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["Library code","SPI5 Full code","Label","Universal Standards (version 2022)","SPI4 Code","SPI4 Text","ESG risk","ESG in 3 dim (E, S, G)","ALINUS","SPI5 Entry","CP COMMIT","CP FULL","CP code","CP LEVEL","PAI/SFDR","Activities","2023-11-01"]
["QL_1",1,"Dimension","Dimension 1: Social Strategy",1,null,"x","G","x","x","","","",""]
["QL_2","1.A","Standard","The provider has a strategy to achieve its social goals.","1.A","The provider has a strategy to achieve its social goals.","x","G","x","x","","","",""]
["QL_3","1.A.1","EP","The strategy specifies the provider's target clients, social goals, and how the provider will achieve those goals.","1.A.4","The provider's strategy articulates how its products, services and delivery channels will achieve its social goals.","x","G","x","x","","","",""]
["QL_4","1.A.1.1","Indicator","The strategy defines the demographic and socioeconomic characteristics of target clients.","1.A.2.1","The strategy includes the specific characteristics of target clients:",null,null,"x","x","","","",""]
["QL_5","1.A.1.2","Indicator","The strategy identifies the benefits that the provider seeks to create for clients, such as:\n- providing access to the previously excluded\n- reducing vulnerability to shocks\n- building assets / Investing in economic opportunities\n- creating jobs","1.A.4.1","The provider's strategy specifies how its products, services and delivery channels will:",null,null,null,"x","","","",""]
["QL_6","1.A.1.3","Indicator","The strategy describes how the provider's products and services create positive change for clients.",null,"",{"$nulls":4},"","","",""]
["QL_7","1.A.1.4","Indicator","The provider defines a “do no harm” strategy that articulates how it will mitigate the social risks connected to the use of its products and services:","","","x","G","x","x","","","","","1.11"]
["QL_8","1.A.1.4.1","Detail","Negative effects on clients and their households","","","x","G","x","x","","","","","1.11"]
["QL_9","1.A.1.4.2","Detail","Human rights violations","","","x","G","x","x","","","","","1.11/3.9"]
["QL_10","1.A.1.4.3","Detail","Corruption and bribery","","","x","G","x","x","","","","","1.11/3.15"]
["QL_11","1.A.2","EP","The strategy defines indicators and targets to measure the provider's progress toward social goals.","1.A.3","The provider's strategy defines social goals, targets, and indicators to measure progress.",null,null,"x","x","","","",""]
["QL_12","1.A.2.1","Indicator","The provider has at least one measurable indicator for each social goal.","1.A.3.3","The provider has at least one measurable indicator for each social goal. ",null,null,"x","x","","","",""]
["QL_13","1.A.2.2","Indicator","The provider has at least one measurable output and/or outcome target for each social goal.","1.A.3.2","The provider defines output and/or outcome targets that correspond to its social goals.",{"$nulls":4},"","","",""]
["QL_14","1.B","Standard","The provider collects, analyzes, and reports data that are specific to its social goals.","1.B","The provider collects and discloses accurate client data specific to its social goals.",null,null,"x","x","","","",""]
["QL_15","1.B.1","EP","The provider collects data on outcomes for clients and their households.","1.B.1","The provider has a management information system and protocols for social performance data. ",null,null,"x","x","","","",""]
["QL_16","1.B.1.1","Indicator","The provider has protocols for social performance data collection that identify who collects the data, how, and when.","1.B.1.1","The provider has a formal system for collecting social performance data on a regular, ongoing basis.",null,null,null,"x","","","",""]
["QL_17","1.B.1.2","Indicator","The provider ensures the accuracy of the social performance data that it collects.","1.B.1.2.6","Who verifies the accuracy of the data ",null,null,null,"x","","","",""]
["QL_18","1.B.1.2.1","Detail","Employees in relevant positions receive specific training on social performance data collection and entry.","1.B.1.3","Employees in relevant positions receive specific training on data collection and data entry. ",null,null,null,"x","","","",""]
["QL_19","1.B.1.2.2","Detail","The provider validates client data by periodic internal audit or management review, including some field-level checks.","1.B.1.4","Data is validated by periodic internal audit or management review, including some field level checks.",null,null,null,"x","","","",""]
["QL_20","1.B.1.3","Indicator","The provider collects data on an ongoing basis to measure whether it is achieving its social goals.",null,"",null,null,"x","x","","","",""]
["QL_21","1.B.1.3.1","Detail","The provider collects quantitative data that measures both positive and negative changes for clients and their households. Minimum frequency: annually","","",null,null,"x","x","","","",""]
["QL_22","1.B.1.3.2","Detail","The provider collects qualitative data that measures both positive and negative changes for clients and their households. Minimum frequency: annually","","",null,null,"x","x","","","",""]
["QL_23","1.B.2","EP","The provider analyzes outcomes data by client segment.","","",null,null,null,"x","","","",""]
["QL_24","1.B.2.1","Indicator","The provider stores data on social performance in its management information system (MIS) in a way that allows for combined analysis of a client's financial and social data.","1.B.1.5","The provider's management information system can disaggregate client level data by characteristics that are relevant to its social mission.",null,null,null,"x","","","",""]
["QL_25","1.B.2.2","Indicator","The provider analyzes outcomes for different segments of clients according to their profile and financial behavior. Minimum frequency: annually","1.B.4.1","The provider creates management reports that include client level data on social indicators, at least once a year.",{"$nulls":4},"","","",""]
["QL_26","1.B.2.2.1","Detail","By client profile: gender; age; location (urban/rural); poverty/income level","1.B.1.5.2","Outreach to at least one characteristic among those listed below:\n- Outreach to youth\n- Outreach to rural areas \n- Outreach by poverty level\n- Other type of social indicators (please specify)",{"$nulls":4},"","","",""]
["QL_27","1.B.2.2.2","Detail","By financial behavior: types of products or services used; tenure with the provider","","",{"$nulls":4},"","","",""]
["QL_28","1.B.2.2.3","Detail","Other segments that are relevant to the provider's social goals (please specify):","","",{"$nulls":4},"","","",""]
["QL_29","1.B.3","EP","The provider reports social performance data internally and externally.","1.B.4","The provider analyzes and reports social performance data internally and externally.",null,null,null,"x","","","",""]
["QL_30","1.B.3.1","Indicator","The provider conducts a social audit. Minimum frequency: every three years","","",null,null,null,"x","","","",""]
["QL_31","1.B.3.2","Indicator","The provider publishes a report that includes social performance data. Minimum frequency: annually","1.B.4.3","The provider updates externally reported data at least annually.  ",null,null,null,"x","","","",""]
["QL_32","1.B.3.3","Indicator","The provider discusses social performance results with employees. Minimum frequency: annually","","",{"$nulls":4},"","","",""]
["QL_33",2,"Dimension","Dimension 2: Committed Leadership",2,"Commitment to social goals","x","G","x","x","","","",""]
["QL_34","2.A","Standard","Members of the board of directors hold management accountable for achieving the provider's social goals.","2.A","Members of the board of directors hold the provider accountable to its mission and social goals.","x","G","x","x","","","",""]
["QL_35","2.A.1","EP","Board composition reflects the provider's social strategy and sound governance practices.","","",null,null,null,"x","","","",""]
["QL_36","2.A.1.1","Indicator","The board has an active social performance management (SPM) committee or equivalent body.","2.A.2.4","A designated SPM champion/committee sits within the board or reports to the board.",null,null,null,"x","","","",""]
["QL_37","2.A.1.2","Indicator","At least one board member has direct work experience with the provider's target clients.","","",null,null,null,"x","","","",""]
["QL_38","2.A.1.3","Indicator","At least 20% of board members are women.","","",null,null,null,"x","","","",""]
["QL_39","2.A.1.4","Indicator","The board includes members whose nationality/ethnicity is representative of the provider's target clients.","","",{"$nulls":4},"","","",""]
["QL_40","2.A.2","EP","The provider trains board members on their social performance management responsibilities.","2.A.1","The provider orients board members on the social mission and goals, and the board's social performance management responsibilities.",null,null,null,"x","","","",""]
["QL_41","2.A.2.1","Indicator","During new member orientation or subsequent training, the provider trains each board member on the following:","2.A.1.1","During the orientation, board members receive:",null,null,null,"x","","","",""]
["QL_42","2.A.2.1.1","Detail","The provider’s social goals.","2.A.1.1.1","An explanation of (or training on) the provider’s social mission and goals ",null,null,null,"x","","","",""]
["QL_43","2.A.2.1.2","Detail","The board's role in managing the provider's social performance.","2.A.1.1.2","An explanation of their role in managing the provider's social performance ",null,null,null,"x","","","",""]
["QL_44","2.A.2.1.3","Detail","The Universal Standards for Social and Environmental Performance Management.","2.A.1.1.3","Updates about recent developments on relevant national and international SPM initiatives, such as SPTF, Smart Campaign, SP related regulation etc. ",null,null,null,"x","","","",""]
["QL_45","2.A.2.2","Indicator","Each board member signs an agreement that details his/her social performance responsibilities.","2.A.1.2","All board members confirm their commitment to the provider's social mission. ",{"$nulls":4},"","","",""]
["QL_46","2.A.2.3","Indicator","New board members have direct exposure to clients within the first year of joining the board.","","",{"$nulls":4},"","","",""]
["QL_47","2.A.3","EP","The board makes strategic decisions based on social and financial data.","2.A.2","The board uses social performance data to provide strategic direction, taking into account both social and financial goals.","x","G","x","x","x","x","8.1.0.0",0]
["QL_48","2.A.3.1","Indicator","The board uses the following data, provided by management, to monitor client protection. Minimum frequency: annually","2.A.2.1","The board reviews each of these topics, at least annually, in order to determine whether the provider is meeting its mission and social goals:","x","G","x","x","x","x","8.1.1.0",0]
["QL_49","2.A.3.1.1","Detail","Analysis of the risk of client over-indebtedness.","2.A.2.1.3","Client protection practices","x",null,"x","x","x","x","8.1.1.1","A"]
["QL_50","2.A.3.1.2","Detail","Analysis of client dissatisfaction: rates of client dormancy and drop-out, results of exit surveys, and client complaints.","2.A.2.1.5","Client dormancy, drop-out and cancellation",null,null,null,"x","","x","8.1.1.2",0]
["QL_51","2.A.3.1.3","Detail","Interest rates and whether they are responsible.","","","x",null,"x","x","x","x","8.1.1.3",0]
["QL_52","2.A.3.1.4","Detail","Reports on the provider's systems for data privacy and security, particularly any failures or breeches.","","","x",null,"x","x","x","x","8.1.1.4",0]
["QL_53","2.A.3.1.5","Detail","Reports on any fraud or corruption, including extorsion and bribery.","","","x",null,"x","x","x","x","8.1.1.5",0]
["QL_54","2.A.3.2","Indicator","The board uses the following data, provided by management, to monitor the provider's social strategy (with the listed minimum frequency):","2.A.2.1","The board reviews each of these topics, at least annually, in order to determine whether the provider is meeting its mission and social goals:",null,null,"x","x","","","",""]
["QL_55","2.A.3.2.1","Detail","Outcomes data. Minimum frequency: annually","2.A.2.1.1","Progress toward targets as measured by the social indicators",{"$nulls":4},"","","",""]
["QL_56","2.A.3.2.2","Detail","The provider's most recent social audit. Minimum frequency: every three years","2.A.2.1.8","Independent information on the above (e.g., from internal audit or independent external social assessments, such as audit/rating) ",null,null,"x","x","","","",""]
["QL_57","2.A.3.2.3","Detail","How profits are allocated, and whether profit allocation is aligned with the provider's social strategy. Minimum frequency: annually","2.A.2.1.7","Profit allocation",null,null,"x","x","","","",""]
["QL_58","2.A.3.3","Indicator","The board uses the following data, provided by management, to monitor decent work conditions for employees (with the listed minimum frequency):","5.C.2.2","The provider annually analyzes:","x","G","x","x","","","",""]
["QL_59","2.A.3.3.1","Detail","Employee turnover rate, by gender. Minimum frequency: annually","2.A.2.1.2","Employee satisfaction survey results and employee turnover rate","x","G","x","x","","","",""]
["QL_60","2.A.3.3.2","Detail","Analysis of employee satisfaction surveys. Minimum frequency: every two years","5.C.1.1","In the past 12 months, the provider has completed an analysis of employee satisfaction (including disaggregation of results by gender) and shared the results with the employees. ","x","G","x","x","","","",""]
["QL_61","2.A.3.4","Indicator","The board takes corrective action when it identifies risks to clients, risks to employees, or when the provider is not achieving its social goals.","2.A.2.3","The board takes corrective action when social targets are not being met. ",null,null,"x","x","x","x","8.1.2.0","A"]
["QL_62","2.A.4","EP","Board oversight of senior management is aligned with the provider's social goals.","2.A.3","The board holds the CEO/managing director accountable for making progress toward the provider’s social goals.","x","G","x","x","","","",""]
["QL_63","2.A.4.1","Indicator","The board includes social targets in the CEO/Managing Director's performance evaluation.","6.D.1.1","The CEO/Managing Director's compensation takes into account the results of his/her performance evaluation (see Essential Practice 2A.4).",{"$nulls":4},"","","",""]
["QL_64","2.A.4.2","Indicator","The board formally assesses the CEO/Managing Director on achievement of social performance targets. Minimum frequency: annually","2.A.3.1","The board formally assesses the CEO/managing director on achievement of social performance targets annually.",null,null,null,"x","","","",""]
["QL_65","2.A.4.3","Indicator","The Board oversees executive compensation. ",null,"","x","G","x","x","","","","","3.8"]
["QL_66","2.A.4.3.1","Detail","If executive compensation is in part incentive-based, executives are incentivized on both social and financial performance criteria.","6.D.1.3","If senior management compensation is in part incentive-based, managers are incentivized on both social and financial performance criteria.",{"$nulls":4},"","","",""]
["QL_67","2.A.4.3.2","Detail","The board calculates the difference between the average annual compensation of executives and field employees and is able to justify any ratio higher than 25:1. Minimum frequency: annually","6.D.3.1","The provider calculates the difference between the average annual compensation of its top level executives and its field employees. ","x","G","x","x","","","","","3.8"]
["QL_68","2.A.4.3.3","Detail","The board reviews the compensation of the CEO/Managing Director and senior executives to ensure that compensation is comparable to providers with similar social commitment. Minimum frequency: annually","6.D.1.4","The board periodically reviews the compensation of the CEO/Managing Director and senior managers to ensure that it is comparable to providers with similar social commitment.",null,null,null,"X","","","",""]
["QL_69","2.A.5","EP","The board is responsible for preserving the provider's social goals during times of crisis or institutional change.","2.A.4","The board is responsible for preserving the provider's social mission during times of institutional change. ",null,null,null,"x","","","",""]
["QL_70","2.A.5.1","Indicator","During times of crisis, the board monitors how clients and employees are affected and takes action to protect and support them.","","",null,null,null,"x","","","",""]
["QL_71","2.A.5.2","Indicator","During periods of institutional change, the board uses client data to check whether strategic decisions are consistent with the provider's social goals and target clients. ","2.A.4.1","When preparing for periods of institutional growth and change (in legal form, ownership, leadership, target clients, products), the board has a documented strategy to prevent mission drift.   ",{"$nulls":4},"","","",""]
["QL_72","2.B","Standard","Senior management is responsible for implementing the provider's strategy for achieving its social goals.","2.B","Senior management oversees implementation of the provider's strategy for achieving its social goals.","x","G","x","x","","","",""]
["QL_73","2.B.1","EP","The provider includes social goals in its operational plan and the CEO/Managing Director holds senior managers accountable for achieving social targets.","2.B.1","Senior management operationalizes the provider’s social strategy.",null,null,"x","x","","","",""]
["QL_74","2.B.1.1","Indicator","The provider includes its social goals and targets in the business plan or operational plan.","2.B.1.1","The provider's social goals and targets are included in the business plan or operational plan. ",null,null,"x","x","","","",""]
["QL_75","2.B.1.2","Indicator","The CEO/Managing Director formally assesses senior managers on their achievement of social performance targets. Minimum frequency: annually","2.B.3.1","The CEO/Managing Director formally assesses senior managers on their achievement of social performance targets annually. ",null,null,null,"x","","","",""]
["QL_76","2.B.2","EP","Management makes strategic and operational decisions based on social and financial data.","2.B.2","Senior management analyzes and addresses social performance-related risks.","x","G","x","x","x","x","8.2.0.0",0]
["QL_77","2.B.2.1","Indicator","Senior management analyzes the following data and assesses risks. Minimum frequency: annually","2.B.2.1","Senior management assesses the following social performance-related risks at least annually:","x","G","x","x","x","x","8.2.1.0",0]
["QL_78","2.B.2.1.1","Detail","Analysis of client protection risks (over-indebtedness, unfair treatment, lack of transparency, privacy of client data, complaints, fraud, corruption and bribery)","2.B.2.1.2","Incidents resulting in harm to clients ","x","G","x","x","x","x","8.2.1.1",0]
["QL_79","2.B.2.1.2","Detail","Analysis of outcomes for clients and their households","2.B.2.1.1","Mission drift and reputational risk",{"$nulls":4},"","","",""]
["QL_80","2.B.2.1.3","Detail","Analysis of decent work conditions (health and safety, compensation and benefits, working conditions)","2.B.2.1.4","Employee dissatisfaction ","x","G","x","x","","","",""]
["QL_81","2.B.2.2","Indicator","Internal audit and/or risk management integrates the following criteria into regular monitoring activities:","2.B.2.2","Internal audit and/or risk management integrates social performance criteria into their regular activities.","x","G","x","x","x","x","8.2.2.0",0]
["QL_82","2.B.2.2.1","Detail","Client repayment capacity, loan approval analysis, prevention of aggressive sales","4.A.1.5","The provider has a rigorous internal control process to verify the uniform application of policies and procedures about client underwriting, and it can produce evidence of corrective measures taken in case of partial or incorrect implementation.","x","G","x","x","x","x","8.2.2.1","A"]
["QL_83","2.B.2.2.2","Detail","Transparency to clients","4.B.3.4","The provider has and uses an internal control process to verify uniform application of policies and procedures related to transparency. ",null,null,"x","x","x","x","8.2.2.2",0]
["QL_84","2.B.2.2.3","Detail","Compliance with code of conduct; prevention of fraud and corruption","4.C.5.1","The provider has an internal control process to verify uniform application of policies and procedure related to fair and respectful treatment of clients. The provider can produce evidence/records of monitoring/reporting of corrective measures taken in case of partial or incorrect implementation of the policies and procedures to ensure an adequate compliance in the practice.","x","G","x","x","x","x","8.2.2.3",0]
["QL_85","2.B.2.2.4","Detail","Collateral seizing and appropriate debt collection practices","4.C.3.4","Policy, documented processes and management oversight are in place to ensure that collateral seizing is respectful of clients' rights.",null,null,"x","x","x","x","8.2.2.4","P"]
["QL_86","2.B.2.2.5","Detail","Client data misuse and fraud","","","x","G","x","x","x","x","8.2.2.5",0]
["QL_87","2.B.2.2.6","Detail","Complaints handling, including review of a sample of cases","4.E.3.2","The provider has an internal control process to verify uniform application of policies and procedures for complaints handling, including review of a sample of cases. The provider can produce evidence of corrective measures taken in case of partial or incorrect implementation of the policies and procedures, to ensure an adequate compliance with these in the practice.",null,null,"x","x","x","x","8.2.2.6",0]
["QL_88","2.B.2.3","Indicator","Management takes corrective action when it identifies risks to clients, risks to employees, or when the provider is not achieving its social goals","","",null,null,"x","x","x","x","8.2.3.0",0]
["QL_89",3,"Dimension","Dimension 3: Client-centered Products and Services",3,"Design products that meet clients' needs",null,null,"x","x","","","",""]
["QL_90","3.A","Standard","The provider collects and analyzes data to understand clients' needs.","3.A","The provider understands the needs and preferences of different types of clients.",null,null,"x","x","","","",""]
["QL_91","3.A.1","EP","The provider conducts market research and pilot testing.","3.A.1","The provider seeks information on clients' needs, preferences, and experiences for product design and delivery.",null,null,"x","x","","","",""]
["QL_92","3.A.1.1","Indicator","Before introducing new products, services, or delivery channels, the provider conducts market research that includes gathering the following data about its target clients:","3.A.1.1","The provider conducts market research before introducing or modifying products. The research covers the following:",null,null,"x","x","","","",""]
["QL_93","3.A.1.1.1","Detail","Analysis of market share, market saturation, and potential market","6.A.1.1.2","Penetration rate / market potential / saturation analysis ",null,null,"x","x","","","",""]
["QL_94","3.A.1.1.2","Detail","Client profile data, including gender, age, location (urban/rural), and poverty/income level","3.A.1.1.1","The characteristics of target clients",null,null,"x","x","","","",""]
["QL_95","3.A.1.1.3","Detail","Data on clients' needs, goals, and any obstacles to using financial services","3.A.1.1.2","Need/preferences for products  ",null,null,"x","x","","","",""]
["QL_96","3.A.1.2","Indicator","The provider conducts pilot tests before introducing a new product or making significant changes to an existing product.","","",{"$nulls":4},"","","",""]
["QL_97","3.A.1.2.1","Detail","The provider pilot tests products among clients with different socioeconomic and demographic characteristics.","","",{"$nulls":4},"","","",""]
["QL_98","3.A.1.2.2","Detail","The provider collects feedback on pilot products from both employees and clients.","","",{"$nulls":4},"","","",""]
["QL_99","3.A.2","EP","The provider uses data to identify patterns of financial behavior by client segment.","","",null,null,null,"x","","x","1.1.0.0",0]
["QL_100","3.A.2.1","Indicator","The provider analyzes transactional data (PAR, average loan size, loan repayments, savings deposits and withdrawals) by demographic and socioeconomic segments of its clients.","3.A.1.2","The provider analyzes results of market research by client characteristics.",null,null,null,"x","","","",""]
["QL_101","3.A.2.2","Indicator","The provider analyzes product use (types and frequency) by demographic and socioeconomic segments of its clients.","3.A.2.2","The provider analyzes product usage by client characteristic and investigates the reasons for dormancy, drop-out and cancellation.",null,null,null,"x","","x","1.1.1.0",0]
["QL_102","3.A.3","EP","The provider collects client feedback on their experiences using the provider's products and services.","3.A.2","The provider monitors the suitability of products, services and delivery channels. (Client Protection standard 1.2)",null,null,"x","x","x","x","1.2.0.0",0]
["QL_103","3.A.3.1","Indicator","The provider conducts client satisfaction surveys. Minimum frequency: every other year","3.A.2.1","The provider conducts satisfaction surveys or other systematic means of gathering feedback on client satisfaction with products, services and delivery channels, at least annually. ",null,null,"x","x","x","x","1.2.1.0","P"]
["QL_104","3.A.3.2","Indicator","The provider conducts interviews with dormant and/or exiting clients to look for evidence of product design failures.","3.A.2.2","The provider analyzes product usage by client characteristic and investigates the reasons for dormancy, drop-out and cancellation.",null,null,null,"x","","x","1.2.2.0",0]
["QL_105","3.A.3.3","Indicator","The provider investigates whether stresses at the household level make it more difficult for clients to use its products and services.","","",{"$nulls":4},"","","",""]
["QL_106","3.B","Standard","The provider's products, services, and channels benefit clients.","3.B","The provider’s products, services and delivery channels are designed to benefit clients, in line with the provider’s social goals. ","x","S/CP","x","x","x","x","1.0.0.0",0]
["QL_107","3.B.1","EP","The provider uses insights from client data to design products, services, and delivery channels.","3.B.1","The provider offers products and services that are suited to clients' needs. (Client Protection standard 1.1)",null,null,null,"x","","x","1.3.0.0",0]
["QL_108","3.B.1.1","Indicator","The provider designs new products, services (financial and non-financial), and delivery channels using insights from market and pilot studies, client feedback, and client outcomes data.","3.B.1.1","A policy is in place that defines how the provider will offer suitable products and services through appropriate channels, including designing products, services and channels and monitoring their suitability.  ",null,null,null,"x","","x","1.3.1.0","A"]
["QL_109","3.B.1.2","Indicator","The provider modifies its existing products and services in response to clients' needs, feedback, and outcomes.","","",null,null,null,"x","","x","1.3.2.0",0]
["QL_110","3.B.1.3","Indicator","The provider dedicates resources (funds and employee time) for ongoing development and improvement of products, services, and delivery channels. ","","",{"$nulls":4},"","","",""]
["QL_111","3.B.2","EP","The provider removes barriers that prevent access to financial products and services.","3.B.2","The provider's products and services are designed to reduce barriers to financial inclusion for target clients.",null,null,"x","x","","","",""]
["QL_112","3.B.2.1","Indicator","The provider offers loan sizes and loan terms that are suited to the client's economic profile, cash flow, and business type.","3.B.2.1","Products, services and delivery channels are appropriate for the target population in terms of:",null,null,"x","x","","","",""]
["QL_113","3.B.2.2","Indicator","The provider offers delivery channels that reduce barriers to access for clients.","","",null,null,null,"x","","","",""]
["QL_114","3.B.2.2.1","Detail","The provider offers clients multiple delivery channels.","","",null,null,null,"x","","","",""]
["QL_115","3.B.2.2.2","Detail","The provider uses technologies that are appropriate to the digital literacy of the target clients.","","",null,null,null,"x","","","",""]
["QL_116","3.B.2.3","Indicator","If the provider offers savings, it sets minimum requirements and withdrawal conditions that are compatible with the cash flows of the target clients.",null,"",{"$nulls":4},"","","","",null,"SVG"]
["QL_117","3.B.3","EP","The provider's products, services, and channels protect clients from harm.","","","x","S/CP","x","x","x","x","1.4.0.0",0]
["QL_118","3.B.3.1","Indicator","The provider tailors repayment schedules to the client's cash flows and type of business.","3.B.2.1.3","Loan repayment schedules, savings withdrawal conditions (e.g., compatible with the cash-flows of the target populations)",null,null,"x","x","x","x","1.4.1.0","E"]
["QL_119","3.B.3.2","Indicator","The provider's collateral and guarantor requirements do not create severe hardship for clients.","3.B.1.3","A policy is in place to ensure fair collateral requirements that do not create severe hardship for clients. ","x","S/CP","x","x","x","x","1.4.2.0",0]
["QL_120","3.B.3.2.1","Detail","The provider has a list of assets that cannot be pledged as collateral, which includes items that would create severe hardship or significant loss of income earning ability for the client.","3.B.1.3.1","The provider has a list of assets or goods that cannot be pledged as collateral. The list is based on local norms and includes items that would create severe hardship or total loss of income earning ability for the client. ","x","S/CP","x","x","x","x","1.4.2.1","P"]
["QL_121","3.B.3.2.2","Detail","Collateral valuation is based on a verifiable market price/resale value. The credit committee or second level approval verifies the collateral valuation.","3.B.1.3.2","Collateral valuation is determined based on a verifiable market price/resale value. The credit committee or second level approval verifies the collateral valuation. ","x","S/CP","x","x","x","x","1.4.2.2","A"]
["QL_122","3.B.3.2.3","Detail","The minimum requirement for the value of collateral does not exceed two times the loan amount, and cash collateral does not exceed 20% of the loan amount.","","",null,null,"x","x","x","x","1.4.2.3","A"]
["QL_123","3.B.3.2.4","Detail","If the provider collects title documents, it returns them to the client once the loan is repaid.","","",null,null,"x","x","x","x","1.4.2.4","E"]
["QL_124","3.B.3.3","Indicator","The provider accepts alternative forms of collateral from clients whose gender or age creates barriers to access in the local context. ","","",{"$nulls":4},"","","",""]
["QL_125","3.B.3.4","Indicator","If the provider lends in hard currency, it informs clients of the foreign exchange risk using cost scenarios. The provider can also justify the decision not to lend in local currency.","3.B.3.2","The provider's lending policies state that the institution should lend in local currency to the extent possible, to protect clients from foreign exchange risk.",null,null,"x","x","x","x","1.4.3.0","A"]
