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Guide GPSE
Découvrez notre Guide de Gestion de la Performance Sociale et Environnementale
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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 applicant’s 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.
Guidelines
Smart Lending: Client Protection in the Group Loan Process--An Overview for Incorporating Client Protection Practices into
A tool for MFIs that want to incorporate good client protection practices into their group lending process. The tool is applicable to a wide range of credit methodologies, and can be adapted for use by MFIs employing village banking methodology, Grameen-style “group of groups” methodology, and other forms of group lending.
Publications
Over-indebtedness of Microborrowers in Ghana
Research details the experience of borrowers in Ghana around 2009-10--a market that had not experienced a debt crisis but where multiple FSPs were serving the same clients in the same markets. It offers a deep dive into the sacrifices borrowers were making to pay their debts.
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.
Case studies & Field examples
Refinancing Policy (FUBODE, Bolivia)
Example from FUBODE Bolivia of a refinancing and rescheduling policy.
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
Transparency Policies and Procedures for Four Products
Table summarizing the requirements for disclosure and transparency for 4 core products: loans, savings, payments and insurance.
Guidelines
How to Develop an Institutional Code of Ethics
Provides step by step guidance creating a code of ethics.
Case studies & Field examples
Codes of Ethics: Examples from Fundación Paraguaya
Provides an example of a code of ethics from Fundación Paraguaya.
Case studies & Field examples
Code of Consumer Protection: Kashf Foundation
Example of a code of conduct addressing how staff behaviors should reflect organizational values and commitments.
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