social reporting at country level

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SOCIAL REPORTING AT COUNTRY LEVEL.

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OUR SPM LOGICS

INTENTIONSTRATEGIEEXECUTION

FEED BACK INFORMATION

POSITIVE CLIENT

CHANGE

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PRESENTATION STRUCTURE

1. Data collection format

2. Data collection and validation process

3. Presenting data, linking MFIs intentions to their social performance results.

4. How we orient social data reporting to inspire and activate towards positive client change

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BASIS: excell SPS format of MIX-market

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MIX-market + quantitative data

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Additional data Mali

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COLLECTION PROCESS

• TRAINING WORKSHOP FOR SPS REPORTING• SELF REPORTING BY MFIs• DATA VALIDATION VISIT BY APIM/MALI OFFICER

• CHECK ON DATA , RESOURCE VERIFICATION• COLLECT ADDITIONAL QUALITATIVE DATA ON

IMPLEMENTATION SUCCESSES• FIELD FEED BACK ON SPM EXECUTION

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SIMPLE REPORT STRUCTURE

• INTRODUCTION• GOVERNANCE: START FROM A

MISSION• OUTREACH• ADAPTED PRODUCTS• CONSUMER PROTECTION AND

SOCIAL RESPONSABILITY

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Governance results

• Presenting missions• Presenting social objectives frames (3 cases)

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Outreach: growth, geographic, profile

REGION SIKASSO REGION MOPTI REGION: BAMAKO

POPULATION SHARE

18% 14% 12%

BORROWERS SHARE

36% 7% 12%

SERVICE POINTS SHARE

24% 5% 22%

MARKET SHARE OF MFIs

Soro Yiriwaso 52%Kafo Jiginew 42%CAMEC 4% RMCR 2%Miselini 1%

Cvecas Guinedou 38%Nayral NEF 37%CAMEC 14%Cvecas FantanJigi 12%

Kafo Jiginew 24%Nyesigiso 22%Piyeli 18% Miselini 16%CAMEC 6%RMCR 4%

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Outreach: client profile

• Urban /Semi Urban (41%) Vs Rural (59%)• Femmes: 63%• Pauvres: No data• Mentionned programs for specific groups:

• Youth: ex. Kafo, Nyesigiso• Children: Nyesigis (ILO campaign agains child labor,

Paseca Kayes (financial education in schools), Piyeli and Soro Yiriwaso (special school expense Kits).

• Migrants: Focus on migrant remittances• Salaried workers: Piyeli

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Link intention to results: ex. poverty

RMCR Piyeli Soro Y CAMEC Nyesigiso

Is poverty outreach a social objective?

Yes Yes Yes No No

Targetinga) Very poorb) Poorc) Low incomed) Not specified

XXX X

X X XAverage credit disbursed in Euro

110 667 87 142 509

% credits below 150 Euro

Not available

0% 20% 7% 19%

% credits below 450 Euro

Not available

2% 90% 90% 50%

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Inspiration: examples products, CSR

Example environmental responsability: • RMCR: liste of activities excluded of finance

because harmful to environment or health such as carbon production, beer brewing, etc.

• Paseca Kayes: posters in all branches on garbage, providing trees for planting at moment of credit disbursement.

• Kafo Jiginew: w Helvetas, special credits for biological cotton etc.

• CAMEC: with Wetlands, special credits for nature conservation investments in and around the internal Delta of the Niger (Mopti region).

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Use for internal strategy of APIM/Mali

First SP-report: little specific social missions and social objectives

APIM organised individualised social objective workshops.

Poor knowledge of effective interest rates and client retention rates.

APIM will organize a technical training on those subjects.

Limited implementation of code of conduct (3/9) and client complaint mechanisms (1/9).

APIM/Mali will create a workgroup to develop a standard procedure to ease a start implementing this.

Last year more than 8 Mfis started client financial education, using 4 different approaches

Compare results and organize “comparison-session” in APIM so that those inclined to start can compare

Initial intention: positive communication of microfinance initiatives.

Communication use: how MFIs work towards social results (counter negative press influence)

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CONTACT

P.O. Box 8190

3503 RD Utrecht

The Netherlands

T +31 (0)30 880 18 96

info@terrafina.nl bart.de.bruyne@terrafina.nl

www.terrafina.nl

THANK YOU FOR YOUR APPRECIATED ATTENTION