["QL_126","3.B.3.5","Indicator","If the client business is related to sectors known to have high social risks, the provider conducts additional due diligence to mitigate risk.","","",null,null,"x","x","","","",""]
["QL_127","3.B.3.6","Indicator","If the provider offers voluntary insurance, it assesses the value of insurance products to clients.","","",{"$nulls":4},"","x","1.4.4.0",0,null,"INS"]
["QL_128","3.B.3.6.1","Detail","The provider analyzes data on product use: product uptake, claims ratio, renewal rate, and coverage ratio.","","",{"$nulls":4},"","x","1.4.4.1",0,null,"INS"]
["QL_129","3.B.3.6.2","Detail","The provider analyzes data on how it processes claims: claims rejection ratio, average time for claim's resolution, reasons for rejection of claims, reasons for lapses in coverage.","","",{"$nulls":4},"","x","1.4.4.2",0,null,"INS"]
["QL_130","3.B.3.6.3","Detail","The provider analyzes data on client experience with insurance: demographics of those covered, complaints, client satisfaction.","","",{"$nulls":4},"","x","1.4.4.3",0,null,"INS"]
["QL_131","3.B.3.6.4","Detail","If the claims ratio for life insurance is below 60%, the provider asks the insurance provider to justify the reason. ","","",{"$nulls":4},"","x","1.4.4.4",0,null,"INS"]
["QL_132","3.B.3.7","Indicator","If the provider uses agents, it monitors agent liquidity and whether agents respect client protection practices, and has mechanisms to address problems as needed.","","",{"$nulls":4},"","x","1.4.5.0",0]
["QL_133","3.B.3.8","Indicator","If the provider uses digital channels, it monitors whether the following problems occur and has mechanisms to address problems as needed:","","",{"$nulls":4},"","x","1.4.6.0",0,null,"DFS"]
["QL_134","3.B.3.8.1","Detail","Transaction errors such as transactions that are not completed or are incorrectly completed; funds transferred to an incorrect account; funds sent to a receiver who was not able to cash out the funds within a certain period of time","","",{"$nulls":4},"","x","1.4.6.1",0,null,"DFS"]
["QL_135","3.B.3.8.2","Detail","System malfunctions such as extended outage, scheduled downtime, or processing delays","","",{"$nulls":4},"","x","1.4.6.2",0,null,"DFS"]
["QL_136","3.B.4","EP","The provider's products and services help clients reduce their vulnerability to shock and smooth consumption.","3.B.3","The provider's products and services are designed to reduce client risks.",null,null,"x","x","","","",""]
["QL_137","3.B.4.1","Indicator","The provider offers products and services for basic needs, such as housing, energy, and education.",null,"",null,null,null,"x","","","",""]
["QL_138","3.B.4.2","Indicator","The provider offers products and services that help clients maintain stable levels of expenditure despite income fluctuation or emergencies. Select all that apply:","3.B.3.1","The provider offers products and services that help reduce client vulnerability and cope with common emergencies, such as:",null,null,"x","x","","","",""]
["QL_139","3.B.4.2.1","Detail","Emergency loans","3.B.3.1.1","Emergency loans",null,null,"x","x","","","",""]
["QL_140","3.B.4.2.2","Detail","Savings with an easy withdrawal process","3.B.3.1.3","Savings, including but not limited to products with an easy withdrawal process (e.g., easy withdrawal in case of emergency)",null,null,"x","x","","","","",null,"SVG"]
["QL_141","3.B.4.2.3","Detail","Voluntary insurance","3.B.3.1.4","Voluntary insurance (see examples in Tip Box)",null,null,"x","x","","","","",null,"INS"]
["QL_142","3.B.4.2.4","Detail","Non-financial services","3.B.3.1.6","Training services, including women’s empowerment, business, health and other educational services",{"$nulls":4},"","","",""]
["QL_143","3.B.5","EP","The provider's products and services help clients achieve their goals.","3.B.4","The provider creates benefits for clients by enabling them to invest in economic opportunities and address anticipated household needs.",null,null,null,"x","","","",""]
["QL_144","3.B.5.1","Indicator","The provider offers training to clients in areas where they have skill gaps that prevent them from achieving their goals.","3.B.3.1.6","Training services, including women’s empowerment, business, health and other educational services",{"$nulls":4},"","","",""]
["QL_145","3.B.5.2","Indicator","The provider offers products/services that enable clients to invest in economic opportunities such as business loans for start-up, working capital, and investment.","3.B.4.1.1","Business loans (start-up, working capital, investment)",null,null,null,"x","","","",""]
["QL_146","3.B.5.3","Indicator","The provider offers products/services for major life events such as weddings, maternity care/child birth, housing, higher education, and funerals.","3.B.4.1.3","Saving services such as youth savings, saving plans for life events (weddings/funerals, etc.), housing savings, etc.",null,null,null,"x","","","",""]
["QL_147",4,"Dimension","Dimension 4: Client Protection",4,"Treat clients responsibly","x","S/CP","x","x","","","",""]
["QL_148","4.A","Standard","The provider does not overindebt clients.","4.A","Prevention of Over-indebtedness","x","S/CP","x","x","x","x","2.0.0.0",0]
["QL_149","4.A.1","EP","The provider makes loan decisions based on a client's repayment capacity.","4.A.1","The provider has a sound policy and well-documented process for loan approvals and makes decisions using appropriate information and criteria. (Client protection standard 2.1)","x","S/CP","x","x","x","x","2.1.0.0",0]
["QL_150","4.A.1.1","Indicator","The provider has a policy and documented process for loan approvals.","4.A.2.1","Policy and documented process requires:","x","S/CP","x","x","x","x","2.1.1.0",0]
["QL_151","4.A.1.1.1","Detail","The percentage of a borrower's disposable income that can be applied to debt service may not be higher than 70%, including debt from the provider and other lenders.","4.A.1.1","The provider defines the maximum percentage of a borrower's disposable income that can be applied to debt service, including debt from the provider and other lenders, and uses this amount in determining maximum loan amounts and terms. ","x","S/CP","x","x","x","x","2.1.1.1","P"]
["QL_152","4.A.1.1.2","Detail","Loan approval decisions are made by at least two people, one of whom does not interact directly with the client.","4.A.1.3","The loan approval process involves at least one staff member other than the one directly involved in the client relationship (e.g., senior loan officer, branch manager, credit committee).","x","S/CP","x","x","x","x","2.1.1.2","E"]
["QL_153","4.A.1.1.3","Detail","If a credit bureau exists, the provider reports client data to credit bureaus and uses credit reports in the approval process for loans.","4.A.2.1.1","[credit bureau] Timely reporting to credit bureaus and use of credit reports systematically in the approval process for all loans. ","x","S/CP","x","x","x","x","2.1.1.3","E"]
["QL_154","4.A.1.1.4","Detail","If the provider offers group loans, either the provider or fellow group members conduct due diligence for each group member.","","",null,null,null,"x","","x","2.1.1.4",0]
["QL_155","4.A.1.2","Indicator","The provider conducts a cash flow analysis to evaluate repayment capacity.","4.A.1.2","The loan approval process evaluates repayment capacity through a cash flow analysis and review of client indebtedness. The analysis considers income, expenses and debt service related to business and family and any other sources, including informal sources. ",null,null,"x","x","x","x","2.1.2.0",0]
["QL_156","4.A.1.2.1","Detail","The provider conducts a cash flow analysis that considers income, expenses and debt service related to business and family, and any other sources of revenue, including informal sources. ","","",null,null,"x","x","x","x","2.1.2.1","E"]
["QL_157","4.A.1.2.2","Detail","The provider does not use guarantees, guarantor income, collateral, and/or insurance coverage as proxies for repayment capacity or as the main basis for loan approval.","","",null,null,"x","x","x","x","2.1.2.2","E"]
["QL_158","4.A.1.3","Indicator","The provider's policy on loan prepayment specifies the conditions under which it is acceptable for clients to pay a loan early in order to take a new loan.","4.A.1.4","The provider has a policy that defines when clients are permitted to prepay loans. If prepayment is allowed, a cooling off period between two loans is required. ",{"$nulls":4},"","x","2.1.3.0",0]
["QL_159","4.A.1.3.1","Detail","When the client applies for prepayment to get another loan, the provider specifies a time period and/or percentage of the active loan's principle that must be repaid before being eligible for a new loan.",{"$nulls":6},"","x","2.1.3.1","P"]
["QL_160","4.A.1.3.2","Detail","When the client is taking another loan immediately after prepayment, the provider conducts a new cash flow analysis.",{"$nulls":6},"","x","2.1.3.2","P"]
["QL_161","4.A.1.4","Indicator","If the loan approval analysis is done through an algorithm, the provider reviews how well the algorithm functions. Minimum frequency: annually","","",{"$nulls":4},"","x","2.1.4.0",0,null,"DFS"]
["QL_162","4.A.1.4.1","Detail","The provider reviews the effectiveness of the algorithm for predicting client repayment.","","",{"$nulls":4},"","x","2.1.4.1","A",null,"DFS"]
["QL_163","4.A.1.4.2","Detail","The provider checks its algorithms for bias against Protected Categories and corrects as needed. ","","",{"$nulls":4},"","x","2.1.4.2",0,null,"DFS"]
["QL_164","4.A.2","EP","The provider monitors the market and responds to heightened over-indebtedness risk.","4.A.3","The provider's senior management and board monitor the market and respond to heightened over-indebtedness risk. (Client protection standard 2.3)","x","S/CP","x","x","x","x","2.2.0.0",0]
["QL_165","4.A.2.1","Indicator","Senior management monitors portfolio quality to identify over-indebtedness risk. Minimum frequency: monthly","4.A.3.1","The provider's loan officers and branch managers monitor portfolio quality at least monthly to identify areas with high risks of over-indebtedness. Analysis is done by branches, products and client segments. ",null,null,null,"x","","x","2.2.1.0",0]
["QL_166","4.A.2.1.1","Detail","The provider analyzes portfolio quality by branch, product, and client segment.","","",null,null,null,"x","","x","2.2.1.1","E"]
["QL_167","4.A.2.1.2","Detail","The provider tracks restructured, rescheduled, or refinanced loans.","","",null,null,null,"x","","x","2.2.1.2","P"]
["QL_168","4.A.2.2","Indicator","The provider defines PAR levels that trigger additional internal monitoring and response.","","","x","S/CP","x","x","x","x","2.2.2.0","E"]
["QL_169","4.A.2.3","Indicator","If the provider's total credit risk has averaged more than 10% during any quarter in the past three years, the provider has taken corrective measures.","4.A.4.1","Total credit risk:",{"$nulls":4},"","x","2.2.3.0","A"]
["QL_170","4.B","Standard","The provider gives clients clear and timely information to support client decision making.","4.B","Transparency","x","S/CP","x","x","x","x","3.0.0.0",0]
["QL_171","4.B.1","EP","The provider is transparent about product terms, conditions, and pricing.","4.B.1","Policy and documented process are in place to require transparency on product terms, conditions and pricing. (Client protection standard 3.1)","x","S/CP","x","x","x","x","3.1.0.0",0]
["QL_172","4.B.1.1","Indicator","The provider gives a Key Facts Summary Document to borrowers before they sign a contract. The document contains the following information:\n- Total loan amount\n- Pricing, including all fees\n- Total cost of credit: all principal, interest, and fees plus cash collateral\n- Disbursement date and loan term\n- Repayment schedule with principal and interest amounts, number, and due dates of all repayment installments\n- All deductions from principal disbursement (eg: first installment, commissions, fees, cash collateral, taxes), if applicable\n- How cash collateral / manadatory savings can be used in case of default, if applicable\n- Moratorium interest rates, terms, and conditions, if applicable","4.B.1.1","The provider gives clients with a Key Facts Document that contains the following information about their loans:\n- total loan amount\n- pricing, including all fees\n- total cost of credit (all principal, interest and fees) and APR/EIR\n- disbursement date and loan term\n- repayment schedule with principal and interest amounts, number, and due dates of all repayment installments;\n- and moratorium interest rates.","x","S/CP","x","x","x","x","3.1.1.0","E"]
["QL_173","4.B.1.2","Indicator","Loan contracts include the following information, as applicable to the product:\n- Grace period\n- Mandatory savings / mobile wallet amount\n- Automatic account debiting mechanisms\n- Linked products\n- Member or guarantor obligations\n- Collateral requirements and seizing procedures\n- Consequences of late payment and default\n- Prepayment conditions: whether it is possible and how it affects the cost\n- Whether terms and conditions can change over time and how that would affect clients","4.B.1.2","Loan contracts include all information included in the Key Facts Document, in addition to: \n- grace period (if any) \n- penalties for arrears or prepayment\n- compulsory savings (if any)\n- linked products (if any)\n- member or guarantor obligations (if any)\n- collateral (if any) collateral seizing procedures\n- any restrictions on loan use\n- cooling off periods\n- cancellation rights\n- consequences of late payment and default\n- and whether terms and conditions can change over time.",{"$nulls":4},"","x","3.1.2.0","P"]
["QL_174","4.B.1.3","Indicator","Loan contracts are available in the major local languages.","","",null,null,null,"x","","x","3.1.3.0","E"]
["QL_175","4.B.1.4","Indicator","The provider communicates product information in a way that supports informed decision making by clients.","4.B.3.1","The provider's public information supports informed decision making by clients. ",null,null,null,"X","","x","3.1.4.0",0]
["QL_176","4.B.1.4.1","Detail","The provider publishes basic product information, including pricing, at branch or agent locations, or digitally as applicable.","","",null,null,null,"x","","x","3.1.4.1","P"]
["QL_177","4.B.1.4.2","Detail","The provider communicates APR/EIR (or MPR if the majority of loans are under 3 months) in the Key Facts Summary and/or the loan contract.","",{"$nulls":4},"x","","x","3.1.4.2","A"]
["QL_178","4.B.1.4.3","Detail","The provider's communications are in simple and local language; oral information is used for less literate clients.","","",null,null,null,"x","","x","3.1.4.3","E"]
["QL_179","4.B.1.4.4","Detail","The provider's marketing materials do not deceive or mislead clients.","3.B.5.5","The provider does not use deceptive marketing techniques.",{"$nulls":4},"","x","3.1.4.4","P"]
["QL_180","4.B.1.5","Indicator","If the provider uses agents, it verifies that they provide to clients documentation of their fees, terms of service, and cancellation conditions.","","",{"$nulls":4},"","x","3.1.5.0","A",null,"3PP"]
["QL_181","4.B.1.6","Indicator","If the provider offers savings, documentation includes the following:\n- Fees, including closure fees\n- Interest rate and how amounts will be calculated\n- Minimum and maximum balance requirements\n- Whether deposits are governmentally insured","4.B.1.3","Savings documentation includes: \n- fees (including closure fees)\n- interest rate and how amounts will be calculated\n- minimum and maximum balances\n- and whether deposits are governmentally insured.",{"$nulls":4},"x","x","3.1.6.0","E",null,"SVG"]
["QL_182","4.B.1.7","Indicator","If the provider offers payments, it gives the following information to clients who are initiating or receiving money transfers, or using other payment services:\n- Amount paid by sender, in sender's currency\n- Estimated exchange rate\n- Amount to be received in the destination currency\n- Fees\n- Instructions for collecting payment\n- Cancellation conditions\n- Instructions for resolving errors\n- Transaction confirmation\n- Taxes\n- Linked products (if any)","4.B.1.5","Clients initiating or receiving money transfers and other payment transactions are provided the following information, when applicable:\n- amount paid by sender in sender's currency\n- estimated exchange rate\n- amount to be received in the destination currency\n- fees\n- instructions for collecting money\n- cancellation conditions\n- instructions for resolving errors\n- transaction confirmation\n- taxes (if any) and\n- linked products (if any).",{"$nulls":4},"","x","3.1.7.0","P"]
["QL_183","4.B.1.8","Indicator","If the provider offers insurance, it gives clients the following information at the time of enrollment:                                             \n- A certificate of coverage which states, at minimum, the premium, amount and term of coverage, who are the beneficiaires, which events are covered, any major exclusions, and when and how to file a claim\n- An explanation of the documentation required to prove damage, if applicable\n- Terms related to cancellation and prepayment, if applicable","","",{"$nulls":4},"x","x","3.1.8.0","E",null,"INS"]
["QL_184","4.B.1.9","Indicator","If the provider offers insurance, it provides beneficiaries with timely information during the claims process.","","",{"$nulls":4},"","x","3.1.9.0",0,null,"INS"]
["QL_185","4.B.1.9.1","Detail","The provider notifies the beneficiary within 30 days of making a decision about the claim.","","",{"$nulls":4},"","x","3.1.9.1",0,null,"INS"]
["QL_186","4.B.1.9.2","Detail","When the claim decision results in a settlement, the provider notifies the beneficiary within 30 days of the settlement. If the claim is denied, the provider notifies the beneficiary of the reason and gives an opportunity for appeal.","","",{"$nulls":4},"","x","3.1.9.2",0,null,"INS"]
["QL_187","4.B.2","EP","The provider communicates with clients at appropriate times and through appropriate channels.","4.B.2","The provider communicates with clients at an appropriate time and through appropriate channels. (Client protection standard 3.2)",null,null,"x","x","x","x","3.2.0.0",0]
["QL_188","4.B.2.1","Indicator","The provider gives clients the opportunity to review the terms and conditions of products.","4.B.2.1.1","The provider gives clients adequate time to review the terms and conditions of products, ask questions, and receive additional information prior to signing contracts. The client has an opportunity to decline the product (loan + insurance combination in the case of bundled products). ",null,null,"x","x","x","x","3.2.1.0",0]
["QL_189","4.B.2.1.1","Detail","The provider offers a channel for clients to ask questions and receive additional information prior to signing contracts.","","",null,null,"x","x","x","x","3.2.1.1","E"]
["QL_190","4.B.2.1.2","Detail","The provider gives clients notice and the opportunity to opt out before automatically renewing a voluntary product.","","",{"$nulls":4},"","x","3.2.1.2","A"]
["QL_191","4.B.2.2","Indicator","The provider gives clients a completed, signed copy of the contract and makes the contract accessible anytime in an online account or in physical form.","4.B.2.1.2","Upon signing, clients receive a signed copy of contract with no blank spaces. This applies to group products as well as individual. Digital services should be embedded into account opening documents for ease of client processing.\n",null,null,"x","x","x","x","3.2.2.0","E"]
["QL_192","4.B.2.3","Indicator","The provider gives clients clear and accurate account balance information in the following ways:","4.B.2.2","A documented process is in place to provide clients with regular and on-demand information on account balances. Information is accurate and clear.",null,null,"x","x","x","x","3.2.3.0",0]
["QL_193","4.B.2.3.1","Detail","Providing access to their up-to-date loan or savings balance upon request.","","",null,null,null,"x","","x","3.2.3.1","P"]
["QL_194","4.B.2.3.2","Detail","Sending automatic messages to clients whenever there is an automatic deduction from the client account.","","",null,null,null,"x","","x","3.2.3.2","A"]
["QL_195","4.B.2.3.3","Detail","Providing receipts, on paper or electronically, for every transaction.","","",null,null,"x","x","x","x","3.2.3.3","E"]
["QL_196","4.B.2.4","Indicator","If loan repayments are automatically debited from a client account, the provider sends clients a loan repayment reminder at least one day before loan repayments are due. ","","",{"$nulls":4},"","x","3.2.4.0","E",null,"DFS"]
["QL_197","4.C","Standard","The provider enforces fair and respectful treatment of clients.","4.C","Fair and Respectful Treatment of Clients","x","S/CP","x","x","x","x","5.0.0.0",0]
["QL_198","4.C.1","EP","The provider's code of conduct requires fair and respectful treatment of clients.","4.C.1","The provider promotes and enforces fair and respectful treatment of clients in line with a code of conduct. (Client protection standard 5.1)","x","S/CP","x","x","x","x","5.2.0.0",0,"3.9"]
["QL_199","4.C.1.1","Indicator","The provider's code of conduct states the organizational values, standards of professional conduct, and treatment of clients that it expects of all employees, and defines the sanctions to apply in case of a breach.","4.C.1.1","The code of conduct (or equivalent) clearly spells out organizational values, standards of professional conduct and treatment of clients that are expected of all provider or third-party provider staff or agents. Policies also spell out what sanctions to apply in case of a breach of the code of conduct. ","x","S/CP","x","x","x","x","5.2.1.0","P","3.9"]
["QL_200","4.C.1.2","Indicator","The provider's policies prohibit the following:","","","x","S/CP","x","x","x","x","5.2.2.0",0,"1.11/3.15"]
["QL_201","4.C.1.2.1","Detail","Corruption, theft, kickbacks, fraud","","","x","S/CP","x","x","x","x","5.2.2.1","E","1.11/3.15"]
["QL_202","4.C.1.2.2","Detail","Client intimidation: using abusive language, using physical force, limiting physical freedom, sexual harassment, shouting at the client, entering the client’s home uninvited, publicly humiliating the client, using threats","","","x","S/CP","x","x","x","x","5.2.2.2","E","1.11 / 3.9"]
["QL_203","4.C.1.2.3","Detail","Discrimination against all internationally recognized Protected Categories. [Note: Protected Categories are as follows: People over 40 years old; Sex; Race/ethnicity/national extraction/social origin /caste; Religion; Health status, including HIV status; Disability; Sexual orientation; Political affiliation/opinion; Civil/marital status; Participation in a trade union.]","4.C.2.1","Protected Categories include: ethnicity, gender, age, disability, political affiliation, sexual orientation, caste, and religion. ","x","S/CP","x","x","x","x","5.2.2.3","E","1.11"]
["QL_204","4.C.1.3","Indicator","The provider informs clients, verbally or in writing, about the prohibited behaviors found in the code of conduct.","","",{"$nulls":4},"","x","5.2.3.0",0]
["QL_205","4.C.1.4","Indicator","If the provider partners with third parties, it reviews the third party's code of conduct prior to signing a contract to check for commitment to fair and respectful treatment of clients.","","",{"$nulls":4},"","x","5.2.4.0",0,null,"3PP"]
["QL_206","4.C.2","EP","The provider does not use aggressive sales techniques.","3.B.5","A policy and documented process are in place to prevent aggressive sales techniques and forced signing of contracts. (Client Protection Standard 1.3)",null,null,"x","x","x","x","5.3.0.0",0]
["QL_207","4.C.2.1","Indicator","The provider has internal controls to monitor whether employees or agents are engaging in aggressive sales.","3.B.5.3","The provider has a mechanism of rigorous and regular monitoring of front line staff and third-party sales techniques (e.g., agents, insurance companies or money transfer companies) to impede aggressive sales. When 'red flags' are raised, it triggers corrective measures.",{"$nulls":4},"","x","5.3.1.0",0]
["QL_208","4.C.2.2","Indicator","The provider's incentive structure does not promote aggressive sales.","3.B.5.4","The provider's incentive/ bonus structure does not promote aggressive sales.",null,null,"x","x","x","x","5.3.2.0",0]
["QL_209","4.C.2.2.1","Detail","When front-line employees' salaries are comprised of a fixed and a variable portion, the fixed portion must represent at least 50% of total salary. ","",null,null,null,"x","x","x","x","5.3.2.1","E"]
["QL_210","4.C.2.2.2","Detail","The provider monitors front-line employees' productivity ratios and investigates those that are above a predetermined threshold.",{"$nulls":4},"x","x","x","x","5.3.2.2","E"]
["QL_211","4.C.3","EP","The provider protects clients' rights to respectful treatment during the loan collection process.","4.C.3","Loans are collected by staff and collection agents in an appropriate manner. (Client protection standard 5.3)",null,null,"x","x","x","x","5.4.0.0",0]
["QL_212","4.C.3.1","Indicator","The provider's collections policy includes the following:","","",null,null,"x","x","x","x","5.4.1.0",0]
["QL_213","4.C.3.1.1","Detail","A list of appropriate and inappropriate debt collections practices, including collateral seizing practices.","4.C.3.1","A policy is in force that clearly defines appropriate and inappropriate debt collection practices by staff and third parties. ",null,null,"X","x","x","x","5.4.1.1","P"]
["QL_214","4.C.3.1.2","Detail","A schedule for the collections process that allows time for the debt collector to determine the reasons for a client’s default and for the client to find solutions.","","",null,null,"X","x","x","x","5.4.1.2","E"]
["QL_215","4.C.3.1.3","Detail","The provider informs the client prior to seizure of collateral, allowing the client to attempt to remedy the default.","","",null,null,"X","x","x","x","5.4.1.3","E"]
["QL_216","4.C.3.1.4","Detail","A prohibition on sales of the clients' collateral to the provider, the staff of the provider, to their relatives, or to third parties involved in the seizing process.","","",null,null,"X","x","x","x","5.4.1.4","E"]
["QL_217","4.C.3.2","Indicator","The provider restructures or writes off loans on an exceptional basis, based on a list of cases of specific distress.","4.C.3.3","The provider has a policy for rescheduling loans/ refinancing/writing off on an exceptional basis. ",null,null,"x","x","x","x","5.4.2.0","E"]
["QL_218","4.D","Standard","The provider secures client data and informs clients about their data rights.  ","4.D","Privacy of Client Data","x","S/CP","x","x","x","x","6.0.0.0",0]
["QL_219","4.D.1","EP","The provider maintains the security and confidentiality of client data.","4.D.1","Client data is kept secure and confidential. (Client protection standard 6.1)","x","S/CP","x","x","x","x","6.1.0.0",0]
["QL_220","4.D.1.1","Indicator","The provider has data security and confidentiality policies that cover the gathering, use, distribution, storage, and retention of client information.","4.D.1.1","A policy and documented process are in place to maintain the confidentiality, security, and accuracy of clients' personal, transactional and financial information. They cover gathering, processing, use, distribution and storage of client information. ",{"$nulls":4},"","x","6.1.1.0",0]
["QL_221","4.D.1.2","Indicator","The provider maintains physical and electronic files in a secure system.","4.D.1.2","The provider's systems protect against theft or misuse of client data or identity; security breaches, and fraudulent access.","x","S/CP","x","x","x","x","6.1.2.0",0]
["QL_222","4.D.1.2.1","Detail","System access is restricted to only the data and functions that correspond to an employee's role (\"least privilege\" principle).","","","x","S/CP","x","x","x","x","6.1.2.1","E"]
["QL_223","4.D.1.2.2","Detail","The provider controls employee use of files outside the office and the provider keeps records of the names of employees who request/are granted access to client files.","","",{"$nulls":4},"","x","6.1.2.2",0]
["QL_224","4.D.1.2.3","Detail","The provider defines a clear process to safeguard client data when employees leave the organization.","","",{"$nulls":4},"","x","6.1.2.3",0]
["QL_225","4.D.1.3","Indicator","The provider conducts a risk assessment to identify the data-related risks to clients. Minimum frequency: every year","","",{"$nulls":4},"","x","6.1.3.0",0]
["QL_226","4.D.1.4","Indicator","If the provider works with third parties that have access to client data, the provider's agreements specify that third parties will maintain the security and confidentiality of client data.","","",{"$nulls":4},"","x","6.1.4.0","A",null,"3PP"]
["QL_227","4.D.2","EP","The provider informs clients about data privacy and data rights.","4.D.2","Clients are informed about data privacy and consent to the use of their data. (Client protection standard 6.2)",null,null,"x","x","x","x","6.2.0.0",0]
["QL_228","4.D.2.1","Indicator","The provider explains to clients how it will use client data, with whom it will share the data, and how third parties will use the data. The provider receives clients' consent before using or sharing their data. ","4.D.2.1","Starting at the time of the application, clients give their consent before the provider shares personal information with any external audience, including credit bureaus, family members, guarantors, insurance agents, collections companies, and marketing material or other public content. Staff is required to highlight the text of consent signed by a client.",null,null,"x","x","x","x","6.2.1.0","E"]
["QL_229","4.D.2.2","Indicator","Information about data use and consent is easy for clients to understand.","","",{"$nulls":4},"","x","6.2.2.0",0]
["QL_230","4.D.2.2.1","Detail","When requesting consent from clients to use their data, the provider explains in simple, local language, either in writing or orally, how it will use the data. Internet links to disclosure statements are not sufficient.","","",{"$nulls":4},"","x","6.2.2.1","A"]
["QL_231","4.D.2.2.2","Detail","The provider trains clients on the importance of protecting their personal information including Personal Identification Numbers (PINs), savings account balances and information on repayment problems.","","",{"$nulls":4},"","x","6.2.2.2",0]
["QL_232","4.D.2.2.3","Detail","The provider gives clients the right to withdraw their permission to use data and explains any consequences of withdrawal.","","",{"$nulls":4},"","x","6.2.2.3","A"]
["QL_233","4.D.2.3","Indicator","The provider notifies clients of their right to review and correct their personal and financial data. ","","",{"$nulls":4},"","x","6.2.3.0",0]
["QL_234","4.E","Standard","The provider receives and resolves client complaints.","4.E","Mechanisms for Complaints Resolution","x","S/CP","x","x","x","x","7.0.0.0",0]
["QL_235","4.E.1","EP","The provider has a complaints mechanism that is easily accessible to clients and adapted to their needs.","4.E.1","The provider has an effective system in place to receive and resolve client complaints.  (Client protection standard 7.1)","x","S/CP","x","x","x","x","7.1.0.0",0]
