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					                                          FY 2009 SOCIAL PERFORMANCE STANDARDS REPORT
This Social Performance Standards Report was created by MIX to collect information on the 22 core indicators selected by The Social Performance
Task Force. The whole document consists of 5 parts: 1. the social performance standards framework and description, 2. the social performance
standards report Part I, 3. the social performance standards report Part II, 4. the table for poverty measurement, and 5. a glossary. Part I of the report
contains 13 indicators which mainly focus on your MFI's mission, products and services offered, social responsibility to clients and to staff, and clients
outreach. Part II contains 6 indicators which focus on employment creation, social responsibility to community and to environment, and children
education. Finally, the table for poverty measurement contains the remaining 3 indicators on poverty level. The indicators follow a specific
framework that looks at the entire process by which social impact is created. The framework includes analysis of the intent of the institutions, the
effectiveness of their internal systems and activities in meeting these objectives, related outputs, and success in effecting positive changes in the lives
of clients. The MFI can provide any additional information related to each indicator in the column for comments. Finally, a glossary has been created
to link those indicators which are most difficult to conceptualize and conform to a standard definition. The indicators linked to the glossary are
underlined and their definition can be viewed by clicking on the hyperlinks provided.




                                                INTERNAL SYSTEMS
                       INTENT                                                      OUTPUTS                     OUTCOMES                       IMPACT
                                                   & ACTIVITIES




               DIMENSION                                   STANDARD                                  RELEVANCE OF THE STANDARD                       POSITION IN THE REPORT
                 INTENT                              Mission and social goals             Social performance is the translation of an MFI's                   Part I
                                                                                          mission into practice. What is measured in social
                                                                                          performance is related to an MFI's mission and social
                                                                                          goals. This indicator assesses the MFI's stated
                                                                                          commitment to its social mission, its target market
                                                                                          and development objectives.
                                                           Governance                     Governance is a process by which a board of                         Part I
                                                                                          directors guides an institution in fulfilling its
                                                                                          corporate mission. This indicator assesses the way
                                                                                          through which board members' responsibilities and
                                                                                          terms of services are disclosed. It also assesses board
                                                                                          composition and member's expertise and how the
                                                                                          institution reinforces board members knowledge and
                                                                                          commitment to social performance.
 INTERNAL SYSTEMS AND ACTIVITIES:                Range of products and services           Once the target population is identified, the MFI has               Part I
       Strategies and systems                                                             to work on the design of its financial products and
                                                                                          services so that they can fit the needs and the
                                                                                          constraints of clients. This indicator considers the
                                                                                          integrated approach to microfinance by assessing
                                                                                          both financial and non-financial products and
                                                                                          services offered by an MFI.
                                                 Training on social performance           Staff training on social performance management is                  Part I
                                                                                          important to ensure that staff understand how their
                                                                                          work helps the organisation achieve the social
                                                                                          mission. MFIs can use training as an opportunity to
                                                                                          capture staff feedback, enabling it to make changes
                                                                                          where necessary so that its management systems are
                                                                                          fully aligned with the social mission.This indicator
                                                                                          assesses which MFI's members have received
                                                                                          training on any aspect of social performance during
                                                                                          the reporting year and the areas of training covered.


                                           Staff performance appraisal and incentives In order to ensure the validity of reported data and                    Part I
                                                                                      staff performance on relevant areas of social
                                                                                      performance management, it is important to carry
                                                                                      out staff appraisals. An MFI should also establish
                                                                                      staff incentives to increase productivity and
                                                                                      employees satisfaction levels while complying with
                                                                                      social objectives of the MFI. This indicator assesses
                                                                                      which areas of social performance an MFI appraise
                                                                                      and the implementation of a staff incentive system
                                                                                      tied to social performance goals.
                                          Market research on clients           An MFI can use standard market research techniques        Part I
                                                                               to identify clients' needs. Through market research
                                                                               an MFI can refine existing products and develop new
                                                                               ones. This is very useful in meeting clients' needs,
                                                                               retaining clients, reaching new ones and reducing
                                                                               drop-out rates. This indicator assesses how and how
                                                                               often the MFI undertakes market research on clients.

                                          Measuring client retention           Beyond client satisfaction, exit rates can also be an     Part I
                                                                               important indicator of social performance. Drop-out
                                                                               rates can provide important information for an MFI if
                                                                               supplemented with client exit interviews, in order to
                                                                               identify problems that lead to dropouts. This
                                                                               indicator assesses the retention rate of an MFI.
                                              Poverty assessment               To fulfill its social mission, an MFI should use the      Part II
                                                                               poverty assessment strategy that is appropriate for
                                                                               its clientele, development objectives, and local
                                                                               operating conditions. An MFI can adopt
                                                                               measurement tools to assess how and why its clients’
                                                                               living conditions change over time. Recent initiatives,
                                                                               such as the Progress Out of Poverty Index (PPI) and
                                                                               the Poverty Assessment Tool (PAT) enable the direct
                                                                               measurement of household poverty using simple,
                                                                               robust indicators, statistically correlated with
                                                                               different poverty lines.This indicator assesses the
                                                                               tools adopted to track the poverty status of the
                                                                               clients. To know more about PAT visit this link:
                                                                               http://www.povertytools.org/
                                                                               To know more about PPI, visit this link:
                                                                               http://www.progressoutofpoverty.org/
INTERNAL SYSTEMS AND ACTIVITIES:         Social responsibility to clients      Social responsibility to clients is a fundamental         Part I
     Policies and compliance                                                   dimension of an MFI's social performance. This
                                                                               indicator is linked to The Smart Campaign, which
                                                                               embodies a set of core principles for the treatment
                                                                               of microfinance clients - the minimum standards that
                                                                               clients should expect to receive when doing business
                                                                               with a microfinance institution. The principles at the
                                                                               heart of Smart Microfinance are:
                                                                               1)Avoidance of Over-Indebtedness; 2)Transparent
                                                                               and Responsible Pricing; 3)Appropriate Collections
                                                                               Practices; 4)Ethical Staff Behavior; 5)Mechanisms for
                                                                               Redress of Grievances; 6)Privacy of Client Data. For
                                                                               more information about the Smart Campaign, you
                                                                               can visit: http://www.smartcampaign.org/
                                   Transparency on cost of services to clients Interest rates should be set to ensure the                Part I
                                                                               sustainability of the institution and long-term
                                                                               availability of the service, but at the same time
                                                                               institutions should actively be looking for ways to
                                                                               reduce the cost for their clients. This indicator
                                                                               assesses the effective interest rate for the main loan
                                                                               product offered and the estimated percentage of
                                                                               clients who are borrowing from other institutions or
                                                                               money lenders.
                                          Social responsibility to staff       Human resources policy is important to ensure that        Part I
                                                                               employees are treated fairly. At the same time, it is
                                                                               important to monitor employee satisfaction and
                                                                               have a system in place to understand employees
                                                                               concerns and needs. This indicator assesses the MFI's
                                                                               policy regarding social responsibility to staff, by
                                                                               looking at its human resources policy in place,
                                                                               systems to monitor employees satisfaction and staff
                                                                               turnover rate, as a measure of staff satisfaction.
                                      Social responsibility to community       An MFI can have a relevant impact in the community        Part II
                                                                               where it operates not only through the provision of
                                                                               financial services to its clients but also through the
                                                                               implementation of policies and actions aimed to
                                                                               support community development at large. This
                                                                               indicator assesses the steps that the MFI takes in this
                                                                               direction.
                                   Social responsibility to environment     The impact of microenterprises' activity on the                  Part II
                                                                            enviornment can be particular significant due to the
                                                                            low technological level, the general lack of regulatory
                                                                            supervision, and the absence of supporting
                                                                            infrastructure and services in their country of
                                                                            operations. This indicator assesses whether the MFI
                                                                            has any policies and initiatives in place to mitigate
                                                                            environmental impacts of financed enterprises.


