Ampliando la capacitación a la cadena de valor

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Ampliando la capacitación a la cadena de valor

BrazilUberlândia, Brazil
Resumen del Proyecto
Presentación del Proyecto!

Resumen conciso: Ayúdenos a presentar esta solución! Proporcione una explicación en 3 o 4 frases cortas.

Como Director de RR.HH., dirijo la capacitación para Tribanco, el brazo financiero de Martins Group, uno de los más grandes distribuidores en Brasil. Ofrecemos a los clientes productos publicitarios, servicios financieros, soluciones de gestión (tecnología) y capacitación específica para la venta al por menor.

About Project

Problema: ¿Qué problema está tratando de abordar este proyecto?

Access to financial services remains a major barrier to the majority Brazilians, including entrepreneurs who start micro, small and medium enterprises (MSMEs). Brazil is one of the least “banked” middle-income countries, with only 64% of the economically active population able to access banking services. More specifically, the financing gap limits MSME retailers’ ability to get credit to purchase goods or reinvest in the stores, and limits their individual customers’ ability to use checks or credit cards to buy groceries. Finally,MSME retailers’ lack educational and business training, limiting their opportunities to grow their businesses.

Solución: cuál es la solución propuesta? Por favor sé específico!

We have developed a suite of training products to support MSME retailers operating small, family-owned stores – this is our unique solution. This is in addition to providing working capital and store renovation loans. We created a training “center of excellence” called UMV (Universidade Martins do Varejo - Martins Retail University). In 2012, UMV trained 1,365 retailers in-person and 1,833 through the web. We train our employees on retail management, credit risk analysis, and they in turn train retailers on how to access credit and assess customer credit worthiness to receive Tricard, which is a private-label credit card to be use at a specific store. In addition, together with IFC, we funded a module on the “Conscious Use of Credit” available to our MSME retail clients.
Impact: How does it Work

Ejemplo: Guíenos a través de un ejemplo/s específico/s de cómo esta solución hace la diferencia; incluya sus actividades principales.

Tribanco’s success is derived from the close relationship and understanding of its retailers. Tribanco proactively visits the majority of the towns Martin Groups distributes in and identifies the most entrepreneurial of the small store owners. Tribanco then partners with them providing loans, training and other services to help them grow. Training is predominately offered through e-learning on-line, in addition to visits, regional meetings and face-to-face training. Tribanco employs mixed training models to address the needs and geographic constraints of the retailers. In some instance, training is tied to performance incentives, such a retailers earning points based on their purchases, which can be redeemed for free training through UMV. Tribanco loan officers also provide credit training to store personnel, enabling them to extend credit to their end customers through Tricard, a private label card.
Sustentabilidad

Mercado: ¿Quién mas está abordando el problema aquí descrito ? ¿Cómo difiere el proyecto propuesto de esos enfoques?

In Brazil, there are banks such as Banco do Brasil and Caixa Econômica Federal that provide financing to MSMEs. However, they are public sector banks and therefore subject to different regulatory conditions, for example, concerning spreads, funding, products, taxes and so on. There are no other direct competitors to Grupo Martins/Tribanco, since other wholesalers do not provide the full suite of solutions to MSME retailers that integrate credit – both short and long term – as well as extensive training options.
Equipo

Historia fundacional

The founder of Grupo Martins, Alair Martins, helped his uncle run a small shop while a teenager. When he opened his own, he felt that distributors did not pay attention to him. Eventually, he started a distribution company catering to small retailers. The business model is based on helping the most promising entrepreneurs grow. In 1990, Tribanco was created to help these MSME retailers with financial products. My “aha” moment came when a newly arrived manager proposed that “small shops don’t give much profit margin so they should be dropped.” I thought to myself: “that’s the heart of our operation and our future!” Luckily, Tribanco senior management did not accept this proposal and we continue to grow small retail shops into solid businesses.
Sobre ti
Sobre ti
Nombre

Aparecida

Cuéntanos sobre tí/sobre tu equipo

I am the Human Resources Director at Tribanco, the financial arm of the Martins Group. I hold degrees in Languages, People Management and an MBA. I joined Martins in 1989; moved to Tribanco in 2000, and then quickly progressed to become a project assistant, project manager, HR supervisor and finally HR Director. I am a board member of Instituto Alair Martins, a non-profit social affiliate. Our corporate mission is to grow small retail shops into solid businesses! Our corporate culture is highly entrepreneurial. Our founder, Alair Martins, started as a small retailer himself.

¿Qué te hace un intraemprendedor? Cuáles son las habilidades, capacidades y rasgos personales que te hacen un intraemprendedor?

Typically, the HR department is responsible for training and developing its staff. I had a vision that Tribanco’s HR should also train and develop our clients – the small mom-and-pop retail shops. By investing in their development, we enable these small retailers to succeed, ultimately helping the Martins Group achieve its mission. From an early stage, I championed this idea internally, which ultimately led to the development of a retailer training program. It took persistence and dedication to do so, and required refocusing resources for longer-term results. As an intrapreneur, I brought impactful changes to our business from the inside.

