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Gentera: Beyond Microcredit SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

Case Study SWOT Analysis Solution

Case Study Description of Gentera: Beyond Microcredit


Gentera, whose largest subsidiary is Compartamos Banco, has been a fantastically successful endeavor since it started in the 1990s. But in 2014, Gentera faces challenges in expanding beyond group-lending and micro-credit into microfinance and beyond in order to fulfill its mission of financial inclusion.

Authors :: Rajiv Lal, Lisa Mazzanti

Topics :: Sales & Marketing

Tags :: , SWOT Analysis, SWOT Matrix, TOWS, Weighted SWOT Analysis

Swot Analysis of "Gentera: Beyond Microcredit" written by Rajiv Lal, Lisa Mazzanti includes – strengths weakness that are internal strategic factors of the organization, and opportunities and threats that Gentera Fantastically facing as an external strategic factors. Some of the topics covered in Gentera: Beyond Microcredit case study are - Strategic Management Strategies, and Sales & Marketing.


Some of the macro environment factors that can be used to understand the Gentera: Beyond Microcredit casestudy better are - – supply chains are disrupted by pandemic , increasing energy prices, there is backlash against globalization, increasing commodity prices, customer relationship management is fast transforming because of increasing concerns over data privacy, wage bills are increasing, competitive advantages are harder to sustain because of technology dispersion, increasing inequality as vast percentage of new income is going to the top 1%, technology disruption, etc



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Introduction to SWOT Analysis of Gentera: Beyond Microcredit


SWOT stands for an organization’s Strengths, Weaknesses, Opportunities and Threats . At Oak Spring University , we believe that protagonist in Gentera: Beyond Microcredit case study can use SWOT analysis as a strategic management tool to assess the current internal strengths and weaknesses of the Gentera Fantastically, and to figure out the opportunities and threats in the macro environment – technological, environmental, political, economic, social, demographic, etc in which Gentera Fantastically operates in.

According to Harvard Business Review, 75% of the managers use SWOT analysis for various purposes such as – evaluating current scenario, strategic planning, new venture feasibility, personal growth goals, new market entry, Go To market strategies, portfolio management and strategic trade-off assessment, organizational restructuring, etc.




SWOT Objectives / Importance of SWOT Analysis and SWOT Matrix


SWOT analysis of Gentera: Beyond Microcredit can be done for the following purposes –
1. Strategic planning using facts provided in Gentera: Beyond Microcredit case study
2. Improving business portfolio management of Gentera Fantastically
3. Assessing feasibility of the new initiative in Sales & Marketing field.
4. Making a Sales & Marketing topic specific business decision
5. Set goals for the organization
6. Organizational restructuring of Gentera Fantastically




Strengths Gentera: Beyond Microcredit | Internal Strategic Factors
What are Strengths in SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

The strengths of Gentera Fantastically in Gentera: Beyond Microcredit Harvard Business Review case study are -

Ability to recruit top talent

– Gentera Fantastically is one of the leading recruiters in the industry. Managers in the Gentera: Beyond Microcredit are in a position to attract the best talent available. The firm has a robust talent identification program that helps in identifying the brightest.

Superior customer experience

– The customer experience strategy of Gentera Fantastically in the segment is based on four key concepts – personalization, simplification of complex needs, prompt response, and continuous engagement.

Innovation driven organization

– Gentera Fantastically is one of the most innovative firm in sector. Manager in Gentera: Beyond Microcredit Harvard Business Review case study can use Clayton Christensen Disruptive Innovation strategies to further increase the scale of innovtions in the organization.

High brand equity

– Gentera Fantastically has strong brand awareness and brand recognition among both - the exiting customers and potential new customers. Strong brand equity has enabled Gentera Fantastically to keep acquiring new customers and building profitable relationship with both the new and loyal customers.

Ability to lead change in Sales & Marketing field

– Gentera Fantastically is one of the leading players in its industry. Over the years it has not only transformed the business landscape in its segment but also across the whole industry. The ability to lead change has enabled Gentera Fantastically in – penetrating new markets, reaching out to new customers, and providing different value propositions to different customers in the international markets.

Training and development

– Gentera Fantastically has one of the best training and development program in the industry. The effectiveness of the training programs can be measured in Gentera: Beyond Microcredit Harvard Business Review case study by analyzing – employees retention, in-house promotion, loyalty, new venture initiation, lack of conflict, and high level of both employees and customer engagement.

Successful track record of launching new products

– Gentera Fantastically has launched numerous new products in last few years, keeping in mind evolving customer preferences and competitive pressures. Gentera Fantastically has effective processes in place that helps in exploring new product needs, doing quick pilot testing, and then launching the products quickly using its extensive distribution network.

