottom_divider_color= “#ffffff” flip_top_divider= “0” flip_bottom_divider= “0” left_divider= “none” left_divider_width= ‘{“d”:”50″,”m”:”0″}’ left_divider_color= “#ffffff” invert_left_divider= “0” right_divider= “none” right_divider_width= ‘{“d”:”50″,”m”:”0″}’ right_divider_color= “#ffffff” invert_right_divider= “0” column_parallax= “0” top_divider_zindex= “9999” bottom_divider_zindex= “9999” right_divider_zindex= “9999” left_divider_zindex= “9999” column_width= ‘{“d”:33.33,”l”:33.33,”t”:33.33,”m”:100}’ overflow= “” column_mobile_spacing= “0” animate= “0” animation_type= “fadeIn” animation_delay= “0” image_hover_effect= “none” column_hover_effect= “none” hover_box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” col_id= “” column_class= “” hide_in= “” layout= “1/3” key= “rke0rAlf-r”][tatsu_text bg_color= “” max_width= ‘{“d”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 10px 0px”}’ box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “rydaRxzWr”]

Loan application and supporting documentation

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  1. Business registration, certification, etc.
  2. Optimal structuring of equity-loan financing
  3. Assessment and advice, and documentation of collateral acceptable to banks
  4. Arranging for guarantee or insurance coverage as applicable
  5. Completion of loan application

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On behalf of client MSEs,

DRI arranges

submission of these documents to commercial banks and lease finance institutions

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B. Training in marketing and sales promotion, business management, enterprise operations management, accounts and financial management

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Business and Enterprise Management

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  1. Marketing and sale promotion
  2. Production system and technology
  3. Enterprise operations management
  4. Accounts and financial management
  5. Linking MSEs to training facilities for trad and-industrial skills formation

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Monitoring & Business Loan Amortisation

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  1. Enterprise level monitoring of business and loan repayment
  2. Response to advice and technical support needs of MSEs
  3. Baseline set up & periodic assessment of socio-economic outcome/impact
  4. Policy and programmatic feedback
  5. Resource mobilisation for client MSEs

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Special needs of micro enterprises

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Micro enterprises operate on a scale that employ between 1 and 9 workers, while small enterprises engage between 10 and 49 workers.

Loan requirements of micro enterprises tend to be small – ranging from MMK 3 to 9 million, while small enterprise’s loan requirements are MMK 10 to 100 million.

Bank administrative cost of servicing such micro loans is high.

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The ACE model addresses this issue for banks by consolidating loan requirements of 5 to 10 microenterprises to allowbanks to deal with one “client” with consolidated loan demand of MMK 30 to 50 million. DRI engages with the enterprises to mobilise their group formation into “business unit” with agreement among the members for proportionate sharing of risk on their “group loan” and collateral coverage in proportion to their loan amounts, agreeable to all group members. Lending bank however relates to the business unit only.

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Households engaged in microenterprises tend to have multiple sources of small income; on average three members in a family are engaged in income earning activities. This offers opportunity for lenders to take exposure on their household economy, not just the business activity for which loan is being considered. The ACE model assesses total household economy cash flow and balance sheet that provides a comprehensive perspective of the household financials including debt management.

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B. Training in marketing and sales promotion, business management, enterprise operations management, accounts and financial management

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industrys standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

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Business and Enterprise Management

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Marketing and sale promotion

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Production system and technology

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Enterprise operations management

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Accounts and financial management

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Linking MSEs to training facilities for trad and-industrial skills formation

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Monitoring & Business Loan Amortisation

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Enterprise level monitoring of business and loan repayment

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Response to advice and technical support needs of MSEs

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Baseline set up & periodic assessment of socio-economic outcome/impact

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Policy and programmatic feedback

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Resource mobilisation for client MSEs

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Our ACE model addresses these problems with the following solutions:

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Special needs of micro enterprises

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Micro enterprises operate on a scale that employ between 1 and 9 workers, while small enterprises engage between 10 and 49 workers.

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Loan requirements of micro enterprises tend to be small – ranging from MMK 3 to 9 million, while small enterprise’s loan requirements are MMK 10 to 100 million. Bank administrative cost of servicing such micro loans is high.

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The ACE model addresses this issue for banks by consolidating loan requirements of 5 to 10 microenterprises to allowbanks to deal with one “client” with consolidated loan demand of MMK 30 to 50 million. DRI engages with the enterprises to mobilise their group formation into “business unit” with agreement among the members for proportionate sharing of risk on their “group loan” and collateral coverage in proportion to their loan amounts, agreeable to all group members. Lending bank however relates to the business unit only.