["QL_236","4.E.1.1","Indicator","Clients have a way to submit complaints to persons other than their loan officer/product officer and that person's supervisor.","4.E.1.1","Clients can submit complaints to the provider through someone other than their main point of contact for obtaining the product and that person's supervisor. ","x","S/CP","x","x","x","x","7.1.1.0","E"]
["QL_237","4.E.1.2","Indicator","The provider has at least two complaints channels that are free of charge and accessible to clients.","4.E.1.2","Mechanisms to submit complaints are adapted to clients' needs and preferences and easily accessible (toll free number, etc.). Suggestion boxes are not sufficient, and at least two channels are available. ",null,null,null,"x","","x","7.1.2.0","E"]
["QL_238","4.E.1.3","Indicator","The provider informs clients how to submit a complaint.","","",null,null,"x","x","x","x","7.1.3.0",0]
["QL_239","4.E.1.3.1","Detail","The provider displays information on how to submit a complaint in branch offices, at agent locations, in product documentation, and in all digital channels it uses to provide services to clients.","4.E.2.2","Information on how to submit a complaint is displayed visibly in branch offices, at agents and/or included in product documentation.",null,null,"x","x","x","x","7.1.3.1","E"]
["QL_240","4.E.1.3.2","Detail","At the time when clients are applying to use a product, the provider informs clients on how to submit a complaint both to itself and to any third party partner.","4.E.2.1","Front line staff and agents inform clients on how to submit a complaint during the product application process. This includes how to submit a complain to a mechanism other than the provider, if available (e.g., self-regulatory organization or public sector ombudsman).",null,null,null,"x","","x","7.1.3.2","A"]
["QL_241","4.E.1.4","Indicator","If the complaint mechanism initially handles complaints through automated means, the provider makes a channel with live, human interaction available to clients.","","",{"$nulls":4},"","x","7.1.4.0",0,null,"3PP"]
["QL_242","4.E.2","EP","The provider resolves complaints efficiently.","4.E.1","The provider has an effective system in place to receive and resolve client complaints.  (Client protection standard 7.1)",null,null,null,"x","","x","7.2.0.0",0]
["QL_243","4.E.2.1","Indicator","The provider's complaints policy identifies levels of severity and requires that severe complaints are escalated immediately to senior management. ","4.E.1.3","Resolution of complaints is prioritized based on their severity, and almost all complaints are resolved within one month (some exceptions may be permitted due to complexity).",null,null,null,"x","","x","7.2.1.0","A"]
["QL_244","4.E.2.2","Indicator","The provider's complaints mechanism ensures that all formal complaints are registered in a secure system that reaches the complaints handling staff and/or management.","4.E.1.4","There is a clear and secure system in place so that complaints from branches and (if applicable) agents reach the provider's complaints handling staff and/or management.",null,null,null,"x","","x","7.2.2.0","A"]
["QL_245","4.E.2.3","Indicator","The provider resolves client complaints quickly.","","",{"$nulls":4},"","x","7.2.3.0",0]
["QL_246","4.E.2.3.1","Detail","The provider sends to clients a confirmation of receipt of their complaints and a notification when the complaint has been resolved.","4.E.2.3","Clients are notified when complaints are received and when they are resolved. ",{"$nulls":4},"","x","7.2.3.1",0]
["QL_247","4.E.2.3.2","Detail","If a provider receives complaints via call centers or chat, it monitors the average wait time.","","",{"$nulls":4},"","x","7.2.3.2",0]
["QL_248","4.E.2.3.3","Detail","The provider resolves at least 90% of complaints within one month. If the resolution takes longer than one month, the provider notifies the client of the reason for the delay.","","",{"$nulls":4},"","x","7.2.3.3","A"]
["QL_249","4.E.2.4","Indicator","Complaints handling staff have access to relevant client data, including transaction details and notes from previous complaint conversations.","","",{"$nulls":4},"","x","7.2.4.0",0]
["QL_250","4.E.3","EP","The provider uses information from complaints to manage operations and improve product and service quality.","4.E.3","The provider uses information from complaints to manage operations and improve product and service quality. (Client protection standard 7.3)",null,null,null,"x","","x","7.3.0.0",0]
["QL_251","4.E.3.1","Indicator","The complaints system creates a report for management and customer care staff. Minimum frequency: monthly","4.E.3.4","The analysis of complaints data, satisfaction surveys and reason for drop-outs contributes to improving operations and services. ",{"$nulls":4},"","x","7.3.1.0",0]
["QL_252","4.E.3.2","Indicator","Management reviews complaints reports and key performance indicators (e.g., average time to resolve, percent resolved) and takes corrective action to resolve systematic problems leading to complaints. Minimum frequency: annually","4.E.3.1","Management regularly reviews KPIs (e.g., percent resolved, average time to resolve) and takes corrective action to resolve mis-handled cases and improve systematic shortcomings.",null,null,null,"x","","x","7.3.2.0",0]
["QL_253","4.E.3.3","Indicator","If the provider partners with third parties, the provider helps its clients to resolve complaints they have with those third parties.","","",{"$nulls":4},"","x","7.3.3.0",0,null,"3PP"]
["QL_254",5,"Dimension","Dimension 5: Responsible Human Resource Development",5,"","x",null,"x","x","","","",""]
["QL_255","5.A","Standard","The provider creates a safe and equitable work environment.","5.A","The provider follows a written Human Resources policy that protects employees and creates a supportive working environment.","x","S/HR","x","x","","","",""]
["QL_256","5.A.1","EP","A written Human Resources policy is available to all employees that explains and protects their rights.","5.A.1","A written Human Resources policy compliant with national law is available to all employees and explains their rights.","x","S/HR","x","x","","","","","3.4"]
["QL_257","5.A.1.1","Indicator","The provider's Human Resource policy explains employees' rights and responsibilities related to the following: ","5.A.1.1","The written HR policy is available to all employees and covers employees’ rights related to the following: ","x","S/HR","x","x","","","","","1.11/3.4"]
["QL_258","5.A.1.1.1","Detail","Work rules and disciplinary procedures","5.A.1.1.8","Disciplinary procedures and possible sanctions","x",null,"x","x","","","","","3.4"]
["QL_259","5.A.1.1.2","Detail","Grievance resolution","5.A.1.1.5","Grievance resolution","x",null,"x","x","","","","","3.4/3.5"]
["QL_260","5.A.1.1.3","Detail","Collective bargaining agreements and freedom of association ","5.A.1.1.9","Freedom of association and provision of any collective bargaining agreements","x",null,"x","x","","","","","1.11"]
["QL_261","5.A.1.1.4","Detail","Whistle blower safeguards","5.A.1.1.6","Whistle blower policy","x",null,"x","x","","","","","3.6/3.5"]
["QL_262","5.A.1.1.5","Detail","Anti-harassment safeguards","5.A.1.1.7","Anti-harassment safeguards ","x",null,"x","x","","","","","3.4"]
["QL_263","5.A.1.1.6","Detail","Conditions for dismissal and exit formalities","5.A.1.1.10","Conditions for dismissal and exit formalities ","x",null,"x","x","","","","","3.4"]
["QL_264","5.A.1.2","Indicator","The provider meets or exceeds local regulations in the following areas: ","","","x","S/HR","x","x","","","","","3.4"]
["QL_265","5.A.1.2.1","Detail","Competitive wages","5.A.2.2","Loan officer base pay is at least a living wage.","x",null,"x","x","","","","","3.4"]
["QL_266","5.A.1.2.2","Detail","Transparent salary scale","5.A.2.1","The provider has a transparent salary scale and pays salaries based on market rates and the national or sectorial minimum wage.",{"$nulls":4},"","","","","3.4"]
["QL_267","5.A.1.2.3","Detail","Benefits/social protection","5.A.1.1.2","Benefits (i.e., social protection)","x",null,"x","x","","","","","3.4"]
["QL_268","5.A.1.2.4","Detail","Limits on working hours and overtime hours","5.A.1.1.3","Working time and conditions, overtime pay or other compensation, rest periods and paid leave","x",null,"x","x","","","","","3.4"]
["QL_269","5.A.1.2.5","Detail","Overtime pay and paid leave","5.A.1.1.3","Working time and conditions, overtime pay or other compensation, rest periods and paid leave",null,null,"x","x","","","","","3.4"]
["QL_270","5.A.1.2.6","Detail","Maternity / paternity leave",{"$nulls":6},"","","",""]
["QL_271","5.A.1.3","Indicator","The provider's non-discrimination policy towards employees covers all internationally recognized Protected Categories. [Note: Protected Categories are as follows: People over 40 years old; Sex; Race/ethnicity/national extraction/social origin /caste; Religion; Health status, including HIV status; Disability; Sexual orientation; Political affiliation/opinion; Civil/marital status; Participation in a trade union.]","5.A.1.2","The following categories are covered by the financial provider's non-discrimination policy:","x","S/HR","x","x","","","","","1.11"]
["QL_272","5.A.1.4","Indicator","The provider analyzes employee data by gender and job position to check that men and women are equally represented at different levels of the organization.","","",null,null,null,"x","","","","","1.11"]
["QL_273","5.A.1.5","Indicator","The provider operates in accordance with national law on forced labor and minimum age for employment, but in no case employs workers under 14 years old. If national law does not address forced labor, the provider complies with international law.","5.A.1.3","The provider has a system in place to verify compliance with national and international legal requirements regarding forced or compulsory labor and when hiring minors; it operates in accordance with national law on minimum age for employment, but in no case employs workers under 14 years old. ","x","S/HR","x","x","","","","","1.11"]
["QL_274","5.A.2","EP","Employee compensation is equitable and adequate.","5.A.2","Employee compensation levels reflect competitive market rates, or at least the national or local sector minimum wage.","x","S/HR","x","x","","","",""]
["QL_275","5.A.2.1","Indicator","The provider pays salaries based on market rates, and never below the sectoral minimum wage.","5.A.2.1","The provider has a transparent salary scale and pays salaries based on market rates and the national or sectorial minimum wage.","x","S/HR","x","x","","","","","1.10"]
["QL_276","5.A.2.2","Indicator","Front-line employees' base pay (before incentives) is at least a living wage.","5.A.2.2","Loan officer base pay is at least a living wage.",{"$nulls":4},"","","","","1.10"]
["QL_277","5.A.2.3","Indicator","The provider analyzes salary data to check that men and women receive equal pay for equal work and have equal opportunities for pay increase/promotion.","","","x","S/HR","x","x","","","",""]
["QL_278","5.A.3","EP","The provider has a safety and health management system.","5.A.4","The provider assesses employees' health and safety risks and takes steps to mitigate them before they occur. The provider investigates, documents, and reports all occupational incidents (i.e., accidents, injuries, and diseases) that occur.","x","S/HR","x","x","","","","","3.1"]
["QL_279","5.A.3.1","Indicator","The provider assesses the health and safety risks faced by its employees and audits its existing safety measures. Minimum frequency: annually","5.A.4.1","The provider assesses, at least annually, the health and safety risks that employees face on the job, and investigates, documents, and reports all occupational accidents, injuries or diseases. The results are disaggregated by gender.","x","S/HR","x","x","","","","","3.1"]
["QL_280","5.A.3.2","Indicator","The provider documents and reports to management all occupational accidents, injuries, and illnesses. The results are disaggregated by gender and by position. Minimum frequency: annually","5.A.4.1","The provider assesses, at least annually, the health and safety risks that employees face on the job, and investigates, documents, and reports all occupational accidents, injuries or diseases. The results are disaggregated by gender.",{"$nulls":4},"","","","","3.1"]
["QL_281","5.A.3.3","Indicator","The provider takes necessary measures to mitigate hazards.","5.A.4.2","Based on this assessment, the provider takes necessary measures to mitigate those risks and provides to all employees, free of charge, training, equipment, adjustments to working hours. ",null,null,"x","x","","","","","3.1"]
["QL_282","5.A.3.3.1","Detail","The provider offers health and safety equipment, training, and adapted physical accommodations.",{"$nulls":4},"x","x","","","","","3.1"]
["QL_283","5.A.3.3.2","Detail","The provider has an emergency/disaster response plan and trains management and employees on how to follow the plan. Minimum training frequency: annually","","",null,null,"x","x","","","",""]
["QL_284","5.A.3.3.3","Detail","The provider compensates employees who miss work due to work-related injuries.","5.A.4.3","The provider compensates employees who miss work due to work-related injuries. ",{"$nulls":4},"","","",""]
["QL_285","5.B","Standard","The provider's Human Resource Development system is designed to attract and maintain a qualified and motivated workforce.","5.B","The provider communicates to all employees the terms of their employment and provides training for essential job functions.","x","S/HR","x","x","","","",""]
["QL_286","5.B.1","EP","The provider gives employees complete employment documentation and training to understand their job requirements.","5.B.1","Employees receive clear documentation related to their job responsibilities and performance evaluation.","x","S/HR","x","x","","","",""]
["QL_287","5.B.1.1","Indicator","The provider communicates to employees their individual employment terms:","5.B.1.1","Each employee has a written employment contract and receives clear documentation concerning:","x","S/HR","x","x","","","",""]
["QL_288","5.B.1.1.1","Detail","Base salary and opportunities for any other type of compensation (overtime, incentive pay)","5.B.1.1.1","Salary level","x","S/HR","x","x","","","",""]
["QL_289","5.B.1.1.2","Detail","Job description / scope of work","5.B.1.1.4","Job description / scope of work","x","S/HR","x","x","","","",""]
["QL_290","5.B.1.1.3","Detail","Performance evaluation process","5.B.1.1.6","Performance evaluation process",{"$nulls":4},"","","",""]
["QL_291","5.B.1.2","Indicator","All new employees receive an orientation and job-specific training.","5.B.2.1","All new employees receive an orientation and job-specific training.",{"$nulls":4},"","","",""]
["QL_292","5.B.1.3","Indicator","The provider makes professional development opportunities available to employees at every level.","5.B.2.2","The majority of employees receive ongoing skills training and/or skill development related to their essential job functions, at least anually.",{"$nulls":4},"","","",""]
["QL_293","5.B.1.4","Indicator","Men and women receive equal opportunities for training and skill development.","5.B.2.3","The provider evaluates whether unjustified discrepancies exist between the opportunities for training and promotion for different categories of employees (e.g., male/female, management/employees, HQ/branches). And if unjustified discrepancies exist, action is taken to correct them. ",null,null,null,"x","","","",""]
["QL_294","5.B.2","EP","The provider gives employees formal opportunities to communicate with management.","5.A.3","The provider accepts and responds to employee grievances through a formal and confidential grievance system.","x","S/HR","x","x","","","",""]
["QL_295","5.B.2.1","Indicator","The provider has a formal mechanism for consulting with employee representatives on HR decisions and policy development. The employee representatives have direct access to executive managers.","","",null,null,null,"x","","","",""]
["QL_296","5.B.2.2","Indicator","The provider has a formal grievance mechanism that allows employees to raise workplace concerns in a confidential manner.","5.A.3.1","The provider has a formal grievance mechanism in place that allows employees to raise workplace concerns (e.g., sexual harassment) in a confidential manner.","x","S/HR","x","x","","","","","3.5"]
["QL_297","5.B.2.3","Indicator","The provider surveys employees on satisfaction and concerns with employment conditions. Minimum frequency: annually","5.C.1.1","In the past 12 months, the provider has completed an analysis of employee satisfaction (including disaggregation of results by gender) and shared the results with the employees. ",{"$nulls":4},"","","",""]
["QL_298","5.C","Standard","The provider's Human Resource Development system supports its social strategy.","","",null,null,"x","x","","","",""]
["QL_299","5.C.1","EP","During the recruitment and hiring process, the provider assesses each candidate's commitment to achieving the provider's social goals and serving its target clients.","2.C.1","Employee job candidates are screened and hired for their commitment to the provider’s social goals, and their ability to carry out social performance related job responsibilities.  ",null,null,null,"x","","x","5.1.0.0",0]
["QL_300","5.C.1.1","Indicator","The provider assesses each candidate's work and personal experience related to the provider's target clients.","","",null,null,null,"x","","","",""]
["QL_301","5.C.1.2","Indicator","The provider assesses each candidate's motivation to achieve the provider's social goals.","2.C.1.1","The provider's hiring process assesses a candidate's commitment to the provider's social goals, and abilities and willingness to meet social performance-related job requirements.",{"$nulls":4},"","","",""]
["QL_302","5.C.1.3","Indicator","The new employee training/probation period for client-facing employees includes an assessment of skills and and commitment to serving the provider's target clients.","","",{"$nulls":4},"","","",""]
["QL_303","5.C.1.4","Indicator","All employees sign a document acknowledging that they will abide by the Code of Conduct.",null,"",null,null,null,"x","","x","5.1.1.0","P"]
["QL_304","5.C.2","EP","The provider trains all employees on its social goals and on client protection.","2.C.2","The provider trains and evaluates employees on both social and financial performance responsibilities related to their position. ",null,null,"x","x","x","x","8.3.0.0",0]
["QL_305","5.C.2.1","Indicator","The provider trains all employees on its social goals and how their work contributes to achieving these goals, and reinforces this on an ongoing basis.","2.C.2.1","The provider trains employees regularly, given its size and turn-over, in order to ensure employee commitment to its social goals.",{"$nulls":4},"","","",""]
["QL_306","5.C.2.2","Indicator","The provider trains employees on client protection, in line with their roles and responsibilities. The training covers at minimum the following topics:","","",null,null,"x","x","x","x","8.3.1.0"]
["QL_307","5.C.2.2.1","Detail","Repayment capacity analysis and the credit approval process","4.A.1.6","All new staff are trained on loan analysis and the credit approval process and all credit staff receive refresher trainings annually.",null,null,"x","x","x","x","8.3.1.1","P"]
["QL_308","5.C.2.2.2","Detail","How to avoid aggressive sales techniques, including how to respect clients' right to refuse products","3.B.5.2","The provider trains staff not to use aggressive sales techniques and to respect clients' right to refuse products. ",null,null,"x","x","x","x","8.3.1.2",0]
["QL_309","5.C.2.2.3","Detail","How to explain pricing, terms and conditions to clients and how to verify client understanding","4.B.3.3","Staff are trained to explain pricing, terms and conditions to clients and verify client understanding in accordance with policies, and they demonstrate this understanding in practice. They receive refresher trainings annually.",null,null,"x","x","x","x","8.3.1.3","P"]
["QL_310","5.C.2.2.4","Detail","Debt collections practices and loan recovery procedures","4.C.3.2","The provider trains staff and/or group members (if applicable) on the provider's debt collections practices and loan recovery procedures (including actions they are expected to take and those they are prohibited from taking in case of default).",null,null,"x","x","x","x","8.3.1.4","P"]
["QL_311","5.C.2.2.5","Detail","Confidentiality and data sharing policies and fraud risks, including common frauds, fraud identification, and fraud reporting","4.D.2.3","The provider has an effective training program in place to ensure that staff understand and have the skills to implement the policies and processes related to privacy of client data.",null,null,"x","x","x","x","8.3.1.5",0]
["QL_312","5.C.2.2.6","Detail","How the complaints mechanism works, how to resolve complaints against third party providers, and how to treat clients respectfully during the process","4.E.3.5","The provider's complaints handling training covers how the complaints mechanism works, the role of complaints staff, how to appropriately manage complaints until they are resolved, and how to refer them to the appropriate person for investigation and resolution. ",null,null,"x","x","x","x","8.3.1.6",0]
["QL_313","5.C.3","EP","The provider evaluates and incentivizes employees based on social and financial criteria.","2.C","Employee recruitment and evaluation is based on both social and financial performance criteria.",null,null,"x","x","x","x","8.4.0.0",0]
["QL_314","5.C.3.1","Indicator","Employee performance appraisals and incentives include client protection or social performance criteria.","2.C.3.1","Employees are incentivized on both financial and social performance criteria (see indicator 2 C 2 2).",null,null,"x","x","x","x","8.4.1.0",0]
["QL_315","5.C.3.1.1","Detail","The performance evalution includes client protection criteria, such as portfolio quality and customer service, including treating clients respectfully and without discrimination.",null,"",null,null,"x","x","x","x","8.4.1.1","A"]
["QL_316","5.C.3.1.2","Detail","The performance evalution includes social performance criteria, such as ability to recruit target clients, quality of data collection, quality of non-financial services provided, and client retention.","2.C.2.2","Employee performance appraisals include social performance factors, such as:\n- Customer service; \n- Ability to recruit target clients  (e.g., women, remote, rural communities, etc.);\n- Sensitivity to gender discrimination and other types of discrimination;\n- Quality of social data collection;\n- Client retention;\n- Portfolio quality;\n- Quality of non-financial services provided (if applicable) ",null,null,null,"x","","","",""]
["QL_317","5.C.3.2","Indicator","The provider reviews incentive schemes to check for negative consequences such as fraud, customer mistreatment, agressive sales, over-indebtedness, or high employee turnover.","2.C.3.2","The provider reviews incentive schemes at least annually to check for unintended social performance consequences (e.g., recording inaccurate client data to reach targets for poor clients; growth targets weighted more than social targets, leading to overemphasis of financial performance).",{"$nulls":4},"","x","8.4.2.0",0]
["QL_318",6,"Dimension","Dimension 6: Responsible Growth and Returns",6,"","x","S/CP","x","x","","","",""]
["QL_319","6.A","Standard","The provider manages growth in a way that promotes its social goals and mitigates risks to clients.","6.A","The provider sets and monitors growth rates that promote both institutional sustainability and social goals.",null,null,"x","x","","","",""]
["QL_320","6.A.1","EP","The provider's strategic and/or business plan establishes responsible growth targets.","6.A.1","The provider has a policy on sustainable target growth rates that considers the provider's growth capacity, institutional sustainability, and social goals.",null,null,"x","x","x","x","2.3.0.0",0]
["QL_321","6.A.1.1","Indicator","The provider adjusts growth targets to market saturation.","6.A.1.1","Target growth rates consider the following external factors:",null,null,"x","x","x","x","2.3.1.0","P"]
["QL_322","6.A.1.2","Indicator","The provider aligns growth targets to demand, by client segment, as identified in market research.","6.A.1.1.1","Demand by client type based on market research, credit bureau information, network data or other sources ",null,null,null,"x","","","",""]
["QL_323","6.A.1.3","Indicator","The provider allocates funds and human resources to reinforce the following internal capacities to ensure responsible growth:","6.A.2.3","The provider modifies internal capacity as needed.",null,null,null,"x","","","",""]
["QL_324","6.A.1.3.1","Detail","Internal control mechanisms/internal audit","","",null,null,null,"x","","","",""]
["QL_325","6.A.1.3.2","Detail","Hiring and training employees, and third-party agents as applicable","6.A.2.2.2","Employee training ",null,null,null,"x","","","",""]
["QL_326","6.A.1.3.3","Detail","Management information system quality and capacity","","",null,null,null,"x","","","",""]
["QL_327","6.A.2","EP","During times of high growth, the provider monitors more frequently data related to responsible growth.","6.A.2","The provider monitors growth and enhances internal capacity as needed. ",{"$nulls":4},"","x","2.4.0.0",0]
["QL_328","6.A.2.1","Indicator","The provider analyzes growth rates by branch/region. Minimum frequency: annually","6.A.2.1","The provider analyzes growth rates by branch/region",{"$nulls":4},"","","",""]
["QL_329","6.A.2.2","Indicator","The provider monitors the following data during times of growth, Minimum frequency: monthly","6.A.2.2","The provider monitors whether its internal capacity is keeping pace with institutional growth, including: ",{"$nulls":4},"","","",""]
["QL_330","6.A.2.2.1","Detail","Outreach indicators, including average loan size of new clients and share of new clients who are from the provider's target client group","6.A.2.2.1","Number of employees ",{"$nulls":4},"","","",""]
["QL_331","6.A.2.2.2","Detail","Quality of service indicators segmented by branch, including portfolio at risk and number of complaints","","",{"$nulls":4},"","","",""]
["QL_332","6.A.2.2.3","Detail","Human resource capacity indicators, including clients per field officer, ratio of internal audit staff to total number of staff, hours of training for new employees (by position), and employee turnover (by position)","6.A.2.2.2","Employee training ",{"$nulls":4},"","","",""]
["QL_333","6.A.2.3","Indicator","When the provider identifies growth that is harmful to clients, it takes mitigating action such as reducing growth targets, applying more conservative loan approval criteria, or limiting the total number of loans an individual can have at one time.",{"$nulls":6},"","x","2.4.1.0",0]
["QL_334","6.B","Standard","The provider sets prices responsibly.","6.C","The provider sets prices responsibly.","x","S/CP","x","x","x","x","4.0.0.0",0]
["QL_335","6.B.1","EP","The provider charges fair prices.","6.C.2","The provider’s pricing policy is aligned with the interest of clients. (Client Protection standard 4.2)","x","S/CP","x","x","x","x","4.1.0.0",0]
["QL_336","6.B.1.1","Indicator","The interest rate takes into account the following costs required to deliver credit: funding costs, operating costs, loan losses, and returns to capital.","6.C.2.3","The interest rate is set to be affordable, taking into account the costs required to deliver credit (considering cost of funding, operations, loan losses and returns to capital). ",{"$nulls":4},"","x","4.1.1.0","A"]
["QL_337","6.B.1.2","Indicator","Annual Percentage Rate (APR) for all of the provider's major credit products (> 20% portfolio) is within 15% of its peers. If it is outside the range, the provider can provide a valid justification.","6.C.2.3.1","Annual Percentage Rate (APR) for all of the provider's major products (> 20% portfolio) is within the accepted performance range. If it is outside the range, the provider can provide a valid justification. ","x","S/CP","x","x","x","x","4.1.2.0","E"]
["QL_338","6.B.1.3","Indicator","The provider discloses loan interest on a declining balance and according to the exact date of payment.","6.C.2.2.1","Interest is calculated in a straightforward manner (on a declining balance; according to the exact date of payment; for deposits -- based on daily balances) ",null,null,"x","x","x","x","4.1.3.0","A"]
["QL_339","6.B.1.4","Indicator","Loan interest (including arrears interest) does not accrue past 180 days in arrears, at maximum.","6.C.2.2.2","Loan interest (including arrears interest) stops accruing after 180 days of arrears. ",null,null,"x","x","x","x","4.1.4.0","P"]
["QL_340","6.B.2","EP","The provider charges reasonable fees.","6.C.2.4","The provider's fees are reasonable. ",{"$nulls":4},"","x","4.2.0.0",0]
["QL_341","6.B.2.1","Indicator","The provider does not charge clients for confirmation of transactions and balance inquiries. ","6.C.2.4.1","The provider does not charge clients for confirmation of transactions and balance inquiries. Fees are acceptable for repeated balance or receipt requests over a stated frequency. ",{"$nulls":4},"","x","4.2.1.0",0]
["QL_342","6.B.2.2","Indicator","Prepayment penalties do not include the interest that would have accrued between time of prepayment and the end of the loan term.","6.C.2.4.2","Any prepayment penalty does not include interest that would be accrued between time of pre-payment and the end of the loan term. ",{"$nulls":4},"","x","4.2.2.0",0]
["QL_343","6.B.2.3","Indicator","Arrears interest and penalties do not compound debt; they are calculated based on the principal amount only.","6.C.2.4.3","Arrears interest and penalties do not compound debt; they are calculated based on the principal amount only. ",{"$nulls":4},"","x","4.2.3.0",0]
["QL_344","6.B.2.4","Indicator","If the provider offers savings, it charges reasonable fees on savings accounts.","","",{"$nulls":4},"","x","4.2.4.0",0,null,"SVG"]
["QL_345","6.B.2.4.1","Detail","Fees on deposit accounts are not disproportionately high relative to small deposit balances.","6.C.2.4.4","Fees on deposit accounts are not disproportionately high relative to small deposit balances. ",{"$nulls":4},"","x","4.2.4.1","P",null,"SVG"]
["QL_346","6.B.2.4.2","Detail","The fee structure for deposit accounts does not allow zeroing out accounts through repeated application of fees.","","",{"$nulls":4},"","x","4.2.4.2",0,null,"SVG"]
["QL_347","6.B.3","EP","The provider does not transfer unnecessary costs to clients.","6.C.3","The provider's financial ratios do not signal pricing issues. (Client Protection standard 4.3)",null,null,"x","x","x","x","4.3.0.0",0]
["QL_348","6.B.3.1","Indicator","Loan Loss Expense Ratio (LLER Ratio) is within the accepted performance range. If it is outside the range, the provider can provide a valid justification.","6.C.3.1"," Loan Loss Expense Ratio (LLER Ratio) is within the accepted performance range. If it is outside the range, the provider can provide a valid justification. ",null,null,null,"x","","x","4.3.1.0",0]
