+ Détails de la mission
+ Target markets (ranked by importance)
Femmes
1
Clients living in rural areas
2
Clients living in urban areas
3
+ Development goals (ranked by importance)
Réduction de la pauvreté
1
Egalité des sexes et autonomisation des femmes
2
Croissance des entreprises existantes
3
Génération d'emploi
4
Opportunités pour les jeunes
5
Développement d'entreprises "start-up"
6
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management
+ 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 agricoles
Prêts d'éducation
Microcredit loans to the clients through groups for income generating activities
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary credit life insurance
Voluntary life insurance
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
Child and youth education
+ Health services offered
+ 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:
+ 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.
Prices, terms and conditions of all financial products are fully disclosed to the customer prior to sale, including interest charges, insurance premiums, minimum balances, all fees, penalties, linked products, third party fees, and whether these can change over time.
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 du taux constant
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Protection au travail (sécurité, anti-harcèlement)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Inclusion des communautés rurales/isolées
Inclusion des femmes
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)
MFI Report