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Households engaged in microenterprises tend to have multiple sources of small income; on average three members in a family are engaged in income earning activities. This offers opportunity for lenders to take exposure on their household economy, not just the business activity for which loan is being considered. The ACE model assesses total household economy cash flow and balance sheet that provides a comprehensive perspective of the household financials including debt management.

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OPERATIONAL TOOLS AND PROCESSES

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The nuts and bolts of the ACE model’s operational capacity constitute seven sets of service lines:

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Institutional arrangements that are followed to identify viable MSEs in the rural area and small urban towns.

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Tools and technical processes that are used to help target MSEs prepare their business plan and credit risk assessment report.

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Administrative support measures that are organised to assist MSE clients to comply with government regulatory requirements such as business license, permit, enterprise incorporation and other requirements together with business advice.

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Technical advice and support for identifying and structuring collaterals that are required by financing institutions or the ACE programme, as appropriate.

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Technical support to the MSE clients to prepare and package their loan or lease finance application package that meet requirements of the financing institutions.

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Business tracking and monitoring with follow-up measures to ensure the client MSEs meet their timely repayment obligations to the financial institutions.

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Technical assistance to MSE clients who may need support for organising and developing their accounting and financial management capacity.

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OUTCOME

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The ACE programme builds MSE entrepreneurial capacity that enables them to create jobs (employment creation), generate profit and financial sustainability (on the profit & loss account) and accumulate capital (on the balance sheet). The strategy is crafted to yield the following outcomes with quantifiable and measurable indicators:

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a. Entrepreneurship development

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Indicator:  number of MSEs serviced by the ACE team; number of Business Plan and Credit Risk Assessment reports; number and % of entrepreneurs who have borrowed money are repaying their debts on time; and number of MSEs who have taken repeat loans.

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b. Job creation

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Indicator:  number of full-time and part-time jobs created by MSEs since receiving service from the ACE programme.

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c. Profit and financial sustainability of business

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Indicator:  profit before tax; amount and % of profit reinvested in the business balance sheet for business growth.

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d. Capital accumulation

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Indicator:  increase in retained earnings in balance sheet; increase in total asset together with increase in net worth (i.e. total asset minus liability).

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These are the Indicators that are amenable to tracking business performance of the target MSEs and monitoring and reporting of development outcome of the ACE model and its services.

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ACE Access to Capital for Enterprises in Myanmar

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ABOUT US

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Development Resources International Co., Ltd. (DRI) is a Myanmar organisation with its head office in Nay Pyi Taw and operational capacity at several townships.DRI is registered with thegovernment’s Directorate of Investment and Company Administration (in May 2016) as a service organisation engaged in providing consulting, research, training and business solutions for economic development.

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MISSION

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We are committed to contributing to the efforts of the people at the “base of the pyramid” whose human capabilities and entrepreneurial capacity are unrealised because they do not have access to (a) income earning opportunity, (b) capital finance at affordable cost so they could maximise their business outcome, (c) business management skills and (d) industry and trade skills.

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OUR SOLUTION

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Our mission is pursued within the framework of the ACE model that offers practical tools and processes to empower micro and small enterprises operating in both rural area and small urban towns so they are able to have thecapacity to reach out to mainstream financial institutions. These institutions offer loan and lease finance products that are available to business enterprises at considerably lower cost than similar finance available from microfinance institutions. While microfinance loans are currently offered at an interest rate of 30% per annum, loan and lease finance from the banks are available at interest rates of 13% per annum. Additionally, government and international development partners are providing support that allows the banks to meet both fixed and working capital needs of small and medium-sized enterprises (SMEs) at an interest rate of 8.5% per annum.

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Micro and small enterprises (MSEs) do not have easy access to the services of these mainstream financial institutions because of information asymmetry (i.e. MSEs are not fully knowledgeable about the financial services) and structural constraint (e.g. MSEs are not able to provide the full set of documentation and the type of collaterals that the lending banks require).

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Our ACE model addresses these problems with the following solutions:

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A. Technical support to MSEs for preparation of business plan, credit risk assessment and loan documentation as required by banks and lease

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Business Plan and Credit Risk Assessment

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Financials of last 2 years, including:

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Profit & loss account

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Balance sheet

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Cash flow

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Business plan, credit risk assessment, projected financials for the next 1 to 3 years

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Loan application and supporting documentation

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Business registration, certification, etc.

