Fiona Yang

speaker

268 appearances 1 recordings 1 series first heard Jul 2026 last heard 20 Jul

Fiona Yang’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.

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Merryn Talks Money · Is Asia's AI Boom Creating the Next Investment Bubble? · 20 Jul 2026 podcast

They basically serve to, say, the truck drivers, helping them to get a second, give them a loan to get a secondhand truck.

They also help the small businesses, giving them some working capital loan and etc.

So the business has thrived over the past years because of the underpenetration of the formal banking sector in the rural area of India.

they can really serve the underserved.

And it can grow in the market because of the income of the average people would go up.

They want to take up the formal jobs.

They want to open their own small businesses.

And Sriram will be there helping them with a vast network across the country and their personal relationship of their loan officer with the end customer, something the formal banking sector just cannot really address to.

And what impressed me this time around when I met them, they actually have MUFG, one of the biggest Japanese financial companies, investing a huge chunk into Sriram.

That means that the credit rating for Sriram can really improve on the back of a big parent company.

And at the same time, with the cheap capital support from the MUFG, they can really see their funding costs to go down substantially in the years to come.

So we are talking about a business can be supercharged for growth, leveraging to the growth of the Indian economy, at the same time enjoying this expanding margin because of the lower funding costs.

And it's still trading at a reasonable valuation as compared to the index, as compared to their peer group.

So this is exactly the kind of thing active fund manager like myself try to do.

Going to market, okay, it's expensive, but I mean, there are no good company to invest in.

Yeah, exactly.

So the angle that I go in with the consumer stock, also looking at the Chinese consumption trend over the past decades, is really which other digital companies can cater to that.

So I visited a lot of the e-commerce as well as digital internet companies in India, trying catering to this rising middle income class.

So one of the company I visited is Misho, being one of the leading e-commerce company in India.

But again, it's a valuation.

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