" Unique Approach of Garanti Bank to Women Entrepreneurs
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1 " Unique Approach of Garanti Bank to Women Entrepreneurs Selin Oz SME Banking Marketing Manager Garanti Bank March 2012 CAIRO
2 Why Women Entrepreneurs? Facts of Women Entrepreneurs What Differentiate Women Entrepreneurs? Garanti Women Entrepreneurs Program Financial Support Educatinal Support Encouragement Conclusion
3 Why Women Entrepreneurs?
4 Facts of Women Entrepreneurs Women and Entrepreneurship in Turkey, A Research on Attitude and Approach The place of woman is her home! Entrepreneur women are not respected within their environment... Not raised in a way that they will be prepared to business-life... What are the most common problems? General values put limitations on women entrepreneurship Discouraging attitude towards women entrepreneurship Young generation carry the existing negative values, whilst women with higher education and middle aged women have a more positive attitude Problems in accessing to information and lack of courage What should we do? Creating encouraging communication opportunities Increasing the role models Increasing guidance, strengthening the informative points Providing more financial opportunities in terms of establishing a business Providing managerial & financial literacy support (training, consultancy, etc.)
5 Facts of Woman Entrepreneurs Education... Encouragament... 70% Education Level 59% 24% 25% 14% 6% Secondary School High School University TURKEY EU Percentage of the female unpaid family workers to total employed women is 49.8% Technological Advancement No new technology New Technology (1-5 years) Early Stage Entrepreneurs Established Entrepreneurs Percentage of the wage/salaried woman workers to total employed women is 33.4% Latest technology % of Turkish woman lives in the rural area Age distribution of woman entrepreneurs; 7,6% is 18-24, 44,1% is age, 32,5% is Global Gender Gap Report 2011 out of 135 country economic participation rank is 132, educational attainment is 106 After founding company, they need marketing, finance and technology know-how.
6 What Differentiate Women Entrepreneurs? Different Point of View... Business More relationship management is needed Understanding their needs and solution partnership Approach to financial supports Financial solutions should not only support their cash flow but also, production capacity, product quality and sustainable business development. Assessing the opportunities Confident their own skills and more likely to know other entrepreneurs More alert to the existence of unexploited opportunities Expectations from their banks They connect their business with emotional ties Their business must go on after them They want to evolve in sustainable projects
7 Our Aim is... Giving women entrepreneurs managerial and consultancy support to help them reach a competetive level in global markets! To contribute to Turkey s social and economic development by increasing the number of women entrepreneurs who create economic value.
8 Garanti & Women Entrepreneurs 1 Financial Support 2 Education 3 Encouragement Women Entrepreneurs Support Package Women Entrepreneurs Gatherings Turkey s Women Entrepreneur Contest A Bank A NGO Garanti SME Banking & Turkey s Women Entrepreneurs Assosiations (KAGİDER) A Bank A NGO A Magazine Garanti & KAGİDER & Ekonomist
9 1 Financial Support Women Entrepreneur Support Package
10 Financial Support; Women Entrepreneur Support Package Garanti Bank & SME Banking Figures (since 2006) Retail Banking Private Banking SME Banking Commercial Banking Corporate Banking SME Definition European Union Turkey Garanti Bank Annual Turnover 0 50 MM EUR 0 25 MM TL 0 10 MM TL Garanti SME Definition Medium Annual Turnover TL3-10Mn or Banking volume TL k Credit Limit TL 200k - 2 Mn Small Annual Turnover TL 500k - 3 Mn or Banking volume TL k Credit Limit TL 0-200k Micro Annual Turnover < TL 500k or Banking volume < TL 30k Credit Limit SME RM # of credits : : Total Limit Profitabilty Product Efficiency Level Products : 255 MM USD : 1.5x more than : 2x more than Women Entrepreneur Consumer Loan SME Project Loan (7 year maturity) Overdraft Foreign trade services Letter of credit POS Pension Program for Women Entrepreneurs Leasing Business Credit Card EU accession period has increased the importance of SME s in the economy and increased the level of government support. KOSGEB (Small Business Agency) is the most important government institute, which promotes credit programs cooperating with Banks KGF is the credit guarantee fund of SME s, serving collateral guarantees. Apply positive discrimination towards women entrepreneurs
