+ Détails de la mission
+ Target markets (ranked by importance)
Adolescents and youth (below 18)
1
Clients living in urban areas
2
Clients living in rural areas
3
Femmes
3
+ Development goals (ranked by importance)
Habitat
1
Eau et normes sanitaires
1
Accès accru aux services financiers
1
Croissance des entreprises existantes
1
Développement d'entreprises "start-up"
1
Réduction de la pauvreté
2
Génération d'emploi
2
Amélioration de la santé
3
Egalité des sexes et autonomisation des femmes
4
Improvement of adult education
5
Opportunités pour les jeunes
6
Scolarisation des enfants
6
+ Poverty targets
Clients pauvres
+ Gouvernance
Has trained members of its board on social performance management
Dispose d'un comité officiel au sein du conseil qui surveille la performance sociale
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Microcredit for household needs/consumption
Prêts au logement
+ Savings products offered
+ Compulsory insurance products required
Janashree Bima Yojana (J.B.Y.) of Life Insurance Corporation of India
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
Child and youth education
+ Health services offered
Services médicaux de base
+ Women's empowerment services offered
Formation au leadership pour les femmes
Women's rights education/gender issues training
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
Small business loan, Livelihood Loan, Water & sanitation loan
+ Responsabilité sociale envers les clients
+ Principes de protection des clients en usage
The loan approval process requires evaluation of borrower repayment capacity and loan affordability. Loan approval does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
Internal audits check household debt exposure, lending practices that violate procedures including unauthorized re-financing, multiple borrowers or co-signers per household, and other practices that could increase indebtedness.
Productivity targets and incentive systems value portfolio quality at least as highly as other factors, such as disbursement or customer growth. Growth is rewarded only if portfolio quality is high.
Staff is trained to communicate effectively with all customers, ensuring that they understand the product, the terms of the contract, their rights and obligations. Communications techniques address literacy limitations (e.g. reading contracts out loud, materials in local languages).
Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
A mechanism to handle customer complaints is in place, has dedicated staff resources, and is actively used. (Suggestion boxes alone are generally not considered adequate.)
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
+ Coûts des services aux clients
Méthode de l'amortissement dégressif
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Transparency on salary (a clear salary scale based upon market salaries)
Benefits (medical insurance, pension contribution)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Incitations du personnel liées à la performance sociale
Inclusion des communautés rurales/isolées
Qualité de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Qualité des données sociales collectées
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
MFI Report