  OUTPUTS AND OUTCOMES:                    Geographic outreach              The provision of financial services to different                  Part I
Achievement of social objectives                                            geographic areas can support income and
                                                                            employment generation to underserved rural and
                                                                            urban clients. This indicator assesses the number of
                                                                            clients reached in the different geographical areas
                                                                            and in the areas below the national average level of
                                                                            development. It also asseses the ability of the MFI to
                                                                            serve clients in those areas where no other financial
                                                                            services are provided.
                                             Women outreach                 If an MFI has women as its target market, then any                Part I
                                                                            initiative in place needs to be reflected in the
                                                                            number of women clients actually reached. This
                                                                            indicator assesses the number of women clients
                                                                            (borrowers and savers) reached by the MFI.
                                             Clients outreach               Outreach is determined by the types and numbers of                Part I
                                                                            clients reached with microfinancial
                                                                            services. This indicator assesses the ability of the MFI
                                                                            to reach its target market. It also assesses clients
                                                                            outreach by lending methodology.

                                    Outreach by non financial services      Clients outreach is not only determined by the                   Part II
                                                                            number of clients reached by financial products but
                                                                            also by understanding and meeting the other needs
                                                                            of clients through demonstrated efforts in product
                                                                            design. This indicator looks at clients outreach in
                                                                            terms of number of clients benefitting from non
                                                                            financial services. It also asks to show, if available,
                                                                            any study regarding the program's effectiveness on
                                                                            the target market - as part of outcomes.

                                               Employment                   At the community level, microenterprises can                     Part II
                                                                            generate new jobs, thus providing higher and more
                                                                            stable income of the community as a whole. This
                                                                            indicator   assesses     employment      generation
                                                                            opportunities created by the supported enterprises.

                                            Children in School              Increased earnings derived from microenterprises                 Part II
                                                                            allow poor people to better plan and invest in their
                                                                            children's future. This indicator assesses the number
                                                                            of clients' children who are attending school in
                                                                            countries where school attendance is less than 90%
                                                                            at secondary or primary level.

                                    Poor and very poor clients at entry     In order to assess the poverty levels of the clients, an   Poverty Measurement
                                                                            MFI should use the poverty line most appropriate.
                                                                            This indicator assesses the poverty line(s) and
                                                                            poverty tool(s) used to estimate the percentage of
                                                                            entering/recently joined clients who are below and
                                                                            in the bottom 50% of the poverty line.

                                     Clients in poverty after 3/5 years     Measuring a client's poverty status at entry and           Poverty Measurement
                                                                            tracking this status over time is an important
                                                                            indicator that MFIs use to evaluate clients' well-
                                                                            being. This indicator assesses the estimated
                                                                            percentage of clients who joined the institution 3 or
                                                                            5 years ago and who remain below the poverty line.


                                   Clients out of poverty after 3/5 years   By using appropriate poverty assessment tools and          Poverty Measurement
                                                                            tracking the same sample of clients over time, an MFI
                                                                            can assess whether clients move out of poverty. This
                                                                            indicator assesses the percentage of active clients
                                                                            who were 'poor' when they joined the institution 3
                                                                            or 5 years ago and who are estimated to have moved
                                                                            out of poverty.
       FY 2009 SOCIAL PERFORMANCE STANDARDS REPORT- PART I
(i) BASIC DETAILS: THE MFI                                            ANSWERS                                                                                                                    COMMENTS
a      Name of the MFI:                                               CASHPOR MICRO CREDIT
b      Country of operations:                                         India
                                                                      Mid of 1997                                                                                                                Cashpor Micro Credit (CMC) is a company licensed u/s 25 of the Companies Act and is Flagship Company of CASHPOR group. The CASHPOR group consists of Cashpor Trust
                                                                                                                                                                                                 (a charitable trust), Cashpor Financial and Technical Services Pvt. Ltd. (CFTS), Cashpor Micro Credit (CMC) and Cashpor Financial Services Private Limited (CFS). The
                                                                                                                                                                                                 microfinance services are delivered through CMC. This group is involved in the promotion of livelihoods for the poor through the provision of microfinance service. Cashpor
c      Year microfinance operations began:                                                                                                                                                       Group started its operations in eastern Uttar Pradesh, India in 1996 through CFTS.
                                                                                                                                                                                                  In December 2003, following a RBI notification, which allowed only registered NBFCs and Section 25 companies to provide microfinance services, CFTS transferred all its
                                                                                                                                                                                                 microfinance activities to CMC, a Section 25 company.

d      Legal form:                                                    Please choose one                                                                                                          Section 25 Company (not for Profit) - Registred Under the Company Act 1956, with exemption from registering with Reseve Bank of India.

       Report for Fiscal Year ended                                   31-03-2010
e
       (day - month - fiscal year 2009):
f      Number of loan accounts:                                       417039                                                                                                                     No of Loan Outstanding
                                                                      417039
       Number of currently active borrowers
g
       (not loan accounts):

h      Number of savings accounts:                                    0                                                                                                                          Not permitted to accept public deposits
i      Number of currently voluntary savers (not savings accounts):   0
(ii)   THE RESPONDENT
a      Name of respondent(s):                                         Ms. Upasna Gupta
b      Title of respondent(s):                                        Head Monitoring & Reporting
c      Office Address (Street, City and Zip Code):                    S. 8/108-B/4 D.I.G. Colony, Varanasi-221002, U.P. India
d      Contact e-mail address:                                        md@cashpor.in                         headmonitoring@cashpor.in
e      Contact telephone number:                                      (i) 91-9794452502                         (ii) 91-9794452508
       INTENT
1      Mission and Social Goals
                                                                      Our Mission is to identify and motivate poor women in the rural areas and to deliver financial services to them in an      BPL : Below Poverty Line.
a      What is your MFI's social mission?                             honest, timely and efficient manner, so that our vision is realised and CASHPOR itself remains a financially sustainable
                                                                      Micro finance Institution for the poor.

b      In which year was the mission statement formulated (or                                                                                                                                    Formulated in 1996, updated in 2010
       updated)?                                                      2010
c      What is the poverty level of the clients that your                 Very poor clients
       institution aims to reach? (Check all that apply):
                                                                          Poor clients

                                                                          Low income clients

                                                                          Not a specific focus/all population

d      If you checked the boxes " very poor or poor clients",
       which reference point/benchmark do you use for
       estimating the poverty level of your clients? (Check all
       Veryapply):
       that poor clients:
                                                                          Persons in the bottom 50% of those living below the poverty line established by the national government

                                                                          Persons living on less than the US $1 a day international poverty line


                                                                          Other (please specify):                Through Cashpor Housing Index & an                                              Soon we will subtitute the Income-Assets test with PPI.
                                                                                                                 Income-assets test
                                                                                                                  (Irrigated land, Live stock, Other source
                                                                                                                 of income)