["QL_349","6.B.3.2","Indicator","Operating expense Ratio (OER Ratio) is within the accepted performance range. If outside of the range, the provider can provide a valid justification.","6.C.3.2","The provider is not transferring unnecessary costs to clients: Operating expense Ratio (OER Ratio) is within the accepted performance range. If outside of the range, the provider can provide a valid justification. ",null,null,"x","x","x","x","4.3.2.0","E"]
["QL_350","6.B.3.3","Indicator","Return on Assets (ROA) is within the accepted performance range. If outside of the range, the provider can provide a valid justification.","6.C.3.3","Return on Assets (ROA) is within the accepted performance range. If outside of the range, the provider can provide a valid justification. ",null,null,"x","x","x","x","4.3.3.0","A"]
["QL_351","6.C","Standard","The provider uses profits responsibly.","6.B","Equity investors, lenders, board and management are aligned on the provider’s social goals and implement an appropriate financial structure in its mix of sources, terms, and desired returns.","x",null,null,"x","","","",""]
["QL_352","6.C.1","EP","The provider engages with equity investors whose investment strategy is aligned with the provider's social goals.","6.B.1","The provider has clear policies, consistent with its social goals, on its desired level of returns and on how profits will be used. ",null,null,null,"x","","","",""]
["QL_353","6.C.1.1","Indicator","The provider discusses its social goals with potential equity investors and asks about their planned timeframe for investment and exit strategies to assess alignment on social strategy.","6.B.2.1","The provider discusses with potential investors to ensure exit strategies are aligned with social goals.",{"$nulls":4},"","","",""]
["QL_354","6.C.1.2","Indicator","The board of directors prioritizes accepting investment offers from investors whose investment strategy is aligned with the provider's social strategy.","6.B.2.1","The provider discusses with potential investors to ensure exit strategies are aligned with social goals.",{"$nulls":4},"","","",""]
["QL_355","6.C.1.3","Indicator","The shareholder agreement specifies the following:","6.B.2.2","The provider and its funders (e.g., investors, lenders, shareholders, donors) have a written document that specifies a common view on:",null,null,null,"x","","","",""]
["QL_356","6.C.1.3.1","Detail","Commitment to social goals","6.B.2.2.1","The provider's mission and social goals ",null,null,null,"x","","","",""]
["QL_357","6.C.1.3.2","Detail","Expected level and use of profits","6.B.2.2.2","Expectations for financial returns",null,null,null,"x","","","",""]
["QL_358","6.C.1.3.3","Detail","Expected investment timeline / exit strategy","6.B.2.2.3","Timeframe for the investment / support",null,null,null,"x","","","",""]
["QL_359","6.C.2","EP","The provider uses its profits for expenditures that benefit clients.","","",null,null,null,"x","","","",""]
["QL_360","6.C.2.1","Indicator","The provider's use of profits in the previous year included at least one of the following investments: strengthening its social or environmental performance management practices, provision of non-financial services, lowering of prices, or local community investment.","","",null,null,null,"x","","","",""]
["QL_361","6.C.2.2","Indicator","The provider has a policy that specifies when dividends may be paid and in what amount, in alignment with its social goals.","6.B.1.2","The provider has clearly defined guidelines on profitability and the use of profits that are in line with its social goals.",{"$nulls":4},"","","",""]
["QL_362","6.C.3","EP","The provider has a transparent financial and social structure.","6.B.4","The provider has a transparent financial structure, as reflected in its annual audited financial statements.","x","G","x","x","","","",""]
["QL_363","6.C.3.1","Indicator","The provider publicly discloses its annual audited financial statements.","6.B.4.2","The provider's annual audited accounts are publicly available.","x","G","x","x","","","",""]
["QL_364","6.C.3.2","Indicator","The provider discloses the results of its social audits and outcomes measurement to all stakeholders, upon request.","","",null,null,null,"x","","","",""]
["QL_365","6.C.3.3","Indicator","The provider discloses the compensation of senior management to donors, raters, investors and other stakeholders, upon request.","6.D.2.1","In keeping with the International Financial Reporting Standards (IFRS), the provider transparently discloses compensation to regulators, donors, raters, and investors, upon request.",{"$nulls":4},"","","",""]
["QL_366",7,"Dimension","Dimension 7: Environmental Performance Management","","","x","E","x","x","","","",""]
["QL_367","7.A","Standard","The provider has an environmental strategy and systems in place to implement it.","7.A","The provider defines, manages and monitors its environmental strategy.","x","E","x","x","","","",""]
["QL_368","7.A.1","EP","The provider has a strategy to achieve its environmental goals.","7.A.1","The provider defines its environmental strategy.","x","E","x","x","","","",""]
["QL_369","7.A.1.1","Indicator","The provider has a documented strategy that specifies its intention to achieve at least one of the following environmental goals:\n- Reduce the provider's own adverse impacts on the environment\n- Reduce clients' vulnerability to climate change and environmental degradation \n- Reduce clients' adverse impacts on the environment\n- Foster the adoption of green practices and technologies, and meet clients' demands and needs for them","1.B.3.2","The provider has a formal environmental policy which specifies its environmental goals, targets, and indicators.","x","E","x","x","","","","","1.11/2.15"]
["QL_370","7.A.1.2","Indicator","The strategy defines indicators and targets to measure the provider's progress toward its environmental goals.","7.A.1.2","The provider has a formal environmental policy which specifies its environmental goals, targets, and indicators.",{"$nulls":4},"","","",""]
["QL_371","7.A.1.3","Indicator","The provider operates in accordance with national and international laws and regulations on environmental protection.","","",null,null,null,"x","","","",""]
["QL_372","7.A.2","EP","The provider collects, analyzes, and reports data that are specific to its environmental goals.","","",null,null,"x","x","","","",""]
["QL_373","7.A.2.1","Indicator","The provider collects the following data on an ongoing basis to measure whether it is achieving its environmental goals. Minimum frequency: annually","","",null,null,"x","x","","","",""]
["QL_374","7.A.2.1.1","Detail","The provider's own adverse impacts on the environment","7.B.2.1","The provider tracks the achievement of several quantitative targets set for energy usage, water usage, paper usage, fuel consumption, waste production, and/or greenhouse gas emissions at headquarters and branches. ",null,null,"x","x","","","",""]
["QL_375","7.A.2.1.2","Detail","Clients' vulnerability to climate change and environmental degradation","","",null,null,"x","x","","","",""]
["QL_376","7.A.2.1.3","Detail","Clients' adverse impacts on the environment","","",null,null,"x","x","","","",""]
["QL_377","7.A.2.1.4","Detail","Outcomes related to its green products and services, including both positive and negative changes for clients, their households, and the environment","","",{"$nulls":4},"","","",""]
["QL_378","7.A.2.2","Indicator","The provider reports environmental performance data internally and externally. Minimum frequency: annually.","1.B.3.4","The provider reports on its environmental performance and practices through:",null,null,null,"x","","","",""]
["QL_379","7.A.2.2.1","Detail","The provider publishes a report that includes environmental performance data. ","1.B.3.4.2","Public reports (annual reports)",null,null,null,"x","","","",""]
["QL_380","7.A.2.2.2","Detail","The provider discusses environmental performance results with employees. ","","",{"$nulls":4},"","","",""]
["QL_381","7.A.3","EP","The provider's governance and management structure ensures the implementation and oversight of the environmental strategy.","","",{"$nulls":4},"","","",""]
["QL_382","7.A.3.1","Indicator","The board and management make strategic decisions based on the following environmental performance data. Minimum frequency: annually.","","",{"$nulls":4},"","","",""]
["QL_383","7.A.3.1.1","Detail","Analysis of the provider's own adverse impacts on the environment","","",{"$nulls":4},"","","",""]
["QL_384","7.A.3.1.2","Detail","Proportion of the portfolio that is vulnerable to climate change and environmental degradation, and the proportion generating adverse impacts on the environment","","",{"$nulls":4},"","","",""]
["QL_385","7.A.3.1.3","Detail","Positive and negative outcomes for clients from implementing green practices and technologies","","",{"$nulls":4},"","","",""]
["QL_386","7.A.3.2","Indicator","The provider defines roles and responsibilities for implementing the environmental strategy.",null,0,null,null,null,"x","","","",""]
["QL_387","7.A.3.2.1","Detail","A dedicated senior management person or team is responsible for the execution of the environmental strategy.","1.B.3.3","The provider has a person or a committee appointed to manage environmental issues.",null,null,null,"x","","","",""]
["QL_388","7.A.3.2.2","Detail","The provider integrates its environmental strategy in job descriptions and objectives for all relevant roles.","","",null,null,null,"x","","","",""]
["QL_389","7.A.3.3","Indicator","The provider trains board members, management and employees on their respective roles and responsibilities, and builds capacity as needed, for implementing the environmental strategy.","","",null,null,"X","x","","","",""]
["QL_390","7.B","Standard","The provider identifies and manages environmental risks and opportunities.","7.B","The provider manages its internal environmental risks.","x","E","x","x","","","",""]
["QL_391","7.B.1","EP","The provider identifies and manages its own environmental risks at headquarters and branch level.","","","x","E","x","x","","","",""]
["QL_392","7.B.1.1","Indicator","The provider assesses the vulnerability of its properties, buildings, and human resources to climate shocks.","","",{"$nulls":4},"","","",""]
["QL_393","7.B.1.2","Indicator","The provider has a contingency plan to mitigate the vulnerability of its properties, buildings, and human resources to climate shocks.","","",{"$nulls":4},"","","",""]
["QL_394","7.B.1.3","Indicator","The provider identifies the adverse impacts of its internal activities on the environment.","","",{"$nulls":4},"","","",""]
["QL_395","7.B.1.4","Indicator","The provider avoids, minimizes and/or offsets the adverse impacts of its internal activities on the environment linked to\n- Energy consumption\n- Water consumption\n- Paper consumption\n- Transportation and fuel consumption\n- Waste production\n- Greenhouse gas emissions","7.B.1.1","The provider implements several actions to increase energy efficiency, use renewable energy sources, recycle waste produced, and/or reduce energy usage, water usage, paper usage, fuel consumption, waste production and/or greenhouse gas emissions at headquarters and branches.","x","E","x","x","","","",""]
["QL_396","7.B.2","EP","The provider identifies and manages client-level environmental risks.","7.B.1.1","The provider implements several actions to increase energy efficiency, use renewable energy sources, recycle waste produced, and/or reduce energy usage, water usage, paper usage, fuel consumption, waste production and/or greenhouse gas emissions at headquarters and branches.","x","E","x","x","","","",""]
["QL_397","7.B.2.1","Indicator","The provider identifies clients' vulnerability to climate change and environmental degradation related to the following:\n- climate change\n- biodiversity loss\n- pollution and other environmental degradation.","","","x","E","x","x","","","",""]
["QL_398","7.B.2.2","Indicator","The provider identifies clients' adverse impacts on the environment, related to the following:\n- Greenhouse gas emission\n- Air, water, or soil pollution, including the use and improper storage of hazardous chemicals\n- Deforestation, land degradation, biodiversity loss, protected wildlife/areas, in particular linked to biodiversity-sensitive areas\n- Waste production and management","7.C.1.1","The provider uses specific tools to evaluate the environmental risks of clients’ activities.","x","E","x","x","","","","","1.7"]
["QL_399","7.B.2.3","Indicator","The provider develops risk mitigation policies and processes in response to identified vulnerability and adverse environmental impacts and integrates them into its standard risk management system.","","",null,null,null,"x","","","",""]
["QL_400","7.B.2.4","Indicator","The provider categorizes loan applications according to their level of environmental risks and implements at least one of the following actions for loan applications with high environmental risks: \n- Conducts additional analysis of environmental risks.\n- Excludes or limits financing, taking into account potential trade-offs with the provider's social and financial performance.\n- Includes environmental clauses in the loan contract, conditioning loan renewal or provision of incentives on the adoption of mitigation solutions and/or green practices.","7.C.2.1","The provider categorizes loan applications according to the level of environmental risk and applies specific procedures according to each risk category. ","x","E","x","x","","","","","1.7"]
["QL_401","7.B.3","EP","The provider identifies opportunities to finance green practices and technologies.",null,0,null,null,"x","x","","","",""]
["QL_402","7.B.3.1","Indicator","The provider identifies green practices and technologies that create benefits for clients in at least one of the following ways: \n- improve access to basic services.\n- increase productivity, revenue, efficiency, or quality of production.\n- reduce adverse impacts on the environment and on health.\n- reduce vulnerability to climate change or environmental degradation.",null,0,{"$nulls":4},"","","",""]
["QL_403","7.B.3.2","Indicator","The provider ensures that the practices or technologies identified are recognized as \"green\" by an environmental taxonomy and/or comply with clear environmental criteria.","","",null,null,"x","x","","","",""]
["QL_404","7.B.3.3","Indicator","The provider conducts market research for the green practices and technologies identified, with at least one of the following objectives:\n- Assess demand for green practices and technologies, and related financial needs of target clients.\n- Identify local technology or technical providers of green practices and technologies, and the quality of their practices and technologies.\n- Identify local market and regulation incentives or disincentives for green practices and technologies.","","",{"$nulls":4},"","","",""]
["QL_405","7.C","Standard","The provider offers financial and non-financial products and services to achieve its environmental goals.","7.D","The provider fosters green opportunities.",null,null,"x","x","","","",""]
["QL_406","7.C.1","EP","The provider offers financial products and services to achieve its environmental goals.","7.D.3","The provider offers other green financial or non-financial products or services.",null,null,"x","x","","","",""]
["QL_407","7.C.1.1","Indicator","The provider offers at least one of the following financial products or services to help clients cope with climate shocks:","","",null,null,null,"x","","","",""]
["QL_408","7.C.1.1.1","Detail","Emergency loans, loans rescheduling, or loans restructuring","","",null,null,null,"x","","","",""]
["QL_409","7.C.1.1.2","Detail","Agricultural or climate insurance products","7.D.3.2","The provider offers, directly or via a third-party insurer, agricultural or climatic micro-insurance products that contribute to help clients become more resilient to environmental shocks or climate change.",null,null,null,"x","","","",""]
["QL_410","7.C.1.1.3","Detail","Saving products, money transfer, remittances, or guarantees","","",null,null,null,"x","","","",""]
["QL_411","7.C.1.2","Indicator","The provider offers loans that allow its clients to implement or maintain green practices and technologies, including:","7.D.3.1","The provider offers specific loan products dedicated to promoting other environmentally-friendly practices and activities (e.g: recycling, waste management, clean water, etc.).",null,null,null,"x","","","","","1.11"]
["QL_412","7.C.1.2.1","Detail","Sustainable agriculture, animal breeding, or fishery practices (\"nature-based solutions\")","7.D.2.1","The provider offers specific loan products or other financial products dedicated to promoting sustainable or climate-smart agriculture. ",null,null,null,"x","","","","","1.11/2.11"]
["QL_413","7.C.1.2.2","Detail","Clean energy and energy efficiency technologies","7.D.1.1","The provider offers specific loan products to finance renewable energy (RE) and/or energy efficiency (EE) technologies.",null,null,null,"x","","","",""]
["QL_414","7.C.1.2.3","Detail","Improved access to clean drinking water and sanitation","","",null,null,null,"x","","","",""]
["QL_415","7.C.1.2.4","Detail","Waste management and recycling (\"circular economy\")","7.D.3.1","The provider offers specific loan products dedicated to promoting other environmentally-friendly practices and activities (e.g: recycling, waste management, clean water, etc.).",null,null,null,"x","","","",""]
["QL_416","7.C.1.3","Indicator","The provider offers dedicated green loans and promotes their uptake and responsible use by doing the following:","","","x",null,"x","x","","","",""]
["QL_417","7.C.1.3.1","Detail","Defining financial conditions (loan amount, term, repayment schedule) adapted to the green practice or technology financed","","",null,null,"x","x","","","",""]
["QL_418","7.C.1.3.2","Detail","Documenting the costs, return on investment, and benefits of the green practices or technologies financed","","",null,null,null,"x","","","",""]
["QL_419","7.C.1.3.3","Detail","Having dedicated marketing material and channels","","",null,null,null,"x","","","",""]
["QL_420","7.C.1.3.4","Detail","Verifying that clients are using green loans to invest in green technologies and practices ","","","x",null,"x","x","","","",""]
["QL_421","7.C.1.3.5","Detail","Entering into partnerships with third parties to increase the provider's ability to offer high quality green practices and technologies to its clients","","","x",null,"x","x","","","",""]
["QL_422","7.C.2","EP","The provider offers non-financial services to achieve its environmental goals.","","",null,null,"x","x","","","",""]
["QL_423","7.C.2.1","Indicator","The provider raises awareness of its clients on their vulnerability to climate change and environmental degradation, on their adverse impacts on the environment, and/or on green practices and technologies, through at least one of the following channels:\n- Leaflets, brochures, posters, videos\n- Individual talks\n- Awareness-raising events or activities","7.C.3.1","The provider conducts activities to raise clients' awareness on environmental risks linked to clients' activities and on possible mitigation strategies.",null,null,"x","x","","","",""]
["QL_424","7.C.2.2","Indicator","The provider builds the capacity of its clients to reduce their vulnerability to climate change and environmental degradation, to mitigate their adverse impacts on the environment, and/or to adopt green practices and technologies, by offering at least one of the following services:\n- Field visits or peer-learning opportunities\n- Trainings\n- Technical assistance to implement or maintain green practices and technologies, including after-sales services","7.D.3.3","The provider offers trainings to its clients, directly or in partnership with environmental organizations, on environmentally-friendly practices or businesses.",null,null,"x","x","","","",""]
["QL_425","7.C.2.3","Indicator","The provider partners with third parties to offer training to clients on environmental risks and opportunities, and/or technical support to clients for the implementation or maintenance of green practices and technologies.","7.D.3.3","The provider offers trainings to its clients, directly or in partnership with environmental organizations, on environmentally-friendly practices or businesses.",{"$nulls":4},"","","",""]
["QL_426",{"$nulls":9},""]
["QL_427",{"$nulls":9},"",""]
["QL_428",{"$nulls":9},"",""]
["QL_429",{"$nulls":9},"",""]
["QL_430",{"$nulls":9},"",""]
["QL_431",{"$nulls":9},"",""]
["QL_432",{"$nulls":9},"",""]
["QL_433",{"$nulls":9},"",""]
["QL_434",{"$nulls":9},"",""]
["QL_435",{"$nulls":9},"",""]
["QL_436",{"$nulls":9},"",""]
["QL_437",{"$nulls":9},"",""]
["QL_438",{"$nulls":9},"",""]
["QL_439",{"$nulls":9},"",""]
["QL_440",{"$nulls":9},"",""]
["QL_441",{"$nulls":9},"",""]
["QL_442",{"$nulls":9},"",""]
["QL_443",{"$nulls":9},"",""]
["QL_444",{"$nulls":9},"",""]
["QL_445",{"$nulls":9},"",""]
["QL_446",{"$nulls":9},"",""]
["QL_447",{"$nulls":9},"",""]
["QL_448",{"$nulls":9},"",""]
["QL_449",{"$nulls":9},"",""]
["QL_450",{"$nulls":9},"",""]
["QL_451",{"$nulls":9},"",""]
["QL_452",{"$nulls":9},"",""]
["QL_453",{"$nulls":9},"",""]
["QL_454",{"$nulls":9},"",""]
["QL_455",{"$nulls":9},"",""]
["QL_456",{"$nulls":9},"",""]
["QL_457",{"$nulls":9},"",""]
["QL_458",{"$nulls":9},"",""]
["QL_459",{"$nulls":9},"",""]
["QL_460",{"$nulls":9},"",""]
["QL_461",{"$nulls":9},"",""]
["QL_462",{"$nulls":9},"",""]
["QL_463",{"$nulls":9},"",""]
["QL_464",{"$nulls":9},"",""]
["QL_465",{"$nulls":9},"",""]
["QL_466",{"$nulls":9},"",""]
["QL_467",{"$nulls":9},"",""]
["QL_468",{"$nulls":9},"",""]
["QL_469",{"$nulls":9},"",""]
["QL_470",{"$nulls":9},"",""]
["QL_471",{"$nulls":9},"",""]
["QL_472",{"$nulls":9},"",""]
["QL_473",{"$nulls":9},"",""]
["QL_474",{"$nulls":9},"",""]
["QL_475",{"$nulls":9},"",""]
["QL_476",{"$nulls":9},"",""]
["QL_477",{"$nulls":9},"",""]
["QL_478",{"$nulls":9},"",""]
["QL_479",{"$nulls":9},"",""]
["QL_480",{"$nulls":9},"",""]
["QL_481",{"$nulls":9},"",""]
["QL_482",{"$nulls":9},"",""]
["QL_483",{"$nulls":9},"",""]
["QL_484",{"$nulls":9},"",""]
["QL_485",{"$nulls":9},"",""]
["QL_486",{"$nulls":9},"",""]
["QL_487",{"$nulls":9},"",""]
["QL_488",{"$nulls":9},"",""]
["QL_489",{"$nulls":9},"",""]
["QL_490",{"$nulls":9},"",""]
["QL_491",{"$nulls":9},"",""]
["QL_492",{"$nulls":9},"",""]
["QL_493",{"$nulls":9},"",""]
["QL_494",{"$nulls":9},"",""]
["QL_495",{"$nulls":9},"",""]
["QL_496",{"$nulls":9},"",""]
["QL_497",{"$nulls":9},"",""]
["QL_498",{"$nulls":9},"",""]
["QL_499",{"$nulls":9},"",""]
["QL_500",{"$nulls":9},"",""]
["QL_501",{"$nulls":9},"",""]
["QL_502",{"$nulls":9},"",""]
["QL_503",{"$nulls":9},"",""]
["QL_504",{"$nulls":9},"",""]
["QL_505",{"$nulls":9},"",""]
["QL_506",{"$nulls":9},"",""]
["QL_507",{"$nulls":9},"",""]
["QL_508",{"$nulls":9},"",""]
["QL_509",{"$nulls":9},"",""]
["QL_510",{"$nulls":9},"",""]
["QL_511",{"$nulls":9},"",""]
["QL_512",{"$nulls":9},"",""]
["QL_513",{"$nulls":9},"",""]
["QL_514",{"$nulls":9},"",""]
["QL_515",{"$nulls":9},"",""]
["QL_516",{"$nulls":9},"",""]
["QL_517",{"$nulls":9},"",""]
["QL_518",{"$nulls":9},"",""]
["QL_519",{"$nulls":9},"",""]
["QL_520",{"$nulls":9},"",""]
["QL_521",{"$nulls":9},"",""]
["QL_522",{"$nulls":9},"",""]
["QL_523",{"$nulls":9},"",""]
["QL_524",{"$nulls":9},"",""]
["QL_525",{"$nulls":9},"",""]
["QL_526",{"$nulls":9},"",""]
["QL_527",{"$nulls":9},"",""]
["QL_528",{"$nulls":9},"",""]
["QL_529",{"$nulls":9},"",""]
["QL_530",{"$nulls":9},"",""]
["QL_531",{"$nulls":9},"",""]
["QL_532",{"$nulls":9},"",""]
["QL_533",{"$nulls":9},"",""]
["QL_534",{"$nulls":9},"",""]
["QL_535",{"$nulls":9},"",""]
["QL_536",{"$nulls":9},"",""]
["QL_537",{"$nulls":9},"",""]
["QL_538",{"$nulls":9},"",""]
["QL_539",{"$nulls":9},"",""]
["QL_540",{"$nulls":9},"",""]
["QL_541",{"$nulls":9},"",""]
["QL_542",{"$nulls":9},"",""]
["QL_543",{"$nulls":9},"",""]
["QL_544",{"$nulls":9},"",""]
["QL_545",{"$nulls":9},"",""]
["QL_546",{"$nulls":9},"",""]
["QL_547",{"$nulls":9},"",""]
["QL_548",{"$nulls":9},"",""]
["QL_549",{"$nulls":9},"",""]
["QL_550",{"$nulls":9},"",""]
["QL_551",{"$nulls":9},"",""]
["QL_552",{"$nulls":9},"",""]
["QL_553",{"$nulls":9},"",""]
["QL_554",{"$nulls":9},"",""]
["QL_555",{"$nulls":9},"",""]
["QL_556",{"$nulls":9},"",""]
["QL_557",{"$nulls":9},"",""]
["QL_558",{"$nulls":9},"",""]
["QL_559",{"$nulls":9},"",""]
["QL_560",{"$nulls":9},"",""]
["QL_561",{"$nulls":9},"",""]
["QL_562",{"$nulls":9},"",""]
["QL_563",{"$nulls":9},"",""]
["QL_564",{"$nulls":9},"",""]
["QL_565",{"$nulls":9},"",""]
["QL_566",{"$nulls":9},"",""]
["QL_567",{"$nulls":9},"",""]
["QL_568",{"$nulls":9},"",""]
["QL_569",{"$nulls":9},"",""]
["QL_570",{"$nulls":9},"",""]
["QL_571",{"$nulls":9},"",""]
["QL_572",{"$nulls":9},"",""]
["QL_573",{"$nulls":9},"",""]
["QL_574",{"$nulls":9},"",""]
["QL_575",{"$nulls":9},"",""]
["QL_576",{"$nulls":9},"",""]
["QL_577",{"$nulls":9},"",""]
["QL_578",{"$nulls":9},"",""]
["QL_579",{"$nulls":9},"",""]
["QL_580",{"$nulls":9},"",""]
["QL_581",{"$nulls":9},"",""]
["QL_582",{"$nulls":9},"",""]
["QL_583",{"$nulls":9},"",""]
["QL_584",{"$nulls":9},"",""]
["QL_585",{"$nulls":9},"",""]
["QL_586",{"$nulls":9},"",""]
["QL_587",{"$nulls":9},"",""]
["QL_588",{"$nulls":9},"",""]
["QL_589",{"$nulls":9},"",""]
["QL_590",{"$nulls":9},"",""]
["QL_591",{"$nulls":9},"",""]
["QL_592",{"$nulls":9},"",""]
["QL_593",{"$nulls":9},"",""]
["QL_594",{"$nulls":9},"",""]
["QL_595",{"$nulls":9},"",""]
["QL_596",{"$nulls":9},"",""]
["QL_597",{"$nulls":9},"",""]
["QL_598",{"$nulls":9},"",""]
["QL_599",{"$nulls":9},"",""]
["QL_600",{"$nulls":9},"",""]
["QL_601",{"$nulls":9},"",""]
["QL_602",{"$nulls":9},"",""]
["QL_603",{"$nulls":9},"",""]
["QL_604"]
["QL_605"]
["QL_606"]
["QL_607"]
["QL_608"]
["QL_609"]
["QL_610"]
["QL_611"]
["QL_612"]
["QL_613"]
["QL_614"]
["QL_615"]
["QL_616"]
["QL_617"]
["QL_618"]
["QL_619"]
["QL_620"]
["QL_621"]
["QL_622"]
["QL_623"]
["QL_624"]
["QL_625"]
["QL_626"]
["QL_627"]
["QL_628"]
["QL_629"]

{"sheet":"OrgInfo","index":1,"n_rows":374,"n_cols":26,"rows_kept":374,"cut":false,"hidden":true,"merged":[]}
["QN",null,"QN","org_info_id",null,"LEVEL","obligatory?","FORMAT","LIST NAME","ACTIVITY","ESG","ALINUS","SPI5 ENTRY","SPI5 FULL","D7/Green","CP COMMIT","CP FULL","CP CERTIF","PAI/SFDR","DFI ESG example","2X challenge","SDG","Guidance","IFC PS???","BIA??","PAI/SFDR"]
["QN_1","ORG_1_1","QN_1","ORG_1_1","ORGANIZATION",1,null,"cadre",null,null,"x","x","x","x","x","x","x","x"]
["QN_2","ORG_1","QN_2","ORG_1","General Information",2,null,"cadre",null,null,"x","x","x","x","x","x","x","x"]
["QN_3","ORG_5","QN_3","ORG_5","Year of creation",3,"x","nombre sans décimales",null,null,"x","x","x","x","x","x","x","x"]
["QN_4","ORG_6","QN_4","ORG_6","Legal form",3,"x","Liste","Legal form",null,"x","x","x","x","x","x","x","x"]
["QN_5","ORG_7","QN_5","ORG_7","Regulated",3,null,"Liste","Regulated",null,"x","x","x","x",null,"x","x","x"]
["QN_6","ORG_8","QN_6","ORG_8","Status",3,"x","Liste","Statut",{"$nulls":4},"x"]
["QN_7","ORG_8_1","QN_7","ORG_8_1","Lending Methodology",3,null,"Liste","Lending methodology",{"$nulls":4},"x"]
["QN_8","ORG_12","QN_8","ORG_12","Currency used in the report (in 3-letter currency code)",3,"x","Liste","Currency",null,"x","x","x","x",null,"x","x","x"]
["QN_9","ORG_14","QN_9","ORG_14","Context",2,null,"cadre",null,null,"x","x","x","x","x","x","x","x"]
["QN_10","ORG_11","QN_10","ORG_11","Data as of date:",3,"x","champs libre date",null,null,"x","x","x","x","x","x","x","x"]
["QN_11","ORG_16_1","QN_11","ORG_16_1","Exchange rate in report currency : 1 USD=",3,"x","Nombre avec décimales",null,null,"x","x","x","x","x","x","x","x"]
["QN_12","ORG_18_1","QN_12","ORG_18_1","GNI/capita (in USD)",3,"x","nombre sans décimales",null,null,"x","x","x","x","x","x","x","x"]
["QN_13","ORG_19","QN_13","ORG_19","Social Objectives",2,null,"cadre",null,null,null,"x","x","x","x"]
["QN_14","ORG_20","QN_14","ORG_20","Mission statement",3,"x","champs libre long",null,null,null,"x","x","x","x"]
["QN_15","ORG_21_1","QN_15","ORG_21_1","Which United Nations' Sustainable Development Goals (SDGs) the provider specifically pursue through its provision of financial and non-financial products and services? \nPlease select a maximum of four:",3,null,"cadre",null,null,null,"x","x","x",{"$nulls":7},"x"]
["QN_16","ORG_23_1","QN_16","ORG_23_1","SDG 1 - No Poverty",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_17","ORG_24_1","QN_17","ORG_24_1","SDG 2 - Zero Hunger",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_18","ORG_25_1","QN_18","ORG_25_1","SDG 3 - Good Health and Well-being",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_19","ORG_26_1","QN_19","ORG_26_1","SDG 4 - Quality Education",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_20","ORG_27_1","QN_20","ORG_27_1","SDG 5 - Gender Equality",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":6},"x","x"]
["QN_21","ORG_28_1","QN_21","ORG_28_1","SDG 6 - Clean Water and Sanitation",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_22","ORG_29_1","QN_22","ORG_29_1","SDG 7 - Affordable and Clean Energy",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_23","ORG_30_1","QN_23","ORG_30_1","SDG 8 - Decent Work and Economic Growth",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_24","ORG_31_1","QN_24","ORG_31_1","SDG 9 - Industry,  Innovation and Infrastructure",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_25","ORG_32_1","QN_25","ORG_32_1","SDG 10 - Reduced Inequality",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_26","ORG_33_1","QN_26","ORG_33_1","SDG 11 - Sustainable Cities and Communities",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_27","ORG_34_1","QN_27","ORG_34_1","SDG 12 - Responsible Consumption and Production",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_28","ORG_35_1","QN_28","ORG_35_1","SDG 13 - Climate Action",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_29","ORG_35_2","QN_29","ORG_35_2","SDG 14 - Life Below Water",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_30","ORG_35_3","QN_30","ORG_35_3","SDG 15 - Life On Land",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_31","ORG_35_4","QN_31","ORG_35_4","SDG 16 - Peace, Justice and Strong Institutions",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_32","ORG_35_5","QN_32","ORG_35_5","SDG 17 - Partnerships for the Goals",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_33","ORG_46","QN_33","ORG_46","Governance",2,null,"cadre",null,null,"x","x","x","x",null,null,"x","x"]
["QN_34","ORG_47","QN_34","ORG_47","Number of board members",3,"x","nombre sans décimales",null,null,"x","x","x","x",null,null,"x","x","1.13",null,"x",{"$nulls":4},"1.13"]
["QN_35","ORG_58","QN_35","ORG_58","Number of women board members",4,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":4},"1.13",null,"x","SDG5",null,null,null,"1.13"]
["QN_38","ORG_59","QN_38","ORG_59","Branches",2,null,"cadre",null,null,"x","x","x","x","x",null,"x","x"]
["QN_39","ORG_60","QN_39","ORG_60","Number of branches",3,"x","nombre sans décimales",null,null,"x","x","x","x","x",null,"x","x"]
["QN_40","ORG_61","QN_40","ORG_61","Branches in urban areas",4,null,"nombre sans décimales",null,null,null,"x","x","x"]
