Resources

264 entries were found.

Blog Publications

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Guidelines

Imp-Act/MicroSave Strategic Planning Guidance Note

This briefing offers guidance on how to ensure that social performance is included in strategic planning processes, as well as how to address three key challenges: clarifying long-term social goals, specifying short-term social objectives, and underpinning its social intentions with appropriate measurement systems.

Case studies & Field examples

Opportunity Bank Uganda's Social Goals, Strategic Activities and Indicators

This table provides an example of how Opportunity Bank in Uganda translates social goals into strategic objectives, activities and indicators.

Guidelines

Guidelines on Outcomes Management for Financial Service Providers

Following on from the brief Making the Case for Outcomes Management to Financial Service Providers, which presented the "why" and the "what for" of outcomes management, these guidelines set out the "how": how to do outcomes management in a practical, credible, "reasonable cost" way. The guidance is founded on lessons learned from a number of financial service providers (FSPs) and other stakeholders who have experience with outcomes data collection, analysis, and reporting. The information presented here draws on best practice so far, with a focus on identifying what is necessary and useful, as well as the pitfalls to avoid.
 
Publications

Making the Case for Outcomes Management to Financial Service Providers

This brief demonstrates the why and what for of outcomes management by financial service providers (FSPs). Why is outcomes management essential for any FSP with a social mission? Specifically, how can an FSP use client outcomes data to make decisions that strengthen the FSP’s performance, both financially and socially? Understanding this will help an FSP to achieve buy-in within the organisation and encourage the board and senior management to take action.

Case studies & Field examples

Case study of KOMIDA: A Journey to Implement the Universal Standards for Social Performance Management

This case study describes Koperasi Mitra Dhuafa’s (KOMIDA) journey to improve its implementation of the Universal Standards for Social Performance Management (“Universal Standards”).

Case studies & Field examples

Ujjivan Educates Clients on the Dangers of Over-Indebtedness

Ujjivan developed a video with vignettes of 2 ficitious borrowers who become overindebted. They use this video to open discussion with clients about the risks of overindebtedness.

Case studies & Field examples

Case Study - Fondo Esperanza: Using Outcomes Data to Drive Performance

Describes Fondo Esperanza's comprehensive outcomes management system that emphasizes the collection of accurate, relevant data that are reported widely to both internal and external stakeholders.

Case studies & Field examples

Building the System for Outcomes Management--Case Study from Komida as presented to Outcomes Working Group

Details Komida's process for choosing outcomes indicators to manage, deciding how to collect the data and how to manage the data. Presented to the Outcomes Working Group in 2016.

Case studies & Field examples

Génesis Empresarial Implements Outcomes Management by Client Segment

This brief summarizes Fundación Génesis Empresarial's experience developing a client outcomes management system by client segment as presented during the SPTF Outcomes Working Group meeting 17 Jan 2018.

Publications

Benefits Diagram or Theory of Change Example for Credit and Savings Groups

Shares an example of a theory of change or benefits diagram based on the evidence of impact for credit and savings groups.

Guidelines

The Drivers for Better Outcomes: How Social and Environmental Performance Management practices can be most closely linked to better customer outcomes.

Powerpoint presentation at the 2022 European Microfinance Week featuring insights from Cerise, 60 Decibels and Oikocredit regarding aligning outcomes indicators with practices and the SDGs.

Case studies & Field examples

Outcomes Data Collection: The experience of Cashpor Micro Credit India

CASHPOR MicroCredit India shares its experience with collecting and analyzing outcomes data during a Nov 2015 Outcomes Working Group session.

Publications

Outcomes Plenary Session Notes: Exploring the connection between SEPM and client outcomes

Session notes from the 2022 Cerise+SPTF annual meeting featuring speakers from BBVA Microfinance Foundation, Cerise, 60 Decibels and Microfinanzas Rating discussing key outcomes debate questions based on evidence from the industry.

Guidelines

MFR Impact Assessment Methodology

Details the MFR impact assessment methodology which aligns with the universal outcomes indicators and SDGs as developed by the SPTF.

Webinar

Summary of Outcomes Working Group Session on Theory of Change

Summarizes presentations and discussion from the Oct 2014 outcomes working group session discussing theory of change. Shares thinking about a what a theory of change is, how it can be used, a typical theory of change for microfinance.

Webinar

Indicators of Financial Stress, Including Over-indebtedness

This document provides a summary of the February 2017 Outcomes Working Group meeting in which Grameen Foundation, Friendship Bridge and other share their experience identifying indicators of financial stress and over-indebtedness.

Webinar

Selection of Outcomes Indicators

Brief from the Outcomes Working Group in which Freedom from Hunger presents its work on developing a menu of outcomes indicators based on key themes from theories of change for financial service providers. It also shares a preliminary list of indicators development by the MCWG.

Tools & Templates

Suggested talking points on the benefits of SPM

Learn how to speak about the benefits of Social Performance Management

Case studies & Field examples

Sèvis Finansye Fonkoze SPM Commitee Charter

Example of an SPM Committee Charter with roles and responsibilities from Fonkoze in Haiti.

Case studies & Field examples

Khushhali Bank Microfinance LTD (Pakistan) Provides Board with SPM Orientation and TOR

Very brief explanation of Khushhali Bank's approach to orienting its board to its SPM responsibilities through a TOR.

Case studies & Field examples

NWTF Orients the Board on SPM

Description of how NWTF orients its board to its SPM responsibilities and social performance targets.

Case studies & Field examples

Fundacion Génesis Empresarial Reports to Board on SPM Progress

Describes Fundación Génesis Empresarial's system for reporting to its board on social performance.

Case studies & Field examples

IDEPRO (Bolivia) Takes Corrective Action and Launches PRO-CADENAS

Describes a case in which IDEPRO used social performance data to identify unmet needs and build and monitor a new program to respond to those needs.

Case studies & Field examples

Khushhali Bank Reports Using a Social Dashboard

Example of a social performance dashboard from Khushhali Bank.

Case studies & Field examples

KASHF Foundation Sets Social Performance Indicators as KPIs for Its Chief Operating Officer

Description of the social performance KPIs that KASHF Foundation set for its COO and how they did it.

Case studies & Field examples

Examples of Social Targets for Senior Managers

Sample social targets that providers might set for their senior managers.

Case studies & Field examples

CASHPOR Identifies a Social and Financial Risk

Description of how CASHPOR used negative social outcomes data to shape a reponse to reduce risk and increase impact.

Case studies & Field examples

CRECER (Bolivia) Addresses Quality in Response to Lack of Impact

Describes how CRECER took a negative client outcome finding and responded by increasing quality.

Case studies & Field examples

KASHF Foundation Monitors Risk Using Client Interviews

KASHF Foundation interivews a sample of clients to help monitor risks.

Guidelines

Social Performance Risks to Monitor

Examples of common social performance-related risks and how to monitor them.

Case studies & Field examples

FUNDESER strenghtens HR policies

Example illustrating how FUNDESER uses HR policies to highlight and prioritize staff-client relationships and staff well-being and development.

Guidelines

FINCA protects with HR policies

Examples from FINCA Peru's HR policies that show how staff rights and wellbeing are incorporated in policy.

Guidelines

Paying a Living Wage

Definition and explanation of a living wage.