       Poor clients:                                                      Persons living below the poverty line established by the national government


                                                                          Persons living on less than US $2 a day international poverty line


                                                                          Other (please specify):                Through Cashpor Housing Index & an
                                                                                                                 Income-assets test                                                                                                Do
                                                                                                                  (Irrigated land, Live stock, Other source
                                                                                                                 of income)
e   What is the target market of your institution? (Check all                                                 CASHPOR Micro Credit provides microfinance services exclusively to women from Below Poverty Line (BPL) families organized in Joint Liability Groups (JLG) in their village.
                                                                Women
    that apply):                                                                                              Such women are identified, motivated and organized in JLG by the CASHPOR field staffs that have been specially-trained for this task.
                                                                Adolescents and youth (below the age of 18)   Company uses CASHPOR House Index (CHI), adapted to conditions in eastern UP and Bihar, to identify such BPL families in rural, semi-urban and urban areas. Besides
                                                                                                              applying CHI for identification of BPL families, company also uses the ‘sources of income’ and ‘Asset possession’ test to verify that the family is BPL.
                                                                Indigenous people and ethnic minorities

                                                                Clients living in rural areas

                                                                Clients living in urban/semi-urban areas

                                                                No specific target/all population

                                                                Other (please specify):
f   What kind of enterprises does your institution support?             Microenterprises
    (Check all that apply):
                                                                        Small enterprises

                                                                        Medium enterprises

                                                                        Large enterprises


g   Which development objectives does your institution
                                                                        Financial inclusion
    specifically pursue through its provision of financial and
    non financial products and services? (Check all that                Poverty reduction

    apply):                                                             Employment generation


                                                                        Development of start-up enterprises


                                                                        Growth of existing business


                                                                        Adult education improvement


                                                                        Youth opportunities


                                                                        Children schooling

                                                                        Health improvement


                                                                        Gender equality and women's empowerment

                                                                        Water and sanitation

                                                                        Housing

                                                                        Other (please specify):               1. Health education (f.e. HIV/AIDS, water
                                                                                                              & sanitation, nutrition, reproductive
                                                                                                              health etc.) 2. Financial literary training 3.
                                                                                                              Scholerships
2   Governance
a   Are Board members' responsibilities and terms of                   Yes
    services specified by the Institution's bylaws? (Check all
b   that apply):
    If not, in which ways are the procedures documented?
                                                                        Board minutes

                                                                        Commitees minutes

                                                                        Manual of procedures

                                                                        Other (Please specify):

c   How is your institution's Board composed?(Check all that            Government
    apply):
                                                                        Representatives of community leaders

                                                                        Independent/professional firms
                                                                                                                                                                                          Independent Directors
                                                                        Representatives of private financial institutions                                                                 As nominee Directors

                                                                        Clients

                                                                        Other (Please specify):               Founder and Managing Director (ex-
                                                                                                              officer)
d   What are the areas of expertise of your institution's               Financial and banking
    Board members?(Check all that apply):
                                                                        Legal

                                                                        Development/non financial services

                                                                        Government/ public services

                                                                        Other (Please spcify):                Microfinance

e   What is the total number of your Board members?                9                                                                                                                      Mar-08: 8, Mar-09: 9, Mar-10:9
f   What is the number of women on your Board?                     2                                                                                                                      Mar-08: 2, Mar-09: 2, Mar-10: 2
g   If you have representatives on your Board of your target
    market (as reported in question 1e) which categories of
    clients are represented?
h   How does your institution reinforce Board members’
                                                                        We have a standing social performance committee that regularly reviews social performance issues
    knowledge of, and commitment to, social performance?
    (Check all that apply):                                             We organise staff and client visits to help board members understand how operations are achieving the mission
                                                                                                                                                                                          See Annual report 2009-10
                                                                        We ensure that social performance issues are identified as components of the MFI’s strategic and business plans

                                                                        Other (Please specify):

    STRATEGIES AND SYSTEMS
3   Range of products and services (financial and non financial)
a   Which of the following financial products/services does
    your institution offer? (Check all that apply):
Credit:

                                                                    Microcredit loans for microenterprises

                                                                    SME loans

                                                                    Loans for agriculture

                                                                    Line of credit

                                                                    Loans for education

                                                                    Housing loans

                                                                  Credit for other household needs (ex. medical, consumption smoothening)   Emergency / Consumption Loan
                                                                  Other (Please specify):




Savings:                                                                                                                                    not permitted but trying to become business corespondant of bank.
                                                               No


If your institution does not offer savings, please skip this                                                                                NA
                                                                 Checking accounts
question. Otherwise, what kind of savings products does
                                                                 Voluntary savings
it offer? (Check all that apply):
                                                                 Compulsary savings (cash collateral)

                                                                 Fixed term deposits

                                                                  Special purpose savings accounts

                                                                 Other (Please specify):

Insurance:                                                                                                                                  With Max New York Life Insurance Co. Ltd., ICICI Prudential Life Insurance Co. Ltd and Bajaj Allianz Life Insurance Co. Ltd. for covering the life of all the 15 district clients and
                                                               Yes through partnership
                                                                                                                                            their spouses.
If your institution does not offer insurance products,                                                                                      We charge 1% from Clients at every disbursement
                                                                  Credit life insurance
please skip this question. Otherwise, what type of
insurance does it offer? (Check all that apply):                  Life insurance

                                                                  House insurance

                                                                  Agriculture insurance

                                                                  Health insurance

                                                                  Workplace insurance

                                                                  Other (please specify):

Is the insurance voluntary or compulsory?                      Compulsory
    Other financial services:                                      No


    If your institution does not offer other financial services,        Debit/Credit card
    please skip this question. Otherwise, what type of
                                                                        Cell phones cards
    services does it offer? (Check all that apply):
                                                                        Savings facilitation service

                                                                        Money transfer/remittances service

                                                                        Payments by check

                                                                        Other (please specify)

b   What are the lending methodologies of your institution?             Individual lending
                                                                                                                          CMC exclusively targets the poor women of eastern UP and Bihar.
    (Check all that apply):                                                                                                Most of these poor women are from Scheduled Castes and Scheduled Tribes and belong to the BPL category. More than half are illiterate, and most (along with their
                                                                        Solidarity group lending
                                                                                                                          husbands) get meagre income only from seasonal agricultural labour. The Company is currently operating in remote field areas of the following 19 Districts operating
                                                                        Village banking                                   through 15 Districts out of which 13 in Uttar Pradesh and 6 in Bihar State.
                                                                        Other (Please spcify):
                                                                                                                          CMC delivers micro credit using the ASA (Bangladesh) type JLG model.
                                                                                                                          The special feature about this model is that they densely cover smaller areas through their branches. Clients are organized into centers (groups) of 15-25 members who hold
                                                                                                                          their weekly center meetings on a fixed day and time. All the members in a centre have joint responsibility and cross guarantee loans taken by them. Groups are trained on
                                                                                                                          policies and procedures of the organization. Illiterate clients are trained to put their signatures before they are considered for loan application. Successful completion of a
                                                                                                                          Group Recognition Test (GRT) makes them eligible for borrowing first cycle loan. All loan applications of members of a center are approved by the center first and then
                                                                                                                          collected by the Centre Managers and verified by the Branch Managers (BM) who gives final sanction of the amount of the loan. The loan amount gradually increases with
                                                                                                                          the loan cycle (number of times they have availed the loan).




c   Which of the following non-financial services does your
    institution offer to its clients (Check all that apply):
    Enterprise services:                                           Not offered




    If your institution does not offer enterprises services,            Enterprise skills development
    please skip this question. Otherwise, what type of
                                                                        Business development service
    services does it offer? (Check all that apply):
                                                                        Other (please specify):



    Education:
                                                                   Yes, offered directly


    If your institution does not offer education services,                                                                Every year we conduct a financial literacy program to educate our clients on the existing basket of products regarding its actual cost & pricing, etc. We also make them
                                                                        Financial literacy
    please skip this question. Otherwise, what type of                                                                    aware about the new developments in the Company. This year we initiated an insurance product for our clients: here our core focus was on the awareness & need for
    services does it offer? (Check all that apply):                     Basic health/nutrition education                  the insurance.

