Online Guide
SEPM Guide
Discover our Guide for Social and Environmental Performance Management
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Resources
Guidelines
Transparency Policies and Procedures for Four Products
Table summarizing the requirements for disclosure and transparency for 4 core products: loans, savings, payments and insurance.
Publications
Study on the Drivers of Over-Indebtedness of Microfinance Borrowers in Cambodia: An In-depth Investigation of Saturated Area
This study focuses on providing an in-depth understanding of the drivers of overindebtedness (OID) in selected saturated areas, which represent less than 6% of total villages in Cambodia.
Guidelines
Smart Lending: Client Protection in the Group Lending Process: An Overview of Client Protection Practices in Group Lending for Financial Institutions
A tool for financial institutions (FIs) that want to incorporate client protection practices into their group lending process. As group lending continues to be one of the most popular methodologies for delivering financial services throughout the world, this tool should prove useful to scores of financial service providers. The tool is applicable to a wide range of credit methodologies, and can be adapted for use by FIs employing village banking methodology, Grameenstyle “group of groups” methodology, and other forms of group lending. Section I provides guidelines for FIs on group loan product design and staff training. Appropriate product design and adequate staff training do not apply to a specific phase of the group lending process, rather, they provide a foundation for client protection throughout the entire process. Section II divides the group lending process into five key phases and identifies good client protection practice for each phase. The five phases are: (1) Client Recruitment and Group Preparation, (2) Loan Application, (3) Evaluation and Loan Approval, (4) Disbursement, (5) Customer Service and Collections.
Guidelines
Segmentation Variables Table
Table showing examples of general and product-specific variables that can be used to segment clients into more homogenous groupings.
Case studies & Field examples
Sample Rescheduling Policy
Provides an example of a rescheduling policy that details how and under what conditions a client's loan may be rescheduled.
Case studies & Field examples
Responsible Digital Transformation - the Case of Hermandad de Honduras--Spanish
Caso de estudio detallado sobre el proceso usado por Hermandad de Honduras para desarrollar y validar un sistema digital para la solicitud y aprobación de préstamos.
Case studies & Field examples
Responsible Digital Transformation - the Case of Hermandad de Honduras--English
Detailed case study of Hermandad de Honduras' process to developand test digital loan application and approval system.
Guidelines
Renewable Energy & Energy Efficient Products Catalogue
This series of fact sheets, developed by the GICSF Action Group, presents 14 Renewable Energy or Energy Efficient devices for poor households and microentrepreneurs that can be financed through microfinance products. Each fact sheet describes the selected option, its ease of distribution, installation and maintenance, the required costs to be financed, and its benefits for end-users, MFIs and the environment.
Case studies & Field examples
RENACA Produits financiers d'accès à l'énergie solaire
Ces fiches synoptiques présentent les caractéristiques des 3 produits financiers d'accès à l'énergie solaire proposés par le RENACA : pour usage domestiques, en pay-as-you-go, et pour usage productif.
Case studies & Field examples
Refinancing Policy (FUBODE, Bolivia)
Example from FUBODE Bolivia of a refinancing and rescheduling policy.
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