+ Mission specifics
+ Target markets (ranked by importance)
Clients living in rural areas
1
Women
1
Other target market:
2
Clients living in urban areas
3
Int msg targetmothertext c
HIV/AIDS, disabled, child labored, widowed, etc.
+ Development goals (ranked by importance)
Water and sanitation
1
Poverty reduction
1
Children's schooling
1
Health improvement
1
Gender equality and women's empowerment
2
Increased access to financial services
3
Development of start-up enterprises
4
Employment generation
4
Growth of existing businesses
4
+ Poverty targets
Very poor clients
1
Poor clients
1
Low income clients
1
+ Governance
Has trained members of its board on social performance management
Has a formal board committee that monitors social performance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
1
Microcredit for household needs/consumption
1
Loans for agriculture
1
Loans for education
1
Other credit products offered:
1
Int ps offerothercreditloanstext c
Social loans, such as solar energy loan, WATSAN loan, express/emergency loan, staff motorbike loan, etc.
+ Savings products offered
Fixed term deposits
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary credit life insurance
1
Other voluntary insurance offered:
1
Int ps othertextvol c
Currently piloting health and disability insurance
+ Other financial products and services offered
Remittances services
1
Money exchange facility
+ Non-financial services offered
+ Enterprise services offered
Other enterprise services offered:
1
Int ps nonfinsvcenterpriseothertext c
Business and enterprising key advices and messages
+ Education services offered
Financial literacy education
1
Basic health/nutrition education
1
+ Health services offered
Other health services offered:
1
Int ps nonfinsvchealthothertext c
Basic healthcare and illness prevention
+ Women's empowerment services offered
Other women's empowerment services offered:
1
Int ps nonfinsvcwomenempothertext c
Promoting women's empowerment
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
Loan for agriculture & small business, loan for water filters, latrines, solar energy, express/emergency, micro life insurance, financial & health education, linkage to partner NGOs to receive non-financial services such as food & water security, etc.
+ 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.
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
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
Outreach to remote/rural communities
Outreach to women
Quality of interaction with clients based on client feedback mechanisms
Quality of social data collected
Client retention/drop-out rate
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
This institution identifies enterprises with environmental risk
Organic farming, composting, loan for water filters, latrines, solar energy, etc.
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)
Using PWR with partners
MFI Report