                                                                        Children and youth education
                                                                                                                          ii)A new initiative during financial year 09-10 by Cashpor Micro Credit was integration of health education with microfinance following the method of Freedom from
                                                                        Occupational safety and health in the workplace   Hunger and the Microcredit Summit Campaign. The objective behind this program was to help the centre members to decide when to seek medical help for their
                                                                                                                          children and to know what the medical people should be doing during a medical visit. Following are the points which we cover under Health Education:
                                                                                                                           - Distinguish signs of illness
                                                                                                                           - List the symptoms of diseases
                                                                                                                           - Evaluation of the quality of care
                                                                                                                           - Suggestions regarding the correct home care

                                                                                                                          This health education is carried out by trained female Center Managers. So far it has focused on Common Child Illnesses, mainly diarrhea, cough& fever. Freedom from
                                                                                                                          Hunger and the Micro Credit Summit has designed the Common Child Illness topic into 9 lessons, each lasting for about 15 minutes, for better implementation. As per
                                                                                                                          now this program is running in 18 CMC Branches, with a total of 20 trained female CM, covering 426 Centers and 6,390 BPL clients. We are committed to reach 9,000
                                                                                                                          clients with 3 topics by end of October. To expand the outreach of the program, each trained female CM will train the male CM in her Branch.
                                                                      Other (Please specify):               i)    Scholarship Oppertunities         i) The basic purpose of the Scholarship Program is to encourage clients to keep their well-performing children in school, and to help them financially to do it. Fifty
                                                                                                                                                    Scholarships are available annually in each CMC Branch in Mirzapur District. Based on their examination results at each level in the educational system, the applicant
                                                                                                                                                    children are ranked. Fifty percent of the scholarships are reserved for girl children, and the other half are distributed through open competition.

                                                                                                                                                    In the year 2009-2010, scholarships were awarded to 1064 children under 34 branches of CMC. The total expenditure during the year was Rs. 11, 25,675/-. Out of these
                                                                                                                                                    1064 children 602 were girls and 462 were boys. Financial support was provided in full by Cashpor Micro Credit.




                                                                                                                                                    ii) CMC has signed an agreement with Healing Fields Foundation to implement health education and care programs with our BPL clients in a pilot project in Ithari Branch in
                                                                                                            ii) Community Health Leader Training    Buxar District, Bihar. The health education and care will be implemented through trained Community Health Leaders (CHL), chosen from among the CASHPOR clients. Each
                                                                                                            Program                                 CHL will reach out to 300 CASHPOR client families with a total population of around 1,500. Eighty CHL will be trained, and over one and a half years they will reach out to
                                                                                                                                                    24,000 client households with a total of about 120,000 people. There will be positive, measurable changes in terms of health-seeking behaviors, improvement in health and
                                                                                                                                                    dietary habits, awareness of healthcare programs and services of the government, and possible decrease of preventable communicable diseases, vector borne and water
                                                                                                                                                    borne.




    Health services:
                                                                   Yes, offered through negotiated alliances with third parties


    If your institution does not offer health services, please        Basic medical services
    skip this question. Otherwise, what type of services does
    it offer? (Check all that apply):                                 Special medical services for women and children

                                                                      Other (Please specify):               Health education
                                                                                                            (f.e. HIV/AIDS, water & sanitation,
                                                                                                            nutrition, reproductive health etc.)
                                                                                                            and Community health leader training




    Women empowerment:                                             Yes, offered directly
                                                                                                                                                    Through putting money into their hands.

    If your institution does not offer services for women's           Business training to enhance women's market opportunities
    empowerment, please skip this question. Otherwise,
                                                                      Women leadership training
    what type of services does it offer? (Check all that apply):                                                                                    Through election as center chief & training of community helth leaders.
                                                                      Training on rights and responsibilities as leaders in participative models

                                                                      Women's rights education/Gender issues (training for men and women)           Women staff welfare committee.

                                                                      Counseling/legal services for women victims of violence


                                                                         Other (Please specify):            Providing Capital for self-employment
4   Training of staff on social performance

a   Did any of your staff participate in training or orientation                                                                                    (Health education training)
                                                                   Yes
    sessions related to any aspect of social performance
    management, during the reporting year?
                                                                   If not, and not planning, please
                                                                   explain why not:


b   If not, please skip this question. Otherwise, which staff            Board members
    have received some kind of training on social
                                                                         Top management
    performance management during the reporting year?
                                                                         Middle management
    (Check all that apply):
                                                                      Loan officers

                                                                      Back office staff (MIS, accounting, administration)

                                                                      Other (Please specify):

c   On which areas related to social performance does your
    institution offer staff training?
    General principles/strategies                                        Mission orientation

                                                                         Social objectives                                                          Women staff welfare committee
                                                                         Gender sensitivity

                                                                         Poverty measurement

                                                                         Other (Please specify):
    Specific operations/procedures                                        Over-indebtedness prevention

                                                                          Communication with clients of product pricing, terms and conditions

                                                                          Acceptable practices of payment collection

                                                                          Collecting good quality social information

                                                                          Policy and procedures on safeguard of clients' data


                                                                          Being responsive to clients needs

                                                                          Referring clients complaints to those responsible for handling and resolving them

                                                                          Other (Please specify):

5   Staff performance appraisal and incentives
a   Does your institution conduct performance appraisals of        Yes
    staff in relation to social performance management?