11 Garanti & Women Entrepreneurs 1 Financial Support 2 Education Women Entrepreneur Support Package Women Entrepreneur Gatherings
12 Education Support ; Women Entrepreneur Gatherings Aim Enlightening Our Women Entrepreneurs Way!... To provide information on fundamental subjects Encourage them in creating new opportunities for their businesses through networking Support them in their personal development. Schedule Marketing Menagament Finance A Role Model Technology KOSGEB Cities 4 Years 15 Cities 2500 WE İzmir Eskişehir Adana Samsun Kayseri Manisa Gaziantep Konya Bursa Edirne Ankara Kütahya Kıbrıs Trabzon Kahramanmaraş
13 Garanti & Women Entrepreneurs 1 Financial Support 2 Education 3 Encouragement Women Entrepreneur Support Package Women Entrepreneur Gatherings Turkey s Women Entrepreneur Competition
14 Encouragement ; Turkey s Women Entrepreneur Competition 2008 Aim Draw public's attention to women's "entrepreneur soul", To give inspiration by sharing the role model s success 806 Categories Turkey s Woman Entrepreneur Turkey's Promising Woman Entrepreneur Turkey's Woman Entrepreneur Who Has Created a Difference in Her Region Application Criteria A resident in Turkey Controlling partner in the company The Company's annual revenue < 25 MM TL Statistics 2011 In 2007 ; 113 application from 23 region In 2008 ; 806 application from 53 region In 2009 ; application In 2010 ; application from 70 region In 2011; application 2012 Target;7.000 application 5.600
15 The first web site for women entrepreneurs, prepared by a bank Women Entrepreneurs ; Can access all information about Turkey s Woman Entrepreneur Contest Can read the stories of Turkey s Woman Entrepreneur Contest finalists. And Can apply for the contest
16 Other Projects for Women Entrepreneurs National Funds and EU Supports for Woman Entrepreneur s Projects International Women Entrepreneurship and Leadership Summit ~ Contents of the book;. Which funds can woman entrepreneurs take advantage of? Tax advantages Which funds should women entrepreneurs follow? The Summit will bring esteemed women entrepreneurs and leaders together from US, Europe and MENA Regions Main target audience are women leaders and entrepreneurs who want to improve their knowledge, develop their business and be pioneers for change Funds From MFIs Small Enterprises Loan Program II (SELP II) Overseas Private Investment Corporation (OPIC) Eropean Bank of Reconstraction and Development (EBRD) Supporting Women Entrepreneurs: Examples from Turkey, The UN Session GarantiBank and KAGİDER were found eligible to attend the 53rd Session of the UN Commission on the Status of Women which took place in the UN Headquarters in March Equal Opportunities Model Membership of Global Banking Alliance for Women Equal Opportunities Model and Certification to the private companies. Model developed with the technical assistance of the World Bank. Launch was on 21st of July Garanti Bank joined the program at the first stage. Garanti Bank has became the member of Global Banking Allainace for Women since August 2011.
17 Conclusion How does the Ecosystem work? Universities Government Institutions Cooperation Dedicated Sales Team NGOs Volunteers Role Models Creating Internal & External Awareness MFIs Communication Private Sector GSM Operators Press international Organizations 17
18 1 Financial Support 3 Encouragement To contribute Turkey s social and economic development Empowering woman entrepreneurs through entrepreneurship is not a socail respon onsibility for us but a real business 2 Education
19 GarantiBank & Woman Entrepreneurs... Our Aim To bring Turkish women entrepreneurs together Our Priority Not only financal services and profit but also the creating awareness Our Mission To increase the number and quality of women entrepreneurs, who create economic value We believe that our approach will help women entrepreneurs reach a competitive ability in the international business arena!...
20 Thank You... Selin Öz GarantiBank SME Banking Marketing Manager
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