["QN_41","ORG_62","QN_41","ORG_62","Branches in rural areas ",4,"x","nombre sans décimales",null,null,null,"x","x","x","x",null,"x","x",null,null,null,"SDG1/2"]
["QN_42","ORG_63","QN_42","ORG_63","Number of branches in excluded/poor areas",3,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":7},"SDG1"]
[null,null,"QN_42","ORG_63","Number of branches in excluded/poor areas","Number of branches in excluded/poor areas",{"$nulls":7},"x"]
["QN_43","NEW-GREEN NEW-SFDR","QN_43","ORG_301","Number of branches/point of sales located in or near biodiversity-sensitive areas where activities can negatively affect those areas",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"1.7",null,null,"SDG13","guidance:\n‘activities negatively affecting biodiversity-sensitive areas’ means activities (i) leading to the deterioration of natural habitats and the habitats of species and to disturbance of the species for which the protected area has been designated; and (ii) where conclusions or necessary mitigation measures identified by any of the following assessments have not been implemented accordingly.  ‘biodiversity-sensitive areas’ means Natura2000 (European only), UNESCO World Heritage sites and Key Biodiversity Areas(‘KBAs’)\n link with websites defining these areas at country level, see doc SFDR",null,null,"1.7"]
["QN_44","ORG_64","QN_44","ORG_64","Staff composition and working conditions",2,null,"cadre",null,null,"x","x","x","x","x",null,"x","x"]
["QN_45","ORG_65","QN_45","ORG_65","Number of staff",3,"x","nombre sans décimales",null,null,"x","x","x","x","x",null,"x","x",null,"x","x","SDG8"]
["QN_46","ORG_66","QN_46","ORG_66","Women",4,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":6},"x","SDG5"]
["QN_47","ORG_67","QN_47","ORG_67","Men",4,"x","nombre sans décimales",null,null,null,"x","x","x"]
["QN_50","ORG_68","QN_50","ORG_68","Number of total staff employed for one year or more ",3,"x","nombre sans décimales",null,null,null,"x","x","x",{"$nulls":5},"x","x","SDG8"]
["QN_51","ORG_69","QN_51","ORG_69","Number of women staff employed for one year or more",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_52","ORG_70","QN_52","ORG_70","Number of exits of staff of the past 12 months",3,"x","nombre sans décimales",null,null,null,"x","x","x",{"$nulls":7},"SDG8"]
["QN_53","ORG_71","QN_53","ORG_71","Number of exits of women staff during the period",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_54","ORG_72","QN_54","ORG_72","Number of staff in credit and front office operations",3,"x","nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,"x"]
["QN_55","ORG_73","QN_55","ORG_73","Women",4,"x","nombre sans décimales",null,null,null,"x","x","x",{"$nulls":6},"x","SDG5"]
["QN_56","ORG_74","QN_56","ORG_74","Men",4,"x","nombre sans décimales",null,null,null,"x","x","x"]
["QN_57","ORG_75","QN_57","ORG_75","Number of management staff",3,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":6},"x"]
["QN_58","ORG_76","QN_58","ORG_76","Women",4,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":6},"x","SDG5"]
["QN_59","ORG_77","QN_59","ORG_77","Men",4,"x","nombre sans décimales",null,null,null,"x","x","x"]
["QN_60","NEW ",null,"ORG_304","Number of staff under 25 years of age",3,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":5},"below 18 year old",null,"SDG10"]
["QN_63","NEW-SFDR","QN_63","ORG_307","Annual total payroll",3,null,"nombre sans décimales",null,null,"x","x","x","x",{"$nulls":4},"1.12",null,"x",{"$nulls":4},"1.12"]
["QN_64","NEW-SFDR","QN_64","ORG_308","Annual women payroll",3,null,"nombre sans décimales",null,null,"x","x","x","x",{"$nulls":4},"1.12",null,"x",{"$nulls":4},"1.12"]
["QN_74","NEW ",null,"ORG_318","Number of staff who received an internal or external training on the reporting period",3,null,"nombre sans décimales",{"$nulls":4},"x","x",{"$nulls":7},"SDG4"]
["QN_75","NEW",null,"ORG_319","Total hours of training (staff x hours)",3,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":7},"SDG4"]
["QN_76","NEW ",null,"ORG_320","Number of women staff who received an internal or external training on the reporting period",3,null,"nombre sans décimales",{"$nulls":4},"x","x",{"$nulls":6},"x","SDG5"]
["QN_77","NEW",null,"ORG_321","Total hours of training for women (women staff x hours)",3,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
[null,null,"QN_74","ORG_318","Number of staff who received an internal or external training on the reporting period",{"$nulls":7},"x","x"]
[null,null,"QN_75","ORG_319","Total hours of training (staff x hours)",{"$nulls":8},"x"]
[null,null,"QN_76","ORG_320","Number of women staff who received an internal or external training on the reporting period",{"$nulls":7},"x","x"]
[null,null,"QN_77","ORG_321","Total hours of training for women (women staff x hours)",{"$nulls":8},"x"]
["QN_78","NEW - GREEN","QN_78","ORG_322","Number of staff who received training on environmental performance management (organization environmental footprint, client vulnerability, client adverse impact, green products offered, assessment process, etc.) on the reporting period  ",3,null,"nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":6},"SDG13"]
["QN_79","NEW - GREEN",null,"ORG_323","Total hours of trainings on environmental performance management (staff x hours of \"green\" training)",3,null,"nombre sans décimales",{"$nulls":5},"x","x",{"$nulls":6},"SDG13"]
["QN_80","NEW","QN_80","ORG_324","Total annual budget allocated to trainings",3,null,"nombre sans décimales",null,null,null,"x","x","x",{"$nulls":5},"x",null,"SDG4"]
["QN_81","NEW green social",null,"ORG_325","Total annual budget allocated to trainings related to environment and social policies and strategies",3,null,"nombre sans décimales",{"$nulls":5},"x","x",{"$nulls":6},"SDG13"]
["QN_83","NEW ",null,"ORG_327","Absenteeism rate (number of days of absence from work over total number of days of work)",3,null,"nombre avec décimales",{"$nulls":4},"x","x",{"$nulls":7},"SDG8"]
[null,null,"QN_81","ORG_325","Total annual budget allocated to trainings related to environment and social policies and strategies",{"$nulls":8},"x","x"]
[null,null,"QN_83","ORG_327","Absenteeism rate (number of days of absence from work over total number of days of work)",{"$nulls":7},"x","x"]
["QN_132","ORG_136","QN_132","ORG_136","Client composition",2,null,"cadre",null,null,"x","x","x","x","x","x","x","x",null,null,"x"]
["QN_133","ORG_137","QN_133","ORG_137","Number of active borrowers",3,"x","nombre sans décimales",null,null,"x","x","x","x","x","x","x","x",null,null,"x","SDG8"]
["QN_134","ORG_138","QN_134","ORG_138","Women borrowers",4,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":6},"x","SDG5"]
["QN_135","ORG_139","QN_135","ORG_139","Men borrowers",4,"x","nombre sans décimales",null,null,null,"x","x","x"]
["QN_136","ORG_140","QN_136","ORG_140","Legal entities",4,null,"nombre sans décimales",null,"SME",null,"x","x","x",{"$nulls":7},"SDG 8"]
["QN_140","ORG_141","QN_140","ORG_141","Rural borrowers",3,"x","nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG1/2"]
["QN_141","ORG_142","QN_141","ORG_142","Urban borrowers",3,null,"nombre sans décimales",null,null,null,"x","x","x"]
["QN_142","ORG_143","QN_142","ORG_143","Number of voluntary savers",3,"x","nombre sans décimales",null,null,null,"x","x","x","x",null,"x","x",null,null,"x","SDG8"]
["QN_143","ORG_144","QN_143","ORG_144","Women savers",4,"x","nombre sans décimales",null,null,null,"x","x","x",{"$nulls":6},"x","SDG5"]
["QN_144","ORG_145","QN_144","ORG_145","Men savers",4,null,"nombre sans décimales",null,null,null,"x","x","x"]
["QN_145","ORG_146","QN_145","ORG_146","Legal entity",4,null,"nombre sans décimales",null,null,null,"x","x","x"]
["QN_146","ORG_149","QN_146","ORG_149","Total number of clients",3,"x","nombre sans décimales",null,null,null,"x","x","x",null,"x","x","x",null,null,null,"SDG8"]
["QN_147","SDG 1/ NEW","QN_147","ORG_332","Number of clients gaining access to financial services for the first time during the reporting period",3,null,"nombre sans décimales",null,null,null,"x","x","x",{"$nulls":7},"SDG1"]
["QN_180","ORG_150","QN_180","ORG_150","Borrowers retention",2,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_181","ORG_151","QN_181","ORG_151","Active borrowers at the beginning of the period",3,"x","nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,"x","SDG8"]
["QN_182","ORG_152",null,"ORG_152","Women",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
[null,null,"QN_182","ORG_152","Women",{"$nulls":8},"x"]
["QN_183","ORG_154","QN_183","ORG_154","New borrowers during the period ",3,"x","nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,"x","SDG8"]
["QN_184","ORG_155","QN_184","ORG_155","Women",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
[null,null,"QN_184","ORG_155","Women",{"$nulls":8},"x"]
["QN_84","ORG_78","QN_84","ORG_78","PRODUCTS AND SERVICES",1,null,"cadre",null,null,null,"x","x","x","x",null,"x","x"]
["QN_85","ORG_79_1","QN_85","ORG_79_1","Delivery models",2,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_86","ORG_79_2","QN_86","ORG_79_2","Physical channels",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_87","ORG_79_3","QN_87","ORG_79_3","Digital field applications for staff",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_88","ORG_79_4","QN_88","ORG_79_4","Mobile loan disbursement / repayment",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
[null,null,"QN_86","ORG_79_2","Physical channels",{"$nulls":8},"x",null,null,"x"]
[null,null,"QN_87","ORG_79_3","Digital field applications for staff",{"$nulls":8},"x",null,null,"x"]
[null,null,"QN_88","ORG_79_4","Mobile loan disbursement / repayment",{"$nulls":8},"x",null,null,"x"]
["QN_89","ORG_79_5","QN_89","ORG_79_5","ATM, debit/credit cards, internet banking",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x"]
["QN_90","ORG_79_6","QN_90","ORG_79_6","Online lending",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x"]
["QN_91","ORG_79_7","QN_91","ORG_79_7","Mobile lending",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x"]
["QN_92","ORG_79_8","QN_92","ORG_79_8","Other mobile financial services",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x"]
["QN_93","ORG_79_9",null,"ORG_79_9","Pay as you go",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_94","ORG_81",null,"ORG_81","Loans",2,null,"cadre",{"$nulls":5},"x","x",null,"x","x"]
["QN_95","ORG_82",null,"ORG_82","Microenterprise loans",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x",null,null,null,"SDG1"]
["QN_96","ORG_84",null,"ORG_84","SME loans",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x",null,null,null,"SDG8"]
["QN_97","ORG_85",null,"ORG_85","Loans for agriculture",3,null,"Case à cocher","YN",{"$nulls":4},"x","x",null,"x","x",null,null,null,"SDG2"]
["QN_98","ORG_86",null,"ORG_86","Loans for education",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x",null,null,null,"SDG4"]
["QN_99","ORG_86_1",null,"ORG_86_1","Emergency loans",3,null,"Case à cocher","YN",{"$nulls":4},"x","x",null,"x","x",null,null,null,"SDG1"]
["QN_100","ORG_87",null,"ORG_87","Housing loans",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x",null,null,null,"SDG11"]
["QN_101","ORG_83_2",null,"ORG_83_2","Consumer loans",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_102","ORG_88",null,"ORG_88","Microleasing",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_103","ORG_88_1",null,"ORG_88_1","Other, please specify in comments",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
[null,null,"QN_93","ORG_79_9","Pay as you go",{"$nulls":8},"x",null,null,"x"]
[null,null,"QN_94","ORG_81","Loans",{"$nulls":8},"x","x",null,"x"]
[null,null,"QN_95","ORG_82","Microenterprise loans",{"$nulls":8},"x",null,null,"x"]
[null,null,"QN_96","ORG_84","SME loans",{"$nulls":8},"x",null,null,"x"]
[null,null,"QN_97","ORG_85","Loans for agriculture",{"$nulls":8},"x","x",null,"x"]
[null,null,"QN_98","ORG_86","Loans for education",{"$nulls":8},"x",null,null,"x"]
[null,null,"QN_99","ORG_86_1","Emergency loans",{"$nulls":8},"x","x",null,"x"]
[null,null,"QN_100","ORG_87","Housing loans",{"$nulls":8},"x",null,null,"x"]
[null,null,"QN_101","ORG_83_2","Consumer loans",{"$nulls":8},"x",null,null,"x"]
[null,null,"QN_102","ORG_88","Microleasing",{"$nulls":8},"x",null,null,"x"]
[null,null,"QN_103","ORG_88_1","Other, please specify in comments",{"$nulls":8},"x",null,null,"x"]
["QN_104","ORG_89","QN_104","ORG_89","Deposits",2,null,"cadre",null,null,null,"x","x","x","x",null,"x","x"]
["QN_105","ORG_91","QN_105","ORG_91","Voluntary sight deposits",3,null,"Case à cocher","YN",null,null,"x","x","x","x",{"$nulls":6},"SDG8"]
["QN_106","ORG_92",null,"ORG_92","Compulsory savings (cash collateral)",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
[null,null,"QN_106","ORG_92","Compulsory savings (cash collateral)",{"$nulls":8},"x",null,null,"x"]
["QN_107","ORG_93","QN_107","ORG_93","Voluntary time deposits",3,null,"Case à cocher","YN",null,null,"x","x","x","x",{"$nulls":6},"SDG8"]
["QN_108","ORG_94_1",null,"ORG_94_1","Other, please specify in comments",3,null,"Case à cocher","YN",{"$nulls":4},"x"]
[null,null,"QN_108","ORG_94_1","Other, please specify in comments",{"$nulls":8},"x"]
["QN_109","ORG_95_1","QN_109","ORG_95_1","Insurance",2,null,"cadre",null,null,null,"x","x","x","x",null,"x","x"]
["QN_110","ORG_96","QN_110","ORG_96","Mandatory life insurance",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG1"]
["QN_111","ORG_99","QN_111","ORG_99","Voluntary life insurance",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG1"]
["QN_112","ORG_97","QN_112","ORG_97","Agriculture insurance",3,null,"Case à cocher","YN",{"$nulls":4},"x","x",{"$nulls":6},"SDG2"]
["QN_113","ORG_103","QN_113","ORG_103","Health insurance",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG3"]
["QN_114","ORG_101","QN_114","ORG_101","Property insurance",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG8"]
["QN_115","ORG_104_1","QN_115","ORG_104_1","Other, please specify in comments",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
[null,null,"QN_112","ORG_97","Agriculture insurance",{"$nulls":8},"x","x"]
[null,null,"QN_113","ORG_103","Health insurance",{"$nulls":8},"x"]
[null,null,"QN_114","ORG_101","Property insurance",{"$nulls":8},"x"]
[null,null,"QN_115","ORG_104_1","Other, please specify in comments",{"$nulls":8},"x",null,null,"x"]
["QN_116","ORG_105","QN_116","ORG_105","Other financial services",2,null,"cadre",null,null,null,"x","x","x"]
["QN_117","ORG_106",null,"ORG_106","Debit / credit card",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG8"]
[null,null,"QN_117","ORG_106","Debit / credit card",{"$nulls":8},"x"]
["QN_118","ORG_106_1","QN_118","ORG_106_1","Payment services",3,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"SDG8"]
["QN_119","ORG_106_3","QN_119","ORG_106_3","Factoring",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG8"]
["QN_120","ORG_108","QN_120","ORG_108","Savings facilitation services",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG8"]
["QN_121","ORG_109","QN_121","ORG_109","Remittance/money transfer services",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG10"]
["QN_122","ORG_109_1","QN_122","ORG_109_1","Other, please specify in comments",3,null,"Case à cocher","YN",{"$nulls":4},"x"]
[null,null,"QN_119","ORG_106_3","Factoring",{"$nulls":8},"x"]
[null,null,"QN_120","ORG_108","Savings facilitation services",{"$nulls":8},"x"]
[null,null,"QN_121","ORG_109","Remittance/money transfer services",{"$nulls":8},"x"]
[null,null,"QN_122","ORG_109_1","Other, please specify in comments",{"$nulls":8},"x"]
["QN_123","ORG_110","QN_123","ORG_110","Non financial services",2,null,"cadre",null,null,null,"x","x","x","x",{"$nulls":5},"x"]
["QN_124","ORG_113","QN_124","ORG_113","Enterprise services",3,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"SDG8"]
["QN_125","ORG_116","QN_125","ORG_116","Education services",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG4"]
[null,null,"QN_125","ORG_116","Education services",{"$nulls":8},"x"]
["QN_126","ORG_117","QN_126","ORG_117","Financial literacy education",3,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"SDG4"]
["QN_127","ORG_123","QN_128","ORG_123","Health services",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG3"]
["QN_128","ORG_128","QN_129","ORG_128","Women's empowerment services",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":6},"x","SDG5"]
["QN_129","NEW GREEN","QN_130","ORG_328","Non financial sevices on environmental performance (information / training / technical assistance on environmental risk management / green practices and technologies)",3,null,"Case à cocher","YN",{"$nulls":4},"x","x"]
[null,null,"QN_127","ORG_123","Health services",{"$nulls":8},"x"]
[null,null,"QN_128","ORG_128","Women's empowerment services",{"$nulls":8},"x"]
[null,null,"QN_129","ORG_328","Non financial sevices on environmental performance (information / training / technical assistance on environmental risk management / green practices and technologies)",null," ",{"$nulls":6},"x","x"]
["QN_130","ORG_134","QN_130","ORG_134","Other non financial services",3,null,"Case à cocher","YN",null,null,"x","x","x"]
["QN_131","ORG_134_2","QN_131","ORG_134_2","Non financial services outreach (number of clients reached during period)",3,null,"nombre sans décimales",null,null,null,"x","x","x"]
["QN_195","New - green",null,"ORG_337","Number of partnerships established during the reporting period with specialized organizations to implement the environmental performance strategy",3,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_148","ORG_204","QN_148","ORG_204","FINANCIAL INFORMATION & EXTERNAL REPORTING",1,null,"cadre",null,null,"x","x","x","x",null,"x","x","x"]
["QN_149","ORG_205","QN_149","ORG_205","Key financial indicators",2,null,"cadre",null,null,"x","x","x","x",null,"x","x","x"]
["QN_150","ORG_206","QN_150","ORG_206","Total Assets, volume, currency used in the report",3,"x","nombre sans décimales",null,null,"x","x","x","x",null,"x","x","x",null,null,null,"SDG8"]
["QN_152","ORG_207","QN_152","ORG_207","Return on Assets (%)",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,"x","x","x"]
["QN_153","ORG_208","QN_153","ORG_208","Return on Equity (%)",3,"x","nombre avec décimales",null,null,"x","x","x","x"]
["QN_365",null,"QN_365","ORG_453","Average Return On Assets over the past 3 years",3,null,"nombre avec décimales",null,null,null,"x","x","x",null,"x","x","x"]
["QN_366",null,null,"ORG_454","Revenue (net interest income) ",3,null,"nombre avec décimales",null,null,"x","x","x","x"]
["QN_154","ORG_209","QN_154","ORG_209","Financial Expense Ratio (as a % of average GLP)",3,"x","nombre avec décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_155","ORG_210","QN_155","ORG_210","Operating Expense Ratio (as a % of average GLP)",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,null,"x","x"]
["QN_367",null,null,"ORG_455","Operating Expense Ratio (as a % of average assets)",3]
[{"$nulls":4},"Operating Expense Ratio (as a % of average assets)",{"$nulls":7},"x","x",null,"x","x"]
["QN_368",null,null,"ORG_456","Maximum Expected Operating Expense Ratio",3,null,"nombre avec décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_156","ORG_211","QN_156","ORG_211","Operational Self-Sufficiency (%)",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,null,"x","x"]
["QN_157","ORG_212","QN_157","ORG_212","Nominal Portfolio Yield (%)",3,"x","nombre avec décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_158","ORG_213","QN_158","ORG_213","PAR >30 + rescheduled (%)",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,null,"x","x"]
["QN_159","ORG_286","QN_159","ORG_286","PAR >30 + rescheduled (%) for women",4,null,"nombre avec décimales",{"$nulls":5},"x",{"$nulls":6},"x"]
[null,null,"QN_159","ORG_286","PAR >30 + rescheduled (%) for women",{"$nulls":8},"x"]
["QN_160","ORG_214","QN_160","ORG_214","Write-offs (during the period) (%)",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,null,"x","x"]
["QN_369",null,null,"ORG_457","Net Loan Loss Expense ratio (as a % of average assets)",3,null,"nombre avec décimales",{"$nulls":5},"x",null,null,"x","x"]
[{"$nulls":4},"Net Loan Loss Expense ratio (as a % of average assets)",{"$nulls":8},"x",null,null,"x"]
["QN_162","ORG_199","QN_162","ORG_199","Pricing of loans",2,null,"cadre",null,null,"x","x","x","x",null,"x","x","x"]
["QN_163","ORG_200","QN_163","ORG_200","How does the provider calculate the interest rate of its most representative loan product?",3,"x","Liste","IR Method",null,"x","x","x","x",null,"x","x","x"]
["QN_164","ORG_202","QN_164","ORG_202","Average APR of the loan portfolio",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,"x","x","x"]
["QN_381",null,null,"ORG_202_1","Tool used to calculate APR",3,"x","liste","APR_Tool",null,"x","x","x","x",null,"x","x","x"]
["QN_165","ORG_216","QN_165","ORG_216","Endorsement / Membership",2,null,"cadre",null,null,"x","x","x","x",null,"x","x","x"]
["QN_166","ORG_218","QN_166","ORG_218","Joined the Client Protection Pathway",3,null,"Case à cocher","YN",null,"x","x","x","x",null,"x","x","x"]
["QN_167","ORG_225",null,"ORG_225","Paying member of the Social Performance Task Force",3,null,"Liste","SPTF Levels",{"$nulls":4},"x",null,null,"x","x"]
["QN_168","ORG_222",null,"ORG_222","Atlas data platform reporting",3,null,"Liste","Frequency",null,null,null,"x","x",null,null,"x","x"]
["QN_171","ORG_229",null,"ORG_229","Other social performance initiative (please specify)",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_172","ORG_230","QN_172","ORG_230","Ratings, assessments and certifications",2,null,"Cadre",null,null,null,"x","x","x",null,"x","x","x"]
["QN_176","ORG_236","QN_176","ORG_236","Most recent Social Rating : Rating Agency ",3,null,"Liste","Rater",null,null,"x","x","x",null,"x","x","x"]
["QN_177","ORG_237","QN_177","ORG_237","Date",4,null,"champs libre date",null,null,null,"x","x","x",null,"x","x","x"]
["QN_178","ORG_238","QN_178","ORG_238","Rating grade",4,null,"Liste","RaterSRGrade",null,null,"x","x","x",null,"x","x","x"]
["QN_170","ORG_228","QN_170","ORG_228","Code of Conduct Assessment",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,"x","x","x"]
["QN_173","ORG_230_2","QN_173","ORG_230_2","Most recent Client Protection certification : Certification Body",3,null,"Liste","Rater",null,null,"x","x","x",null,"x","x","x"]
["QN_174","ORG_230_3","QN_174","ORG_230_3","Date",4,null,"champs libre date",null,null,null,"x","x","x",null,"x","x","x"]
["QN_175","ORG_230_4","QN_175","ORG_230_4","Certification level",4,null,"Liste","Certification",null,null,"x","x","x",null,"x","x","x"]
["QN_219","ORG_135","QN_219","ORG_135","BASIC PORTFOLIO INFORMATION",1,null,"cadre",null,null,"x","x","x","x","x","x","x","x",null,null,"x"]
["QN_220","ORG_158","QN_220","ORG_158","Gross Loan Portfolio",2,null,"cadre",null,null,"x","x","x","x","x","x","x","x"]
["QN_221","ORG_178","QN_221","ORG_178","Amount of Gross Loan Portfolio in the currency used in the report",3,"x","nombre sans décimales",null,null,"x","x","x","x","x","x","x","x",null,null,"x","SDG8"]
["QN_222","ORG_194","QN_222","ORG_194","Gross Loan Portfolio in rural areas",4,"x","nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":6},"SDG2"]
["QN_223","ORG_195","QN_223","ORG_195","Gross Loan Portfolio to women",4,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":6},"x","SDG5"]
["QN_224","NEW - GREEN","QN_224","ORG_361","Gross Loan Portfolio for green products and technologies ",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",{"$nulls":6},"SDG13"]
["QN_225","NEW - GREEN",null,"ORG_362","Gross Loan Portfolio classified as medium/high risk for social or environmental issues",3,null,"nombre sans décimales",{"$nulls":5},"x","X",{"$nulls":7},"Guidance: somme secteurs à risque identifiés ou propre segmentation"]
["QN_226","NEW - portfolio segment","QN_226","ORG_363","Portfolio by Lending methodology",2,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_227","ORG_180","QN_227","ORG_180","Group loan",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG1"]
["QN_228","NEW - portfolio segment","QN_228","ORG_364","Individual loan (offline/direct)",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_229","NEW - portfolio segment","QN_229","ORG_365","Individual loan (online/digital)",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_230","ORG_196","QN_230","ORG_196","Deposits portfolio",2,null,"cadre",null,null,null,"x","x","x","x"]
["QN_231","ORG_197","QN_231","ORG_197","Amount of total deposits in the currency used in the report",3,null,"nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":6},"SDG8"]
["QN_232","ORG_197_1",null,"ORG_197_1","Amount of total deposits by women in the currency used in the report",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_233",null,null,"ORG_198","Amount of voluntary deposits in the currency used in the report",3,null,"nombre sans décimales"]
["QN_234",null,null,"ORG_198_1","Amount of voluntary deposits by women in the currency used in the report",4,null,"nombre sans décimales"]
[null,null,"QN_232","ORG_197_1","Amount of total deposits by women in the currency used in the report",{"$nulls":8},"x"]
["QN_235","ORG_135","QN_235","ORG_135","ADVANCED PORTFOLIO INFORMATION",1,null,"cadre",null,null,null,"x","x","x","x",null,"x","x",null,null,"x"]
["QN_236",null,"QN_235","ORG_366","Number of outstanding loans",2,null,"cadre",{"$nulls":5},"x","x",null,"x","x"]
["QN_237","ORG_162","QN_235","ORG_162","Total number of outstanding loans",3,null,"nombre sans décimales",{"$nulls":5},"x","x",null,"x","x",null,null,"x","SDG8"]
["QN_238","ORG_177_1","QN_235","ORG_177_1","Number of outstanding rural loans",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":7},"SDG2"]
["QN_239","ORG_177_2","QN_235","ORG_177_2","Number of outstanding loans to women",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_240","NEW - GREEN","QN_235","ORG_367","Number of Outstanding Green loans",4,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_241","NEW-GREEN","QN_235","ORG_368","Total number of loans disbursed for energy efficiency, renewable energy during the reporting period",4,null,"nombre sans décimales",{"$nulls":5},"x","x",{"$nulls":7},"focus energy as small loans one time so less visible in outstanding portfolio"]
[null,null,"QN_236","ORG_366","Number of outstanding loans",{"$nulls":8},"x","x",null,"x"]
[null,null,"QN_237","ORG_162","Total number of outstanding loans",{"$nulls":8},"x","x",null,"x"]
[null,null,"QN_238","ORG_177_1","Number of outstanding rural loans",{"$nulls":8},"x"]
[null,null,"QN_239","ORG_177_2","Number of outstanding loans to women",{"$nulls":8},"x"]
[null,null,"QN_240","ORG_367","Number of Outstanding Green loans",{"$nulls":8},"x"]
[null,null,"QN_241","ORG_368","Total number of loans disbursed for energy efficiency, renewable energy during the reporting period",{"$nulls":8},"x","x"]
["QN_242","NEW","QN_242","ORG_369","Loan portfolio by purpose",2,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_243","ORG_178_1","QN_243","ORG_178_1","Legal entities - Microenterprises (less than 5 full time employees)",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG8"]
["QN_244","ORG_178_2","QN_244","ORG_178_2","Legal entities - SME (between 5 and 250 full time employees)",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG8"]
["QN_245","ORG_178_3","QN_245","ORG_178_3","Legal entities - Corporates (more than 250 full time employees)",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG8"]
["QN_246","ORG_178_4","QN_246","ORG_178_4","Housing",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG11"]
["QN_247","NEW","QN_247","ORG_370","Education",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG4"]
["QN_248","ORG_178_5","QN_248","ORG_178_5","Personal/Household consumption",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_249","ORG_178_6","QN_249","ORG_178_6","Other",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_250","NEW","QN_250","ORG_371","Loan portfolio by sector",2,null,"cadre",null,null,"x","x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_251","ORG_178_8","QN_251","ORG_178_8","1 - AGRICULTURE, FORESTRY AND FISHING (NACE A) (please fill in details below if 1 represents more than 5% of GLP)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Agriculture, hunting and forestry",null,"SDG2",null,null,null,"x"]
["QN_252","NEW - portfolio segment","QN_252","ORG_372","Growing of crop",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",null,null,"SDG2",null,null,null,"x"]
["QN_253","NEW - portfolio segment","QN_253","ORG_373","Animal production, hunting and related services",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",null,null,"SDG2",null,null,null,"x"]
["QN_254","NEW - portfolio segment","QN_254","ORG_374","Forestry and logging + wood production + charcoal making",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x","Fishing",null,"SDG2",null,null,null,"x"]
["QN_255","NEW - portfolio segment","QN_255","ORG_375","Fishing and aquaculture",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",null,null,"SDG2",null,null,null,"x"]
["QN_257","NEW - portfolio segment","QN_257","ORG_377","2 - MINING AND QUARRYING (NACE B)  (please fill in details below if 2 represents more than 5% of GLP)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Mining and quarrying ",{"$nulls":5},"x"]
["QN_258","NEW - portfolio segment","QN_258","ORG_378","Extraction of crude petroleum, natural gas, mining of coal and lignite",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_259","NEW - portfolio segment","QN_259","ORG_379","Other mining activities/ raw materials extraction",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_260","NEW - portfolio segment","QN_260","ORG_380","3 - MANUFACTURING (NACE C)  (please fill in details below if 3 represents more than 5% of GLP)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Manufacturing ",null,"SDG8",null,null,null,"x"]
["QN_261","NEW - portfolio segment","QN_261","ORG_381","Manufacture of food and beverages",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_262","NEW - portfolio segment","QN_262","ORG_382","Manufacture of textile",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_263","NEW - portfolio segment","QN_263","ORG_383","Manufacture of leather, wearing apparel (including fur), and related products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_264","NEW - portfolio segment","QN_264","ORG_384","Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_265","NEW - portfolio segment","QN_265","ORG_385","Manufacture of paper and paper products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_266","NEW - portfolio segment","QN_266","ORG_386","Printing / film processing facilities/printing services",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_267","NEW - portfolio segment","QN_267","ORG_387","Manufacture of coke and refined petroleum products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_268","NEW - portfolio segment","QN_268","ORG_388","Manufacture of chemicals, rubber and plastic products, paint",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_269","NEW - portfolio segment","QN_269","ORG_389","Manufacture of basic pharmaceuticals products and pharmeceutical preparations",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_270","NEW - portfolio segment","QN_270","ORG_390","Manufacture of glass and glass products, porcelaine and ceramic products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_271","NEW - portfolio segment","QN_271","ORG_391","Manufacture of cement and concrete / brick making/ construction works",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_272","NEW - portfolio segment","QN_272","ORG_392","Manufacture of basic metals, fabricated metal products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_273","NEW - portfolio segment","QN_273","ORG_393","Manufacture of computer, electronics (including watches, clocks, precision instruments, photographic equipment, medical equipment) and optical products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_274","NEW - portfolio segment","QN_274","ORG_394","Manufacture of machinery and equipment n.e.c",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_275","NEW - portfolio segment","QN_275","ORG_395","Manufacture of handicrafts",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_276","NEW - portfolio segment","QN_276","ORG_396","Manufacture of jewellery, bijouterie and related articles",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_382",null,"QN_277","ORG_469","Other manufacturing activities",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":10},"x"]