Case studies & Field examples

Example Health and Safety Risks & Training Topics

Examples of health and safety risks that employees in office and field positions face and potential training topics to help mitigate them.

Guidelines

Health and Safety Guidance for 5.A.3.3.1 and 5.A.3.3.2

Guidance on the types of safety equipment and processes that should be in place to satisfy 5.A.3.3.1 and 5.A.3.3.2.

Guidelines

Guidance for USSEPM-ALIGNED HR Policies

Provides more detailed guidance on how policies should be structured to meet the USSEPM.

Guidelines

Guidance on Protection of Vulnerable Groups

Detailed guidance on protecting vulnerable groups such as children, migrants, etc.

Guidelines

Guidelines for USSEPM-ALIGNED Compensation and Benefits Policies

Provides more detailed guidance on acceptable compensation and benefits policies and practices.

Case studies & Field examples

Elements of a Job Description

Explanation and definitions of the key components of a complete job description.

Case studies & Field examples

Example of Employee Positions and Related SPM Duties

Examples of the roles and responsibilities of various positions commonly found in FSPs in supporting and managing social performance.

Case studies & Field examples

FINCA Peru Grievance Mechanism

Example of how FINCA Peru handles employee grievances.

Guidelines

Guidance for Grievance Mechanisms

Provides some key characteristics of USSEPM-aligned grievance mechanisms.

Case studies & Field examples

NRSP in Pakistan Responds to Employee Grievances

NRSP's grievance mechanism employs several good practices to  address employee concerns quickly and enhance employee satisfaction overall.

Case studies & Field examples

VisionFund and ESAF Monitor Employee Satisfaction and Understand Reasons for Staff Exit

ESAF and VisionFund Cambodia employ employee satisfaction and employee exit surveys to understand employee experience and improve retention and performance.

Guidelines

Guidance for Disaggregated Employee Satisfaction Survey and Result-Sharing

Criteria for aligning employee satisfaction and exit survey processes and practices with the USSEPM.

Case studies & Field examples

VisionFund International Recruits Local Loan Officers Using Outreach Events

Description of VisionFund International's loan officer recruitment process using outreach events to attract and selection value-aligned loan officers.

Case studies & Field examples

Al Majmoua Trains Employees on SPM Topics

Al Majmoua mixes classroom based training with field-based training to achieve greater consistency in quality of service and application of policies.

Case studies & Field examples

Finca Microfinance Bank LTD. (Pakistan) Evaluates Employees on Customer Care

Description of Finca Microfinance Bank Ltd of Pakistan's Customer Care Program and it's use of their Service Quality Assessment Tool to evaluate employees

Case studies & Field examples

Sample Loan Officer SPM Evaluation Criteria Table

Examples of typical social performance management-related responsibilities and sample criteria that can be used to evaluate performance.

Guidelines

Guidance for Adequate Training of Employees on Code of Conduct and Client Protection

Discusses key elements of code of conduct and client protection that should be emphasized during loan officer training.

Case studies & Field examples

ESAF Rewards Staff for Achieving SPM Targets

ESAF built a branch-level incentive system that incorporates social targets, SPM audit and client satisfaction metrics among other elements.

Guidelines

Essential Questions to Answer When Reviewing Your Staff Incentive System

Set of recommended questions and data sources and indicators to use to review your incentive system's alignment with social goals and USSEPM.

Case studies & Field examples

Examples of Social Variables for Incentivizing Employees

Examples of different types of indicators and criteria that can be incorporated in loan officer evaluations to integrate a social performance lens into the evaluation.

Guidelines

Social Performance Factors to Examine During Internal Audit

Examples of key areas to assess in internal audits to monitor social performance.

Case studies & Field examples

Ujjivan Incentivizes Customer Service

Description of how Ujjivan incorporates social metrics and customer care into its staff incentive system.

Case studies & Field examples

Example Incentive Structure That Balances Portfolio Growth, Size and Quality

Provides a short example of how a mid-sized provider in Peru structured their incentives to balance growth, size and quality.

Case studies & Field examples

SKS and Equitas Protect Client Data

Briefly describes SKS and Equitas' policies and protocols for handling and protecting client data.

Guidelines

Guidelines for Case Load Limits

Provides guidance on setting appropriate case load limits for group and individual loans.

Guidelines

Grameen Foundation’s Recruitment and Selection Toolkit

Grameen Foundation’s Recruitment and Selection Toolkit

Tools & Templates

MicroLoan Foundation Gender-Disaggregated Report on Employees by Position

An example of an HR reporting showing the gender breakdown employees in different positions.

Tools & Templates

MicroLoan Foundation Loan Officer Induction Training Manual 2019

Training manual developed and used by MicroLoan Foundation to on-board and training new loan officers. Includes training on values and mission of the organization as well as the functions of the loan officer job.

Case studies & Field examples

Fonkoze Defines Target Clients

Case briefly describes Fonkoze's Staircase Out of Poverty approach and how it allows them to target and match client segments to the right products and services.

Case studies & Field examples

Defining Social Goals : Guidance and an Example from Komida

This brief case provides an example of Komida's (Indonesia) social goals showing how outputs relate to desired outcomes.

Case studies & Field examples

Example of a Theory of Change: Credit & Questions Linked to Client Bussines Outcomes

A brief example of a theory of change connecting implementation strategy with client business growth outcomes and eventually poverty and vulnerability reduction.

Case studies & Field examples

How Products and Services Serve the Provider's Social Goals

Examples of how particular products and services are related to and contribute to a provider's social goals.

Guidelines

The ‘Funnel of Attrition’ and the ‘Attrition’ Factor

The ‘Funnel of Attrition’ represents the reality that not all clients use a service as intended, or continue to use a service.

Guidelines

Criteria for Outcomes Indicators

Recommendations on the qualities and characteristics that good outcomes indicators should have.

Case studies & Field examples

ASKI Selects Social Indicators for its Social Dashboard

Explains the process ASKI used to select indicators for its social dashboard.

Case studies & Field examples

KASHF Foundation Selects Social Indicators for Its Social Dashbord

Explains the process KASHF Foundation used to select indicators for its social dashboard.

Case studies & Field examples

Komida Sets Social Targets

Describes the process Komida in Indonesia used to set social goals and targets.

Guidelines

Make Your Targets S.M.A.R.T

Table summarizing the meaning of the SMART acronym and how to use it to set better social goals and targets.

Case studies & Field examples

MicroLoan Foundation (Malawi) Uses a Data Protocol

Description of the training and data protocols used by MicroLoan Foundation to ensure high quality, accurate data is collected related to client outcomes.

Case studies & Field examples

Friendship Bridge (Guatemala) Client Segmentation by Poverty Profile

Description of Friendship Bridge (Guatemala)'s segmentation of its client by poverty level.

Webinar

Summary of Outcomes Working Group Session on Fundación Paraguaya's Poverty Stoplight Tool and the TrueLift Initiative

Summarizes Fundación Paraguaya's approach to tracking client poverty outcomes through a family self-assessment tool called the Poverty Stoplight. Also shares information about the TrueLift Initiative to focus bring accountability to microfinance to contribute to poverty alleviation as a primary outcome.

Auditing resources

Basic tips for filling in Org Info

How to fill in Org. Info. in SPI Online? Basic tips for SPI users.

Auditing resources Tools & Templates

SPI Audit Terms of Reference

Sample to edit the terms of reference for external support in conducting an SPI audit.

