VYESJI

The Crisis of Credit Visualized

2009-02-25T21:52:00.001-08:00

All of us heard about ongoing major crisis of credit. It became prominent in September 2008 with the failure/merger of various major US financial institutions. Everyone knew that it happened, but only few had idea what had happened and why?

A new animation from Jonathan Jarvis has used the graphic approach to explain the complexity of the subject and has done this beautifully. So if you are not familiar with the financial terms, but still want to understand the story of reason behind credit crisis that led to global recession, just watch the below video.

Credits: The Crisis of Credit Visualized from Jonathan Jarvis

Facebook: Biggest Social Network in India By 2013?

2009-02-01T07:35:00.001-08:00

Number of visitors from India for social networking site Facebook has reached more than 800,000 in January 2009, according to Google. The growth is more than 84% between January 2007 and January 2009.

Orkut is the largest social networking site in India with approximately 9 million unique visitors per month. However, it grew at 35% between January 2007 and January 2009. Orkut register users in India are 10 times of the Facebook. Indians constitutes about 30% of the unique visitors on orkut worldwide, while on Facebook, they are little over 1%.

At this rate, it will take more than 4 years for Facebook to catch up to Orkut in the India Market.

The biggest questions here are:

Can Facebook sustain the initial exponential growth?
Can Facebook catch up Orkut in India? If yes, when?

Any comments guys...?

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Local Search Market in India

2009-01-25T04:44:00.001-08:00

Local search is searching information on geographic search engine on the internet. Typically local search queries will include "what" the the site visitor is searching along with the "where" for e.g. Taj Hotel in Mumbai. About 30% of all global searches are local in nature. All of us use Google to search India specific information. It seems very logical to have India specific search engine.

Indians conducts about one billion searches every month and it seems very logical to have India specific search engine. As a result, as many as 24 search engines have been launched in India in past couple of years. Justdial.com, Guruji.com, TolMolBol.com, AskLaila.com, and Zatka.com are some of the most popular local search engines present in India. About $32 million of venture capital investment have happened in India in the search engine segment

Guruji.com has developed search engines in seven Indian vernacular languages (Hindi, Tamil, Telugu, Malayalam, Marathi, Gujrathi, and Kannada). It covers more than 40 cities providing information on private and government entities including telephone numbers, URL or any other content provided by the owner. Guruji.com also plans to host online ads in future. "Search engine based marketing in India is doubling each year, though it still constitutes only 1 per cent of the total ad spend in the country. For more on Indian Online Search market Click Here

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Pay Per Click (PPC) Keyword Pricing in India

2008-12-23T05:31:00.001-08:00

Pay Per click (PPC) is a type of internet advertising where advertiser pays when a user clicks on an advertisement to redirect to the advertiser website. PPC is used in search engines like Google, Yahoo search, Live search, etc., and various content websites

Advertisers typically bid on keyword phrases to target their relevant market through PPC. When a user types particular search query matching advertisers keyword list or views a website/webpage with relevant content, the advertisement is displayed. These ads normally appears as sponsored links, or Ads by Google or Sponsored Ads adjacent to or above search results

In India, keywords are priced anywhere between INR 2.5 and INR 2,500 (Approx. $ 50). Some of the highly bid keywords in India are

Discount hotels (INR 95.50 cost per click)
Stock Broker (INR 81.90 cost per click)
Cheap Hotels (INR 78.75 cost per click)
Flights to Mumbai (INR 72 cost per click)
MBA (INR 58.95 cost per click)
Laptop (INR 53.10 cost per click)
Cheap Flight (INR 52.65 cost per click)

Largest advertisers in India are travel sites routinely buying and deploying over three million keywords. Many individual advertisers bid on up to five keywords to ensure traffic to their sites. Currently, Naukri (along with its partner sites) is the largest advertiser online. Naukri spends about INR 9.7 Cr. per annum on online advertising

Recently Yahoo launched search engine marketing platform, the keyword 'travel' had a highest bid of INR 55. Surprisingly, 'hote' (typo of keyword 'Hotel') also had been bid, for INR 5.5!

Bottom line is "More number of bidders (or takers), higher the price"

Source: Various News Articles.

Indian Online Search Market

2008-12-20T01:05:00.001-08:00

Indian online search market is estimated at $54 million (INR 230 cr) in 2006. Out of this, approximately $16 million (INR 70 cr.) is spend by Indian advertisers targeting Indian users.There are now 70,000 advertisers targeting Indian users

Current base of web users in India is estimated to be 94 million which has grown at 44% in last two years. Indians conduct about one billion searches every month. Out of this, 308 million searches resulted in sponsored links shown and there are over 4.8 million clicks on sponsored links by Indian users every month

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Impact of Global Economic Meltdown on Microfinance

2008-12-18T10:31:00.001-08:00

Impact of global economic meltdown on microfinance[1]:

+ Impacts:

Influx of talent to the MFI space
MFI concepts being validated:

Groups vs. individual lending
Small loans, frequent repayment
High touch lending
strong credit checks vs. blind reliance on collateral

Possible establishment of credit bureaus
Opportunity to attract funds looking for uncorrelated returns to other assets

- Impacts:

Higher operating expenses due to inflation
Increase in cost of borrowing and delay disbursements
Banks demanding personal guaranties of CEOS and MFIs
Poor borrowers are also hurt by inflation

Sources:
[1] Global Meltdown and Microfinance, Unitus Capital.

Microfinance: Emerging Growth Sector in India

2008-12-18T07:14:00.001-08:00

Definition of Microfinance

Microfinance is provision of finance for the poor and low income group people. It is a type of banking service to unemployed/low-income peoples who have no access to financial services. As per world bank, there are more than 500 million people who have directly or indirectly benefited from microfinance related operations

Microfinance in India[1]

In India, Microfinance began with pilot initiative in 1992. It has expanded its reach to client base of more than 50 Million in 2008. Between 2007-2008 it has witnessed growth rate of 23%. As per world bank report potential market for microfinance in India is INR 2,40,000 Cr. ($ 55 B). Currently only INR 20,000 Cr. is under microfinance and hence there is huge opportunity for future growth in India. In 2008, India has seen impressive growth in microfinance lending, SHG (Self Help Groups) have seen steady growth of 18% over 2007, while MFIs (Microfinance Institutions) have seen vigorous growth of 40%. More and more players are entering MFI segment leading to increased competition in the sector.

Sources:
[1] State Of Microfinance, Publications, Microfinance India.

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2008-12-16T12:31:00.001-08:00

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Contact

2008-12-16T11:54:00.000-08:00

About VYESJI

2008-12-05T12:24:00.001-08:00

VYesji is business consultant based in Mumbai, India.

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