["QN_278","NEW - portfolio segment","QN_278","ORG_398","4 - ELECTRICITY, GAS, STEAM AND AIR CONDITIONING SUPPLY (NACE D)  (please fill in details below if 4 represents more than 5% of GLP)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Electricity, gas and water supply",null,"SDG7",null,null,null,"x"]
["QN_279","NEW - portfolio segment","QN_279","ORG_399","Renewable Energy",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_280","NEW - portfolio segment","QN_280","ORG_400","Combustion based and other non renewable energy",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_282","NEW - portfolio segment","QN_282","ORG_402","5 - WATER SUPPLY; SEWERAGE, WASTE MANAGEMENT AND REMEDIATION ACTIVITIES (NACE E)  (please fill in details below if 5 represents more than 5% of GLP)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x",null,null,"SDG6",null,null,null,"x"]
["QN_283","NEW - portfolio segment","QN_283","ORG_403","Water collection, treatment and supply",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_284","NEW - GREEN - portfolio segment","QN_284","ORG_404","Sewerage, waste collection, treatment and disposal activities; materials recovery, waste management and remediation",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_285","NEW - portfolio segment","QN_285","ORG_405","6 - CONSTRUCTION (NACE F)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Construction",null,"SDG11",null,null,null,"x"]
["QN_289","NEW - portfolio segment","QN_289","ORG_409","7 - WHOLESALE AND RETAIL TRADE (NACE G)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Wholesale and retail trade; repair of motor vehicles and motorcycles ",null,"SDG8",null,null,null,"x"]
["QN_290","NEW - portfolio segment","QN_290","ORG_410","Garages (repair of motor vehicles and motorcycles)",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_383",null,null,"ORG_470","Wholesale of solid, liquid and gaseous fuels and related products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":10},"x"]
["QN_384",null,null,"ORG_471","Retail sale of automotive fuel in specialised stores",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":10},"x"]
["QN_385",null,null,"ORG_472","Other wholesale and retail trade",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":10},"x"]
["QN_292","NEW - portfolio segment",null,"ORG_412","8 - TRANSPORTATION AND STORAGE (NACE H)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Transport, storage and communication",null,"SDG8",null,null,null,"x"]
["QN_386",null,null,"ORG_473","Transport and storage of fossil fuels",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":10},"x"]
[{"$nulls":4},"Transport and storage of fossil fuels",{"$nulls":6},"x","x","x",{"$nulls":11},"x"]
[null,null,null,"ORG_474","Other transport and storage",{"$nulls":6},"x","x","x",{"$nulls":11},"x"]
["QN_371",null,"QN_296","ORG_459","9 - ACCOMODATION AND FOOD SERVICES ACTIVITIES",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",{"$nulls":10},"x"]
["QN_296","NEW - portfolio segment","QN_297","ORG_416","10 - FINANCIAL AND INSURANCE ACTIVITIES (NACE K)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Financial intermediation",{"$nulls":5},"x"]
["QN_297","NEW - portfolio segment","QN_298","ORG_417","11 - REAL ESTATE ACTIVITIES (NACE L)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Real estate, renting and business activities",{"$nulls":5},"x"]
["QN_299","NEW - portfolio segment","QN_299","ORG_419","12 - HEALTH (NACE Q)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Health and social work",null,"SDG3",null,null,null,"x"]
["QN_300","NEW - portfolio segment","QN_300","ORG_420","13 - OTHER SERVICE ACTIVITIES (NACE S)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_301","NEW - portfolio segment","QN_301","ORG_421","Washing and (dry-)cleaning of textile and fur products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",{"$nulls":6},"x"]
["QN_302","NEW - portfolio segment","QN_302","ORG_422","Other service activities",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x","Hotels and restaurants",{"$nulls":5},"x"]
["QN_303","NEW - portfolio segment","QN_303","ORG_423","14 - NON PRODUCTIVE LOANS",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Other / Misceallaneous",{"$nulls":5},"x"]
["QN_304","NEW - SME- portfolio segment","QN_304","ORG_424","Loan portfolio by term of the loans",2,null,"cadre",null,"SME",null,"x","x","x"]
["QN_305","NEW - SME- portfolio segment","QN_305","ORG_425","1-90 days",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_306","NEW - SME- portfolio segment","QN_306","ORG_426","91-180 days",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_307","NEW - SME- portfolio segment","QN_307","ORG_427","181-365 days",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_308","NEW - SME- portfolio segment","QN_308","ORG_428","12-24 months",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_309","NEW - SME- portfolio segment","QN_309","ORG_429","over 2 years",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_310","NEW - SME- portfolio segment","QN_310","ORG_430","Loan portfolio by size of the loans",2,null,"cadre",null,"SME",null,"x","x","x"]
["QN_311","NEW - SME- portfolio segment","QN_311","ORG_431","$0 to $50",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_312","NEW - SME- portfolio segment","QN_312","ORG_432","$50 to $500",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_313","NEW - SME- portfolio segment","QN_313","ORG_433","$501 to $2,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_314","NEW - SME- portfolio segment","QN_314","ORG_434","$2,001 to $5,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_315","NEW - SME- portfolio segment","QN_315","ORG_435","$5,001 to $10,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_316","NEW - SME- portfolio segment","QN_316","ORG_436","$10,001 to $50,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_317","NEW - SME- portfolio segment","QN_317","ORG_437","$50,001 to $100,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_318","NEW - SME- portfolio segment","QN_318","ORG_438","$100,001 to $250,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_319","NEW - SME- portfolio segment","QN_319","ORG_439","$250,001 to $500,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_320","NEW - SME- portfolio segment","QN_320","ORG_440","over $500,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_192","NEW - GREEN","QN_192","ORG_334","ESG CHECK",1,null,"cadre",null,null,"x","x","x","x","x"]
["QN_196","New - green","QN_196","ORG_338","Environemental check: Energy, resources, waste",2,null,"cadre",null,null,"x","x","x","x","x"]
["QN_197","NEW - GREEN/ SFDR (update post test)","QN_197","ORG_339","Total electricity consumption at headquarters and branches, for the reporting period in KWh",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"1.5",{"$nulls":6},"x"]
["QN_198","NEW - GREEN/ SFDR (update post test)","QN_198","ORG_340","% Off grid renewable (solar, wind, biomass/biofuels, water/geothermal)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"1.5",{"$nulls":6},"x"]
["QN_199","NEW - GREEN/ SFDR (update post test)","QN_199","ORG_341","% Off grid non-renewable (coal, natural gas, generator)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"1.5",{"$nulls":6},"x"]
["QN_200","NEW - GREEN",null,"ORG_342","Fuel consumption in liters",3,null,"nombre sans décimales",{"$nulls":5},"x","x",{"$nulls":7},"Carburant (essence, diesel, fuel lourd…) pour les véhicules, générateurs et autres équipements de l'institution"]
["QN_211","NEW - GREEN",null,"ORG_353","Water consumption at headquarters and branches for the reporting period (in m3)",3,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_212","NEW - GREEN",null,"ORG_354","Paper consumption at headquarters and branches for the reporting period (in kg)",3,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_213","NEW - GREEN",null,"ORG_355","Waste disposed at headquarters and branches for the reporting period (in metric tons) ",3,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_214","NEW - GREEN",null,"ORG_356","Waste disposed recycled/reused for the reporting year (in metric tons)",3,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_215","NEW - GREEN - SFDR","QN_215","ORG_357","Total GHG emissions",2,null,"cadre",null,null,"x","x","x","x","x"]
["QN_216","NEW - GREEN - SFDR","QN_216","ORG_358","Scope 1 Greenhouse gas emissions",3,null,"nombre sans décimales",null,null,"x","x","x","x","x"]
["QN_217","NEW - GREEN - SFDR","QN_217","ORG_359","Scope 2 Greenhouse gas emissions",3,null,"nombre sans décimales",null,null,"x","x","x","x","x"]
["QN_218","NEW - GREEN - SFDR","QN_218","ORG_360","Scope 3 Greenhouse gas emissions",3,null,"nombre sans décimales",null,null,"x","x","x","x","x"]
["QN_372",null,null,"ORG_460","Social check",2,null,"cadre",null,null,"x","x","x","x"]
["QN_373",null,null,"ORG_461","Sanction (e.g. fine/administrative/judicial sanctions) or non-monetary punishment regarding to the following topics during the last reporting period:\n* Business practices against the Usury Law or the Consumer Protection Law\n* Non compliance of National Labor Law \n* Funding environmentally damaging activities\n* Tax evasion or avoidance\n* Non compliance with national Anti Money Laundering Law",3,null,"Case à cocher","YN",null,"x","x","x","x"]
["QN_374",null,null,"ORG_462","Dispute in courts, lawsuits, convictions applied to the provider or its employees during the last reporting period, related to the following topics:\n* Dispute in courts with current or former clients\n* Dispute in courts with current or former employees\n* Anti-Money Laundry/Combatting the financing of terrorism\n* Corruption including extorsion and bribery",3,null,"Case à cocher","YN",null,"x","x","x","x"]
["QN_375",null,null,"ORG_463","The following events have been identified and reported to financial authorities/supervisor/ legal instances during the last reporting year:\n* Fraud\n* Money laundering scheme or financing of terrorism (regarding borrowers)\n* Bribery/corruption (regarding borrowers)",3,null,"Case à cocher","YN",null,"x","x","x","x"]
["QN_66","NEW","QN_66","ORG_310","Employee labor issues for the reporting period\n* Accidents\n* Strikes",3,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":5},"x",null,"SDG8"]
["QN_376",null,null,"ORG_464","Governance check",2,null,"cadre",null,null,"x","x","x","x"]
["QN_37","NEW","QN_37","ORG_300","Number of independent board members",3,null,"nombre sans décimales",null,null,"x","x","x","x",{"$nulls":8},"guidance: definition of \"independent\", from good goverannce practices"]
["QN_151","NEW","QN_151","ORG_333","Percentage of shares owned by local investors",3,null,"nombre avec décimales",null,null,"x","x","x","x",{"$nulls":7},"SDG8"]
["QN_377",null,null,"ORG_465","Adequate accounting and auditing systems, including:\n* Quarterly financial reports approved by the CEO or executive board\n* Annual financial statements audited by recognized firm",3,null,"Case à cocher","YN",null,"x","x","x","x"]
["QN_378",null,null,"ORG_478","Adequate corporate governance:\n* A board of directors which meets regularly;\n* Records of shareholders, if applicable\n* Other equivalent document for legal forms without shareholders, if applicable\n* Annual shareholders’ meetings, OR Annual General Assembly meetings.\n* All shareholders / members are provided with all material information and a detailed agenda in advance of meetings",3,null,"Case à cocher","YN",null,"x","x","x","x"]
["QN_321","ORG_150_2","QN_321","ORG_150_2","OUTCOMES AND SDG",1,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_379","NEW",null,"ORG_467","Clients by profile",2,null,"cadre"]
["QN_322","SDG 1 / from IIV",null,"ORG_441","Number of end-beneficiaries being low income households (as per national definition or provider’s own client segmentation)",3,null,"nombre sans décimales"]
["QN_323","SDG1/ SDG 10",null,"ORG_442","Number of young clients (or borrowers)",3,null,"nombre sans décimales"]
["QN_324","SDG1/ SDG 10",null,"ORG_443","Number of illiterate clients (or borrowers)",3,null,"nombre sans décimales"]
["QN_325","SDG1/ SDG 10",null,"ORG_444","Number of disabled clients (or borrowers)",3,null,"nombre sans décimales"]
["QN_137","NEW/SDG8",null,"ORG_329","Number of active SMEs financed",3,null,"nombre sans décimales",null,"SME",{"$nulls":11},"SDG 8"]
["QN_138","NEW/SDG8",null,"ORG_330","Number of newly founded SMEs financed",3,null,"nombre sans décimales",null,"SME",{"$nulls":11},"SDG 8"]
["QN_185","ORG_249","QN_185","ORG_249","Client Satisfaction",2,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_186","ORG_250","QN_186","ORG_250","How many complaints has the provider received in the last 3 months? ",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,"x","SDG10"]
["QN_187","ORG_251","QN_187","ORG_251","Of these complaints in the last 3 months, how many come from women?",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG10"]
["QN_188","ORG_252","QN_188","ORG_252","Of these complaints in the last 3 months, how many have been resolved?",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":7},"SDG10"]
[null,null,"QN_187","ORG_251","Of these complaints in the last 3 months, how many come from women?",{"$nulls":8},"x"]
[null,null,"QN_188","ORG_252","Of these complaints in the last 3 months, how many have been resolved?",{"$nulls":8},"x"]
["QN_189","ORG_253","QN_189","ORG_253","If the provider has conducted a satisfaction survey in the last 12 months, % of the clients who declared to be satisfied or very satisfied by the provider:",3,null,"nombre avec décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_190","ORG_254","QN_190","ORG_254","On this satisfaction survey, % of women clients who declared to be satisfied or very satisfied?",3,null,"nombre avec décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
[null,null,"QN_190","ORG_254","On this satisfaction survey, % of women clients who declared to be satisfied or very satisfied?",{"$nulls":8},"x"]
["QN_191","ORG_254_1","QN_191","ORG_254_1","Net Promoter Score",3,null,"nombre avec décimales",null,null,null,"x","x","x"]
["QN_380","NEW",null,"ORG_468","Changes for clients",2,null,"cadre"]
["QN_326","SDG 8",null,"ORG_445","Number of borrowers with increased income (or business assets) on next loan cycle (from MIS and loan application forms)",3,null,"nombre sans décimales"]
["QN_327","SDG 8",null,"ORG_446","Number of SMEs with increased income (or business assets) on next loan cycle (from MIS and loan application forms)",3,null,"nombre sans décimales",null,"SME"]
["QN_328","SDG 8",null,"ORG_447","Number of SMEs with improved business practices (e.g. new products, new markets/clients, new delivery channels, improved HR policies)",3,null,"nombre sans décimales",null,"SME"]
["QN_329","SDG 8 ",null,"ORG_448","Number of jobs supported",3,null,"nombre sans décimales"]
["QN_330","SDG 8",null,"ORG_449","Number of new jobs created",3,null,"nombre sans décimales",null,"SME"]
["QN_331","SDG 5",null,"ORG_450","Number of women borrowers declaring that they have used the loan for their own economic activity",3,null,"nombre sans décimales"]
["QN_332","SDG 5",null,"ORG_451","Number of women borrowers declaring that they have the capacity to contribute financially to the household needs  ",3,null,"nombre sans décimales"]
["QN_388",null,null,"ORG_475","Percentage of customers considering the repayment as a burden",3,null,"nombre sans décimales"]
["QN_389",null,null,"ORG_476","Percentage of customers who declare that their savings have increased",3,null,"nombre sans décimales"]
["QN_390",null,null,"ORG_477","Percentage of customers who declare that their monthly household spendings have increased",3,null,"nombre sans décimales"]
["QN_391",null,null,"ORG_478","Percentage of customers who declare that their capacity to manage their budget have increased (control)",3,null,"nombre sans décimales"]
["QN_392",null,null,"ORG_479","Percentage of customers who declare that their number and/or quality of meals have improved",3,null,"nombre sans décimales"]
["QN_393",null,null,"ORG_480","Percentage of customers who declare that their household assets have increased",3,null,"nombre sans décimales"]
["QN_394",null,null,"ORG_481","Percentage of customers who declare that their quality of life have improved",3,null,"nombre sans décimales"]
["QN_395",null,null,"ORG_482","Percentage of customers who declare that the provider is trustworthy",3,null,"nombre sans décimales"]

{"sheet":"Org Info","index":2,"n_rows":330,"n_cols":23,"rows_kept":330,"cut":false,"hidden":false,"merged":[]}
["QN","org_info_id","Label","LEVEL","obligatory?","FORMAT","LIST NAME","ACTIVITY","ESG Risk","ALINUS","SPI5 ENTRY","SPI5 FULL","Green Focus (Dim7)","CP COMMIT","CP FULL","CP CERTIF","PAI/SFDR","DFI ESG example","2X challenge","SDG","Guidance","IFC PS???","BIA??"]
["QN_1","ORG_1_1","ORGANIZATION",1,null,"cadre",null,null,"x","x","x","x","x","x","x","x"]
["QN_2","ORG_1","General Information",2,null,"cadre",null,null,"x","x","x","x","x","x","x","x"]
["QN_3","ORG_5","Year of creation",3,"x","nombre sans décimales",null,null,"x","x","x","x","x","x","x","x"]
["QN_4","ORG_6","Legal form",3,"x","Liste","Legal form",null,"x","x","x","x","x","x","x","x"]
["QN_5","ORG_7","Regulated",3,null,"Liste","Regulated",null,"x","x","x","x",null,"x","x","x"]
["QN_6","ORG_8","Status",3,"x","Liste","Statut",{"$nulls":4},"x"]
["QN_7","ORG_8_1","Lending Methodology",3,null,"Liste","Lending methodology",{"$nulls":4},"x"]
["QN_8","ORG_12","Currency used in the report (in 3-letter currency code)",3,"x","Liste","Currency",null,"x","x","x","x",null,"x","x","x"]
["QN_9","ORG_14","Context",2,null,"cadre",null,null,"x","x","x","x","x","x","x","x"]
["QN_10","ORG_11","Data as of date:",3,"x","champs libre date",null,null,"x","x","x","x","x","x","x","x"]
["QN_11","ORG_16_1","Exchange rate in report currency : 1 USD=",3,"x","Nombre avec décimales",null,null,"x","x","x","x","x","x","x","x"]
["QN_12","ORG_18_1","GNI/capita (in USD)",3,"x","nombre sans décimales",null,null,"x","x","x","x","x","x","x","x"]
["QN_13","ORG_19","Social Objectives",2,null,"cadre",null,null,null,"x","x","x","x"]
["QN_14","ORG_20","Mission statement",3,"x","champs libre long",null,null,null,"x","x","x","x"]
["QN_15","ORG_21_1","Which United Nations' Sustainable Development Goals (SDGs) the provider specifically pursue through its provision of financial and non-financial products and services? \nPlease select a maximum of four:",3,null,"cadre",null,null,null,"x","x","x",{"$nulls":7},"x"]
["QN_16","ORG_23_1","SDG 1 - No Poverty",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_17","ORG_24_1","SDG 2 - Zero Hunger",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_18","ORG_25_1","SDG 3 - Good Health and Well-being",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_19","ORG_26_1","SDG 4 - Quality Education",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_20","ORG_27_1","SDG 5 - Gender Equality",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":6},"x","x"]
["QN_21","ORG_28_1","SDG 6 - Clean Water and Sanitation",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_22","ORG_29_1","SDG 7 - Affordable and Clean Energy",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_23","ORG_30_1","SDG 8 - Decent Work and Economic Growth",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_24","ORG_31_1","SDG 9 - Industry,  Innovation and Infrastructure",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_25","ORG_32_1","SDG 10 - Reduced Inequality",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_26","ORG_33_1","SDG 11 - Sustainable Cities and Communities",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_27","ORG_34_1","SDG 12 - Responsible Consumption and Production",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_28","ORG_35_1","SDG 13 - Climate Action",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_29","ORG_35_2","SDG 14 - Life Below Water",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_30","ORG_35_3","SDG 15 - Life On Land",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_31","ORG_35_4","SDG 16 - Peace, Justice and Strong Institutions",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_32","ORG_35_5","SDG 17 - Partnerships for the Goals",4,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"x"]
["QN_33","ORG_46","Governance",2,null,"cadre",null,null,"x","x","x","x",null,null,"x","x"]
["QN_34","ORG_47","Number of board members",3,"x","nombre sans décimales",null,null,"x","x","x","x",null,null,"x","x","1.13",null,"x"]
["QN_35","ORG_58","Number of women board members",4,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":4},"1.13",null,"x","SDG5"]
["QN_38","ORG_59","Branches",2,null,"cadre",null,null,"x","x","x","x","x",null,"x","x"]
["QN_39","ORG_60","Number of branches",3,"x","nombre sans décimales",null,null,"x","x","x","x","x",null,"x","x"]
["QN_40","ORG_61","Branches in urban areas",4,null,"nombre sans décimales",null,null,null,"x","x","x"]
["QN_41","ORG_62","Branches in rural areas ",4,"x","nombre sans décimales",null,null,null,"x","x","x","x",null,"x","x",null,null,null,"SDG1/2"]
["QN_42","ORG_63","Number of branches in excluded/poor areas",3,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":7},"SDG1"]
["QN_42","ORG_63","Number of branches in excluded/poor areas","Number of branches in excluded/poor areas",{"$nulls":7},"x"]
["QN_43","ORG_301","Number of branches/point of sales located in or near biodiversity-sensitive areas where activities can negatively affect those areas",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"1.7",null,null,"SDG13","guidance:\n‘activities negatively affecting biodiversity-sensitive areas’ means activities (i) leading to the deterioration of natural habitats and the habitats of species and to disturbance of the species for which the protected area has been designated; and (ii) where conclusions or necessary mitigation measures identified by any of the following assessments have not been implemented accordingly.  ‘biodiversity-sensitive areas’ means Natura2000 (European only), UNESCO World Heritage sites and Key Biodiversity Areas(‘KBAs’)\n link with websites defining these areas at country level, see doc SFDR"]
["QN_44","ORG_64","Staff composition and working conditions",2,null,"cadre",null,null,"x","x","x","x","x",null,"x","x"]
["QN_45","ORG_65","Number of staff",3,"x","nombre sans décimales",null,null,"x","x","x","x","x",null,"x","x",null,"x","x","SDG8"]
["QN_46","ORG_66","Women",4,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":6},"x","SDG5"]
["QN_47","ORG_67","Men",4,"x","nombre sans décimales",null,null,null,"x","x","x"]
["QN_50","ORG_68","Number of total staff employed for one year or more ",3,"x","nombre sans décimales",null,null,null,"x","x","x",{"$nulls":5},"x","x","SDG8"]
["QN_51","ORG_69","Number of women staff employed for one year or more",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_52","ORG_70","Number of exits of staff of the past 12 months",3,"x","nombre sans décimales",null,null,null,"x","x","x",{"$nulls":7},"SDG8"]
["QN_53","ORG_71","Number of exits of women staff during the period",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_54","ORG_72","Number of staff in credit and front office operations",3,"x","nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,"x"]
["QN_55","ORG_73","Women",4,"x","nombre sans décimales",null,null,null,"x","x","x",{"$nulls":6},"x","SDG5"]
["QN_56","ORG_74","Men",4,"x","nombre sans décimales",null,null,null,"x","x","x"]
["QN_57","ORG_75","Number of management staff",3,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":6},"x"]
["QN_58","ORG_76","Women",4,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":6},"x","SDG5"]
["QN_59","ORG_77","Men",4,"x","nombre sans décimales",null,null,null,"x","x","x"]
["QN_60","ORG_304","Number of staff under 25 years of age",3,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":5},"below 18 year old",null,"SDG10"]
["QN_63","ORG_307","Annual total payroll",3,null,"nombre sans décimales",null,null,"x","x","x","x",{"$nulls":4},"1.12",null,"x"]
["QN_64","ORG_308","Annual women payroll",3,null,"nombre sans décimales",null,null,"x","x","x","x",{"$nulls":4},"1.12",null,"x"]
["QN_74","ORG_318","Number of staff who received an internal or external training on the reporting period",3,null,"nombre sans décimales",{"$nulls":4},"x","x",{"$nulls":7},"SDG4"]
["QN_75","ORG_319","Total hours of training (staff x hours)",3,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":7},"SDG4"]
["QN_76","ORG_320","Number of women staff who received an internal or external training on the reporting period",3,null,"nombre sans décimales",{"$nulls":4},"x","x",{"$nulls":6},"x","SDG5"]
["QN_77","ORG_321","Total hours of training for women (women staff x hours)",3,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_78","ORG_322","Number of staff who received training on environmental performance management (organization environmental footprint, client vulnerability, client adverse impact, green products offered, assessment process, etc.) on the reporting period  ",3,null,"nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":6},"SDG13"]
["QN_79","ORG_323","Total hours of trainings on environmental performance management (staff x hours of \"green\" training)",3,null,"nombre sans décimales",{"$nulls":5},"x","x",{"$nulls":6},"SDG13"]
["QN_80","ORG_324","Total annual budget allocated to trainings",3,null,"nombre sans décimales",null,null,null,"x","x","x",{"$nulls":5},"x",null,"SDG4"]
["QN_81","ORG_325","Total annual budget allocated to trainings related to environment and social policies and strategies",3,null,"nombre sans décimales",{"$nulls":5},"x","x",{"$nulls":6},"SDG13"]
["QN_83","ORG_327","Absenteeism rate (number of days of absence from work over total number of days of work)",3,null,"nombre avec décimales",{"$nulls":4},"x","x",{"$nulls":7},"SDG8"]
["QN_132","ORG_136","Client composition",2,null,"cadre",null,null,"x","x","x","x","x","x","x","x",null,null,"x"]
["QN_133","ORG_137","Number of active borrowers",3,"x","nombre sans décimales",null,null,"x","x","x","x","x","x","x","x",null,null,"x","SDG8"]
["QN_134","ORG_138","Women borrowers",4,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":6},"x","SDG5"]
["QN_135","ORG_139","Men borrowers",4,"x","nombre sans décimales",null,null,null,"x","x","x"]
["QN_136","ORG_140","Legal entities",4,null,"nombre sans décimales",null,"SME",null,"x","x","x",{"$nulls":7},"SDG 8"]
["QN_140","ORG_141","Rural borrowers",3,"x","nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG1/2"]
["QN_141","ORG_142","Urban borrowers",3,null,"nombre sans décimales",null,null,null,"x","x","x"]
["QN_142","ORG_143","Number of voluntary savers",3,"x","nombre sans décimales",null,null,null,"x","x","x","x",null,"x","x",null,null,"x","SDG8"]
["QN_143","ORG_144","Women savers",4,"x","nombre sans décimales",null,null,null,"x","x","x",{"$nulls":6},"x","SDG5"]
["QN_144","ORG_145","Men savers",4,null,"nombre sans décimales",null,null,null,"x","x","x"]
["QN_145","ORG_146","Legal entity",4,null,"nombre sans décimales",null,null,null,"x","x","x"]
["QN_146","ORG_149","Total number of clients",3,"x","nombre sans décimales",null,null,null,"x","x","x",null,"x","x","x",null,null,null,"SDG8"]
["QN_147","ORG_332","Number of clients gaining access to financial services for the first time during the reporting period",3,null,"nombre sans décimales",null,null,null,"x","x","x",{"$nulls":7},"SDG1"]
["QN_180","ORG_150","Borrowers retention",2,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_181","ORG_151","Active borrowers at the beginning of the period",3,"x","nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,"x","SDG8"]
["QN_182","ORG_152","Women",{"$nulls":8},"x"]
["QN_183","ORG_154","New borrowers during the period ",3,"x","nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,"x","SDG8"]
["QN_184","ORG_155","Women",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_84","ORG_78","PRODUCTS AND SERVICES",1,null,"cadre",null,null,null,"x","x","x","x",null,"x","x"]
["QN_85","ORG_79_1","Delivery models",2,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_86","ORG_79_2","Physical channels",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_87","ORG_79_3","Digital field applications for staff",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_88","ORG_79_4","Mobile loan disbursement / repayment",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_86","ORG_79_2","Physical channels",{"$nulls":8},"x",null,null,"x"]
["QN_87","ORG_79_3","Digital field applications for staff",{"$nulls":8},"x",null,null,"x"]
["QN_88","ORG_79_4","Mobile loan disbursement / repayment",{"$nulls":8},"x",null,null,"x"]
["QN_89","ORG_79_5","ATM, debit/credit cards, internet banking",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x"]
["QN_90","ORG_79_6","Online lending",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x"]
["QN_91","ORG_79_7","Mobile lending",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x"]
["QN_92","ORG_79_8","Other mobile financial services",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x"]
["QN_93","ORG_79_9","Pay as you go",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_94","ORG_81","Loans",2,null,"cadre",{"$nulls":5},"x","x",null,"x","x"]
["QN_95","ORG_82","Microenterprise loans",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x",null,null,null,"SDG1"]
["QN_96","ORG_84","SME loans",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x",null,null,null,"SDG8"]
["QN_97","ORG_85","Loans for agriculture",3,null,"Case à cocher","YN",{"$nulls":4},"x","x",null,"x","x",null,null,null,"SDG2"]
["QN_98","ORG_86","Loans for education",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x",null,null,null,"SDG4"]
["QN_99","ORG_86_1","Emergency loans",3,null,"Case à cocher","YN",{"$nulls":4},"x","x",null,"x","x",null,null,null,"SDG1"]