Auditing resources Tools & Templates

SPI Audit Introduction Letter

Template of a letter to present the SPI audit to partners.

Auditing resources Tools & Templates

SPI Audit Opening Meeting Presentation

Launch the audit with an opening meeting. Feel free to adjust this presentation template.

Auditing resources Tools & Templates

SPI Audit Exit Meeting Presentation

Present preliminary findings of the audit in an exit meeting with the top management. Feel free to adjust this presentation template.

Auditing resources Guidelines

SPI Audit - Advice for ensuring quality results

Consult this document to understand how to ensure an objective and useful analysis.

Auditing resources Guidelines

SPI Audit - Guide for interviews

Use this list of questions as a guide to prepare the interviews for the SPI audit with different heads of departments.

Auditing resources Guidelines

SPI Audit - Focus groups guidelines

Guidance on using focus groups to gather feedback from staff and/or clients.

Auditing resources Tools & Templates

SPI Audit - Document and Interview Checklist


The checkist details the documents you need to consult for an assessment, suggested interviewees, interview questions, and MIS data collect.

Auditing resources

SPI Audit - Glossary

To guide you with general definitions.

Auditing resources Tools & Templates

SPI Audit Action Plan Template

The ultimate goal of an SPI audit is to improve practices. At the end of the audit, we strongly encourage providers to develop an action plan that prioritizes a realistic number of areas of improvement. See the action plan template.

Auditing resources Tools & Templates

SPI Audit Summary Report

See the summary report template of results that analyzes strengths and gaps by dimension, prioritizes areas for improvement, and identifies resources for improving practice.

Case studies & Field examples

MicroLoan Foundation Responds to Missed Outreach Targets by Reducing Barriers

Provides an example of how MicroLoan Foundation used information that it wasn't reaching its target clients to adjust product design and staff training.

Case studies & Field examples

Musoma Investigates and Addresses Causes of Over-Indebtedness

Explains the actions that Musoma took to reduce over-indebtedness when it noticed that many of its clients were selling or forfeiting assets to pay off loans.

Case studies & Field examples

Conditions that Create a Heightened Risk of Over-Indebtedness

Field example defines overindebtedness as a situation in which a client has to make sacrifices in order to pay his/her debt rather than an absolute state and provides examples of the types of market conditions that create a greater risk of overindebtedness.

Case studies & Field examples

Partner Microcredit Foundation Uses Internal Audit to Detect Risk Lending

Briefly describes Partner Microcredit's approach to detecting overindebtedness risk through its internal audit function.

Case studies & Field examples

Gatsby Microfinance LTD. Provides Transparent Loan Information

Provides an example of how Compartamos Bank communicates the code of conduct to staff and clients.

Case studies & Field examples

Communicating the Code of Conduct

Provides an example of how Compartamos Bank communicates the code of conduct to staff and clients.

Guidelines

Smart Campaign Compliance Criteria for Code of Conduct

Providers guidance on what a code needs to include and how it must be communicated and staff trained.

Case studies & Field examples

ASKI Sanctions Code of Conduct Violations

Provides an example of how ASKI addresses violations of its code of conduct in its disciplinary procedures.

Case studies & Field examples

Examples of Discriminatory Policies and Staff Behaviors

Provides examples of discriminatory behavior by staff toward clients.

Case studies & Field examples

Tujijenge Displays a Customer Service Charter

Example of Tujijenge's customer services charter which explains client rights and what they should expect from Tujijenge as well as providing contact information for complaints.

Case studies & Field examples

FINCOMUN Introduces a "Collection with Dignity" Policy

FINCOMMUN developed a "Collections with Dignity" policy. This case provides a description of their policy and the impact it has had on FINCOMMUN

Case studies & Field examples

SWADHAAR FINSERVE Code Includes Collections Procedures

Example of a collections policy used by SWADHAAR FINSERVE.

Case studies & Field examples

Sample Rescheduling Policy

Provides an example of a rescheduling policy that details how and under what conditions a client's loan may be rescheduled.

Case studies & Field examples

SKS (India) Protects Client Data

Example of a client data privacy policy from SKS.

Auditing resources Tools & Templates

Resources to assess Responsible Pricing indicators

Dimension 6 of the Universal Standards about Responsible Growth and Returns assesses responsible pricing through a combination of quantitative indicators; these indicators assess whether an FSP is in the accepted performance range for the effective interest rate, the operating expense ratio, the loan loss expense ratio and the return on assets. The following resources will help you conduct a thorough and harmonized calculation of these ratios.

Case studies & Field examples

Example Staff Responsibilities for Complaints Resolution

Example of how responsibilities for complaints resolution can be delegated to staff.

Publications

Research Indicates that Clients Are Note Informed on Complaints Mechanisms

Brief on results of a SMART Campaign study showing most clients are not aware of complaints mechanisms.

Case studies & Field examples

Yehu Microfinance Surveys Clients on Which Mecanisms to Create

Description of Yehu Microfinance's approach to designing its complaints mechanism with input from clients.

Case studies & Field examples

Example Complaint Trends and Operational or Product Improvements to Adress Complaints

Provides examples of common complaints and possible product or service improvements to address them.

Case studies & Field examples

Example Complaints Analysis Report

Provides an example of a complaint report that details not only the complaints but the channels used by clients to complain.

Case studies & Field examples

Using Client Feedback to Improve Communication

Provides 2 examples from Delta Bank Panama and Contactar Colombia for how providers have used client feedback to improve communication.

Publications

COVID-19 Client Interview Tool Data Insights and Recommendations for Funders, FSPs, and Regulators

Summarizes the findings of the surveys conducted with SPTF's COVID-19 interview tool along with the recommendations that came out of the roundtable discussion.

Guidelines

Outcomes Management for FSPs_ A proposed standard framework aligned with the SDGs

This report aims to contribute to building a framework of actionable indicators based on the SDG targets that can answer the need for a simple, credible methodology to monitor outcomes.

Publications

Outcomes Plenary Presentation: Exploring the connection between SEPM and client outcomes

Presentation from the 2022 Cerise+SPTF annual meeting featuring speakers from BBVA Microfinance Foundation, Cerise, 60 Decibels and Microfinanzas Rating discussing key outcomes debate questions based on evidence from the industry.

Guidelines

Green Inclusive Finance: A Framework for Understanding How Financial Services Can Help Low-Income and Vulnerable People Respond to Climate Change

This publication identifies the different financial products and services that can help mitigate adverse impacts on the environment, strengthen resilience against climate-related shocks, and support adaptation to climate change and transition to new livelihoods. It reviews their effectiveness in reaching these objectives, using key results from different impact studies.

Guidelines

EU Taxonomy

The EU Taxonomy establishes the technical screening criteria for determining the conditions under which an economic activity qualifies as contributing substantially to climate change mitigation or climate change adaptation and for determining whether that economic activity causes no significant harm to any of the other environmental objectives.

Guidelines

A Guide to Digitalization: Steps to Launch Digital Financial Services with a Client-Centric Approach

Guide details a client-centric approach to digitalization based on the experiences of a group of Ecuadorian providers.

Case studies & Field examples

Case Study: Fundación Espoir Bringing ‘Espoir’ (hope) to Ecuadorian Women Microentrepreneurs During COVID-19

This case study details the outcomes of gender-focused COVID-19 market research and an internal gender assessment carried out by Value for Women with Fundación Espoir in Ecuador.

