+ Mission specifics
+ Target markets (ranked by importance)
Clients living in rural areas
1
Women
2
Adolescents and youth (below 18)
3
Other target market:
4
Clients living in urban areas
5
Int msg targetmothertext c
Persons with Disability / IP
+ Development goals (ranked by importance)
Poverty reduction
1
Increased access to financial services
2
Employment generation
3
Development of start-up enterprises
4
Improvement of adult education
5
Growth of existing businesses
6
Housing
7
Youth opportunities
8
Gender equality and women's empowerment
9
Children's schooling
10
Health improvement
11
Water and sanitation
12
Other development objective:
13
Int msg devobjothertext c
Advocacies in protecting the environment.
+ Poverty targets
Very poor clients
1
Poor clients
1
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
Microcredit loans for microenterprises
1
Microcredit for household needs/consumption
1
SME loans
Loans for agriculture
1
Loans for education
1
Housing loans
1
Other credit products offered:
1
Int ps offerothercreditloanstext c
Micro Solar Energy.
+ Savings products offered
Voluntary savings accounts
Fixed term deposits
Special purpose savings accounts
ATM Savings Account.
+ Compulsory insurance products required
Compulsory credit life insurance
1
Compulsory agricultural insurance
1
Other compulsory insurance required:
1
Int ps offerinsuranceothertextcompulsory c
MMAF In-house.
+ Voluntary insurance products offered
Voluntary credit life insurance
1
Voluntary life insurance
1
Voluntary house insurance
1
Voluntary agricultural insurance
1
Voluntary health insurance
1
Voluntary workplace insurance
1
Other voluntary insurance offered:
1
Int ps othertextvol c
Non-life Insurances.
+ Other financial products and services offered
Mobile banking services
1
Savings facilitation services
Remittances services
1
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
1
Business development services
1
Other enterprise services offered:
1
Int ps nonfinsvcenterpriseothertext c
Advertising and Promotions / Bagsakan Center (Showroom).
+ Education services offered
Financial literacy education
1
Basic health/nutrition education
1
Child and youth education
1
Occupational safety and health in the workplace education
1
Other education services offered:
1
Int ps nonfinsvcedothertext c
Skills Development.
+ Health services offered
Other health services offered:
1
Int ps nonfinsvchealthothertext c
Medical Mission and Outreach.
+ 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
+ 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.
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
+ 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)
Retirement Policy.
+ Basis of staff incentives related to social performance
In the process of developing incentive policy and guidelines.
+ 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
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)
MFI Report