                                                                   If not, and not planning, please
                                                                   explain why not:
b   If not, please skip this question. Otherwise, which areas          Ability to attract new clients from target market
    does your institution appraise? (Check all that apply):
                                                                       Outreach of remote rural communities

                                                                       Women's outreach

                                                                       Quality of interaction with clients

                                                                       Social data quality

                                                                       Retention/ Drop-out rates

                                                                       Portfolio quality


                                                                       Other (Please specify):

    Does your institution have in place a staff incentives
                                                                   Yes
    scheme related to social performance goals?
                                                                   If not, and not planning, please
                                                                   explain why not:
d   If not, please skip this question. Otherwise, which areas
                                                                          Ability to attract new clients from target market
    does your institution reward? (Check all that apply):
                                                                          Outreach of remote rural communities

                                                                          Women's outreach

                                                                          Quality of interaction with clients

                                                                          Social data quality

                                                                          Retention/ Drop-out rates

                                                                          Portfolio quality


                                                                          Other (Please specify):

e   Which staff members qualify for these incentives? (Check              Top management
    all that apply):
                                                                       Middle management

                                                                       Loan officers

                                                                       Back office staff (MIS, accounting, administration)


                                                                       Other (Please specify):

6   Market research on clients

a   Does your institution use market research to identify the
                                                                    Yes
    needs of clients and potential clients?
                                                                   If not, and not planning, please
                                                                   explain why not:
b   If not, please skip this question. Otherwise, how does
                                                                          Market research for development of new products
    your institution identify the needs of clients and potential
    clients? (Check all that apply):                                      Client satisfaction assessment (interviews, surveys, focus groups, etc.)            Center leader workshops.
                                                                          Interviews with exiting clients

                                                                          Other (Please specify):

c   How often does your institution conduct or commission          1Regularly
    market research on clients?
7   Measuring client retention
a   Please provide the following data points to help us
    calculate your institution's exit/dropout rate
    Total number of borrowers at the beginning of the              314,154
    reporting period:
    Total number of borrowers at the end of the reporting          417,039
    period:
    Number of new borrowers during the period:                     185069
    Drop-out rate                                                  26%
c   How often does your institution conduct or commission        We are not sure why the MIX
    exit surveys or receive informal feedback from exiting
                                                                  Planning to
                                                                 and MCRIl start the average in
                                                                              used
    clients?                                                     the denminator. Statictacally
                                                                 the denominator should be the
c   If any major event, external to the institution, has         Increasing Competition
    occurred that may have affected the drop-out rate please
    report it here:
    POLICIES AND COMPLIANCE
8   Social Responsibility to clients
    Please read through each of the following statements and            The loan approval process evaluates borrower repayment capacity including over indebtedness. Loan approval does not rely solely on guarantees
                                                                        (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
    mark the ones that best describe your organization
                                                                         Productivity targets and incentive systems reward growth only if portfolio quality is high and do not create biases in favor of lending too much to
                                                                         one client

                                                                         Prices, terms and conditions of all financial products are fully disclosed to the client prior to sale. This includes interest charges, insurance
                                                                         premiums, minimum balances , all fees, penalties, linked products, 3rd party fees, and whether those can change over time.

                                                                         All staff are trained to communicate effectively with clients, ensuring that they understand the product, the terms of the contract, their rights and
                                                                         obligations. Communications techniques address literacy limitations (e.g., reading contracts out loud, materials in local languages).

                                                                          The financial institution does not charge clients for its own inefficiency. Its pricing and efficiency compare favorably to its peers and              Sixth in the world in the institutional effiency. MIX Global composit ranking 2009.
                                                                          competitors.

                                                                         Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.


                                                                         The institution’s corporate culture and human resources systems value and reward high standards of ethical behavior.


                                                                         A mechanism to handle client's complaints is in place, has dedicated staff resources, and is actively used.

                                                                          Clients are told how their information will be used, and no external use is made of such data without client consent.


9   Transparency on the costs of services to clients

a   How does your institution state the interest rate?                 Declining balance method

                                                                       Flat interest method

b   Did you provide your EIR data to MFTranparency initiative?   Yes                                                                                                                                                             15th July, 2010


c   Do you know the percentage of your clients that are          40-50%                                                                                                                                                          At list 20 other MFIs in our Operating area and we estimate that 40%-50% clients are envolved in multiple borrowing.
    borrowing from other institutions? If yes, please provide
    the estimated percentage:

d   If you do not track the percentage of your clients who are
                                                                       Part of loans appraisal
    borrowing from other institutions, skip this question.
    Otherwise, how do you track this information?                      Monitored and reported through internal auditing

                                                                       Annual sample survey conducted in-house

                                                                       Social rating survey

                                                                       Other (please specify):

e   Do you know the percentage of your clients that are        27%                                                                                                                                                               According to a Social Rating in Aug, 2005
    borrowing from money lenders? If yes, provide the
f   estimated percentage:
    If you do not track the percentage of your clients who are                                                                                                                                                                   Aug-2005
                                                                       Part of loans appraisal
    borrowing from money lenders, skip this question.
    Otherwise, how do you track this information?                      Monitored and reported through internal auditing                                                                                                          to be updated this October-10

                                                                       Annual sample survey conducted in-house

                                                                       Social rating survey

                                                                       Other (please specify):

10 Social Responsibility to staff
a   Which of the following are included in your human
                                                                    A clear salary scale based upon market salaries
    resources policy? (Check all that apply):
                                                                       Medical insurance for all staff

                                                                    Pension contribution

                                                                       Practices and procedures which ensure safety of the staff

                                                                    Equal pay for men and women with equivalent skill levels

                                                                    Staff participation in decisions that affect them

                                                                    Anti discrimination policies

                                                                    Anti harassment policy

                                                                    Right to organize in a staff union

                                                                    Other (Please specify):

b   What is the percentage of your permanent and contract        81% permanent & 19%
    staff?                                                       contract
c   What policies does your institution have in place to                 Equal opportunities policies for staff
    support women staff? (Check all that apply):
                                                                         Set quota for women staff

                                                                         Worktime adapted to family constraints

                                                                         Maternity and paternity leave policies

                                                                         Specific policies that support women's mobility in the field

                                                                         Other (Please specify):                  Women staff welfare committee


d   Total number of staff                                          1661                                                                                                                                                  Includes 174 support staff
e   Total number of top managers:                                  5                                                                                                                                                     Only from Operation
f   Total number of middle managers:                               31                                                                                                                                                    Only from Operation
g   Total number of loan officers:                                 1123
h   Presence of women staff:                                          Number of women staff                                   Women top managers                            Women middle        Women loan officers
                                                                                                                                                                              managers
    Number (please fill each column with appropriate               210                                            0                                                    4                      152
    numbers for the reporting year):
    Percentage:                                                    13%                                            0%                                                   13%                    14%
i   Does your institution monitor employees satisfaction?          Yes

                                                                   If not, and not planning, please
                                                                   explain why not:
j   If not, please skip this question. Otherwise, how does the
                                                                         Assessments of employee expectations and/or satisfaction as part of regular staff appraisal
    institution monitor employee satisfaction?(Check all that
                                                                         Periodic systematic surveys of employee expectations and/or satisfaction
    apply):
                                                                         Established system to address staff grievance

                                                                         Interview with exiting staff

                                                                         Other (Please specify):

k   Please provide the following data points to help us
    calculate yourof staff at the end turnover rate: reporting
    Total number institution's staff of the current                1661                                                                                                                                                  Total Staff Including support Staff ( Like: IT, Accounts, Admin etc.)
    period:
    Total number of staff at the beginning of the reporting        1571                                                                                                                                                  Total Staff Including support Staff ( Like: IT, Accounts, Admin etc.)
    period: of exit staff during the reporting period
    Number                                                         328                                                                                                                                                   Total Staff Including support Staff ( Like: IT, Accounts, Admin etc.)
    Staff turnover rate                                            20.3%
   ACHIEVEMENT OF SOCIAL GOALS
11 Geographic outreach
                                                                            Number of clients:                             Clients living in urban areas:              Clients living in semi- Clients living in rural
    Clients coverage in each geoographic area (counted in                                                                                                                  urban areas:                areas:
a
    terms of unique clients, not accounts):
    Number (please fill each column with appropriate          417039                                              73252                                                0                      343787
    numbers for the reporting year):
    Percentage:                                                                                                   18%                                                  0%                     82%
b   Does your institution have regular service points located No                                                                                                                                                         Not able to provide the data as of now, its under process.
    in areas where there are no other MFIs or bank branches?