Guidelines

Universal Standards Manual in English - February 2022

The complete manual of the Universal Standards for Social and Environmental Performance Management, as of February 2022.

Guidelines

Analyze Internal Factors to Inform your Growth Policy

Table provides recommendations for internal factors that should be assessed to ensure adequate capacity to support targeted growth.

Tools & Templates

Chamroeun Staff Covid-19 Impact Survey Report 2021

Survey used by Chamroeun to under the impact COVID-19 was having on its staff.

Case studies & Field examples

Chamroeun Covid-19 Impact Staff Survey Questionnaire 2021

Report produced from a Chamroeum 2021 survey to understand the impact of COVID-19 on its staff.

Guidelines

Learning from Exit Clients: SPTF Guidance Note, Issue 6

Guidance on why and how to collect and use client exit data.

Case studies & Field examples

Microfund for Women Uses Mixed Research Methods to Evaluate Microinsurance Product

Description of Microfund for Women (Jordan)'s experience using mixed research methods to evaluate and improve a microinsurance product.

Guidelines

Friendship Bridge Segments Clients to Create Personas

Describes how Friendship Bridge segmented its clients into 3 different profiles and developed personas for each.

Guidelines

Market Research Techniques Table

Provides examples of how different market research techniques can be used to understand the needs and preferences of clients and nonclients.

Case studies & Field examples

Responsible Digital Transformation - the Case of Hermandad de Honduras--English

Detailed case study of Hermandad de Honduras' process to developand test digital loan application and approval system.

Guidelines

Segmentation Variables Table

Table showing examples of general and product-specific variables that can be used to segment clients into more homogenous groupings.

Case studies & Field examples

Insights from Transactional Data

Exceprt from Outcomes Management for FSPs: A proposed standard framework aligned with the SDGs that shares insights derived from 4 financial service providers' analysis of their transactional data.

Case studies & Field examples

Example Exit Survey Questions

Short list of sample client exit survey questions.

Case studies & Field examples

Using Exit Data to Inform Product Design and Improve Operations

Provides a list of questions that can be answered from client exit data along with their implications for products and operations.

Case studies & Field examples

Ujjivan Collects Satisfaction Data Face-to-Face

Short case example of how Ujjivan in India collects client feedback in face-to-face interviews.

Guidelines

Definition of a Representative Sample

Provides a definition of a representative sample and a link to a sample size calculator.

Guidelines

Selecting a Sample Size

Provides guidance on selecting a valid sample and links to resources on sampling.

Guidelines

Collecting and Using Client Exit Data

This tool discusses how financial institutions (FIs) can design exit survey tools, collect exit data, and use them for designing and improving products and services. It explains a five-step process for developing, introducing, and using an exit survey. FIs with existing exit surveys can use the tool to rethink and strengthen their current tool. Those without an existing tool can use it to understand their options and design a tool.

Case studies & Field examples

Caso de toma de decisiones impulsada por los datos del COVID-19 en Perú COOPAC MF Prisma

Describe los resultados del estudio realizado por COOPAC Prisma (Perú) sobre el impacto de COVID-19 en sus clientes y las acciones tomadas para responder a las necesidades reveladas por el estudio.

Case studies & Field examples

Komida Uses Data-Driven Product Design

Field example showing how Komida used client data to inform product design.

Guidelines

Human-Centered Design

Brief description of the human-centered design methodology.

Case studies & Field examples

VisionFund Uganda Reduces the Barriers to Financial Inclusion Through Product Term Changes

Brief field example explaining how VisionFund Uganda modified is mix of product offerings after identifying 2 barriers to women clients accessing their products.

Case studies & Field examples

Association Base Fandima Develops a Flexible Group Lending Methodology

Brief example of how Association Base Fandima used social audit findings that it was not reaching its target clients to adapt its group lending methodology to increase accessibility to these potential clients.

Case studies & Field examples

Génesis Locates Point of Sale Devices in Client Businesses

Brief field example of how Fundación Génesis Empresarial developed its new delivery channel with client preferences in mind.

Tools & Templates

Customer Experience Toolkit Workbook

Companion workbook for the the CGAP Customer Experience Toolkit which equips organizations to create empowering customer experiences. The hands-on approach helps practitioners identify and implement a customer experience project within their organization – large or small – and advocate for it with leadership. This toolkit is the only such resource that specifically targets the financial services community with a focus on unbanked and underbanked customers.

Tools & Templates

Customer Experience Toolkit

The CGAP Customer Experience Toolkit equips organizations to create empowering customer experiences. The hands-on approach helps practitioners identify and implement a customer experience project within their organization – large or small – and advocate for it with leadership. This toolkit is the only such resource that specifically targets the financial services community with a focus on unbanked and underbanked customers.

Guidelines

Universal Standards Manual in Arabic - February 2022

الدليل الكامل للمعايير العالمية لإدارة الأداء الاجتماعي والبيئي ، اعتبارًا من فبراير 2022.

Tools & Templates

Key Facts Document Worksheet and Example

Provides a template for a good Key Facts Document as well as an example of a bad document.

Tools & Templates

Key Facts Documents for Loan Clients

Example of a key facts document to accompany the full loan documents.

Case studies & Field examples

Friendship Bridge Manages Foreign Exchange Risk

This example explains how Friendship Bridge manages its foreign exchange risk without transfering this risk to their clients.

Guidelines

Insurance Data to Asses Product Value

Table explain key ratios to measure and monitor with insurance products and explains how to interpret it.

Case studies & Field examples

Insurance Product Based on Clients Needs

Table sharing examples of different types of insurance products, the client data to be collected to design them, and features that respond to client needs.

Case studies & Field examples

Microfund for Women (Jordan) Insurance Products

Provides examples of two types of insurance--credit life and hospitalization--that MicroFund for Women in Jordan designed and offers to its clients.

Case studies & Field examples

MUSOMA Uses Savings to Help Clients Reduce Risk and Manage Anticipated Needs

A brief example of how MUSOMA in Tanzania adapted its savings product to meet client needs and promoted voluntary savings.

Case studies & Field examples

Voluntary Savings Product Design on Clients Needs

Example of the research and analysis that should be done to design a voluntary savings product that responds to client needs.

Auditing resources Publications

SPI Online Audit Tools At A Glance

A general overview of the new 7 assessment tools of SPI Online, and two-pager descriptions to download (factsheets).

Guidelines

Avoidance of Over-indebtedness: Guidelines for Financial and Non-financial Evaluation

A tool for financial service providers that want to incorporate good client protection practices into their evaluation processes for individual loan clients. Specifically, the tool provides guidelines for determining a loan applicant’s capacity and willingness to repay a loan. A careful evaluation process is critical to avoiding client overindebtedness, the situation in which a client cannot repay a loan without sacrificing his or her quality of life.

Guidelines

Smart Lending: Client Protection in the Group Loan Process--An Overview for Incorporating Client Protection Practices into

A tool for MFIs that want to incorporate good client protection practices into their group lending process. The tool is applicable to a wide range of credit methodologies, and can be adapted for use by MFIs employing village banking methodology, Grameen-style “group of groups” methodology, and other forms of group lending.

