{"id":160157,"date":"2010-12-01T00:00:00","date_gmt":"2010-12-01T00:00:00","guid":{"rendered":"https:\/\/newed.any0.dpdns.org\/en-us\/research\/msr-research-item\/managing-microfinance-with-paper-pen-and-digital-slate\/"},"modified":"2018-10-16T20:11:34","modified_gmt":"2018-10-17T03:11:34","slug":"managing-microfinance-with-paper-pen-and-digital-slate","status":"publish","type":"msr-research-item","link":"https:\/\/newed.any0.dpdns.org\/en-us\/research\/publication\/managing-microfinance-with-paper-pen-and-digital-slate\/","title":{"rendered":"Managing Microfinance with Paper, Pen and Digital Slate"},"content":{"rendered":"<div class=\"asset-content\">\n<p>India\u2019s extensive Self-Help Group (SHG) microfinance network brings formal savings and credit services to 86 million poor households. Yet, the inability to maintain high-quality records remains a persistent weakness in SHG functioning. We study this problem and present a financial record management application built on a low-cost digital slate prototype. The solution directly accepts handwritten input on ordinary paper forms and provides immediate electronic feedback. A field trial with 200 SHG members in rural India shows that the use of the digital slate solution results in shorter data recording time, fewer incorrect entries, and more complete records. The paper-pen-slate solution performs as well as, and is strongly preferred over, a purely electronic alternative. The digital slate solution is able to comfortably move between paper and digital worlds, achieving efficiency and quality gains while catering to the preferences and budgets of low-income low-literate clients.<\/p>\n<\/div>\n<p><!-- .asset-content --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>India\u2019s extensive Self-Help Group (SHG) microfinance network brings formal savings and credit services to 86 million poor households. Yet, the inability to maintain high-quality records remains a persistent weakness in SHG functioning. We study this problem and present a financial record management application built on a low-cost digital slate prototype. The solution directly accepts handwritten [&hellip;]<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"msr-url-field":"","msr-podcast-episode":"","msrModifiedDate":"","msrModifiedDateEnabled":false,"ep_exclude_from_search":false,"_classifai_error":"","msr-author-ordering":null,"msr_publishername":"IEEE","msr_publisher_other":"","msr_booktitle":"Proc. of ICTD 2010","msr_chapter":"","msr_edition":"Proc. of the 4th IEEE\/ACM Conference on Information and Communication Technologies and International Development (ICTD) 2010, London, UK, Proc. of ICTD 2010","msr_editors":"","msr_how_published":"","msr_isbn":"","msr_issue":"","msr_journal":"","msr_number":"","msr_organization":"","msr_pages_string":"","msr_page_range_start":"","msr_page_range_end":"","msr_series":"","msr_volume":"","msr_copyright":"\u00a9 2008 IEEE. Personal use of this material is permitted. However, permission to reprint\/republish this material for advertising or promotional purposes or for creating new collective works for resale or redistribution to servers or lists, or to reuse any copyrighted component of this work in other works must be obtained from the IEEE.http:\/\/www.ieee.org\/","msr_conference_name":"Proc. of the 4th IEEE\/ACM Conference on Information and Communication Technologies and International Development (ICTD) 2010, London, UK, Proc. of ICTD 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