    If yes, what is the number of service points you have in  0                                                                                                                                                          NA
    these areas?
c   What is the number of clients served in these areas?      0                                                                                                                                                          NA
d   What is the total number of service points that you have? 269

e Percentage of service points you have in these areas:            0%                                                                                                                                                    NA
f Percentage of clients served in these areas:                     0%                                                                                                                                                    NA
12 Women outreach
a   Number of women active borrowers:                              417039
b   Percentage of women active borrowers:                          100%                                                                                                                                                  100%
c   Number of women voluntary savers:                              0                                                                                                                                                     Not permitted to except the public deposits.

d Percentage of women voluntary savers:                            #DIV/0!                                                                                                                                               NA
13 Clients outreach by lending methodologies and other clients outreach (as reported in question 1e under INTENT)
a   Clients outreach by lending methodology                            Active borrowers receiving                     Active borrowers receiving group loans              Women active            Women active
                                                                            individual loans                                                                           borrowers receiving      borrowers receiving
                                                                                                                                                                         individual loans          groups loans


    Number (please fill each column with appropriate               0                                              417039                                               0                      417039
    numbers for the reporting year):
    Percentage:                                                0%                                                 100%                                                 0%                     100%
b   If you can, please state the percentage of clients who     None
    have graduated from group loans, during the reporting
c   year:
    If it applies, number of clients who are indigenous people 333000
    or ethnic minorities :
d   Percentage of clients who are indigenous people or ethnic 80%
    minorities:
e   Number of other clients that your institution target      84000                                                                                                                                                      Also below poverty line.
    (specify according to the target group):
     FY 2009 SOCIAL PERFORMANCE STANDARDS REPORT- PART II
     STRATEGIES AND SYSTEMS                                             ANSWERS                                                                                                                       COMMENTS
14   Poverty Assessment
a    For which active clients does your institution measure the             We measure the povertly level of entering/recently joined clients
                                                                                                                                                                                                      In 2004, ABN AMRO / RBS bank conducted a survey with
     poverty level? (check all the applies)                                                                                                                                                           CASHPOR , as a first Impact Survey to assess the impact
                                                                            We measure the poverty level of clients after 3/5 years in the program                                                    impact of microfinance on poverty. About 200 mature
                                                                                                                                                                                                      clients (those who had taken 4 or more annual loan cycle)
                                                                            We measure the poverty level of all clients at a certain point in time (no differentiation between new and old clients)
                                                                                                                                                                                                      were interviewed and it was found that 41% had come right
                                                                            We do not measure the poverty level of our clients                                                                        out of poverty.

                                                                                                                                                                                                      In Dec-08 second Impact survey had conducted. in this 320
                                                                                                                                                                                                      mature Clients interviewed, ( those who have continuously
                                                                                                                                                                                                      taken and repaid 5 or more annual loans over at list 4 years)
                                                                                                                                                                                                      and it was found that 66% mature clients of CASHPOR are no
                                                                                                                                                                                                      longer poor.

                                                                                                                                                                                                      Reported in 2009
b    If your institution does not measure the poverty level of your
     clients skip this question. Otherwise, which methods does your
     institution use to measure their poverty levels? (Check all that
     apply):


     Poverty levels benchmarked to the national or international            Grameen Progress Out of Poverty Index (PPI)
     poverty lines:                                                         USAID Poverty Assessment Tool (PAT)

                                                                            Per Capita household expenditure


                                                                            Per Capita household income


     Poverty levels that are not benchmarked:
                                                                            Housing index

                                                                            Participatory Wealth Ranking (PWR)

                                                                            Means test

                                                                            Food security index

                                                                            Per Capita household expenditure


                                                                            Per Capita household income

                                                                            Own Proxy Poverty Index

                                                                        8% Other (Please specify):
c    If it applies, after what period of time (from entering) does
                                                                         After 5 years
     your institution assess the poverty level of your clients?                                                                                                                                       First Impact survey in 2004 and second in Dec-2008 ,
                                                                                                                                                                                                      by ABN AMRO / RBS bank in association with CASHPOR.

                                                                                                                                                                                                      From 2009 annualy by Internal Audit Department.
                                                                        If you do not track this information
                                                                        please explain why not:
d    If it applies, how often does your institution track changes in     Annually
     poverty levels of the clients?                                                                                                                                                                   Depend on Management decisions.
     POLICIES AND COMPLIANCE
15   Social Responsibility to Community
a    Does your institution have a policy for social responsibility to       We have a written policy
     the community? (Check all that apply):
                                                                            A written policy is under development/planned

                                                                            We have an informal policy reflected in our operations
                                                                                                                                                                                                      Our whole social orientation as in seen in our Vision & Mission
                                                                            No we do not have
                                                                                                                                                                                                      statement.
b    Which of the following are included in your social
                                                                           Avoid credit for enterprises with negative social value
     responsibility policy (written or informal) towards your
     community? (Check all that apply):                                     Promote transparency and anti-corruption

                                                                           Promote reasonable working conditions for hired employees in credit supported enterprises
                                                                                                                                                                                                      Yes, Provide Loans to Clients.

                                                                           Support local communities in case of emergencies                                                                           Emergency Loan for Clients.
                                                                                                                                                                                                      Through our Loan
                                                                           Support local communities for social or economic development

                                                                           Support women's leadership                                                                                                 All members are women & they select their center lady.

                                                                           Employees who speak the local language/dialects

                                                                           Take measures to contribute to the elimination of forced or compulsory labor

                                                                           Take measures to contribute to the elimination of child labor

                                                                            Other (Please specify):

c    If you have a policy and/or any initiative in place related to
16   social responsibility to the community (as checked above)
     Social Responsibility to Environment
a    Does the MFI have an environmental policy for                                                                                                                                                                              Loan are given only for legal activities which are envoronment
                                                                            We have a formal written policy
     clients/microenterprises it finances? (Check all that apply):                                                                                                                                                              friendly.
                                                                            A written policy is under development/planned

                                                                            We have an informal policy reflected in our operations

                                                                            No we do not have


b    If not, you can skip this question. Otherwise, which of the
                                                                            Raise awareness of client about environmental impacts
     following are included in it? (Check all that apply):
                                                                            Train/educate the client regarding environmental improvements

                                                                            Specific clauses in the loan contract are included to mitigate specific social and environmental risks

                                                                            Identify enterprises with environmental risk

                                                                            Lend lines linked to alternative energies

                                                                            Other (Please specify):

c    If you have a policy and/or any initiative in place related to Staff Rule in Operation Mannual - (please see chapter 5.)
     social responsibility to the environment for supported
     enterprises (as checked above) and want to share it , you can
     write a short summary here. (Feel free to provide web links
     to related documents and/or send related documents to
     MIX, if you want them to be published in the MIX Market
     library):
d    Does the MFI have an environmental policy for its own
                                                                            We have a formal written policy
     organization's practices that includes both headquarters and
     branches (energy, water, paper, waste) ? (Check all that               A written policy is under development/planned

     apply):                                                                We have an informal policy reflected in our operations

                                                                            No we do not have

e    If not, you can skip this question. Otherwise, which of the            Minimize use of conventional electricity
     following are included in it? (Check all that apply):
                                                                            Minimize use of conventional fuels

