Publications

MIMOSA: Microfinance Index of Market Outreach and Saturation

03 Jun 2014
  • Emmanuelle Javoy
  • Daniel Rozas

This paper presents the first analysis of credit market capacity using the Global Findex dataset, a survey on the use of financial services in 148 countries, published in April 2012. Unlike other development interventions, too much credit can be a bad thing. Knowing where the upper limit lies is thus critical for microfinance practitioners, whose goal is to improve access to financial services in the poorer segments of the world’s […]

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Study on the Drivers of Over-Indebtedness of Microfinance Borrowers in Cambodia

03 Jun 2014
  • Dannet Liv

Microfinance has grown rapidly over the last decade, directly reaching millions of poor people worldwide, providing credit and other forms of financial services. If used judiciously, it can serve as an effective instrument in promoting financial inclusion. It is mainly for this reason that BlueOrchard Finance, Incofin and Oikocredit have been investing significant amounts of capital and other resources in MFIs around the world. The microfinance sector in Cambodia has […]

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Does good client protection impact financial performance?

03 Jun 2014
  • B. Perez-rocha
  • A.G.F. Hoepner
  • L. Spaggiari
  • C. Lapenu
  • B. Brusky

Serve clients well. Prevent over-indebtedness. Be transparent and price products reasonably. Treat clients respectfully, listen to their grievances and protect their privacy. It’s hard to argue against any one of these things. the seven client Protection Principles make undisputedly good sense. but do they make for good business? This is the question a multi-stakeholder group asked itself back in June 2011 during a meeting of the e-MFP Making Microfinance Investment […]

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Building the Foundation for Understanding Transparent Pricing

28 May 2014

    Within the microfinance community, there is a significant gap between our strong desire to understand true prices and our limited technical knowledge about how to calculate true prices. This training session, developed by the world’s leading pricing expert, introduces the foundations of transparent pricing. It will provide you with the tools you need to demystify transparent pricing. Featuring practical examples, screenshots from the Calculating Transparent Prices Tool and practice exercises, […]

    The Challenge of Understanding Pricing of Micro-loans

    28 May 2014
    • Chuck Waterfield

    For decades, the microfinance industry made a rather disciplined effort to ignore prices we were charging on our loan products. That changed with the Compartamos IPO of 2007, where the largest MFI in Latin America made hundreds of millions of dollars in profit while charging interest rates of over 100%. This provoked intense discussion as the industry tried to understand what true interest rates really are, and as we tried […]

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    In the Fast Lane: Innovations in Digital Finance

    08 May 2014
    • Marcia Parada
    • Greta Bull

    Sub-Saharan Africa (SSA) poses many challenges to financial inclusion: basic infrastructure is relatively underdeveloped, populations are still very rural and therefore widely dispersed,and a large proportion of the population (48.5%) lives below the international poverty line of $1.25 per day. As a result, it is estimated that only 17.5% of adults across the continent have access to an account at a formal financial institution. And yet, poor families receive wages, run businesses, […]

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    Smart Operations A Guide for Financial Institutions on Incorporating Client Protection Practices into Institutional Operational Areas

    06 May 2014

      Financial institutions (FIs) must involve employees from every operational area in an effort to achieve adequate client protection. Rather than designating client protection as a “special project” to select employees, FIs should ensure that each department has specific client protection responsibilities. This tool suggests appropriate roles for 11 of the most common areas of microfinance operations. FIs can use this tool to assign client protection responsibilities to each operational department […]

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      Implementing the Client Protection Principles

      06 May 2014
      • Sarah Forster
      • Estelle Lahaye
      • Heather Clark
      • Antonique Koning
      • Kate McKee

      As the microfinance sector has come under more intense scrutiny than ever before, responsible finance initiatives have picked up steam. Hundreds of organizations from across the industry (providers, associations, funders, etc.) have come together in the SmartCampaign,endorsing six core Client Protection Principles for microfinance and committing to implement specific improvements in products, practices, and policies. As of November 2010, more than 100 investment organizations have endorsed the Principles and are […]

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      How to Develop an Institutional Code of Ethics

      06 May 2014

        The Smart Campaign’s client protection principle on Fair and Respectful Treatment of Clients encourages financial service providers to treat clients with fairness and respect and to ensure that measures exists to detect and correct corruption and abuse, particularly during the credit sales and collection processes. An institutional Code of Ethics helps employees practice fair and respectful treatment of clients by defining clear standards of ethical behavior that they must uphold. […]

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        Grameen Financial Services Code of Conduct e-Learning Module

        06 May 2014

          Grameen Financial Services Pvt. Ltd. (GFSL) is an Indian Non Banking Financial Company (NBFC) that strives to enable economic and social change in poor and low-income households via its financial and development services. Currently GFSL operates in the states of Maharashtra, Karnataka and Tamil Nadu, serving 321,161 active borrowers with an outstanding loan portfolio of $55.84 million. Launched in 1999 as Grameen Koota in Bangalor (Karnataka), the NGO quickly expanded […]

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