Online Guide
SEPM Guide
Discover our Guide for Social and Environmental Performance Management
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Resources
Guidelines
Avoidance of Over-indebtedness: Guidelines for Financial and Non-financial Evaluation
A tool for financial service providers that want to incorporate good client protection practices into their evaluation processes for individual loan clients. Specifically, the tool provides guidelines for determining a loan applicantâs capacity and willingness to repay a loan. A careful evaluation process is critical to avoiding client overindebtedness, the situation in which a client cannot repay a loan without sacrificing his or her quality of life.
Case studies & Field examples
Musoma Investigates and Addresses Causes of Over-Indebtedness
Explains the actions that Musoma took to reduce over-indebtedness when it noticed that many of its clients were selling or forfeiting assets to pay off loans.
Case studies & Field examples
ESAF Rewards Staff for Achieving SPM Targets
ESAF built a branch-level incentive system that incorporates social targets, SPM audit and client satisfaction metrics among other elements.
Case studies & Field examples
Ujjivan Incentivizes Customer Service
Description of how Ujjivan incorporates social metrics and customer care into its staff incentive system.
Guidelines
Social Performance Factors to Examine During Internal Audit
Examples of key areas to assess in internal audits to monitor social performance.
Case studies & Field examples
Example Incentive Structure That Balances Portfolio Growth, Size and Quality
Provides a short example of how a mid-sized provider in Peru structured their incentives to balance growth, size and quality.
Guidelines
Guidelines for Case Load Limits
Provides guidance on setting appropriate case load limits for group and individual loans.
Case studies & Field examples
Examples of Social Variables for Incentivizing Employees
Examples of different types of indicators and criteria that can be incorporated in loan officer evaluations to integrate a social performance lens into the evaluation.
Case studies & Field examples
SKS and Equitas Protect Client Data
Briefly describes SKS and Equitas' policies and protocols for handling and protecting client data.
Guidelines
Guidance for Adequate Training of Employees on Code of Conduct and Client Protection
Discusses key elements of code of conduct and client protection that should be emphasized during loan officer training.
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