Accion Portacredit: Increasing Mfi Efficiency with Technology

ACCION InSight Series, No. 9, May 2004

9 Pages Posted: 6 Jun 2006

See all articles by Susana Barton

Susana Barton

ACCION International

Carlos del Busto

ACCION International

Abstract

This InSight shares the achievements and challenges from ACCION's PortaCredit program, an innovative technology employed at microfinance institutions (MFIs) that collects and tracks microloans through the handheld computers of loan officers. PortaCredit replicates and expands upon the paper-based microloan application with the ultimate goals of reducing the operational costs of MFIs, automating and standardizing the credit application process and increasing the productivity of loan officers and other staff. This InSight chronicles the main technological and operational challenges to implementing PortaCredit at an MFI, and shares lessons from institutions in Ecuador and Venezuela.

Keywords: microfinance, ACCION, InSight, technology, PortaCredit, MFI, microcredit, loans

JEL Classification: N86, O14

Suggested Citation

Barton, Susana and del Busto, Carlos, Accion Portacredit: Increasing Mfi Efficiency with Technology. ACCION InSight Series, No. 9, May 2004, Available at SSRN: https://ssrn.com/abstract=906585

Susana Barton (Contact Author)

ACCION International ( email )

56 Roland Street
Suite 300
Boston, MA 02129

Carlos Del Busto

ACCION International ( email )

56 Roland Street
Suite 300
Boston, MA 02129

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