Microfinance

Types of product or service.

Describe product or service (such as education loans, checking accounts, credit life insurance, etc.).

Select the types of financial services delivery methodologies used:

Individual Lending
Solidarity Group Lending
Village Banking
Self Help Group Banking
Other

Percentage of services provided through an individual lending.

Percentage of services provided through  solidarity group lending.

Percentage of services provided through village banking.

Percentage of services provided through self help group banking.

Percentage of services provided through other banking methodologies.

Average size of loan dispersed to end user through individual lending practices.

Average size of loan dispersed to end users through Solidarity Group Lending practices.

Average size of loan dispersed to end users through village banking practices.

Average size of loan dispersed to end users through Self Help Group Banking practices.

Average size of loan dispersed to end user through Other practices

Which types of non-financial services do your institution offer to its clients (select all that apply):

Enterprise Services
Adult Education
Health Services
Women Empowerment

Select the types of enterprise services provided:

Enterprise Skills Development
Business Development Service
Other

Select the types of adult education services provided:

Financial Literacy
Basic Health / Nutrition Education
Other

Select the types of health services provided:

Basic Medical Services
Special Medical Services for Women and Children
Other

Select the types of women empowerment services provided

Does your institution offer any non-financial services that it provides directly or through negotiated partnerships / agreements with third-party providers?

Did any of your staff participate in training or orientation sessions related to any aspect of social performance management, during the reporting period?

Which staff have received some kind of training on social performance management during the reporting period?

In which areas related to social performance does your institution offer staff training?

Does your institution conduct performance appraisals of staff in relation to social performance management?

For organizations that conduct performance appraisals in relation to social performance management, which areas does your institution appraise?

Does your institution have in place a staff incentives scheme related to social performance goals?

For organizations that incent staff through social performance goals, which areas does your institution reward?

Which staff members qualify for these incentives?

Does your institution usemarket research to identify the needs of clients and potential clients?

For organizations that conduct market rsearch to identify client needs, how does your institution identify those needs?

How often does your institution conduct or commission market research on clients ?

Total number of clients, or individuals, served (including those who have not yet borrowed or are in between loans).

Total number of female clients served (including those who have not yet borrowed or are in between loans).

Total number of active clients.

Total number of active borrowers.

Total number of active voluntary savers.

Total number of new clients over the reporting period.

Percentage of clients that are no longer receiving services from the organization

How often does your institution conduct or commission exit surveys or receive informal feedback from exiting clients?

Regularly
Annually
Semi-annually
Bi-annually
Occasionally from time-to-time
Never
Planning to Start

Percentage of active clients that are women.

Percentage of active clients with loan insurance.

Do you have a formal policy for client protection with mechanisms to ensure compliance?

Select the methods by which your institution seeks to avoid client over-indebtedness

How does your institution ensure transparent communication with clients about prices, terms and conditions of financial products?

How doe syour institution ensure that appropriate collections practices are followed

Does your institution have policies and procedures in place for complaint resolution and client problem solving

How does your institution ensure staff ethical codes of conduct are consistently followed

How does the institution safeguard privacy of clients’ data

Do you have mechanisms for client feedback and / or to assess client satisfaction?

How does your institution state the interest rate?

Declining balance method
Flat interest method

Rate that a client actually pays on the loan received.

Calculation: Number of Active Borrowers / Number of Loan Officers

Total value of financial portfolio products, including loans and investments in investees.

Ratio of voluntary deposits to gross loan portfolio.

Total value of voluntary deposit and time deposit accounts

Ratio of operating expense to loan portfolio.

Ratio of personnel expense to loan portfolio.

Calculation: Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Adjusted Gross Loan Portfolio.

Calculation: Outstanding balance, portfolio overdue > 90 Days + renegotiated portfolio / Adjusted Gross Loan Portfolio

Total value of loans written off.

People self-employed (including family members) in financed enterprise.

Hired workers (non-household) in financed enterprise.

Number of clients that have been trained in basic business skills through training programs.