+ Mission specifics
+ Target markets (ranked by importance)
Women
1
Clients living in urban areas
2
+ Development goals (ranked by importance)
Increased access to financial services
1
Gender equality and women's empowerment
2
Growth of existing businesses
3
Poverty reduction
4
+ Poverty targets
Low income clients
1
+ Governance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
1
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Fixed term deposits
Special purpose savings accounts
+ Compulsory insurance products required
Other compulsory insurance required:
1
Int ps offerinsuranceothertextcompulsory c
invalidité et décès
+ Voluntary insurance products offered
+ Other financial products and services offered
Mobile banking services
1
Savings facilitation services
Remittances services
1
+ Non-financial services offered
+ Enterprise services offered
Business development services
1
+ Education services offered
Financial literacy education
1
+ Health services offered
+ Women's empowerment services offered
Leadership training for women
1
+ Products and services targeting the poor
+ Social responsibility to clients
+ Client protection principles in use
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.
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.
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
+ Cost of services to clients
Flat interest method
+ Social responsibility to staff
+ Human resources
Benefits (medical insurance, pension contribution)
+ Basis of staff incentives related to social performance
Portfolio quality
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
+ Poverty measurement tools in use