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<br>
=== Education ===
* 50% of India's population is below the age of 25 and 2/3rd of the population is below the age of 35
[[Image:PersFin Rural ATM.jpg|thumb|center|400px|[http://epaper.timesofindia.com/Repository/ml.asp?Ref=VE9JQkcvMjAwNi8wOC8wOCNBcjAxNTAz&Mode=HTML&Locale=english-skin-custom State Bank of India/Microsoft experiment for rural ATM was tested with 20,000 villagers in 5 villages]]]
=== India - A consumption boom is taking place ===
* According to study by Bank of Baroda, India is riding a CAGR growth in excess of 35% for the last 5 years in 'retail loans' category
* Despite this, the penetration of credit products as a % of GDP is still very low
* Reasons could be (a) credit aversion (b) no distinction between good and bad paymasters (c) propensity to save is high due to insecure healthcare and social security concerns.
[[Image:Credit boom in India.jpg|thumb|center|600px|Consumption boom]]
[[Image:Consumption boom in India.jpg|thumb|center|600px|Consumption boom]]
=== Microfinance ===
* Jewellers in India give lose guarantees that upon return of the jewellery, value of the metal in jewellery adjusted for workmanship costs will be redeemed. This acts as a big incentive for people to invest in jewellery as principal amount is secure. However, there is no formal guarantee mechanism to ensure the contract.
* This can be an opportunity for banks to step in, whereupon the banks can underwrite the value of the jewellery and assure full value upon jewellery redemption. Banks can extend loans to people to buy jewellery, whereby interest is charged differently for the value of the metal (lower interest rate) and higher for the loan against workmanship.
[[Image:Jewellery finance.jpg|thumb|center|600px|Cheaper loans for jewellery]]
== Idea 2 ==
== Idea 9 - Shariat Compliant products ==
[[Image:Parasoli Finance.jptjpg|thumb|center|600px|Shariat stocks index]]
[[Image:Shariat finance.jpg|thumb|center|600px|Shariat finance]]
== Idea 10 - Jewellery on loan Kitty == * Kitties are being organized as chit funds* People pay EMI's of small amounts, in a group, and then wait for purchase of a consumer product when their chance comes [[Image:Kitty.jpg|thumb|center|600px|Kitty for consumption]]
* Jewelry on loan
* Self-employed people getting credit card and loans
== Presentation ==
* [[Innovative personal finance products demo prep]]
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