High switching costs

– The high switching costs that Gentera Fantastically has built up over years in its products and services combo offer has resulted in high retention of customers, lower marketing costs, and greater ability of the firm to focus on its customers.

Effective Research and Development (R&D)

– Gentera Fantastically has innovation driven culture where significant part of the revenues are spent on the research and development activities. This has resulted in, as mentioned in case study Gentera: Beyond Microcredit - staying ahead in the industry in terms of – new product launches, superior customer experience, highly competitive pricing strategies, and great returns to the shareholders.

Strong track record of project management

– Gentera Fantastically is known for sticking to its project targets. This enables the firm to manage – time, project costs, and have sustainable margins on the projects.

Diverse revenue streams

– Gentera Fantastically is present in almost all the verticals within the industry. This has provided firm in Gentera: Beyond Microcredit case study a diverse revenue stream that has helped it to survive disruptions such as global pandemic in Covid-19, financial disruption of 2008, and supply chain disruption of 2021.

Organizational Resilience of Gentera Fantastically

– The covid-19 pandemic has put organizational resilience at the centre of everthing that Gentera Fantastically does. Organizational resilience comprises - Financial Resilience, Operational Resilience, Technological Resilience, Organizational Resilience, Business Model Resilience, and Reputation Resilience.






Weaknesses Gentera: Beyond Microcredit | Internal Strategic Factors
What are Weaknesses in SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

The weaknesses of Gentera: Beyond Microcredit are -

Aligning sales with marketing

– It come across in the case study Gentera: Beyond Microcredit that the firm needs to have more collaboration between its sales team and marketing team. Sales professionals in the industry have deep experience in developing customer relationships. Marketing department in the case Gentera: Beyond Microcredit can leverage the sales team experience to cultivate customer relationships as Gentera Fantastically is planning to shift buying processes online.

Low market penetration in new markets

– Outside its home market of Gentera Fantastically, firm in the HBR case study Gentera: Beyond Microcredit needs to spend more promotional, marketing, and advertising efforts to penetrate international markets.

Need for greater diversity

– Gentera Fantastically has taken concrete steps on diversity, equity, and inclusion. But the efforts so far has resulted in limited success. It needs to expand the recruitment and selection process to hire more people from the minorities and underprivileged background.

High operating costs

– Compare to the competitors, firm in the HBR case study Gentera: Beyond Microcredit has high operating costs in the. This can be harder to sustain given the new emerging competition from nimble players who are using technology to attract Gentera Fantastically 's lucrative customers.

Slow to strategic competitive environment developments

– As Gentera: Beyond Microcredit HBR case study mentions - Gentera Fantastically takes time to assess the upcoming competitions. This has led to missing out on atleast 2-3 big opportunities in the industry in last five years.

Lack of clear differentiation of Gentera Fantastically products

– To increase the profitability and margins on the products, Gentera Fantastically needs to provide more differentiated products than what it is currently offering in the marketplace.

Interest costs

– Compare to the competition, Gentera Fantastically has borrowed money from the capital market at higher rates. It needs to restructure the interest payment and costs so that it can compete better and improve profitability.

Skills based hiring

– The stress on hiring functional specialists at Gentera Fantastically has created an environment where the organization is dominated by functional specialists rather than management generalist. This has resulted into product oriented approach rather than marketing oriented approach or consumers oriented approach.

High bargaining power of channel partners

– Because of the regulatory requirements, Rajiv Lal, Lisa Mazzanti suggests that, Gentera Fantastically is facing high bargaining power of the channel partners. So far it has not able to streamline the operations to reduce the bargaining power of the value chain partners in the industry.

High dependence on existing supply chain

– The disruption in the global supply chains because of the Covid-19 pandemic and blockage of the Suez Canal illustrated the fragile nature of Gentera Fantastically supply chain. Even after few cautionary changes mentioned in the HBR case study - Gentera: Beyond Microcredit, it is still heavily dependent upon the existing supply chain. The existing supply chain though brings in cost efficiencies but it has left Gentera Fantastically vulnerable to further global disruptions in South East Asia.

Workers concerns about automation

– As automation is fast increasing in the segment, Gentera Fantastically needs to come up with a strategy to reduce the workers concern regarding automation. Without a clear strategy, it could lead to disruption and uncertainty within the organization.