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Optimal structuring of equity-loan financing

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Assessment and advice, and documentation of collateral acceptable to banks

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Arranging for guarantee or insurance coverage as applicable

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Completion of loan application

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On behalf of client MSEs,

[/tatsu_text][tatsu_text bg_color= “” max_width= ‘{“d”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 15px 0px”}’ box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “Sy_b2P0VB”]

DRI arranges

[/tatsu_text][tatsu_text bg_color= “” max_width= ‘{“d”:”100″}’ wrap_alignment= “center” text_alignment= ‘{“d”:”left”}’ animate= “” animation_type= “fadeIn” animation_delay= “0” margin= ‘{“d”:”0px 0px 0px 0px”}’ box_shadow= “0px 0px 0px 0px rgba(0,0,0,0)” padding= ‘{“d”:”0px 0px 0px 0px”}’ border_radius= “0px” key= “BkLf2wANH”]

Submission of these documents to commercial banks and lease finance institutions

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B. Training in marketing and sales promotion, business management, enterprise operations management, accounting and finance

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Business and Enterprise Management

[/tatsu_text][tatsu_lists margin= ‘{“d”:”0 0 60px 0″}’ style= “icon” circled= “0” icon_bg= “” icon_color= “rgba(34,147,215,1)” timeline= “0” timeline_color= “” list_item_margin= ‘{“d”:”12″}’ vertical_alignment= “none” custom_border= “0” border= ‘{“d”:”0″}’ border_color= “” key= “BJChAMsgS”][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “H1xAnCGjeS”]

Marketing and sale promotion

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “r1Z02CMsgB”]

Production system

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “rJMCn0GjxS”]

Enterprise operations

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “SJXAn0Mslr”]

Accounts, financial management

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “B1EA3RGsgH”]

Link MSEs to training facilities for trade and industrial skills formation

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Monitoring & Business Loan Amortisation

[/tatsu_text][tatsu_lists margin= ‘{“d”:”0 0 60px 0″}’ style= “icon” circled= “0” icon_bg= “” icon_color= “rgba(34,147,215,1)” timeline= “0” timeline_color= “” list_item_margin= ‘{“d”:”12″}’ vertical_alignment= “none” custom_border= “0” border= ‘{“d”:”0″}’ border_color= “” key= “rkQzJ7ilH”][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “BJl7fJXolS”]

Enterprise level monitoring of business

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “Hk-QGkmixr”]

Response to advice and technical support needs

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “BkG7MymogB”]

Baseline set up and periodic assessment of socioeconomic outcome

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “Sk7Qf1Xoer”]

Policy and programmatic feedback

[/tatsu_list][tatsu_list icon= “icon-icon_check” circled= “1” icon_bg= “rgba(110,181,44,1)” icon_color= “rgba(255,255,255,1)” border_color= “” key= “BkNQf17seH”]

Resource mobilisation for client micro and small enterprises

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SPECIAL NEEDS OF MICRO ENTERPRISES

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Micro enterprises (ME) operate on a scale that employ between one and nine workers, while small enterprises(SE) engage between ten and forty-nince workers.

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Loan requirements of MEs tend to be small – ranging from MMK 5 to 15 million, while loan requirements of SEs are MMK 15 to 100 million.

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Bank administrative cost of servicing such micro loans are high.

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The ACE model addresses this issue for banks by providing them with ME business plan, cashflow analysis of client’s household economy, credit risk assessment, collateral analysis and alternative method of collateralised asset management through appropriate legal instruments. Additionally, the ACE programme extends support to the MEs in completing all government regulatory requirements and documentation, Such support reduces the cost for lending banks while they also get to know their ME clients.

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Households engaged in microenterprises tend to have multiple sources of small income; on average three members in a family are engaged in income earning activities. This offers opportunity for lenders to take exposure on their household economy, not just the business activity for which loan is being considered. The ACE model assesses total household economy cash flow and balance sheet that provides a comprehensive perspective of the household financials including debt management.

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THE TEAM

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ACE team is optimally configured with expertise blended with conceptual ability and rigorous operational capability. The team is composed of subject matter experts with strong background in rural economy, small urban economy, local economic development, small business management, accounting and finance, and banking and lease financing. The ACE leadership team has substantial working experience with financial institutions, government agencies at national and local level, donor agencies and private enterprises.

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