Resources

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.

Imp-Act/MicroSave Strategic Planning Guidance Note

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

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 Study - Fondo Esperanza: Using Outcomes Data to Drive Performance

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.

Génesis Empresarial Implements Client Outcomes Management by Client Segment

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.

The Drivers for Better Outcomes: How Social and Environmental Performance Management practices

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.

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

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.

Summary of Outcomes Working Group Session on Theory of Change

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.

Selection of Outcomes Indicators

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

Sèvis Finansye Fonkoze SPM Commitee Charter

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

NWTF Orients the Board on SPM

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.

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

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

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

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

CASHPOR Identifies a Social and Financial Risk

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

KASHF Foundation Monitors Risk Using Client Interviews

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

FUNDESER Strengthens HR Policies

Definition and explanation of a living wage.

Paying a Living Wage

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.

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

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

Guidance on Protection of Vulnerable Groups

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

Elements of a Job Description

Example of how FINCA Peru handles employee grievances.

Finca Peru Grievance Mechanism

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

NRSP in Pakistan Responds to Employee Grievances

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

Guidance for Disaggregated Employee Satisfaction Survey and Results-Sharing

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

Al Majmoua Trains Employees on SPM Topics

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

Sample Loan Officer SPM Evaluation Criteria Table

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

ESAF Rewards Staff for Achieving SPM Targets

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.

Examples of Social Variables for Incentivizing Employees

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

Ujjivan Incentivizes Customer Services

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

SKS and Equitas Protect Client Data

Grameen Foundation’s Recruitment and Selection Toolkit

Grameen Foundation's Recruitment and Selection Toolkit

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.

MicroLoan Foundation Loan Officer Induction Training Manual 2019

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

Defining Social Goals : Guidance and an Example from Komida

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

How Products and Services Serve the Provider's Social Goals

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

Criteria for Outcomes Indicators

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

KASHF Foundation Selects Social Indicators for Its Social Dashbord

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

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

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

Friendship Bridge (Guatemala) Client Segmentation by Poverty Profile

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

SPI Audit - Org Info Basic Tips

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

Template for SPI Audit Introduction Letter

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

Template for SPI Audit Exit Meeting

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

SPI Audit - Guide for interviews (English only)

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

SPI Audit - Checklist

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.

Template for SPI Audit Action Plan

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

MicroLoan Foundation Responds to Missed Outreach Targets by Reducing Barriers

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.

Conditions that Create a Heightened Risk of Over-Indebtedness

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

Gatsby Microfinance LTD. Provides Transparent Loan Information

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

Smart Campaign Compliance Criteria for Code of Conduct

Provides examples of discriminatory behavior by staff toward clients.

Examples of Discriminatory Policies and Staff Behaviors

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

FINCOMUN Introduces a "Collection with Dignity" Policy

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

Sample Rescheduling Policy

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.

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

Research Indicates that Clients Are Note Informed on Complaints Mechanisms

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

Example Complaint Trends and Operational or Product Improvements to Adress Complaints

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

Using Client Feedback to Improve Communication

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.

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

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.

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

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

A Guide to Digitalization

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

USSEPM English Manual - Feb. 2022

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

Chamroeun Staff Covid-19 Impact Survey Report

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

Learning from Exit Clients: SPTF Guidance Note, Issue 6

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

Friendship Bridge Segments Clients to Create Personas

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

Responsible Digital Transformation - the case of Hermandad de Honduras in English

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.

Insights from Transactional Data

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

Using Exit Data to Inform Product Design and Improve Operations

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

Definition of a Representative Sample

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.

Collecting and Using Client Exit Data

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

Komida Uses Data-Driven Product Design

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

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

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

Génesis Locates Point of Sale Devices in Client Businesses

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.

Customer Experience Toolkit

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

Key Facts Document Worksheet and Example

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

Friendship Bridge Manages Foreign Exchange Risk

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.

Insurance Product Based on Clients Needs

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

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

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

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.

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

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.

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

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.

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

Provides step by step guidance creating a code of ethics.

How to Develop an Institutional Code of Ethics

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

Code of Consumer Protection: Kashf Foundation

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

Responsible Treatment of Clients: Practicing Non-discrimination

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

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

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.

CreditAccess Grameen Code of Conduct for Directors and Managers

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

Leaflet for FINCA Kyrgyzstan Clients on Rights and Responsibilities

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.

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

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

Analyze External Factors to Inform your Growth Policy

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

Sample Data Privacy Agreement and Sample Privacy Agreement

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.

FINCA Azerbaijan Protecting client privacy, increasing client trust

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.

Mechanism for complaint resolution (Svasti Microfinance, India)

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.

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

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.

Risques environnementaux et sociaux par secteur d’activité fiches sectorielles

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".

Caja Morelia Valladolid Protects Client Data

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

How Unauthorized Data Sharing Can Hurt Your Institution

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

Using Global Data to Calculate Market Potentital

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

Incofin Defines Responsible Growth

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.

Over-indebtedness Case Study Bangladesh

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

CGAP Occasional Paper 1 Microcredit Interest Rates

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

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

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.

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

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

Components of Responsible Pricing

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.

Microfinance TRAPS The Microfinance Transparent Pricing Supervision Handbook

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

USSEPM Spanish Manual - Feb. 2022

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.

Taxonomie UE

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.

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

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.

CreditAccess Grameen Energy Management Policy

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.

CRECER IFD Bolivia: Guía de buenas prácticas medioambientales

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.

FONDESURCO Perú: Formulario créditos verdes

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

Assilassimé Togo: Environmental Performance Management in Practice #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.

Assilassimé Togo: Gestión del desempeño ambiental en práctica #1

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.

ESAF Green Protocol

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.

Environmental and Social Management (ESM) Procedure

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.

CRECER IFD Bolivia: Environmental Performance Management in Practice #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.

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

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.

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

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.

Endatamweel Tunisia: Environmental Performance Management in Practice #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.

Endatamweel Túnez: Gestión del desempeño ambiental en práctica #3

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.

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

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.

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

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.

Access to finance for Renewable Energy technologies - How to do

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.

Renewable Energy & Energy Efficient Products Catalogue

Template for an environmental and social management policy.

Environmental and Social Management Policy Template

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).

UBTEC Identification des pratiques agroécologiques

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.

Creditaccess Grameen Waste Management Policy

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.

RENACA Produits financiers d'accès à l'énergie solaire

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.

ASSILASSIME Plan d'actions en environnement

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

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

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.

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

Learn about the responsible use of profits.

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