Opportunities Gentera: Beyond Microcredit | External Strategic Factors
What are Opportunities in the SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis


The opportunities highlighted in the Harvard Business Review case study Gentera: Beyond Microcredit are -

Identify volunteer opportunities

– Covid-19 has impacted working population in two ways – it has led to people soul searching about their professional choices, resulting in mass resignation. Secondly it has encouraged people to do things that they are passionate about. This has opened opportunities for businesses to build volunteer oriented socially driven projects. Gentera Fantastically can explore opportunities that can attract volunteers and are consistent with its mission and vision.

Finding new ways to collaborate

– Covid-19 has not only transformed business models of companies in Sales & Marketing industry, but it has also influenced the consumer preferences. Gentera Fantastically can tie-up with other value chain partners to explore new opportunities regarding meeting customer demands and building a rewarding and engaging relationship.

Increase in government spending

– As the United States and other governments are increasing social spending and infrastructure spending to build economies post Covid-19, Gentera Fantastically can use these opportunities to build new business models that can help the communities that Gentera Fantastically operates in. Secondly it can use opportunities from government spending in Sales & Marketing sector.

Remote work and new talent hiring opportunities

– The widespread usage of remote working technologies during Covid-19 has opened opportunities for Gentera Fantastically to expand its talent hiring zone. According to McKinsey Global Institute, 20% of the high end workforce in fields such as finance, information technology, can continously work from remote local post Covid-19. This presents a really great opportunity for Gentera Fantastically to hire the very best people irrespective of their geographical location.

Manufacturing automation

– Gentera Fantastically can use the latest technology developments to improve its manufacturing and designing process in Sales & Marketing segment. It can use CAD and 3D printing to build a quick prototype and pilot testing products. It can leverage automation using machine learning and artificial intelligence to do faster production at lowers costs, and it can leverage the growth in satellite and tracking technologies to improve inventory management, transportation, and shipping.

Building a culture of innovation

– managers at Gentera Fantastically can make experimentation a productive activity and build a culture of innovation using approaches such as – mining transaction data, A/B testing of websites and selling platforms, engaging potential customers over various needs, and building on small ideas in the Sales & Marketing segment.

Use of Bitcoin and other crypto currencies for transactions

– The popularity of Bitcoin and other crypto currencies as asset class and medium of transaction has opened new opportunities for Gentera Fantastically in the consumer business. Now Gentera Fantastically can target international markets with far fewer capital restrictions requirements than the existing system.

Harnessing reconfiguration of the global supply chains

– As the trade war between US and China heats up in the coming years, Gentera Fantastically can build a diversified supply chain model across various countries in - South East Asia, India, and other parts of the world. This reconfiguration of global supply chain can help, as suggested in case study, Gentera: Beyond Microcredit, to buy more products closer to the markets, and it can leverage its size and influence to get better deal from the local markets.

Loyalty marketing

– Gentera Fantastically has focused on building a highly responsive customer relationship management platform. This platform is built on in-house data and driven by analytics and artificial intelligence. The customer analytics can help the organization to fine tune its loyalty marketing efforts, increase the wallet share of the organization, reduce wastage on mainstream advertising spending, build better pricing strategies using personalization, etc.

Creating value in data economy

– The success of analytics program of Gentera Fantastically has opened avenues for new revenue streams for the organization in the industry. This can help Gentera Fantastically to build a more holistic ecosystem as suggested in the Gentera: Beyond Microcredit case study. Gentera Fantastically can build new products and services such as - data insight services, data privacy related products, data based consulting services, etc.

Buying journey improvements

– Gentera Fantastically can improve the customer journey of consumers in the industry by using analytics and artificial intelligence. Gentera: Beyond Microcredit suggest that firm can provide automated chats to help consumers solve their own problems, provide online suggestions to get maximum out of the products and services, and help consumers to build a community where they can interact with each other to develop new features and uses.

Reforming the budgeting process

- By establishing new metrics that will be used to evaluate both existing and potential projects Gentera Fantastically can not only reduce the costs of the project but also help it in integrating the projects with other processes within the organization.

Learning at scale

– Online learning technologies has now opened space for Gentera Fantastically to conduct training and development for its employees across the world. This will result in not only reducing the cost of training but also help employees in different part of the world to integrate with the headquarter work culture, ethos, and standards.




Threats Gentera: Beyond Microcredit External Strategic Factors
What are Threats in the SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis


The threats mentioned in the HBR case study Gentera: Beyond Microcredit are -

Learning curve for new practices

– As the technology based on artificial intelligence and machine learning platform is getting complex, as highlighted in case study Gentera: Beyond Microcredit, Gentera Fantastically may face longer learning curve for training and development of existing employees. This can open space for more nimble competitors in the field of Sales & Marketing .