Publications

Over-indebtedness of Microborrowers in Ghana

Research details the experience of borrowers in Ghana around 2009-10--a market that had not experienced a debt crisis but where multiple FSPs were serving the same clients in the same markets. It offers a deep dive into the sacrifices borrowers were making to pay their debts.

Publications

Study on the Drivers of Over-Indebtedness of Microfinance Borrowers in Cambodia: An In-depth Investigation of Saturated Area

This study focuses on providing an in-depth understanding of the drivers of overindebtedness (OID) in selected saturated areas, which represent less than 6% of total villages in Cambodia.

Case studies & Field examples

Refinancing Policy (FUBODE, Bolivia)

Example from FUBODE Bolivia of a refinancing and rescheduling policy.

Guidelines

Smart Lending: Client Protection in the Group Lending Process: An Overview of Client Protection Practices in Group Lending for Financial Institutions

A tool for financial institutions (FIs) that want to incorporate client protection practices into their group lending process. As group lending continues to be one of the most popular methodologies for delivering financial services throughout the world, this tool should prove useful to scores of financial service providers. The tool is applicable to a wide range of credit methodologies, and can be adapted for use by FIs employing village banking methodology, Grameenstyle “group of groups” methodology, and other forms of group lending. Section I provides guidelines for FIs on group loan product design and staff training. Appropriate product design and adequate staff training do not apply to a specific phase of the group lending process, rather, they provide a foundation for client protection throughout the entire process. Section II divides the group lending process into five key phases and identifies good client protection practice for each phase. The five phases are: (1) Client Recruitment and Group Preparation, (2) Loan Application, (3) Evaluation and Loan Approval, (4) Disbursement, (5) Customer Service and Collections.

Guidelines

Transparency Policies and Procedures for Four Products

Table summarizing the requirements for disclosure and transparency for 4 core products: loans, savings, payments and insurance.

Guidelines

How to Develop an Institutional Code of Ethics

Provides step by step guidance creating a code of ethics.

Case studies & Field examples

Codes of Ethics: Examples from Fundación Paraguaya

Provides an example of a code of ethics from Fundación Paraguaya.

Case studies & Field examples

Code of Consumer Protection: Kashf Foundation

Example of a code of conduct addressing how staff behaviors should reflect organizational values and commitments.

Training sessions & Material

Illustrations and Activities for Training Loan Officers on Customers' Rights and Responsibilities (Sahayata Micro Finance, India)

Illustrated training materials developed by Sahayata Micro Finance (India) to train loan officers on how to demonstrate respect for customer rights.

Guidelines

Responsible Treatment of Clients: Practicing Non-discrimination

Provides a rationale for non-discrimination, examples of different forms of discrimination and recommendations for addressing and preventing discrimination.

Training sessions & Material

Sample slides for training staff on Code of Conduct

Template and sample slides for a staff training on a code of conduct.

Case studies & Field examples

Code of Conduct for Collections and Collections Practices for Group Loans (Swadhaar FinServe, India)

Detailed policy regarding how employees and third parties are to approach collections under different circumstances. Includes guidance for group loans.

Case studies & Field examples

Building Institutional Culture Around a Code of Ethics at Compartamos

Case describing system of training and staff mentoring that seek to ensure alignment and adherence to code of ethics among Compartamos staff even in the face of rapid growth.

Case studies & Field examples

CreditAccess Grameen Code of Conduct for Directors and Managers

This policy specifically addresses the conduct expected of directors and managers including not accepting gifts or bribes, kickbacks, confidentiality, harrassment and nondiscrimination among other things.

Guidelines

MicroLoan Foundation Code of Ethics

Comprehensive code of ethics dealing with treatment of clients as well as prohibiting receipt of gifts, bribes and other corrupt practices.

Case studies & Field examples

Leaflet for FINCA Kyrgyzstan Clients on Rights and Responsibilities

Leaflet provided to FINCA Kyrgyzstan clients that clearly explains what employees may and may not do and how clients may complain.

Case studies & Field examples

Outline for a Code of Conduct

Provides a simple outline for a Code of Conduct that can be used as a template.

Case studies & Field examples

Building Institutional Culture Around a Code of Ethics at Compartamos ARABIC كومبارتاموس: بناء ثقافةمؤسسية حول الميثاقالأخلاقي

Case describing system of training and staff mentoring that seek to ensure alignment and adherence to code of ethics among Compartamos staff even in the face of rapid growth.

Case studies & Field examples

Compartamos: Construyendo Una Cultura Institucional Alrededor De Un Codigo De Etica

Este caso describe el sistema de capacitación y mentoring del personal que busca aseguar alineamento y cumplimiento con el código de ética por el personal de Compartamos en el contexto de crecimiento rápido.

Guidelines

Analyze External Factors to Inform your Growth Policy

Table provides recommendations for different external factors to analyze, how to analyze them, and sources of information.

Case studies & Field examples

Компартамос: Создание корпоративной культуры на основе Кодекса этики Building Institutional Culture Around a Code of Ethics at Compartamos--Russian

Tools & Templates

Sample Data Privacy Agreement and Sample Privacy Agreement

Example of a privacy statement and data privacy agreement that can be adapted to local laws and norms.

Tools & Templates

Sample Consent Form for Sharing Client Data

Example of a client consent form for use of data.

Case studies & Field examples

FINCA Azerbaijan Protecting client privacy, increasing client trust

Describes FINCA Azerbaijan's client data privacy system including secure storage and protocols for physical files, data use disclosures, client consent, confidentiality requirements, staff training and digital data security protocols.

Case studies & Field examples

Customized IT at Caja Morelia Safeguards Client Data

Provides an overview of Caja Morelia's experience designing a customized IT system which, among other things, protects client data.

Case studies & Field examples

Mechanism for complaint resolution (Svasti Microfinance, India)

This document is an excerpt from a training for branch managers on the Customer Grievance Redress system for Svasti Microfinance in Inda. It includes a flowchart describing the way the complaint is handled depending on the nature and content of the complaint.

Case studies & Field examples

Responding to Client Complaints at Tameer Bank, Pakistan

Case example describing Tameer Bank's experience setting up and operating a Customer Service Unit to respond to client questions and complaints.

Tools & Templates

RICHES Toolkit, Phase 1: Risk Assessments - Evaluating Your Organization’s Risks of Harmful Work for Children and Adults

Evaluate potential risks and unintended consequences of harmful work for children (child labor) and adults within specific contexts, programs, and women’s businesses. To raise awareness and encourage action of women's economic empowerment actors to diagnose and mitigate safety and health risks within women’s businesses.

Tools & Templates

RICHES Toolkit, Phase 1: Social Performance Management Guide

Improve social performance management towards a stronger, Do No Harm approach. Through the use of this guide, WEE Actor management-level staff will have:

• Identified areas of performance improvement which demonstrate intent, commitment, and processes for mitigating the risks of potential unintended consequences of WEE programming.

• Have accessed validated survey questions that can be added to participant satisfaction, exit, or outcomes surveys to measure and monitor whether a participant is resorting to harmful coping mechanisms or experiencing the unintended consequences of WEE programming.

• Considered safeguarding and gender policy and code of conduct language that can be adopted or adapted to demonstrate organizational intent to do no harm and commitment to gender equity and equality.

Tools & Templates

Risques environnementaux et sociaux par secteur d’activité fiches sectorielles

Le site web FIRST for Sustainability propose une série de fiches sectorielles qui identifient le niveau de risques environnementaux et sociaux pour 28 secteurs clés.

