+ Mission specifics
+ Target markets (ranked by importance)
Clients living in rural areas
1
Clients living in urban areas
2
Other target market:
3
Int msg targetmothertext c
Poor Farmers
+ Development goals (ranked by importance)
Growth of existing businesses
1
+ Poverty targets
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
Loans for agriculture
1
Loans for education
1
Housing loans
1
Other credit products offered:
1
Int ps offerothercreditloanstext c
Health care loans
+ Savings products offered
Capital build up
+ Compulsory insurance products required
Compulsory credit life insurance
1
Compulsory agricultural insurance
1
+ Voluntary insurance products offered
Voluntary life insurance
1
Voluntary health insurance
1
+ Other financial products and services offered
+ 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
Child and youth education
1
Other education services offered:
1
Int ps nonfinsvcedothertext c
disaster preparedness; breast care education
+ Health services offered
+ Women's empowerment services offered
Leadership training for women
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
Flat 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
Ability to attract new clients from target market
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use
Per capita household expenditure
1
Per capita household income
MFI Report