Trade war between China and United States

– The trade war between two of the biggest economies can hugely impact the opportunities for Gentera Fantastically in the Sales & Marketing industry. The Sales & Marketing industry is already at various protected from local competition in China, with the rise of trade war the protection levels may go up. This presents a clear threat of current business model in Chinese market.

Aging population

– As the populations of most advanced economies are aging, it will lead to high social security costs, higher savings among population, and lower demand for goods and services in the economy. The household savings in US, France, UK, Germany, and Japan are growing faster than predicted because of uncertainty caused by pandemic.

Technology disruption because of hacks, piracy etc

– The colonial pipeline illustrated, how vulnerable modern organization are to international hackers, miscreants, and disruptors. The cyber security interruption, data leaks, etc can seriously jeopardize the future growth of the organization.

Capital market disruption

– During the Covid-19, Dow Jones has touched record high. The valuations of a number of companies are way beyond their existing business model potential. This can lead to capital market correction which can put a number of suppliers, collaborators, value chain partners in great financial difficulty. It will directly impact the business of Gentera Fantastically.

Stagnating economy with rate increase

– Gentera Fantastically can face lack of demand in the market place because of Fed actions to reduce inflation. This can lead to sluggish growth in the economy, lower demands, lower investments, higher borrowing costs, and consolidation in the field.

Technology acceleration in Forth Industrial Revolution

– Gentera Fantastically has witnessed rapid integration of technology during Covid-19 in the Sales & Marketing industry. As one of the leading players in the industry, Gentera Fantastically needs to keep up with the evolution of technology in the Sales & Marketing sector. According to Mckinsey study top managers believe that the adoption of technology in operations, communications is 20-25 times faster than what they planned in the beginning of 2019.

Easy access to finance

– Easy access to finance in Sales & Marketing field will also reduce the barriers to entry in the industry, thus putting downward pressure on the prices because of increasing competition. Gentera Fantastically can utilize it by borrowing at lower rates and invest it into research and development, capital expenditure to fortify its core competitive advantage.

Environmental challenges

– Gentera Fantastically needs to have a robust strategy against the disruptions arising from climate change and energy requirements. EU has identified it as key priority area and spending 30% of its 880 billion Euros European post Covid-19 recovery funds on green technology. Gentera Fantastically can take advantage of this fund but it will also bring new competitors in the Sales & Marketing industry.

Increasing wage structure of Gentera Fantastically

– Post Covid-19 there is a sharp increase in the wages especially in the jobs that require interaction with people. The increasing wages can put downward pressure on the margins of Gentera Fantastically.

Barriers of entry lowering

– As technology is more democratized, the barriers to entry in the industry are lowering. It can presents Gentera Fantastically with greater competitive threats in the near to medium future. Secondly it will also put downward pressure on pricing throughout the sector.

Shortening product life cycle

– it is one of the major threat that Gentera Fantastically is facing in Sales & Marketing sector. It can lead to higher research and development costs, higher marketing expenses, lower customer loyalty, etc.

High level of anxiety and lack of motivation

– the Great Resignation in United States is the sign of broader dissatisfaction among the workforce in United States. Gentera Fantastically needs to understand the core reasons impacting the Sales & Marketing industry. This will help it in building a better workplace.




Weighted SWOT Analysis of Gentera: Beyond Microcredit Template, Example


Not all factors mentioned under the Strengths, Weakness, Opportunities, and Threats quadrants in the SWOT Analysis are equal. Managers in the HBR case study Gentera: Beyond Microcredit needs to zero down on the relative importance of each factor mentioned in the Strengths, Weakness, Opportunities, and Threats quadrants. We can provide the relative importance to each factor by assigning relative weights. Weighted SWOT analysis process is a three stage process –

First stage for doing weighted SWOT analysis of the case study Gentera: Beyond Microcredit is to rank the strengths and weaknesses of the organization. This will help you to assess the most important strengths and weaknesses of the firm and which one of the strengths and weaknesses mentioned in the initial lists are marginal and can be left out.

Second stage for conducting weighted SWOT analysis of the Harvard case study Gentera: Beyond Microcredit is to give probabilities to the external strategic factors thus better understanding the opportunities and threats arising out of macro environment changes and developments.

Third stage of constructing weighted SWOT analysis of Gentera: Beyond Microcredit is to provide strategic recommendations includes – joining likelihood of external strategic factors such as opportunities and threats to the internal strategic factors – strengths and weaknesses. You should start with external factors as they will provide the direction of the overall industry. Secondly by joining probabilities with internal strategic factors can help the company not only strategic fit but also the most probably strategic trade-off that Gentera Fantastically needs to make to build a sustainable competitive advantage.



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