Sobre tu organización
País de la Empresa

, MG, Uberlândia

Principal país en el cual este proyecto está creando impacto social
Países o regiones adicionales
Industria

Finanzas, Seguros, Bienes Raíces

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Innovación
Selecciona la fase que describa mejor el momento en el que se encuentra tu emprendimiento

Expansión (el siguiente paso será crear un impacto a escala regional o incluso mundial)

La Solución: ¿Por qué es innovadora la solución para tu compañía e industria?

We flipped the wholesaler business on its head. Typically, wholesalers do not provide training to retailers. We established a competitive advantage versus other wholesalers by differentiating our value proposition to retailers and developing long-term relationships. Retailers are better able to serve their customers, the majority of which are lower income individuals living at the base of the economic pyramid, which helps them increase earnings and grow.

Impacto
¿Cuál ha sido el impacto de la solución hasta la fecha?

We have delivered training to over 302,000 retailers from more than 92,000 stores throughout Brazil, often located in poorer rural or urban areas. More than 14,000 retailers received store renovation loans and another 800 technology upgrade loans. Tribanco now serves 37,083 MSMEs with credit and financial services - enhancing profitability, long-term survival, and growth for these retailers. Finally, more than 2.5 million credit cards are being actively used by individual customers at 9,000 retail outlets. This provides the working poor with a way to smooth irregular cashflows over the short term and promote greater financial inclusion in the long term. Since Tricard is often an individual’s first credit card ever, consumers can build credit histories and access greater financial services in the future.

¿Cuál es tu impacto proyectado en los próximos 3 años?

We will continue training retailers, aiming to reach at least 20% of our base of clients by 2015. We plan to provide credit and financial services to 60,000 of stores, and increase use of Tricard to 4 million active users at 13,000 outlets by 2015. We will roll out new financial products to retailers and their customers. In 2009 we launched an insurance product and have issued 62,000 insurance policies to low-income customers. In 2012 we launched a hybrid card that customers can use in multiple neighbourhood stores, rather than the private label card that can only be used in one specific store.

¿Qué barreras pueden dificultar el éxito de tu proyecto? ¿Cómo planean superarlas?

One barrier that may hinder the success of our project is that retailers do not grow as quickly as expected, in which case we will deploy additional training or financing (for example for store renovations) to them. Another barrier is the use of technology and connectivity in remote locations since much of training content is accessed via the internet. To address this, we utilize multiple formats for training including in-person and other electronic formats.

Sostenibilidad
¿Cuál es el beneficio o valor que estás generando para el/los negocio/s?

Tribanco has enabled Martins Group to dif¬ferentiate itself from large retailers and maintain its market position as one of the largest distributors in Latin America. Martins and Tribanco now have a competitive advantage by offering a holistic package for retailers including loans, training, and shop-specific private label credit cards for individual customers

¿Cómo estás impulsando recursos internos (fondos, tiempo, concimiento, etc.) para sostener esta iniciativa?

Tribanco has a team of five people dedicated to training and development and we count on several external consultants depending on the specific expertise we need. UMV uses the same strategy, mixing internal and external teams. Nowadays, we are self-funded and support all the internal investments. We are connected to some educational institutions, NGOs and knowledge groups in order to exchange, share and acquire new ideas, such as: Fundação Dom Cabral, Instituto Ethos, IFC, Febraban, Instituto Akatu, among others.

Amplía tu respuesta, explicando el plan de financiación y sostenimiento a largo plazo.

Tribanco has received $35 million of investment from IFC over the last 8 years. At the time of the first loan, we received $200,000 as a technical assistance matching grant from IFC, to develop financial training modules. In addition, we jointly worked on content for the “Conscious Use of Credit” modules developed by the Brazilian NGO Akatu pelo Consumo Consciente. Once the program was launched in 2007, 100% of Tribanco´s employees took the 9 modules through our web site Form@r. In addition, more than 330 clients have freely accessed these courses.

Cuéntanos sobre tus asociados, dentro de tu empresa y por fuera, que sean claves para el éxito de tu proceso.

The partnership between Martins Group and Tribanco is essential. Martins Group understands the retail business and which retailers have the potential to grow. This knowledge feeds into Tribanco to help identify which retailers to work with and what the trainings should focus on. Another key partner is IFC, who provided funding and helped increased training capabilities and improve UMV’s curriculum.

¿Qué apoyo interno has tenido para tu proyecto? Qué tipos de retrocesos has sufrido?

Alair Martins (founder of Martins) and his son Juscelino Martins (Tribanco’s Chairman) are deeply committed to developing MSME retailers. They understand the importance of establishing a strong relationship with our retail clients to help them succeed. If they do not succeed then neither do we – and thus UMV (2013 budget is estimated in R$2.2Million), was created to achieve this goal.