                                                                            Minimize use of water, recycle water

                                                                            Minimize use of paper, recycle paper

                                                                            Other (Please specify):

     ACHIEVEMENT OF SOCIAL GOALS
17   Outreach by non financial services
a    Please answer this question if you reported yes to providing                                                                                                                               Clients who received services
                                                                               Clients who received enterprise                   Clients who received                    Clients who received
     non-financial services to your clients (Part I of the report,                                                                                                                                    related to women
                                                                                          services                                education services                        health services
     question 3c)                                                                                                                                                                                       empowerment
     Number (please fill each column with appropriate numbers                                                                1000                                   7000                        417039
     for the reporting year):
     Percentage:                                                         0%                                           0%                           2%                             100%
b    Did you conduct any study regarding the effectiveness on            ABN AMRO / RBS conducted the second microfinance impact assesment survey in Dec-2008. using proportionate random sampling
     your target market of the financial/and or non-financial            according to district & interviewed 320 mature clients. The date were used to score clients on the Progress out of poverty Index
     products and services that you provide? If yes and you want         (PPI) . It is estimated that two third of these mature clients are no longer poor , according to the Indian National Poverty line
     to share the results, you can write a short summary here.
     (Feel free to provide web links to related documents and/or
     send related documents to MIX, if you want them to be
     published in the MIX Market library):

18   Employment (Family & Hired in credit supported small
     enterprises)
                                                                                                                                                                        People self-employed
                                                                                                                                                                                               Hired (non-household) workers
a    Enterprises financed and employment generation                                 Enterprises financed                          Start-up enterprises              (including family members)
                                                                                                                                                                                                   in financed enterprises
                                                                                                                                                                       in financed enterprises

     Estimated number(please fill each column with appropriate
     numbers for the reporting year):                                                                                                                                                                                           NA
     Percentage of start-up enterprises:                                                                                     #DIV/0!                                                                      #DIV/0!
                                                                                                                                                                                                                                NA
                                                                                                                                                                      Part-time self-employed
b    Full-time/part-time employment                                         Full-time self-employed workers                    Full -time hired workers                                           Part-time hired workers
                                                                                                                                                                              workers
     Estimated number (please fill each column with appropriate
     numbers for the reporting year):                                                                                                                                                                                           NA
     Percentage:                                                         #DIV/0!                                             #DIV/0!                                             #DIV/0!                  #DIV/0!               NA
c    Was this data gathered from a sample of clients or all
     clients? If from a sample, please provide sample details (size,
     period and sampling methodology):                                                                                                                                                                                          NA
19   Children in School.This question is relevant for countries where                                                                                                                                                           There was no difference between the proportion of male
     school attendance is less than 90% at secondary or primary level                                                                                                                                                           and female children in school but the proportion in school
                                                                                                                                                                                                                                increased from 70% among the very poor to 90% amoung
                                                                                                                                                                                                                                the Non poor.
a    Do you track whether your clients' children are attending           Yes
     school ?
                                                                         If not, and not planning, please explain
                                                                         why not:
b    If yes, do you collect this data separately for new clients (less
     than 1 year with your institution) and for older clients (more      Please choose one
                                                                                                                                                                                                                                Only mature clients.
     than 3 years with the MFI)? If separately, please provide
                                                                                                                                                                                                                                A sample survey of Clients after five loan still show the
     data for older clients below (questions f, g)                                                                                                                                                                              relationship between poverty status and education of children.
                                                                                                                                                                                                                                Please see the Impact Study…..
c    School attendance of clients' daughters                              Clients'daughters who are of school                 Clients' daughters who are Clients'daughters who are Clients' daughters who are in
                                                                             age (primary-secondary school)                    attending primary school attending secondary school primary-school-age and who
                                                                                                                                                                                    are not enrolled in primary
                                                                                                                                                                                             education
    Number (please fill each column with appropriate numbers
    for the reporting year):
    Percentage:                                                                                           #DIV/0!                     #DIV/0!                   #DIV/0!
d   School attendance of clients' sons                               Clients'sons who are of school age      Clients' sons who are       Clients' sons who are      Clients' sons who are in
                                                                         (primary-secondary school)        attending primary school   attending secondary school primary-school-age and who
                                                                                                                                                                  are not enrolled in primary
                                                                                                                                                                           education               There was no diffrence between Sons and daughters.
    Number (please fill each column with appropriate numbers
    for the reporting year):
    Percentage:                                                                                           #DIV/0!                     #DIV/0!                      #DIV/0!
e   Was this data gathered from a sample of clients or all          Random proportion sample according to District of 320 Mature clients.
    clients? If from a sample, please provide sample details (size,
    period and sampling methodology)
f   Provide here data for your older clients (more than 3 years      Clients'daughters who are of school Clients' daughters who are Clients'daughters who are Clients' daughters who are in
    with the MFI): School attendance of clients' daughters              age (primary-secondary school)     attending primary school attending secondary school primary-school-age and who
                                                                                                                                                                     are not enrolled in primary
                                                                                                                                                                              education
    Number (please fill each column with appropriate numbers
    for the reporting year):
    Percentage:                                                                                           #DIV/0!                     #DIV/0!                      #DIV/0!                         75 % in school
g   Provide here data for your older clients (more than 3 years      Clients'sons who are of school age      Clients' sons who are       Clients' sons who are         Clients' sons who are in
    with the MFI): School attendance of clients' sons                    (primary-secondary school)        attending primary school   attending secondary school    primary-school-age and who
                                                                                                                                                                     are not enrolled in primary
                                                                                                                                                                              education
    Number (please fill each column with appropriate numbers
    for the reporting year):
    Percentage:                                                                                           #DIV/0!                     #DIV/0!                      #DIV/0!                         75% in school
     FY 2009 POVERTY MEASUREMENT
20   Clients below poverty line at entry
     Please answer the questions below under the relevant
     column (s) according to the poverty level(s) for which
     you have information
a    What poverty line(s) does your institution consider               National poverty line        US $1.00 a day international poverty line     US $2.00 a day international poverty line   Other (Please specify):
     when measuring the poverty levels of your
     entering/recently joined clients? (Check all that apply):

b    What percentage of all entering/recently joined clients 90%
     are estimated to be below the poverty line, at the end
     of the reporting year?
c    Specify - in the relevant cell(s) -which poverty tool(s) PPI
     you used to calculate this data:
d    What percentage of all entering/recently joined clients 8%
     are estimated to be in the bottom 50% of the poverty
     line), at the end of the reporting year?
e    Specify - in the relevant cell(s) -which poverty tool(s) CASHPOR HOUSING INDEX
     you used to calculate this data:
f    Was this data gathered from a sample or all clients? If     All Clients
     from a sample, provide details on the size, period and
     sampling methodology:
21   Clients below poverty line after 3 or 5 years (Complete            National Poverty Line    1 US$ per day international poverty line       2 US$ per day international poverty                    Other
     either for 3 or for 5 years or for both if both seem                                                                                                       line
     relevant for your institution)
a    Of your clients who have been with your institution for     Not available
     3 years, what percentage is estimated to be below the
     poverty line?
b    Of your clients who have been with your institution for     33%
     5 years, what percentage is estimated to be below the
     poverty line?
c    Specify - in the relevant cell(s) -which poverty tool(s)    PPI
     you used to calculate this data:
d    Provide details on the size, period and sampling            Random sample of 320 mature
     methodology:                                                clients according to district