Tools & Templates

Social and Environmental Management Guidance for Micro Finance Institutions - Part B. Field Guide

This practical guide published by FMO includes sector factsheets to help MFI staff identify the main social and environmental risks of 24 key sectors (eg. agriculture, fishing, restaurant, transport, handicrafts, etc.). Each factsheet also offers areas for improvement to suggest to clients.

Case studies & Field examples

Caja Morelia Valladolid Protects Client Data

Describes the system upgrades performed by Caja Morelia to increase data security and protect client data and privacy. Is drawn from a more in-depth case "Customized IT at Caja Morelia Safeguards Client Data".

Case studies & Field examples

Tameer Bank Creates a Client Complaints Mechanism

Describes how Tameer Bank set up its Customer Service Unit to respond to client questions and complaints during a deliquency crisis.

Training sessions & Material

Financial Education Trainer's Guide Financial Education for the enabling APR/EIR Program--MFTransparency

These financial education learning sessions were developed as a key activity for MicroFinance Transparency’s project called enabling Africa to Price Responsibly and Educate on Interest Rates (enabling APR/EIR Program). The goal of the Trainer’s Guide is to provide face-to-face learning sessions that allow any organization or institution – a financial institution, community-based organization, government institution, non-profit or non-governmental organization – to educate borrowers and potential borrowers about interest rates. It is especially geared towards contexts found in Africa.
Training sessions & Material

Financial Education Trainer's Guide Kit of Images--MFT Transparency

These images accompany the English version of the MFTransparency FINANCIAL EDUCATION TRAINER’S GUIDE Financial Education for the enabling APR/EIR Program--MFTransparency.

Case studies & Field examples

How Unauthorized Data Sharing Can Hurt Your Institution

Fictionalized story based on real events in India that demonstrate the risks of using client data and images without consent

Case studies & Field examples

Advertise Questions and Complaints

Example of a poster made by Attawfiq Micro-Finance (Morocco) to inform clients about how to make their complaints.

Guidelines

Using Global Data to Calculate Market Potential

Explains a method for using Global Findex data to estimate the market size.

Case studies & Field examples

Financial Service Providers in Serbia and Bosnia-Herzegovina Monitor Market Saturation and Over-indebtedness Risk

Provides 2 examples of practices financial service providers use to detect over-indebtedness and market saturation risk.

Case studies & Field examples

Incofin Defines Responsible Growth

Briefly explains how Incofin's investment strategy takes into account different definitions of "responsible growth" according to financial service provider and market conditions.

Guidelines

Detecting and Monitoring Over-indebtedness Risk in the Market

Lists signs and indicators to look for to identify if there is over-indebtedness in your portfolio or market.

Case studies & Field examples

Over-indebtedness Case Study: Bangladesh

Brief summary of the experience of the 4 largest microfinance providers in Bangladesh each individually taking action to limit growth. Though they couldn't agree on collective action, their individual actions helped avert an over-indebtedness crisis in 2008.

Publications

Assessing Responsible Pricing for Inclusive Finance Providers

This paper analyzes the validity and usefulness of the 2016 responsibility pricing analysis model and recommends some adjustments.

Publications

CGAP Occasional Paper 1 Microcredit Interest Rates

This paper provides technical guidance on setting a sustainable interest rate, calculating the effective interest rate and pricing transparency.

Tools & Templates

CP4 Companion

Tool to support calculation and analysis of key ratios to evaluate Responsible Pricing indicators.

Guidelines

Smart Microinsurance-An Overview for Microfinance Institutions on Incorporating Client Protection Practices into Microinsurance

“Smart Microinsurance” is designed specifically for microfinance institutions (MFIs) that serve as intermediaries, offering microinsurance products provided by

Guidelines

Aligning Social and Financial Expectations

This table offers a set of questions that can be used to guide exploration of an investor's alignment with the FSP's social goals. It looks at timeframe and exit expectations, social outcomes and profit expectations.

Case studies & Field examples

Equitas Micro Finance Sets Profit Policies and Aligns Management and Investor Expectation

This brief case provides an example of how Equitas has set policies regarding profits and their use and discloses these to investors at the beginning of their relationship.

Guidelines

Questions to Consider When Setting Desired Profitability Ratios and Ranges

This document offers a list questions for reflection to assist organizations with setting policies and targets around profits.

Guidelines

Components of Responsible Pricing

Graphic showing the key components over which an FSP has control and which determine its pricing.

Case studies & Field examples

Sustainability Trends

Graphs depicting the contrast between an acceptable and unacceptable operational sustainability trend.

Guidelines

Microfinance TRAPS The Microfinance Transparent Pricing Supervision Handbook

This handbook is a culmination of the learnings and knowledge that came out of from the African Microfinance Pricing Transparency Leadership Forums that were organized in Nairobi, Kenya in 2011 and 2013.  While this resource was developed essentially to provide African policy makers with policy recommendations on pricing transparency issues, it can certainly be used by a wide range of industry stakeholders. The first chapter of this handbook describes various complications of interest, while chapter two details other elements that add to and affect the true price of a loan. Chapter three explains price caps providing information on some of the theoretical approaches to price caps and  the impact of price caps on product offering.  While the first three chapters of the handbook review the effects of many pricing design options on the true price of a loan, chapter four, the last chapter of the handbook, examines how a  true price should be disclosed.

Guidelines

Manuel des Normes Universelles - Février 2022

La description complète des Normes Universelles de Gestion de la Performance Sociale et Environnementale. Version de février 2022.

Guidelines

Manual de los Estándares Universales - Febrero 2022

Manual completo de los Estándares Universales para el Desempeño Social y Ambiental.

Case studies & Field examples

La construction d’une culture institutionnelle autour d’un code de déontologie à Compartamos

Case describing system of training and staff mentoring that seek to ensure alignment and adherence to code of ethics among Compartamos staff even in the face of rapid growth.

Guidelines

Taxonomie UE

La Taxonomie UE établit les critères d’examen technique permettant de déterminer à quelles conditions une activité économique peut être considérée comme contribuant substantiellement à l’atténuation du changement climatique ou à l’adaptation à celui-ci et si cette activité économique ne cause de préjudice important à aucun des autres objectifs environnementaux.

Guidelines

Taxonomia UE

La Taxonomia UE establece los criterios técnicos de selección para determinar las condiciones en las que se considera que una actividad económica contribuye de forma sustancial a la mitigación del cambio climático o a la adaptación al mismo, y para determinar si esa actividad económica no causa un perjuicio significativo a ninguno de los demás objetivos ambientales.

Case studies & Field examples

Responsible Digital Transformation - the Case of Hermandad de Honduras--Spanish

Caso de estudio detallado sobre el proceso usado por Hermandad de Honduras para desarrollar y validar un sistema digital para la solicitud y aprobación de préstamos.

Vidéo

SPI Online Live Demo

SPI Online is a platform of resources and tools by Cerise+SPTF for impact-driven organizations to assess and improve their social and environmental performance. On February 7th, 2023, we delivered two live demo sessions, in English and French, to explore in detail the powerful features of the 7 new audit tools aligned with Universal Standards 3.0.

Tools & Templates

CreditAccess Grameen Energy Management Policy

Complementing CreditAccess Grameen ESG Policy, this document provides examples of strategic objectives that can be defined at FSP level to limit energy consumption and foster energy efficiency.

