+ Mission specifics
+ Target markets (ranked by importance)
Other target market:
1
Clients living in urban areas
2
Women
3
Clients living in rural areas
4
Adolescents and youth (below 18)
5
Int msg targetmothertext c
Sector MIPYME
+ Development goals (ranked by importance)
Employment generation
1
Growth of existing businesses
2
Gender equality and women's empowerment
3
Increased access to financial services
4
Poverty reduction
5
Housing
6
Youth opportunities
7
Development of start-up enterprises
8
Health improvement
9
Children's schooling
10
Water and sanitation
11
Improvement of adult education
12
+ Poverty targets
Low income clients
1
No specific poverty target
1
+ Governance
Has trained members of its board on social performance management
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
1
Microcredit for household needs/consumption
1
SME loans
Loans for agriculture
1
Housing loans
1
Other credit products offered:
1
Int ps offerothercreditloanstext c
Transporte, consumo y comercio
+ Savings products offered
Checking accounts
Voluntary savings accounts
Fixed term deposits
+ Compulsory insurance products required
Compulsory credit life insurance
1
+ Voluntary insurance products offered
+ Other financial products and services offered
Debit/credit card
1
Savings facilitation services
Remittances services
1
Tranferencias, venta de divisas y pago de servicios públicos.
+ Non-financial services offered
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
+ 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.
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.
+ Cost of services to clients
Declining balance interest method
+ Social responsibility to staff
+ Human resources
Benefits (medical insurance, pension contribution)
Protection at work (safety, anti-harassment)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Outreach to women
Portfolio quality
Colocacion de TD, recuperacion de Credito, productividad, bajo porcentaje de mora
+ Social responsibility to the environment
+ Poverty measurement tools in use
MFI Report
