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Kiva Fellows Trained on Social Performance Management
- 1. Social Performance at Kiva Kiva Fellows Training October 2010 JD Bergeron
- 2. Session Objectives 1. Trainees will learn why Kiva cares about Social Performance 2. Trainees will learn how SP is defined and utilized within the microfinance industry 3. Trainees will learn about Kiva’s strategy for Social Performance
- 3. Mission of reaching the poor, but… • No use of targeting tools • Inappropriate product offerings • No measurement of progress out of poverty • No focus on client protection
- 4. Over-indebtedness & Collection Practices • Focus on growth provides wrong incentives for MFIs • Abusive practices
- 5. Unaligned Incentives • Sole focus on small loans or client retention • Emphasis on financial return / social return marginalized • Aligning client needs and funder interests
- 6. Known Issues for Microfinance
- 7. How is Social Performance defined in the industry?
- 8. The effective translation of an institution’s mission into practice in line with accepted social values Social Performance - Definition SOCIAL PERFORMANCE TASK FORCE
- 9. These values can relate to: Reaching target market Delivering high-quality and appropriate financial services Responding to the needs of clients, their families, and communities Ensuring responsibility toward its employees, its clients, the community it serves, and the environment What is Social Performance? SOCIAL PERFORMANCE TASK FORCE
- 10. These values can relate to: Reaching target market Targeting and Outreach Delivering high-quality and appropriate financial services Products and Services Responding to the needs of clients, their families, and communities Benefit to Clients Ensuring responsibility toward its employees, its clients, the community it serves, and the environment Social Responsibility What is Social Performance? SOCIAL PERFORMANCE TASK FORCE
- 11. What is the state of the MF industry in regards to social performance monitoring & auditing?
- 12. Social performance in Microfinance • Social Audits: Quality Assessment tool, CERISE SPI tool • Social Ratings: Planet Rating, MicroRate, M-Cril, Microfinanza • Social Performance Management: Imp-Act Consortium • Poverty Assessment Tools: Progress out of Poverty Index™ (PPI) , USAID Poverty Assessment Tool (PAT) • Client protection: Center for Financial Inclusion SMART Campaign • Advocacy: Social Performance Taskforce, CGAP Social Impact Center
- 13. • SMART Campaign Client Protection Principles – Avoidance of Over-indebtedness – Transparent and Responsible Pricing – Client Rights and Appropriate Collection Practices – Ethical Staff Behavior – Mechanism for Redress of Grievances – Privacy of Client Data Do No Harm
- 14. What is Kiva’s strategy? • Measuring – CERISE Social Performance Indicators • Verifying – Borrower Verification – Client Waiver – Endorsement of Client Protection Principles • Communicating – Educating Kiva users – Core Justifications for Partnership – Journal updates on borrowers
- 15. Core Justifications for Partnership • Fund unique offerings • Reward unique offerings • Expand access to microcredit $25 $25 Where does my Kiva $ go?
- 16. What is Kiva’s strategy? Kiva SP Scorecard
- 17. What is Kiva’s strategy? Communicating: Kiva SP Scorecard Benefit to clients beyond financial Promotion of Savings Transparent Pricing Gender Focus
- 18. Communicating SP Scorecard on Kiva.org Social Performance Strengths:
- 19. In the future
Notes de l'éditeur
- Internal for now Timeframe is pilot till dec end Then if all goes well training to partners/internal and roll out We will use ovreall rating internally at first Plan to have external rating by the end of 2010 Borrowers Who are the MFI borrowers? Where do they live? Are they moving out of poverty? Products and services Are clients happy with the MFI products? Does the MFI provide non financial services? Benefits to clients Does the MFI empower its clients? Does the MFI address its clients special needs? Social Responsibility Is the MFI adopting measures that support its staff, clients, community and the environment?
- Internal for now Timeframe is pilot till dec end Then if all goes well training to partners/internal and roll out We will use ovreall rating internally at first Plan to have external rating by the end of 2010 Borrowers Who are the MFI borrowers? Where do they live? Are they moving out of poverty? Products and services Are clients happy with the MFI products? Does the MFI provide non financial services? Benefits to clients Does the MFI empower its clients? Does the MFI address its clients special needs? Social Responsibility Is the MFI adopting measures that support its staff, clients, community and the environment?
- Internal for now Timeframe is pilot till dec end Then if all goes well training to partners/internal and roll out We will use ovreall rating internally at first Plan to have external rating by the end of 2010 Borrowers Who are the MFI borrowers? Where do they live? Are they moving out of poverty? Products and services Are clients happy with the MFI products? Does the MFI provide non financial services? Benefits to clients Does the MFI empower its clients? Does the MFI address its clients special needs? Social Responsibility Is the MFI adopting measures that support its staff, clients, community and the environment?