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Information and Information and Communication Communication
Technology Based Technology Based Rural Business ProjectRural Business Project
Subodh Kumar Gupta
December 1, 2001
2
Outline
Objective STEMS not Branches Services by STEMS How would it work? User Segments Business Model Schedule Budget Benefits
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Objective
To develop models for Information and
Communication Technology based
service enterprises in rural areas
e.g. PCO-ATMs
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STEMS not Branches!
In the old days, (even now) banks and companies did business through
Branches. Now, we propose to do it through STEMS - Synergetic Terminals offering
Electronic Multiple Services
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Services by STEMS Collection of electricity bills, revenue, etc. Application, disbursement and repayment of loans Deposit and withdrawal of savings Insurance Services Agricultural information – clinic, weather, prices Land records, other documents All these are already being done by projects like AP e-Seva, BASIX-POT, NFCL iKisan.com, ITC Soya
Choupal and MP Gyandoot. Our proposal is to integrate these at the village retail
level with a business model.
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How Would It Work?
Market and Technical Information Companies such as ITC and Dhanuka will own and operate– Market and Technical Information Servers (MaTIS)
Financial Services Companies like ICICI and BASIX will own and operate– Financial Services Servers (FINeSS)
STEMS will act as retail outlets for both – market + technical information and – financial services transactions
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STEMS
MaTIS
Registration
Relevant Information
Uploading local dataDownloading
As needed
Response
STEMS
ResponseResponse
Request for InformationSTEMS
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STEMS
Customer
RegistrationE-Passbook
RequestResponse
Financial Transaction
Updated e-passbookPrinted Receipt
E-receipt
STEMS
FINeSS,
STEMS
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User Segments Farmers Traders Micro-entrepreneurs
Service would be designed to ensure access to Small and Marginal Farmers Small and petty traders Women Illiterate people
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Business Model Village level services by micro-e-ntrepreneurs Backbone provided by specialist agencies
– Micro-finance institutions (e.g. BASIX) – Agri-business companies/associations (e.g. SOPA)– Government agencies (e.g. Agri extension dept) – NGOs (e.g. PRADAN)
MaTIS and FINeSS owned and managed by specialist agencies on profit sharing basis.
STEMS operated by the micro-e-ntrepreneurs on revenue sharing model
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Schedule
3 months to Study and Consultation with potential MaTIS and FINeSS owner/operating companies/agencies
3 months prototype testing in lab condition 3 months field trial of the model 1 months for fine tuning & review 2 months for roll-out in the field
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Budget in Rs Lakhs
1. Study and Consultations 52. Prototype Development 10 3. Field Trial 10 4. Fine Tuning & Roll out 5 5. Total 30 (Plus an office to operate in Bhopal and
fellowship to the proposer)
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Benefits
The assignment will produce scalable models for ICT based service micro-enterprises. If replicated,
These will facilitate the transactions and increase productivity of lakhs of farmers and other rural producers
Thousands of STEMS micro-e-ntrepreneurs will get employment and sustainable incomes
Hundreds of Companies’ rural operation will become commercially viable
Thank YouThank You
Suggestions welcome to [email protected]