["QN_100","ORG_87","Housing loans",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x",null,null,null,"SDG11"]
["QN_101","ORG_83_2","Consumer loans",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_102","ORG_88","Microleasing",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_103","ORG_88_1","Other, please specify in comments",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_104","ORG_89","Deposits",2,null,"cadre",null,null,null,"x","x","x","x",null,"x","x"]
["QN_105","ORG_91","Voluntary sight deposits",3,null,"Case à cocher","YN",null,null,"x","x","x","x",{"$nulls":6},"SDG8"]
["QN_106","ORG_92","Compulsory savings (cash collateral)",{"$nulls":8},"x",null,null,"x"]
["QN_107","ORG_93","Voluntary time deposits",3,null,"Case à cocher","YN",null,null,"x","x","x","x",{"$nulls":6},"SDG8"]
["QN_108","ORG_94_1","Other, please specify in comments",{"$nulls":8},"x"]
["QN_109","ORG_95_1","Insurance",2,null,"cadre",null,null,null,"x","x","x","x",null,"x","x"]
["QN_110","ORG_96","Mandatory life insurance",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG1"]
["QN_111","ORG_99","Voluntary life insurance",3,null,"Case à cocher","YN",null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG1"]
["QN_112","ORG_97","Agriculture insurance",3,null,"Case à cocher","YN",{"$nulls":4},"x","x",{"$nulls":6},"SDG2"]
["QN_113","ORG_103","Health insurance",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG3"]
["QN_114","ORG_101","Property insurance",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG8"]
["QN_115","ORG_104_1","Other, please specify in comments",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_116","ORG_105","Other financial services",2,null,"cadre",null,null,null,"x","x","x"]
["QN_117","ORG_106","Debit / credit card",{"$nulls":8},"x"]
["QN_118","ORG_106_1","Payment services",3,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"SDG8"]
["QN_119","ORG_106_3","Factoring",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG8"]
["QN_120","ORG_108","Savings facilitation services",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG8"]
["QN_121","ORG_109","Remittance/money transfer services",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG10"]
["QN_122","ORG_109_1","Other, please specify in comments",3,null,"Case à cocher","YN",{"$nulls":4},"x"]
["QN_123","ORG_110","Non financial services",2,null,"cadre",null,null,null,"x","x","x","x",{"$nulls":5},"x"]
["QN_124","ORG_113","Enterprise services",3,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"SDG8"]
["QN_125","ORG_116","Education services",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG4"]
["QN_126","ORG_117","Financial literacy education",3,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":7},"SDG4"]
["QN_127","ORG_123","Health services",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":7},"SDG3"]
["QN_128","ORG_128","Women's empowerment services",3,null,"Case à cocher","YN",{"$nulls":4},"x",{"$nulls":6},"x","SDG5"]
["QN_129","ORG_328","Non financial sevices on environmental performance (information / training / technical assistance on environmental risk management / green practices and technologies)",3,null,"Case à cocher","YN",{"$nulls":4},"x","x"]
["QN_130","ORG_134","Other non financial services",3,null,"Case à cocher","YN",null,null,"x","x","x"]
["QN_131","ORG_134_2","Non financial services outreach (number of clients reached during period)",3,null,"nombre sans décimales",null,null,null,"x","x","x"]
["QN_195","ORG_337","Number of partnerships established during the reporting period with specialized organizations to implement the environmental performance strategy",3,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_148","ORG_204","FINANCIAL INFORMATION & EXTERNAL REPORTING",1,null,"cadre",null,null,"x","x","x","x",null,"x","x","x"]
["QN_149","ORG_205","Key financial indicators",2,null,"cadre",null,null,"x","x","x","x",null,"x","x","x"]
["QN_150","ORG_206","Total Assets, volume, currency used in the report",3,"x","nombre sans décimales",null,null,"x","x","x","x",null,"x","x","x",null,null,null,"SDG8"]
["QN_152","ORG_207","Return on Assets (%)",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,"x","x","x"]
["QN_153","ORG_208","Return on Equity (%)",3,"x","nombre avec décimales",null,null,"x","x","x","x"]
["QN_365","ORG_453","Average Return On Assets over the past 3 years",3,null,"nombre avec décimales",{"$nulls":5},"x",null,"x","x","x"]
[null,"ORG_454","Revenue (net interest income) ",3,null,"nombre avec décimales",null,null,"x","x","x","x"]
["QN_154","ORG_209","Financial Expense Ratio (as a % of average GLP)",3,"x","nombre avec décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_155","ORG_210","Operating Expense Ratio (as a % of average GLP)",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,null,"x","x"]
[null,"ORG_455","Operating Expense Ratio (as a % of average assets)",{"$nulls":8},"x",null,"x","x"]
[null,"ORG_456","Maximum Expected Operating Expense Ratio",3,null,"nombre avec décimales",{"$nulls":5},"x",null,"x","x","x"]
["QN_156","ORG_211","Operational Self-Sufficiency (%)",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,null,"x","x"]
["QN_157","ORG_212","Nominal Portfolio Yield (%)",3,"x","nombre avec décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_158","ORG_213","PAR >30 + rescheduled (%)",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,null,"x","x"]
["QN_159","ORG_286","PAR >30 + rescheduled (%) for women",4,null,"nombre avec décimales",{"$nulls":5},"x",{"$nulls":6},"x"]
["QN_160","ORG_214","Write-offs (during the period) (%)",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,null,"x","x"]
[null,"ORG_457","Net Loan Loss Expense ratio (as a % of average assets)",3,null,"nombre avec décimales",{"$nulls":5},"x",null,"x","x","x"]
["QN_162","ORG_199","Pricing of loans",2,null,"cadre",null,null,"x","x","x","x",null,"x","x","x"]
["QN_163","ORG_200","How does the provider calculate the interest rate of its most representative loan product?",3,"x","Liste","IR Method",null,"x","x","x","x",null,"x","x","x"]
["QN_164","ORG_202","Average APR of the loan portfolio",3,"x","nombre avec décimales",null,null,"x","x","x","x",null,"x","x","x"]
[null,"ORG_202_1","Tool used to calculate APR",3,"x","liste","APR_Tool",null,"x","x","x","x",null,"x","x","x"]
["QN_165","ORG_216","Endorsement / Membership",2,null,"cadre",null,null,"x","x","x","x",null,"x","x","x"]
["QN_166","ORG_218","Joined the Client Protection Pathway",3,null,"Case à cocher","YN",null,"x","x","x","x",null,"x","x","x"]
["QN_167","ORG_225","Paying member of the Social Performance Task Force",3,null,"Liste","SPTF Levels",{"$nulls":4},"x",null,null,"x","x"]
["QN_168","ORG_222","Atlas data platform reporting",3,null,"Liste","Frequency",null,null,null,"x","x",null,null,"x","x"]
["QN_71","ORG_229","Other social performance initiative (please specify)",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,null,"x","x"]
["QN_172","ORG_230","Ratings, assessments and certifications",2,null,"Cadre",null,null,null,"x","x","x",null,"x","x","x"]
["QN_176","ORG_236","Most recent Social Rating : Rating Agency ",3,null,"Liste","Rater",null,null,"x","x","x",null,"x","x","x"]
["QN_177","ORG_237","Date",4,null,"champs libre date",null,null,null,"x","x","x",null,"x","x","x"]
["QN_178","ORG_238","Rating grade",4,null,"Liste","RaterSRGrade",null,null,"x","x","x",null,"x","x","x"]
["QN_170","ORG_228","Code of Conduct Assessment",3,null,"Case à cocher","YN",{"$nulls":4},"x",null,"x","x","x"]
["QN_173","ORG_230_2","Most recent Client Protection certification : Certification Body",3,null,"Liste","Rater",null,null,"x","x","x",null,"x","x","x"]
["QN_174","ORG_230_3","Date",4,null,"champs libre date",null,null,null,"x","x","x",null,"x","x","x"]
["QN_175","ORG_230_4","Certification level",4,null,"Liste","Certification",null,null,"x","x","x",null,"x","x","x"]
["QN_219","ORG_135","BASIC PORTFOLIO INFORMATION",1,null,"cadre",null,null,"x","x","x","x","x","x","x","x",null,null,"x"]
["QN_220","ORG_158","Gross Loan Portfolio",2,null,"cadre",null,null,"x","x","x","x","x","x","x","x"]
["QN_221","ORG_178","Amount of Gross Loan Portfolio in the currency used in the report",3,"x","nombre sans décimales",null,null,"x","x","x","x","x","x","x","x",null,null,"x","SDG8"]
["QN_222","ORG_194","Gross Loan Portfolio in rural areas",4,"x","nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":6},"SDG2"]
["QN_223","ORG_195","Gross Loan Portfolio to women",4,"x","nombre sans décimales",null,null,"x","x","x","x",{"$nulls":6},"x","SDG5"]
["QN_224","ORG_361","Gross Loan Portfolio for green products and technologies ",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",{"$nulls":6},"SDG13"]
["QN_225","ORG_362","Gross Loan Portfolio classified as medium/high risk for social or environmental issues",3,null,"nombre sans décimales",{"$nulls":5},"x","X",{"$nulls":7},"Guidance: somme secteurs à risque identifiés ou propre segmentation"]
["QN_226","ORG_363","Portfolio by Lending methodology",2,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_227","ORG_180","Group loan",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG1"]
["QN_228","ORG_364","Individual loan (offline/direct)",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_229","ORG_365","Individual loan (online/digital)",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_230","ORG_196","Deposits portfolio",2,null,"cadre",null,null,null,"x","x","x","x"]
["QN_231","ORG_197","Amount of total deposits in the currency used in the report",3,null,"nombre sans décimales",null,null,null,"x","x","x","x",{"$nulls":6},"SDG8"]
["QN_232","ORG_197_1","Amount of total deposits by women in the currency used in the report",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_233","ORG_198","Amount of voluntary deposits in the currency used in the report",3,null,"nombre sans décimales"]
["QN_234","ORG_198_1","Amount of voluntary deposits by women in the currency used in the report",4,null,"nombre sans décimales"]
["QN_235","ORG_135","ADVANCED PORTFOLIO INFORMATION",1,null,"cadre",null,null,null,"x","x","x","x",null,"x","x",null,null,"x"]
["QN_236","ORG_366","Number of outstanding loans",2,null,"cadre",{"$nulls":5},"x","x",null,"x","x"]
["QN_237","ORG_162","Total number of outstanding loans",3,null,"nombre sans décimales",{"$nulls":5},"x","x",null,"x","x",null,null,"x","SDG8"]
["QN_238","ORG_177_1","Number of outstanding rural loans",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":7},"SDG2"]
["QN_239","ORG_177_2","Number of outstanding loans to women",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_240","ORG_367","Number of Outstanding Green loans",4,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_241","ORG_368","Total number of loans disbursed for energy efficiency, renewable energy during the reporting period",4,null,"nombre sans décimales",{"$nulls":5},"x","x",{"$nulls":7},"focus energy as small loans one time so less visible in outstanding portfolio"]
["QN_242","ORG_369","Loan portfolio by purpose",2,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_243","ORG_178_1","Legal entities - Microenterprises (less than 5 full time employees)",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG8"]
["QN_244","ORG_178_2","Legal entities - SME (between 5 and 250 full time employees)",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG8"]
["QN_245","ORG_178_3","Legal entities - Corporates (more than 250 full time employees)",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG8"]
["QN_246","ORG_178_4","Housing",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG11"]
["QN_247","ORG_370","Education",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,null,"SDG4"]
["QN_248","ORG_178_5","Personal/Household consumption",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_249","ORG_178_6","Other",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_250","ORG_371","Loan portfolio by sector",2,null,"cadre",null,null,"x","x","x","x","x",null,null,null,"x"]
["QN_251","ORG_178_8","1 - AGRICULTURE, FORESTRY AND FISHING (NACE A) (please fill in details below if 1 represents more than 5% of GLP)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Agriculture, hunting and forestry",null,"SDG2"]
["QN_252","ORG_372","Growing of crop",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",null,null,"SDG2"]
["QN_253","ORG_373","Animal production, hunting and related services",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",null,null,"SDG2"]
["QN_254","ORG_374","Forestry and logging + wood production + charcoal making",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x","Fishing",null,"SDG2"]
["QN_255","ORG_375","Fishing and aquaculture",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x",null,null,"SDG2"]
["QN_257","ORG_377","2 - MINING AND QUARRYING (NACE B)  (please fill in details below if 2 represents more than 5% of GLP)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Mining and quarrying "]
["QN_258","ORG_378","Extraction of crude petroleum, natural gas, mining of coal and lignite",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_259","ORG_379","Other mining activities/ raw materials extraction",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_260","ORG_380","3 - MANUFACTURING (NACE C)  (please fill in details below if 3 represents more than 5% of GLP)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Manufacturing ",null,"SDG8"]
["QN_261","ORG_381","Manufacture of food and beverages",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_262","ORG_382","Manufacture of textile",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_263","ORG_383","Manufacture of leather, wearing apparel (including fur), and related products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_264","ORG_384","Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_265","ORG_385","Manufacture of paper and paper products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_266","ORG_386","Printing / film processing facilities/printing services",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_267","ORG_387","Manufacture of coke and refined petroleum products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_268","ORG_388","Manufacture of chemicals, rubber and plastic products, paint",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_269","ORG_389","Manufacture of basic pharmaceuticals products and pharmeceutical preparations",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_270","ORG_390","Manufacture of glass and glass products, porcelaine and ceramic products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_271","ORG_391","Manufacture of cement and concrete / brick making/ construction works",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_272","ORG_392","Manufacture of basic metals, fabricated metal products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_273","ORG_393","Manufacture of computer, electronics (including watches, clocks, precision instruments, photographic equipment, medical equipment) and optical products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_274","ORG_394","Manufacture of machinery and equipment n.e.c",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_275","ORG_395","Manufacture of handicrafts",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_276","ORG_396","Manufacture of jewellery, bijouterie and related articles",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_277","ORG_469","Other manufacturing activities",4,null,"nombre sans décimales",null,null,null,"x","x","x","x"]
["QN_278","ORG_398","4 - ELECTRICITY, GAS, STEAM AND AIR CONDITIONING SUPPLY (NACE D)  (please fill in details below if 4 represents more than 5% of GLP)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Electricity, gas and water supply",null,"SDG7"]
["QN_279","ORG_399","Renewable Energy",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_280","ORG_400","Combustion based and other non renewable energy",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_282","ORG_402","5 - WATER SUPPLY; SEWERAGE, WASTE MANAGEMENT AND REMEDIATION ACTIVITIES (NACE E)  (please fill in details below if 5 represents more than 5% of GLP)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x",null,null,"SDG6"]
["QN_283","ORG_403","Water collection, treatment and supply",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_284","ORG_404","Sewerage, waste collection, treatment and disposal activities; materials recovery, waste management and remediation",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_285","ORG_405","6 - CONSTRUCTION (NACE F)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Construction",null,"SDG11"]
["QN_289","ORG_409","7 - WHOLESALE AND RETAIL TRADE (NACE G)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Wholesale and retail trade; repair of motor vehicles and motorcycles ",null,"SDG8"]
["QN_290","ORG_410","Garages (repair of motor vehicles and motorcycles)",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
[null,"ORG_470","Wholesale of solid, liquid and gaseous fuels and related products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x"]
[null,"ORG_471","Retail sale of automotive fuel in specialised stores",4,null,"nombre sans décimales",null,null,null,"x","x","x","x"]
[null,"ORG_472","Other wholesale and retail trade",4,null,"nombre sans décimales",null,null,null,"x","x","x","x"]
[null,"ORG_412","8 - TRANSPORTATION AND STORAGE (NACE H)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Transport, storage and communication",null,"SDG8"]
[null,"ORG_473","Transport and storage of fossil fuels",4,null,"nombre sans décimales",null,null,null,"x","x","x","x"]
[null,null,"Transport and storage of fossil fuels",{"$nulls":6},"x","x","x"]
[null,"ORG_474","Other transport and storage",{"$nulls":6},"x","x","x"]
["QN_296","ORG_459","9 - ACCOMODATION AND FOOD SERVICES ACTIVITIES",3,null,"nombre sans décimales",null,null,"x","x","x","x","x"]
["QN_297","ORG_416","10 - FINANCIAL AND INSURANCE ACTIVITIES (NACE K)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Financial intermediation"]
["QN_298","ORG_417","11 - REAL ESTATE ACTIVITIES (NACE L)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Real estate, renting and business activities"]
["QN_299","ORG_419","12 - HEALTH (NACE Q)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Health and social work",null,"SDG3"]
["QN_300","ORG_420","13 - OTHER SERVICE ACTIVITIES (NACE S)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x"]
["QN_301","ORG_421","Washing and (dry-)cleaning of textile and fur products",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x"]
["QN_302","ORG_422","Other service activities",4,null,"nombre sans décimales",null,null,null,"x","x","x","x",null,null,null,"x","Hotels and restaurants"]
["QN_303","ORG_423","14 - NON PRODUCTIVE LOANS",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"x","Other / Misceallaneous"]
["QN_304","ORG_424","Loan portfolio by term of the loans",2,null,"cadre",null,"SME",null,"x","x","x"]
["QN_305","ORG_425","1-90 days",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_306","ORG_426","91-180 days",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_307","ORG_427","181-365 days",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_308","ORG_428","12-24 months",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_309","ORG_429","over 2 years",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_310","ORG_430","Loan portfolio by size of the loans",2,null,"cadre",null,"SME",null,"x","x","x"]
["QN_311","ORG_431","$0 to $50",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_312","ORG_432","$50 to $500",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_313","ORG_433","$501 to $2,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_314","ORG_434","$2,001 to $5,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_315","ORG_435","$5,001 to $10,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_316","ORG_436","$10,001 to $50,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_317","ORG_437","$50,001 to $100,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_318","ORG_438","$100,001 to $250,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_319","ORG_439","$250,001 to $500,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_320","ORG_440","over $500,000",3,null,"nombre sans décimales",null,"SME",null,"x","x","x"]
["QN_192","ORG_334","ESG CHECK",1,null,"cadre",null,null,"x","x","x","x","x"]
["QN_196","ORG_338","Environemental check: Energy, resources, waste",2,null,"cadre",null,null,"x","x","x","x","x"]
["QN_197","ORG_339","Total electricity consumption at headquarters and branches, for the reporting period in KWh",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"1.5"]
["QN_198","ORG_340","% Off grid renewable (solar, wind, biomass/biofuels, water/geothermal)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"1.5"]
["QN_199","ORG_341","% Off grid non-renewable (coal, natural gas, generator)",3,null,"nombre sans décimales",null,null,"x","x","x","x","x",null,null,null,"1.5"]
["QN_200","ORG_342","Fuel consumption in liters",3,null,"nombre sans décimales",{"$nulls":5},"x","x",{"$nulls":7},"Carburant (essence, diesel, fuel lourd…) pour les véhicules, générateurs et autres équipements de l'institution"]
["QN_2011","ORG_353","Water consumption at headquarters and branches for the reporting period (in m3)",3,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_2012","ORG_354","Paper consumption at headquarters and branches for the reporting period (in kg)",3,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_2013","ORG_355","Waste disposed at headquarters and branches for the reporting period (in metric tons) ",3,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_2014","ORG_356","Waste disposed recycled/reused for the reporting year (in metric tons)",3,null,"nombre sans décimales",{"$nulls":5},"x","x"]
["QN_215","ORG_357","Total GHG emissions",2,null,"cadre",null,null,"x","x","x","x","x"]
["QN_216","ORG_358","Scope 1 Greenhouse gas emissions",3,null,"nombre sans décimales",null,null,"x","x","x","x","x"]
["QN_217","ORG_359","Scope 2 Greenhouse gas emissions",3,null,"nombre sans décimales",null,null,"x","x","x","x","x"]
["QN_218","ORG_360","Scope 3 Greenhouse gas emissions",3,null,"nombre sans décimales",null,null,"x","x","x","x","x"]
[null,"ORG_460","Social check",2,null,"cadre",null,null,"x","x","x","x"]
[null,"ORG_461","Sanction (e.g. fine/administrative/judicial sanctions) or non-monetary punishment regarding to the following topics during the last reporting period:\n* Business practices against the Usury Law or the Consumer Protection Law\n* Non compliance of National Labor Law \n* Funding environmentally damaging activities\n* Tax evasion or avoidance\n* Non compliance with national Anti Money Laundering Law",3,null,"Case à cocher","YN",null,"x","x","x","x"]
[null,"ORG_462","Dispute in courts, lawsuits, convictions applied to the provider or its employees during the last reporting period, related to the following topics:\n* Dispute in courts with current or former clients\n* Dispute in courts with current or former employees\n* Anti-Money Laundry/Combatting the financing of terrorism\n* Corruption including extorsion and bribery",3,null,"Case à cocher","YN",null,"x","x","x","x"]
[null,"ORG_463","The following events have been identified and reported to financial authorities/supervisor/ legal instances during the last reporting year:\n* Fraud\n* Money laundering scheme or financing of terrorism (regarding borrowers)\n* Bribery/corruption (regarding borrowers)",3,null,"Case à cocher","YN",null,"x","x","x","x"]
["QN_66","ORG_310","Employee labor issues for the reporting period\n* Accidents\n* Strikes",3,null,"Case à cocher","YN",null,null,"x","x","x",{"$nulls":5},"x",null,"SDG8"]
[null,"ORG_464","Governance check",2,null,"cadre",null,null,"x","x","x","x"]
["QN_37","ORG_300","Number of independent board members",3,null,"nombre sans décimales",null,null,"x","x","x","x",{"$nulls":8},"guidance: definition of \"independent\", from good goverannce practices"]
["QN_151","ORG_333","Percentage of shares owned by local investors",3,null,"nombre avec décimales",null,null,"x","x","x","x",{"$nulls":7},"SDG8"]
[null,"ORG_465","Adequate accounting and auditing systems, including:\n* Quarterly financial reports approved by the CEO or executive board\n* Annual financial statements audited by recognized firm",3,null,"Case à cocher","YN",null,"x","x","x","x"]
[null,"ORG_478","Adequate corporate governance:\n* A board of directors which meets regularly;\n* Records of shareholders, if applicable\n* Other equivalent document for legal forms without shareholders, if applicable\n* Annual shareholders’ meetings, OR Annual General Assembly meetings.\n* All shareholders / members are provided with all material information and a detailed agenda in advance of meetings",3,null,"Case à cocher","YN",null,"x","x","x","x"]
["QN_321","ORG_150_2","OUTCOMES AND SDG",1,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
[null,"ORG_467","Clients by profile",2,null,"cadre"]
["QN_322","ORG_441","Number of end-beneficiaries being low income households (as per national definition or provider’s own client segmentation)",3,null,"nombre sans décimales"]
["QN_323","ORG_442","Number of young clients (or borrowers)",3,null,"nombre sans décimales"]
["QN_324","ORG_443","Number of illiterate clients (or borrowers)",3,null,"nombre sans décimales"]
["QN_325","ORG_444","Number of disabled clients (or borrowers)",3,null,"nombre sans décimales"]
["QN_137","ORG_329","Number of active SMEs financed",3,null,"nombre sans décimales",null,"SME",{"$nulls":11},"SDG 8"]
["QN_138","ORG_330","Number of newly founded SMEs financed",3,null,"nombre sans décimales",null,"SME",{"$nulls":11},"SDG 8"]
["QN_185","ORG_249","Client Satisfaction",2,null,"cadre",null,null,null,"x","x","x",null,null,"x","x"]
["QN_186","ORG_250","How many complaints has the provider received in the last 3 months? ",3,null,"nombre sans décimales",null,null,null,"x","x","x",null,null,"x","x",null,null,"x","SDG10"]
["QN_187","ORG_251","Of these complaints in the last 3 months, how many come from women?",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG10"]
["QN_188","ORG_252","Of these complaints in the last 3 months, how many have been resolved?",4,null,"nombre sans décimales",{"$nulls":5},"x",{"$nulls":7},"SDG10"]
["QN_187","ORG_251","Of these complaints in the last 3 months, how many come from women?",{"$nulls":8},"x"]
["QN_188","ORG_252","Of these complaints in the last 3 months, how many have been resolved?",{"$nulls":8},"x"]
["QN_189","ORG_253","If the provider has conducted a satisfaction survey in the last 12 months, % of the clients who declared to be satisfied or very satisfied by the provider:",3,null,"nombre avec décimales",null,null,null,"x","x","x",null,null,"x","x"]
["QN_190","ORG_254","On this satisfaction survey, % of women clients who declared to be satisfied or very satisfied?",3,null,"nombre avec décimales",{"$nulls":5},"x",{"$nulls":6},"x","SDG5"]
["QN_190","ORG_254","On this satisfaction survey, % of women clients who declared to be satisfied or very satisfied?",{"$nulls":8},"x"]
["QN_191","ORG_254_1","Net Promoter Score",3,null,"nombre avec décimales",null,null,null,"x","x","x"]
[null,"ORG_468","Changes for clients",2,null,"cadre"]
["QN_326","ORG_445","Number of borrowers with increased income (or business assets) on next loan cycle (from MIS and loan application forms)",3,null,"nombre sans décimales"]
["QN_327","ORG_446","Number of SMEs with increased income (or business assets) on next loan cycle (from MIS and loan application forms)",3,null,"nombre sans décimales",null,"SME"]
["QN_328","ORG_447","Number of SMEs with improved business practices (e.g. new products, new markets/clients, new delivery channels, improved HR policies)",3,null,"nombre sans décimales",null,"SME"]
["QN_329","ORG_448","Number of jobs supported",3,null,"nombre sans décimales"]
["QN_330","ORG_449","Number of new jobs created",3,null,"nombre sans décimales",null,"SME"]
["QN_331","ORG_450","Number of women borrowers declaring that they have used the loan for their own economic activity",3,null,"nombre sans décimales"]
["QN_332","ORG_451","Number of women borrowers declaring that they have the capacity to contribute financially to the household needs  ",3,null,"nombre sans décimales"]
[null,"ORG_475","Percentage of customers considering the repayment as a burden",3,null,"nombre sans décimales"]
[null,"ORG_476","Percentage of customers who declare that their savings have increased",3,null,"nombre sans décimales"]
[null,"ORG_477","Percentage of customers who declare that their monthly household spendings have increased",3,null,"nombre sans décimales"]
[null,"ORG_478","Percentage of customers who declare that their capacity to manage their budget have increased (control)",3,null,"nombre sans décimales"]
[null,"ORG_479","Percentage of customers who declare that their number and/or quality of meals have improved",3,null,"nombre sans décimales"]
[null,"ORG_480","Percentage of customers who declare that their household assets have increased",3,null,"nombre sans décimales"]
[null,"ORG_481","Percentage of customers who declare that their quality of life have improved",3,null,"nombre sans décimales"]
[null,"ORG_482","Percentage of customers who declare that the provider is trustworthy",3,null,"nombre sans décimales"]

{"sheet":"CP indic","index":3,"n_rows":188,"n_cols":10,"rows_kept":188,"cut":false,"hidden":false,"merged":[]}
["QL","CPS#","CP 3.0","CP LEVEL*","Label","CP Label","CP COMMIT","CP FULL","CP CERTIF","*E=Entry, P=Progress, A=Advanced, O=Other"]
["QL_106",1,"1.0.0.0",null,"CP Standard","The provider's products, services, and channels benefit clients.","x","x","x"]
["QL_99",1,"1.1.0.0",null,"EP","The provider uses data to identify patterns of financial behavior by client segment.","","x","x"]
["QL_101",1,"1.1.1.0","O","Indicator","The provider analyzes product use (types and frequency) by demographic and socioeconomic segments of its clients.","","x","x"]
["QL_102",1,"1.2.0.0",null,"EP","The provider collects client feedback on their experiences using the provider's products and services.","x","x","x"]
["QL_103",1,"1.2.1.0","P","Indicator","The provider conducts client satisfaction surveys. Minimum frequency: every other year","x","x","x"]
["QL_104",1,"1.2.2.0","O","Indicator","The provider conducts interviews with dormant and/or exiting clients to look for evidence of product design failures.","","x","x"]
["QL_107",1,"1.3.0.0",null,"EP","The provider uses insights from client data to design products, services, and delivery channels.","","x","x"]
["QL_108",1,"1.3.1.0","A","Indicator","The provider designs new products, services (financial and non-financial), and delivery channels using insights from market and pilot studies, client feedback, and client outcomes data.","","x","x"]
["QL_109",1,"1.3.2.0","O","Indicator","The provider modifies its existing products and services in response to clients' needs, feedback, and outcomes.","","x","x"]
["QL_117",1,"1.4.0.0",null,"EP","The provider's products, services, and channels protect clients from harm.","x","x","x"]
["QL_118",1,"1.4.1.0","E","Indicator","The provider tailors repayment schedules to the client's cash flows and type of business.","x","x","x"]
