+ Mission specifics
+ Target markets (ranked by importance)
Women
1
Clients living in urban areas
2
Clients living in rural areas
3
+ Development goals (ranked by importance)
Gender equality and women's empowerment
1
Poverty reduction
2
Increased access to financial services
3
Employment generation
4
Growth of existing businesses
5
Development of start-up enterprises
6
Housing
7
+ Poverty targets
Low income clients
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
Loans for agriculture
1
Loans for education
1
Housing loans
1
Other credit products offered:
1
Int ps offerothercreditloanstext c
Compra equipo como computadoras para uso de la familia, examenes medicos
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Debit/credit card
1
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
1
Business development services
1
+ Education services offered
Financial literacy education
1
Basic health/nutrition education
1
+ Health services offered
Basic medical services
1
Other health services offered:
1
Int ps nonfinsvchealthothertext c
El servicio medico que se ofrece es para el personal, pero en algunas ocasiones se hizo extensivo a personas de la comunidad
+ Women's empowerment services offered
Leadership training for women
1
Women's rights education/gender issues training
1
Counseling/legal services for female victims of violence
1
Other women's empowerment services offered:
1
Int ps nonfinsvcwomenempothertext c
Herramientas GALS
+ 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.
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.
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
Transparency on salary (a clear salary scale based upon market salaries)
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
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use
Own proxy poverty index
MFI Report