Tools & Templates

Creditaccess Grameen Environmental, Social & Governance Policy

This document shared by CreditAccess Grameen (India) provides a good example of what can be defined as an environmental policy (in addition to social and governance). It focused in particular on environmental and social risk management, waste management, energy management, procurement practices, and ESG disclosure and reporting.

Tools & Templates

CRECER IFD Bolivia: Guía de buenas prácticas medioambientales

Este guia utilizado por CRECER IFD en Bolivia proporciona una lista de buenas practicas que el personal de una institucion puede implementar para reducir su huella ecologica o impactos negativos al nivel interno, dentro de las oficinas. Las buenas practicas se relacionan al consumo de energia electrica, de combustibles, de papel, de agua, y al manejo de residuos.

Tools & Templates

FONDESURCO Perú: Manual y Política Crédito Fonde Energía

Estas hojas, extraidas del manual de crédito de Fondesurco, presentan las caracteristicas su producto financiero para acceder a tecnologías de energía renovable y eficiente.

Tools & Templates

FONDESURCO Perú: Formulario créditos verdes

Este formulario utilizado por Fondesurco en Peru constituye un documento de evaluación inicial para créditos verdes y sirve para determinar si el producto a financiar contribuirá con la protección del medio ambiente. Proporciona una lista de preguntas/criterios para 4 tipos de actividades: agricultura, ganadería y lechería, turismo y comercio.

Tools & Templates

FONDESURCO Perú: Informe del comité ambiental

Este informe compartido por Fondesurco (Peru) presenta de qué manera la institucion integra la dimension ambiental en su vision y su estrategia, y cuales actividades se implementaron en el 2021 o se planifican para alcanzar estos objectivos ambientales (gestion ambiental interna, créditos verdes, créditos FondeEnergía, capacitaciones en buenas prácticas agrícolas, etc.). Es un buen ejemplo de como una institucion puede monitorear y comunicar sobre sus esfuerzos en términos de gestion de desempeño ambiental.

Case studies & Field examples

Assilassimé Togo: Environmental Performance Management in Practice #1

This article illustrates how Assilassimé, en Togo, implements Environmental Performance Management in practice, with a particular focus on sustainable agriculture and access to energy.

Case studies & Field examples

Assilassimé Togo: Gestion de performance environnementale en pratique #1

Cet article illustre de quelle manière Assilassimé Solidarité, au Togo, met en œuvre sa gestion de la Performance Environnementale, avec un focus particulier sur l'agriculture durable et les énergies renouvelables.

Case studies & Field examples

Assilassimé Togo: Gestión del desempeño ambiental en práctica #1

Este articulo muestra como Assilassimé, en Togo, implementa la Gestión del Desempeño Ambiental en práctica, con un enfoque particular en la agricultura sostenible y las energias renovables.

Tools & Templates

Pautas de gestión social y ambiental para instituciones de microfinanzas--Parte B Guía de campo

Esta guía práctica incluye hojas informativas sectoriales para ayudar al personal de la IMF a identificar los principales riesgos sociales y ambientales de 24 sectores clave (por ejemplo, agricultura, pesca, restaurantes, transporte, artesanías, etc.). Cada hoja informativa también ofrece áreas de mejora para sugerir a los clientes.

Tools & Templates

ESAF Green Protocol

This document is used by ESAF Small Finance Bank in India to raise staff's awareness of its environmental policy and good practices to be implemented at head office and branch level to reduce its adverse impacts on the environment.

Tools & Templates

ESAF Green Protocol Audit Scorecard

This document is used by ESAF Small Finance Bank in India to monitor the performance of its branches in terms of reduction of adverse impacts on the environment and promotion of eco-friendly practices. The checklist is used to audit branches every year and provide them with a score on their green performance. Awards are provided to best performing branches.

Case studies & Field examples

Environmental and Social Management (ESM) Procedure

This document is a good example of procedures defined by a FSP to identify and manage the adverse environmental impacts of the activities financed (client-level adverse impacts). The document specifies key objectives, responsibilities and steps, from screening against the exclusion list, to E&S risk categorization, decision-making, and monitoring.

Tools & Templates

First Microfinance Bank Pakistan Climate Risk Management Framework

This document shared by First MicroFinance Bank Pakistan is a good example of framework defining the key climate risks to which an FSP can be exposed and their impacts, and possible mitigation strategies (pre/during/post disaster), such as: climate risk mapping at branch level, clients' vulnerabilities assessment, portfolio diversification, additional provision reserve, disaster fund, awareness-raising, dedicated financial products, etc.

Case studies & Field examples

CRECER IFD Bolivia: Environmental Performance Management in Practice #4

This article illustrates how CRECER IFD, in Bolivia, implements Environmental Performance Management in practice, with a particular focus on conducting a carbon audit and building an environmentally responsible corporate culture.

Case studies & Field examples

CRECER IFD Bolivie: Gestion de performance environnementale en pratique #4

Cet article illustre de quelle manière CRECER IFD, en Bolivie, met en œuvre sa gestion de la Performance Environnementale, avec un focus particulier sur l'évaluation de son empreinte carbone et la création d'une culture d'entreprise autour des sujets environnementaux.

Case studies & Field examples

CRECER IFD Bolivia: Gestión del desempeño ambiental en práctica #4

Este articulo muestra como CRECER IFD, en Bolivia, implementa la Gestión del Desempeño Ambiental en práctica, con un enfoque particular en la evaluacion de su huella carbono y la creacion de une cultura de empresa responsable frente al medio ambiente.

Case studies & Field examples

UBTEC Burkina Faso: Environmental Performance Management in Practice #2

This article illustrates how UBTEC, in Burkina Faso, implements Environmental Performance Management in practice, with a particular focus on assessing and promoting agroecological practices.

Case studies & Field examples

UBTEC Burkina Faso: Gestion de performance environnementale en pratique #2

Cet article illustre de quelle manière UBTEC, au Burkina Faso, met en œuvre sa gestion de la Performance Environnementale, avec un focus particulier sur l'évaluation et la promotion de pratiques agroécologiques.

Case studies & Field examples

UBTEC Burkina Faso: Gestion del desempeño ambiental en práctica #2

Este articulo muestra como UBTEC, en Burkina Faso, implementa la Gestión del Desempeño Ambiental en práctica, con un enfoque particular en la evaluacion y promocion de practicas agroecologicas.

Case studies & Field examples

Endatamweel Tunisia: Environmental Performance Management in Practice #3

This article illustrates how Enda Tamweel, in Tunisia, implements Environmental Performance Management in practice, with a particular focus on offering green financial products for waste management and renewable energy.

Case studies & Field examples

Endatamweel Tunisie: Gestion de performance environnementale en pratique #3

Cet article illustre de quelle manière Enda Tamweel, en Tunisie, met en œuvre sa gestion de la Performance Environnementale, avec un focus particulier sur l'offre de produits financiers verts pour la gestion des déchets et les énergies renouvelables.

Case studies & Field examples

Endatamweel Túnez: Gestión del desempeño ambiental en práctica #3

Este articulo muestra como Enda Tamweel, en Tunez, implementa la Gestión del Desempeño Ambiental en práctica, con un enfoque particular en la provision de productos financieros verdes para el manejo de desechos y las energias renovables.