["QL_119",1,"1.4.2.0",null,"Indicator","The provider's collateral and guarantor requirements do not create severe hardship for clients.","x","x","x"]
["QL_120",1,"1.4.2.1","P","Detail","The provider has a list of assets that cannot be pledged as collateral, which includes items that would create severe hardship or significant loss of income earning ability for the client.","x","x","x"]
["QL_121",1,"1.4.2.2","A","Detail","Collateral valuation is based on a verifiable market price/resale value. The credit committee or second level approval verifies the collateral valuation.","x","x","x"]
["QL_122",1,"1.4.2.3","A","Detail","The minimum requirement for the value of collateral does not exceed two times the loan amount, and cash collateral does not exceed 20% of the loan amount.","x","x","x"]
["QL_123",1,"1.4.2.4","E","Detail","If the provider collects title documents, it returns them to the client once the loan is repaid.","x","x","x"]
["QL_125",1,"1.4.3.0","A","Indicator","If the provider lends in hard currency, it informs clients of the foreign exchange risk using cost scenarios. The provider can also justify the decision not to lend in local currency.","x","x","x"]
["QL_127",1,"1.4.4.0",null,"Indicator","If the provider offers voluntary insurance, it assesses the value of insurance products to clients.","","x","x"]
["QL_128",1,"1.4.4.1","O","Detail","The provider analyzes data on product use: product uptake, claims ratio, renewal rate, and coverage ratio.","","x","x"]
["QL_129",1,"1.4.4.2","O","Detail","The provider analyzes data on how it processes claims: claims rejection ratio, average time for claim's resolution, reasons for rejection of claims, reasons for lapses in coverage.","","x","x"]
["QL_130",1,"1.4.4.3","O","Detail","The provider analyzes data on client experience with insurance: demographics of those covered, complaints, client satisfaction.","","x","x"]
["QL_131",1,"1.4.4.4","O","Detail","If the claims ratio for life insurance is below 60%, the provider asks the insurance provider to justify the reason. ","","x","x"]
["QL_132",1,"1.4.5.0","O","Indicator","If the provider uses agents, it monitors agent liquidity and whether agents respect client protection practices, and has mechanisms to address problems as needed.","","x","x"]
["QL_133",1,"1.4.6.0",null,"Indicator","If the provider uses digital channels, it monitors whether the following problems occur and has mechanisms to address problems as needed:","","x","x"]
["QL_134",1,"1.4.6.1","O","Detail","Transaction errors such as transactions that are not completed or are incorrectly completed; funds transferred to an incorrect account; funds sent to a receiver who was not able to cash out the funds within a certain period of time","","x","x"]
["QL_135",1,"1.4.6.2","O","Detail","System malfunctions such as extended outage, scheduled downtime, or processing delays","","x","x"]
["QL_148",2,"2.0.0.0",null,"CP Standard","The provider does not overindebt clients.","x","x","x"]
["QL_149",2,"2.1.0.0",null,"EP","The provider makes loan decisions based on a client's repayment capacity.","x","x","x"]
["QL_150",2,"2.1.1.0",null,"Indicator","The provider has a policy and documented process for loan approvals.","x","x","x"]
["QL_151",2,"2.1.1.1","P","Detail","The percentage of a borrower's disposable income that can be applied to debt service may not be higher than 70%, including debt from the provider and other lenders.","x","x","x"]
["QL_152",2,"2.1.1.2","E","Detail","Loan approval decisions are made by at least two people, one of whom does not interact directly with the client.","x","x","x"]
["QL_153",2,"2.1.1.3","E","Detail","If a credit bureau exists, the provider reports client data to credit bureaus and uses credit reports in the approval process for loans.","x","x","x"]
["QL_154",2,"2.1.1.4","O","Detail","If the provider offers group loans, either the provider or fellow group members conduct due diligence for each group member.","","x","x"]
["QL_155",2,"2.1.2.0",null,"Indicator","The provider conducts a cash flow analysis to evaluate repayment capacity.","x","x","x"]
["QL_156",2,"2.1.2.1","E","Detail","The provider conducts a cash flow analysis that considers income, expenses and debt service related to business and family, and any other sources of revenue, including informal sources. ","x","x","x"]
["QL_157",2,"2.1.2.2","E","Detail","The provider does not use guarantees, guarantor income, collateral, and/or insurance coverage as proxies for repayment capacity or as the main basis for loan approval.","x","x","x"]
["QL_158",2,"2.1.3.0",null,"Indicator","The provider's policy on loan prepayment specifies the conditions under which it is acceptable for clients to pay a loan early in order to take a new loan.","","x","x"]
["QL_159",2,"2.1.3.1","P","Detail","When the client applies for prepayment to get another loan, the provider specifies a time period and/or percentage of the active loan's principle that must be repaid before being eligible for a new loan.","","x","x"]
["QL_160",2,"2.1.3.2","P","Detail","When the client is taking another loan immediately after prepayment, the provider conducts a new cash flow analysis.","","x","x"]
["QL_161",2,"2.1.4.0",null,"Indicator","If the loan approval analysis is done through an algorithm, the provider reviews how well the algorithm functions. Minimum frequency: annually","","x","x"]
["QL_162",2,"2.1.4.1","A","Detail","The provider reviews the effectiveness of the algorithm for predicting client repayment.","","x","x"]
["QL_163",2,"2.1.4.2","O","Detail","The provider checks its algorithms for bias against Protected Categories and corrects as needed. ","","x","x"]
["QL_164",2,"2.2.0.0",null,"EP","The provider monitors the market and responds to heightened over-indebtedness risk.","x","x","x"]
["QL_165",2,"2.2.1.0",null,"Indicator","Senior management monitors portfolio quality to identify over-indebtedness risk. Minimum frequency: monthly","","x","x"]
["QL_166",2,"2.2.1.1","E","Detail","The provider analyzes portfolio quality by branch, product, and client segment.","","x","x"]
["QL_167",2,"2.2.1.2","P","Detail","The provider tracks restructured, rescheduled, or refinanced loans.","","x","x"]
["QL_168",2,"2.2.2.0","E","Indicator","The provider defines PAR levels that trigger additional internal monitoring and response.","x","x","x"]
["QL_169",2,"2.2.3.0","A","Indicator","If the provider's total credit risk has averaged more than 10% during any quarter in the past three years, the provider has taken corrective measures.","","x","x"]
["QL_320",2,"2.3.0.0",null,"EP","The provider's strategic and/or business plan establishes responsible growth targets.","x","x","x"]
["QL_321",2,"2.3.1.0","P","Indicator","The provider adjusts growth targets to market saturation.","x","x","x"]
["QL_327",2,"2.4.0.0",null,"EP","During times of high growth, the provider monitors more frequently data related to responsible growth.","","x","x"]
["QL_333",2,"2.4.1.0","O","Indicator","When the provider identifies growth that is harmful to clients, it takes mitigating action such as reducing growth targets, applying more conservative loan approval criteria, or limiting the total number of loans an individual can have at one time.","","x","x"]
["QL_170",3,"3.0.0.0",null,"CP Standard","The provider gives clients clear and timely information to support client decision making.","x","x","x"]
["QL_171",3,"3.1.0.0",null,"EP","The provider is transparent about product terms, conditions, and pricing.","x","x","x"]
["QL_172",3,"3.1.1.0","E","Indicator","The provider gives a Key Facts Summary Document to borrowers before they sign a contract. The document contains the following information:\n- Total loan amount\n- Pricing, including all fees\n- Total cost of credit: all principal, interest, and fees plus cash collateral\n- Disbursement date and loan term\n- Repayment schedule with principal and interest amounts, number, and due dates of all repayment installments\n- All deductions from principal disbursement (eg: first installment, commissions, fees, cash collateral, taxes), if applicable\n- How cash collateral / manadatory savings can be used in case of default, if applicable\n- Moratorium interest rates, terms, and conditions, if applicable","x","x","x"]
["QL_173",3,"3.1.2.0","P","Indicator","Loan contracts include the following information, as applicable to the product:\n- Grace period\n- Mandatory savings / mobile wallet amount\n- Automatic account debiting mechanisms\n- Linked products\n- Member or guarantor obligations\n- Collateral requirements and seizing procedures\n- Consequences of late payment and default\n- Prepayment conditions: whether it is possible and how it affects the cost\n- Whether terms and conditions can change over time and how that would affect clients","","x","x"]
["QL_174",3,"3.1.3.0","E","Indicator","Loan contracts are available in the major local languages.","","x","x"]
["QL_175",3,"3.1.4.0",null,"Indicator","The provider communicates product information in a way that supports informed decision making by clients.","","x","x"]
["QL_176",3,"3.1.4.1","P","Detail","The provider publishes basic product information, including pricing, at branch or agent locations, or digitally as applicable.","","x","x"]
["QL_177",3,"3.1.4.2","A","Detail","The provider communicates APR/EIR (or MPR if the majority of loans are under 3 months) in the Key Facts Summary and/or the loan contract.","","x","x"]
["QL_178",3,"3.1.4.3","E","Detail","The provider's communications are in simple and local language; oral information is used for less literate clients.","","x","x"]
["QL_179",3,"3.1.4.4","P","Detail","The provider's marketing materials do not deceive or mislead clients.","","x","x"]
["QL_180",3,"3.1.5.0","A","Indicator","If the provider uses agents, it verifies that they provide to clients documentation of their fees, terms of service, and cancellation conditions.","","x","x"]
["QL_181",3,"3.1.6.0","E","Indicator","If the provider offers savings, documentation includes the following:\n- Fees, including closure fees\n- Interest rate and how amounts will be calculated\n- Minimum and maximum balance requirements\n- Whether deposits are governmentally insured","x","x","x"]
["QL_182",3,"3.1.7.0","P","Indicator","If the provider offers payments, it gives the following information to clients who are initiating or receiving money transfers, or using other payment services:\n- Amount paid by sender, in sender's currency\n- Estimated exchange rate\n- Amount to be received in the destination currency\n- Fees\n- Instructions for collecting payment\n- Cancellation conditions\n- Instructions for resolving errors\n- Transaction confirmation\n- Taxes\n- Linked products (if any)","","x","x"]
["QL_183",3,"3.1.8.0","E","Indicator","If the provider offers insurance, it gives clients the following information at the time of enrollment:                                             \n- A certificate of coverage which states, at minimum, the premium, amount and term of coverage, who are the beneficiaires, which events are covered, any major exclusions, and when and how to file a claim\n- An explanation of the documentation required to prove damage, if applicable\n- Terms related to cancellation and prepayment, if applicable","x","x","x"]
["QL_184",3,"3.1.9.0",null,"Indicator","If the provider offers insurance, it provides beneficiaries with timely information during the claims process.","","x","x"]
["QL_185",3,"3.1.9.1","O","Detail","The provider notifies the beneficiary within 30 days of making a decision about the claim.","","x","x"]
["QL_186",3,"3.1.9.2","O","Detail","When the claim decision results in a settlement, the provider notifies the beneficiary within 30 days of the settlement. If the claim is denied, the provider notifies the beneficiary of the reason and gives an opportunity for appeal.","","x","x"]
["QL_187",3,"3.2.0.0",null,"EP","The provider communicates with clients at appropriate times and through appropriate channels.","x","x","x"]
["QL_188",3,"3.2.1.0",null,"Indicator","The provider gives clients the opportunity to review the terms and conditions of products.","x","x","x"]
["QL_189",3,"3.2.1.1","E","Detail","The provider offers a channel for clients to ask questions and receive additional information prior to signing contracts.","x","x","x"]
["QL_190",3,"3.2.1.2","A","Detail","The provider gives clients notice and the opportunity to opt out before automatically renewing a voluntary product.","","x","x"]
["QL_191",3,"3.2.2.0","E","Indicator","The provider gives clients a completed, signed copy of the contract and makes the contract accessible anytime in an online account or in physical form.","x","x","x"]
["QL_192",3,"3.2.3.0",null,"Indicator","The provider gives clients clear and accurate account balance information in the following ways:","x","x","x"]
["QL_193",3,"3.2.3.1","P","Detail","Providing access to their up-to-date loan or savings balance upon request.","","x","x"]
["QL_194",3,"3.2.3.2","A","Detail","Sending automatic messages to clients whenever there is an automatic deduction from the client account.","","x","x"]
["QL_195",3,"3.2.3.3","E","Detail","Providing receipts, on paper or electronically, for every transaction.","x","x","x"]
["QL_196",3,"3.2.4.0","E","Indicator","If loan repayments are automatically debited from a client account, the provider sends clients a loan repayment reminder at least one day before loan repayments are due. ","","x","x"]
["QL_334",4,"4.0.0.0",null,"CP Standard","The provider sets prices responsibly.","x","x","x"]
["QL_335",4,"4.1.0.0",null,"EP","The provider charges fair prices.","x","x","x"]
["QL_336",4,"4.1.1.0","A","Indicator","The interest rate takes into account the following costs required to deliver credit: funding costs, operating costs, loan losses, and returns to capital.","","x","x"]
["QL_337",4,"4.1.2.0","E","Indicator","Annual Percentage Rate (APR) for all of the provider's major credit products (> 20% portfolio) is within 15% of its peers. If it is outside the range, the provider can provide a valid justification.","x","x","x"]
["QL_338",4,"4.1.3.0","A","Indicator","The provider discloses loan interest on a declining balance and according to the exact date of payment.","x","x","x"]
["QL_339",4,"4.1.4.0","P","Indicator","Loan interest (including arrears interest) does not accrue past 180 days in arrears, at maximum.","x","x","x"]
["QL_340",4,"4.2.0.0",null,"EP","The provider charges reasonable fees.","","x","x"]
["QL_341",4,"4.2.1.0","O","Indicator","The provider does not charge clients for confirmation of transactions and balance inquiries. ","","x","x"]
["QL_342",4,"4.2.2.0","O","Indicator","Prepayment penalties do not include the interest that would have accrued between time of prepayment and the end of the loan term.","","x","x"]
["QL_343",4,"4.2.3.0","O","Indicator","Arrears interest and penalties do not compound debt; they are calculated based on the principal amount only.","","x","x"]
["QL_344",4,"4.2.4.0",null,"Indicator","If the provider offers savings, it charges reasonable fees on savings accounts.","","x","x"]
["QL_345",4,"4.2.4.1","P","Detail","Fees on deposit accounts are not disproportionately high relative to small deposit balances.","","x","x"]
["QL_346",4,"4.2.4.2","O","Detail","The fee structure for deposit accounts does not allow zeroing out accounts through repeated application of fees.","","x","x"]
["QL_347",4,"4.3.0.0",null,"EP","The provider does not transfer unnecessary costs to clients.","x","x","x"]
["QL_348",4,"4.3.1.0","O","Indicator","Loan Loss Expense Ratio (LLER Ratio) is within the accepted performance range. If it is outside the range, the provider can provide a valid justification.","","x","x"]
["QL_349",4,"4.3.2.0","E","Indicator","Operating expense Ratio (OER Ratio) is within the accepted performance range. If outside of the range, the provider can provide a valid justification.","x","x","x"]
["QL_350",4,"4.3.3.0","A","Indicator","Return on Assets (ROA) is within the accepted performance range. If outside of the range, the provider can provide a valid justification.","X","x","x"]
["QL_197",5,"5.0.0.0",null,"CP Standard","The provider enforces fair and respectful treatment of clients.","x","x","x"]
["QL_299",5,"5.1.0.0",null,"EP","During the recruitment and hiring process, the provider assesses each candidate's commitment to achieving the provider's social goals and serving its target clients.","","x","x"]
["QL_303",5,"5.1.1.0","P","Indicator","All employees sign a document acknowledging that they will abide by the Code of Conduct.","","x","x"]
["QL_198",5,"5.2.0.0",null,"EP","The provider's code of conduct requires fair and respectful treatment of clients.","x","x","x"]
["QL_199",5,"5.2.1.0","P","Indicator","The provider's code of conduct states the organizational values, standards of professional conduct, and treatment of clients that it expects of all employees, and defines the sanctions to apply in case of a breach.","x","x","x"]
["QL_200",5,"5.2.2.0",null,"Indicator","The provider's policies prohibit the following:","x","x","x"]
["QL_201",5,"5.2.2.1","E","Detail","Corruption, theft, kickbacks, fraud","x","x","x"]
["QL_202",5,"5.2.2.2","E","Detail","Client intimidation: using abusive language, using physical force, limiting physical freedom, sexual harassment, shouting at the client, entering the client’s home uninvited, publicly humiliating the client, using threats","x","x","x"]
["QL_203",5,"5.2.2.3","E","Detail","Discrimination against all internationally recognized Protected Categories. [Note: Protected Categories are as follows: People over 40 years old; Sex; Race/ethnicity/national extraction/social origin /caste; Religion; Health status, including HIV status; Disability; Sexual orientation; Political affiliation/opinion; Civil/marital status; Participation in a trade union.]","x","x","x"]
["QL_204",5,"5.2.3.0","O","Indicator","The provider informs clients, verbally or in writing, about the prohibited behaviors found in the code of conduct.","","x","x"]
["QL_205",5,"5.2.4.0","O","Indicator","If the provider partners with third parties, it reviews the third party's code of conduct prior to signing a contract to check for commitment to fair and respectful treatment of clients.","","x","x"]
["QL_206",5,"5.3.0.0",null,"EP","The provider does not use aggressive sales techniques.","x","x","x"]
["QL_207",5,"5.3.1.0","O","Indicator","The provider has internal controls to monitor whether employees or agents are engaging in aggressive sales.","","x","x"]
["QL_208",5,"5.3.2.0",null,"Indicator","The provider's incentive structure does not promote aggressive sales.","x","x","x"]
["QL_209",5,"5.3.2.1","E","Detail","When front-line employees' salaries are comprised of a fixed and a variable portion, the fixed portion must represent at least 50% of total salary. ","x","x","x"]
["QL_210",5,"5.3.2.2","E","Detail","The provider monitors front-line employees' productivity ratios and investigates those that are above a predetermined threshold.","x","x","x"]
["QL_211",5,"5.4.0.0",null,"EP","The provider protects clients' rights to respectful treatment during the loan collection process.","x","x","x"]
["QL_212",5,"5.4.1.0",null,"Indicator","The provider's collections policy includes the following:","x","x","x"]
["QL_213",5,"5.4.1.1","P","Detail","A list of appropriate and inappropriate debt collections practices, including collateral seizing practices.","x","x","x"]
["QL_214",5,"5.4.1.2","E","Detail","A schedule for the collections process that allows time for the debt collector to determine the reasons for a client’s default and for the client to find solutions.","x","x","x"]
["QL_215",5,"5.4.1.3","E","Detail","The provider informs the client prior to seizure of collateral, allowing the client to attempt to remedy the default.","x","x","x"]
["QL_216",5,"5.4.1.4","E","Detail","A prohibition on sales of the clients' collateral to the provider, the staff of the provider, to their relatives, or to third parties involved in the seizing process.","x","x","x"]
["QL_217",5,"5.4.2.0","E","Indicator","The provider restructures or writes off loans on an exceptional basis, based on a list of cases of specific distress.","x","x","x"]
["QL_218",6,"6.0.0.0",null,"CP Standard","The provider secures client data and informs clients about their data rights.  ","x","x","x"]
["QL_219",6,"6.1.0.0",null,"EP","The provider maintains the security and confidentiality of client data.","x","x","x"]
["QL_220",6,"6.1.1.0","O","Indicator","The provider has data security and confidentiality policies that cover the gathering, use, distribution, storage, and retention of client information.","","x","x"]
["QL_221",6,"6.1.2.0",null,"Indicator","The provider maintains physical and electronic files in a secure system.","x","x","x"]
["QL_222",6,"6.1.2.1","E","Detail","System access is restricted to only the data and functions that correspond to an employee's role (\"least privilege\" principle).","x","x","x"]
["QL_223",6,"6.1.2.2","O","Detail","The provider controls employee use of files outside the office and the provider keeps records of the names of employees who request/are granted access to client files.","","x","x"]
["QL_224",6,"6.1.2.3","O","Detail","The provider defines a clear process to safeguard client data when employees leave the organization.","","x","x"]
["QL_225",6,"6.1.3.0","O","Indicator","The provider conducts a risk assessment to identify the data-related risks to clients. Minimum frequency: every year","","x","x"]
["QL_226",6,"6.1.4.0","A","Indicator","If the provider works with third parties that have access to client data, the provider's agreements specify that third parties will maintain the security and confidentiality of client data.","","x","x"]
["QL_227",6,"6.2.0.0",null,"EP","The provider informs clients about data privacy and data rights.","x","x","x"]
["QL_228",6,"6.2.1.0","E","Indicator","The provider explains to clients how it will use client data, with whom it will share the data, and how third parties will use the data. The provider receives clients' consent before using or sharing their data. ","x","x","x"]
["QL_229",6,"6.2.2.0",null,"Indicator","Information about data use and consent is easy for clients to understand.","","x","x"]
["QL_230",6,"6.2.2.1","A","Detail","When requesting consent from clients to use their data, the provider explains in simple, local language, either in writing or orally, how it will use the data. Internet links to disclosure statements are not sufficient.","","x","x"]
["QL_231",6,"6.2.2.2","O","Detail","The provider trains clients on the importance of protecting their personal information including Personal Identification Numbers (PINs), savings account balances and information on repayment problems.","","x","x"]
["QL_232",6,"6.2.2.3","A","Detail","The provider gives clients the right to withdraw their permission to use data and explains any consequences of withdrawal.","","x","x"]
["QL_233",6,"6.2.3.0","O","Indicator","The provider notifies clients of their right to review and correct their personal and financial data. ","","x","x"]
["QL_234",7,"7.0.0.0",null,"CP Standard","The provider receives and resolves client complaints.","x","x","x"]
["QL_235",7,"7.1.0.0",null,"EP","The provider has a complaints mechanism that is easily accessible to clients and adapted to their needs.","x","x","x"]
["QL_236",7,"7.1.1.0","E","Indicator","Clients have a way to submit complaints to persons other than their loan officer/product officer and that person's supervisor.","x","x","x"]
["QL_237",7,"7.1.2.0","E","Indicator","The provider has at least two complaints channels that are free of charge and accessible to clients.","","x","x"]
["QL_238",7,"7.1.3.0",null,"Indicator","The provider informs clients how to submit a complaint.","x","x","x"]
["QL_239",7,"7.1.3.1","E","Detail","The provider displays information on how to submit a complaint in branch offices, at agent locations, in product documentation, and in all digital channels it uses to provide services to clients.","x","x","x"]
["QL_240",7,"7.1.3.2","A","Detail","At the time when clients are applying to use a product, the provider informs clients on how to submit a complaint both to itself and to any third party partner.","","x","x"]
["QL_241",7,"7.1.4.0","O","Indicator","If the complaint mechanism initially handles complaints through automated means, the provider makes a channel with live, human interaction available to clients.","","x","x"]
["QL_242",7,"7.2.0.0",null,"EP","The provider resolves complaints efficiently.","","x","x"]
["QL_243",7,"7.2.1.0","A","Indicator","The provider's complaints policy identifies levels of severity and requires that severe complaints are escalated immediately to senior management. ","","x","x"]
["QL_244",7,"7.2.2.0","A","Indicator","The provider's complaints mechanism ensures that all formal complaints are registered in a secure system that reaches the complaints handling staff and/or management.","","x","x"]
["QL_245",7,"7.2.3.0",null,"Indicator","The provider resolves client complaints quickly.","","x","x"]
["QL_246",7,"7.2.3.1","O","Detail","The provider sends to clients a confirmation of receipt of their complaints and a notification when the complaint has been resolved.","","x","x"]
["QL_247",7,"7.2.3.2","O","Detail","If a provider receives complaints via call centers or chat, it monitors the average wait time.","","x","x"]
["QL_248",7,"7.2.3.3","A","Detail","The provider resolves at least 90% of complaints within one month. If the resolution takes longer than one month, the provider notifies the client of the reason for the delay.","","x","x"]
["QL_249",7,"7.2.4.0","O","Indicator","Complaints handling staff have access to relevant client data, including transaction details and notes from previous complaint conversations.","","x","x"]
["QL_250",7,"7.3.0.0",null,"EP","The provider uses information from complaints to manage operations and improve product and service quality.","","x","x"]
["QL_251",7,"7.3.1.0","O","Indicator","The complaints system creates a report for management and customer care staff. Minimum frequency: monthly","","x","x"]
["QL_252",7,"7.3.2.0","O","Indicator","Management reviews complaints reports and key performance indicators (e.g., average time to resolve, percent resolved) and takes corrective action to resolve systematic problems leading to complaints. Minimum frequency: annually","","x","x"]
["QL_253",7,"7.3.3.0","O","Indicator","If the provider partners with third parties, the provider helps its clients to resolve complaints they have with those third parties.","","x","x"]
["QL_426",8,"8.0.0.0",null,"CP Standard","The governance and management are committed to Client Protection, and HR systems support its implementation","x","x","x"]
["QL_47",8,"8.1.0.0",null,"EP","The board makes strategic decisions based on social and financial data.","x","x","x"]
["QL_48",8,"8.1.1.0",null,"Indicator","The board uses the following data, provided by management, to monitor client protection. Minimum frequency: annually","x","x","x"]
["QL_49",8,"8.1.1.1","A","Detail","Analysis of the risk of client over-indebtedness.","x","x","x"]
["QL_50",8,"8.1.1.2","O","Detail","Analysis of client dissatisfaction: rates of client dormancy and drop-out, results of exit surveys, and client complaints.","","x","x"]
["QL_51",8,"8.1.1.3","O","Detail","Interest rates and whether they are responsible.","x","x","x"]
["QL_52",8,"8.1.1.4","O","Detail","Reports on the provider's systems for data privacy and security, particularly any failures or breeches.","x","x","x"]
["QL_53",8,"8.1.1.5","O","Detail","Reports on any fraud or corruption, including extorsion and bribery.","x","x","x"]
["QL_61",8,"8.1.2.0","A","Indicator","The board takes corrective action when it identifies risks to clients, risks to employees, or when the provider is not achieving its social goals.","x","x","x"]
["QL_76",8,"8.2.0.0",null,"EP","Management makes strategic and operational decisions based on social and financial data.","x","x","x"]
["QL_77",8,"8.2.1.0",null,"Indicator","Senior management analyzes the following data and assesses risks. Minimum frequency: annually","x","x","x"]
["QL_78",8,"8.2.1.1","O","Detail","Analysis of client protection risks (over-indebtedness, unfair treatment, lack of transparency, privacy of client data, complaints, fraud, corruption and bribery)","x","x","x"]
["QL_81",8,"8.2.2.0",null,"Indicator","Internal audit and/or risk management integrates the following criteria into regular monitoring activities:","x","x","x"]
["QL_82",8,"8.2.2.1","A","Detail","Client repayment capacity, loan approval analysis, prevention of aggressive sales","x","x","x"]
["QL_83",8,"8.2.2.2","O","Detail","Transparency to clients","x","x","x"]
["QL_84",8,"8.2.2.3","O","Detail","Compliance with code of conduct; prevention of fraud and corruption","x","x","x"]
["QL_85",8,"8.2.2.4","P","Detail","Collateral seizing and appropriate debt collection practices","x","x","x"]
["QL_86",8,"8.2.2.5","O","Detail","Client data misuse and fraud","x","x","x"]
["QL_87",8,"8.2.2.6","O","Detail","Complaints handling, including review of a sample of cases","x","x","x"]
["QL_88",8,"8.2.3.0","O","Indicator","Management takes corrective action when it identifies risks to clients, risks to employees, or when the provider is not achieving its social goals","x","x","x"]
["QL_304",8,"8.3.0.0",null,"EP","The provider trains all employees on its social goals and on client protection.","x","x","x"]
["QL_306",8,"8.3.1.0",null,"Indicator","The provider trains employees on client protection, in line with their roles and responsibilities. The training covers at minimum the following topics:","x","x","x"]
["QL_307",8,"8.3.1.1","P","Detail","Repayment capacity analysis and the credit approval process","x","x","x"]
["QL_308",8,"8.3.1.2","O","Detail","How to avoid aggressive sales techniques, including how to respect clients' right to refuse products","x","x","x"]
["QL_309",8,"8.3.1.3","P","Detail","How to explain pricing, terms and conditions to clients and how to verify client understanding","x","x","x"]
["QL_310",8,"8.3.1.4","P","Detail","Debt collections practices and loan recovery procedures","x","x","x"]
["QL_311",8,"8.3.1.5","O","Detail","Confidentiality and data sharing policies and fraud risks, including common frauds, fraud identification, and fraud reporting","x","x","x"]
["QL_312",8,"8.3.1.6","O","Detail","How the complaints mechanism works, how to resolve complaints against third party providers, and how to treat clients respectfully during the process","x","x","x"]
["QL_313",8,"8.4.0.0",null,"EP","The provider evaluates and incentivizes employees based on social and financial criteria.","x","x","x"]
["QL_314",8,"8.4.1.0",null,"Indicator","Employee performance appraisals and incentives include client protection or social performance criteria.","x","x","x"]
["QL_315",8,"8.4.1.1","A","Detail","The performance evalution includes client protection criteria, such as portfolio quality and customer service, including treating clients respectfully and without discrimination.","x","x","x"]
["QL_317",8,"8.4.2.0","O","Indicator","The provider reviews incentive schemes to check for negative consequences such as fraud, customer mistreatment, agressive sales, over-indebtedness, or high employee turnover.","","x","x"]