Presented by:
Anupam
2007CS50211
Vikas Prajapati
2007CS50189
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 Introduction
 Related Work
 Problem Description
 Solution Design
 Results and Discussion
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Microfinance, Self Helf Groups and the Problem
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 Financial services to low-income clients who lack access to
formal banking
 Provides access to credit, savings and insurance.
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 10-20 participants per group
 Support from NGOs, banks and government agencies
 86 million households; 6 million SHGs; $3.7 billion savings
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 Data Accuracy and Completeness
 Process Efficiency
 Only 15% complete, updated and accurate records
 Diminishes the ability of the SHG to borrow money from
financial institutions.
 Debt/Equity ratio: 1.4 compared to maximum 4
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 Camera-enabled mobile phones, Simputers, handheld
devices, palm pilots, J2ME applications on Java
phones, Laptops.
 Low financial viability of all these systems.
 No deployment of scalable model.
 Paper based system preferred by the users.
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 Phone: Voice in voice out
 IVRS: Text in Voice out
 Menu Based: Graphic
 SMS: Text in Text out
 Enter electronic data through a natural UI involving
writing.
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 OMR/OCR like model.
 Mobile phones to capture data from paper forms.
 Digital pen
 Plain paper
 Special paper
 All processing done on PC
 No real-time feedback
 Intuitive and natural UI required
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Paper-only and Computer Munshi
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 Paper-Only
 Ledger maintenance
 Heavy burden on the Writer
 Inaccurate and Inefficient
 Computer Munshi (CM)
 PM/CM charge money
 Long cycle period (~1 week)
 Unexpected additional time
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 Low Data Accuracy
 Recording errors
 Calculation errors
 Legibility problems
 Low Data Completeness
 Low Process Efficiency
 Error resolution
 Transport delays
 Extended meeting time
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 Easily usable by Writers
 Reliable and transparent to members
 Functional in remote locations
 Financially sustainable with user fees only
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 Stylus, keypad or keyboards input
 Voice input
 Handwritten input with Digital pen
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 Built Record Management software
 Navigation using stylus
 Digit recognizer (local language)
 Computation logic
 Speaker for audio feedback
 Immediate error resolution
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 Single point of data entry
 Natural input mechanism
 No need for manual calculations
 Instant updates reported
 Audio output for verification
 Completeness checks
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 Automatic calculations a big help
 Immediate error correction
 Transparency due to voice feedback
 No time constrained physical movement of paper
 Handwritten mechanism favored by users
 Less recording time
All key areas of concern addressed.
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 More effort required to gain user acceptance
 Comparable data quality and efficiency using purely
electronic solution
 Gradual shift from original user habits
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