Publications

Green inclusive finance - Status, trends and opportunities

This publication by Enclude summarizes the latest thinking about the role of Green Inclusive Finance, the state-of-affairs (as of 2015), and emerging trends.

Case studies & Field examples

European Dialogue - 5th European Microfinance Award - Microfinance and the Environment

This publication presents ten initiatives from FSPs in the field of green inclusive finance. A variety of actions are presented: adoption of an environmental strategy, management of direct and indirect environmental impacts, financial and non-financial products for renewable energy, energy efficiency, sustainable agriculture, water and sanitation, etc. These initiatives were all shortlisted for the 2014 European Microfinance Award.

Case studies & Field examples

DID Reference Framework - Environment

This document looks at the types of risks incurred by financial institutions that ignore environmental concerns, and offers social and environmental management mechanisms to address these risks, based on the experience of DID.

Case studies & Field examples

12 Steps to Resiliency - A Guidebook on Disaster Risk Reduction and Business Continuity Planning for Microfinance Institutions

This guidebook, published by Oikocredit and ASKI, is designed to assist MFIs in improving their capacity towards preparedness, resilience and sustainability in the face of increasing vulnerability to disasters. The guidebook provides easy to follow and practical steps that will help the MFIs in developing their own Disaster Risk Reduction and Management Plan as well as Business Continuity Plan.

Case studies & Field examples

Adapting to a New Normal - Strengthening Resilience to Climate Change: Best Practices from the European Microfinance Award 2019

This publication presents the factors of success that distinguish ten initiatives from FSPs aiming at strengthening resilience to climate change (at client, staff and institution level). These initiatives were all shortlisted for the 2019 European Microfinance Award.

Guidelines

Access to finance for Renewable Energy technologies - How to do

This note, published by IFAD, provides guidance on how to develop financial services for access to renewable energy technologies in rural areas. It focuses on end-user finance for individual/stand-alone RE solutions for rural households, smallholder farmers, and rural micro, small and medium enterprises. The note provides specific recommendations to FSPs for financial product design and project implementation.

Case studies & Field examples

Access to finance for Renewable Energy technologies - Lessons learned

This note, published by IFAD, synthesizes the lessons learned worldwide in inclusive rural finance projects focused on access to renewable energy technologies.

Guidelines

Renewable Energy & Energy Efficient Products Catalogue

This series of fact sheets, developed by the GICSF Action Group, presents 14 Renewable Energy or Energy Efficient devices for poor households and microentrepreneurs that can be financed through microfinance products. Each fact sheet describes the selected option, its ease of distribution, installation and maintenance, the required costs to be financed, and its benefits for end-users, MFIs and the environment.

Case studies & Field examples

CAMIDE Environmental Charter

Dans le cadre de son programme Aliniha, CAMIDE-PASECAS donnait à chacune de ses clientes une carte de membre sur laquelle figurait une Charte détaillant les droits et les engagements des bénéficiaires, notamment en matière environnementale. Cette Charte est un bon exemple d'incitation au changement de pratiques à travers l'auto-engagement.

Tools & Templates

Environmental and Social Management Policy Template

Template for an environmental and social management policy.

Guidelines

Environmental and Social Management Systems for Financial Institutions: A Primer

Describes the components of an environmental and social management system for financial institution and the purpose of those components.

Tools & Templates

UBTEC Identification des pratiques agroécologiques

Cette grille d'identification des pratiques agroécologiques permet d'évaluer le niveau d'adoption de pratiques plus écologiques par les clients de prêts agricoles. Il s'agit d'un outil en phase de test, adapté au contexte d'intervention spécifique de l'UBTEC (au Burkina Faso).

Tools & Templates

Creditaccess Grameen Environmental and Social Management Policy

This policy shared by CreditAccess Grameen is a good example of how an environmental and social risk management system can be set. It illustrates how E&S risk management shall be integrated into current procedures and tools, at all stages of the loan appraisal and management process. It covers the various dimensions of an ESMS, including exclusion list, E&S risk categorization and monitoring, and training and awareness-raising.

Tools & Templates

Creditaccess Grameen Waste Management Policy

Complementing CreditAccess Grameen ESG Policy, this document provides examples of strategic objectives that can be defined at FSP level to limit waste production and ensure appropriate waste management.

Tools & Templates

RENACA Politique environnementale et sociale

Ce document partagé par le RENACA-Bénin est un bon exemple de politique environnementale et de stratégie environnementale adaptées aux enjeux d'une institution de microfinance. Il présente notamment les axes stratégiques retenus, les principaux risques auxquels ils répondent, et propose une liste de bonnes pratiques pour gérer l'empreinte interne de l'institution.

Case studies & Field examples

RENACA Produits financiers d'accès à l'énergie solaire

Ces fiches synoptiques présentent les caractéristiques des 3 produits financiers d'accès à l'énergie solaire proposés par le RENACA : pour usage domestiques, en pay-as-you-go, et pour usage productif.

Case studies & Field examples

ACLEDA-Environmental and Social Sustainability Report

This annual report published by ACLEDA Bank in Cambodia is a good example of how an institution tracks on a regular basis the adverse impacts of its internal activities on the environment, in terms of paper usage, energy consumption, water, business travel and CO2 emissions.

Case studies & Field examples

ASSILASSIME Plan d'actions en environnement

Assilassime Togo's action plan is an example of how a financial service provider can plan to manage and reduce both internal and external environmental risks and impacts.

Case studies & Field examples

Stratégie Environnementale de ASSILASSIME Solidarité

Assilassime Togo created an environmental strategic plan to guide their environemental sustainability efforts. The plan addresses the linkage to the vision and mission, internal and external environmental risk and impact reduction and solutions for sustainability.

Tools & Templates

Fiche de poste Charge du Developpement des Services Sociaux et Point Focal Environnement d'Assilassimé Solidarité

Example of a job description for an environmental focal point. Combines these functions with other social mission and social responsibility functions.

Tools & Templates

Note de positionnement d'ASSILASSIME Solidarité sur l'environnement et le climat

Cette note formalise les engagements d’Assilassimé Solidarité autour des enjeux environnementaux et climatiques. C’est un document ressource officiel et stratégique.

 

Learning Series

SPM Essentials Series 2021-2022

In 2021-22, in coordination with the release of the Universal Standards 3.0, Cerise+SPTF created a webinar series called "SPM Essentials". This series presents practical guidance on how to implement the Universal Standards. Each webinar features interviews with practitioners on how they are managing their social and environmental performance, including lessons learned from what has worked and what did not.

Learning Series

SPM Essentials Webinar #1

Use what you have. Discovering client insights in your existing data.

Learning Series

SPM Essentials Webinar #2

Practical ways to address gender-related risks at your organization.

Learning Series

SPM Essentials Webinar #3

Learn how to use client feedback to inform product design.

Learning Series

SPM Essentials Webinar #4

Learn about the responsible use of profits.

Learning Series

SPM Essentials Webinar #5

Practical ways to listen to employees as a business strategy.

Learning Series

SPM Essentials Webinar #6

Learn how you can develop your employee capacity to achieve your social mission.

Learning Series

SPM Essentials Webinar #7

Practical guidance to help your employees adapt to digital transformation.

Learning Series

SPM Essentials Webinar #8

How to overcome the barriers and biases that affect female staff and clients.