22   Clients out of poverty after 3 or 5 years (Complete                National Poverty Line    1 US$ per day international poverty line       2 US$ per day international poverty                    Other
     either for 3 or for 5 years or for both if both seem                                                                                                       line
     relevant for your institution)
a    Of your clients who have been with your institution for
     3 years, what percentage is estimated to be above the
     poverty line now? (Provide data in the cells related to
     the poverty line(s) that you used):

b    What percentage of these clients (now above the
     poverty line) were below the poverty line when they
     joined the institution?
c    Of your clients who have been with your institution for 67%
     5 years, what percentage is estimated to be above the
     poverty line? (Provide data in the cells related to the
     poverty line(s) that you used):
d    What percentage of these clients (now above the         90%
     poverty line) were below the poverty line when they
     joined the institution?
e    Provide details on the size, period and sampling            Random Sample of 320 Mature
     methodology:                                                Clients ( Five years onwards)
GLOSSARY

Indicator               Definition
Active borrowers        The number of individuals who currently have an outstanding loan balance with the MFI or are primarily responsible for
                        repaying any portion of the Gross Loan Portfolio. Individuals who have multiple loans with an MFI should be counted as a
                        single borrower.

Education               1. Financial literacy: training which addresses topics related to financial planning, savings, investments, borrowings,
                        budgets, interest rates, etc..2. Basic health/nutrition education: teaching sessions on topics such as breastfeeding, child
                        health and nutrition, family planning, reproductive health, etc. 3. Children and youth education: educational programs and
                        strategies geared toward children and youth 4. Occupational safety and health in the workspace education: training that
                        aims to inform local entrepreneurs about how to ensure safer and healthy working conditions.


Credit                  1.Microcredit loans for microenterprises: loans whose purpose is to finance a microenterprise (5 or fewer employees)
                        2.SME loans: loans whose purpose is to finance small or medium enterprises (greater than 5 employees and less than 250)
                        3.Loans for agriculture: loans destined to activities linked to agriculture/livestock. 4.Line of credit: a pre-established loan
                        authorization with a specified borrowing limit extended by a lending institution to an individual or business based on
                        creditworthiness. 5. Consumer loans for education: loans destined to finance the education of any household member
                        6.Housing loans: loans that finance home purchase or improvements 7. Consumer loans for immediate household needs:
                        loans mainly destined to finance consumption and other household needs.

Clients drop-out rate   Percentage of clients who had no transaction on credit with the MFI for over 12 months, calculated as: (Total number of
                        borrowers at the beginning of the reporting period+Number of new borrowers during the period-Total number of
                        borrowers at the end of the reporting period)/Total number of borrowers at the beginning of the reporting period. This
                        formula does not differentiate between new and rejoining clients.
Enterprise services     1. Enterprise skills development: includes vocational training, technical and management skills courses to develop small-
                        scale enterprises 2.Business development services: includes information, training, business advice, consulting and
                        marketing services, assistance with information and communications technology (ICT), technical assistance, and business
                        links.
Enterprises             1.Microenterprises: enterprise having 5 or fewer employees. 2.Small enterprises: enterprise greater than 5 employees and
                        less than 50. 3.Medium enterprises: enterprises greater than 50 employees and less than 250. 4.Large enterprises:
                        enterprises greater than 250 employees. These numbers include both self-employed (client and family members) and non-
                        family hired employees.
Financial services      1.Debit card: a bankcard used to make an electronic withdrawal from funds on deposit in a bank, as in purchasing goods or
                        obtaining cash advances/Credit card: a bankcard that may be used repeatedly to borrow money or buy products and
                        services on credit. 2. Cell phones cards: a card used to directly lend out money through mobile phones and that allows
                        clients to store cash and repay their loans. 3.Savings facilitation services: the MFI enables its clients to have savings in
                        other institutions. 4.Money transfer services: Money sent by expatriate migrant worker to their home country or other
                        payments in cash, check or electronic transfer, also made domestically. 5.Payment by check: bill of exchange, or draft on a
                        bank drawn against deposited funds to pay a specified sum of money.

Full-time workers       Those working more than 6 hours a day, for more than 8 months a year.
Health services         1.Basic medical services: basic nursing, basic medical support and vaccination services. 2.Special medical services for
                        women and children: services such as PAP smears to breast exams, STD screenings, pre- and post- natal care for pregnant
                        women.
Insurance               1.Credit life insurance: insurance issued to cover the life of a borrower for an outstanding loan. If the debtor dies prior to
                        repayment of the debt, the policy will pay off the balance of the amount outstanding. 2.Life insurance: insurance that
                        guarantees a specific sum of money to a designated beneficiary upon the death of the insured or to the insured if he or she
                        lives beyond a certain age. 3.House insurance: property insurance that covers losses occurring to one's home, its contents,
                        loss of its use, or loss of other personal possessions of the homeowner. 4.Agriculture insurance: coverage for crops in the
                        event of loss or damage and coverage for domestic animals loss raised for home use or for profit, especially on a farm; 5.
                        Health insurance: insurance against loss or bodily injury; 6. Workplace insurance: insurance that covers medical costs and
                        lost wages for employees injured at work

Legal form              1.Bank: a licensed financial intermediary regulated by a state banking supervisory agency. It may provide any of a number
                        of financial services, including: deposit taking, lending, payment services, and money transfers. 2.Non-bank financial
                        institution: an institution that provides similar services to those of a Bank, but is licensed under a separate category. The
                        separate license may be due to lower capital requirements, to limitations on financial service offerings, or to supervision
                        under a different state agency. In some countries this corresponds to a special category created for microfinance
                        institutions. 3.NGO: an organization registered as a non profit for tax purposes or some other legal charter. Its financial
                        services are usually more restricted, usually not including deposit taking. These institutions are typically not regulated by a
                        banking supervisory agency.4.Cooperative/credit union: a non profit, member-based financial intermediary. It may offer a
                        range of financial services, including lending and deposit taking, for the benefit of its members. While not regulated by a
                        state banking supervisory agency, it may come under the supervision of regional or national cooperative council.

Lending methodology     1.Individual loans: A loan made to an individual borrower who is solely responsible for its repayment. 2.Solidarity group: A
                        loan group made up of approximately 3–10 people drawn from the same community and where group members
                        collectively guarantee loan repayment 3.Village banking: As in solidarity groups, loan repayment is guaranteed by collective
                        membership, but loan groups are bigger, made up of approximately 20–30 people (typically women).

Mission statement       A formal, written expression of an organization’s mission that defines why it exists, and what it does for whom. It can also
                        include vision statement and values statement - if relevant.




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Poverty assessment tools

                           1.Progress Out of Poverty Index (PPI) CGAP-FORD, Grameen: the PPI is a composite of 10 easy-to-collect, non-financial
                           indicators such as family size, the number of children (attending school), type of housing and assets, linked to a poverty
                           likelihood score, according to different poverty lines. Each PPI is specific to its particular country characteristics as each is based
                           on a recent national household survey that covers expenditure or income. 2.IRIS/USAID Poverty Assessment Tool (PAT): also
                           based on recent national household surveys that cover expenditure or income, PAT is a country-specific questionnaire of 15-18
                           indicators that are benchmarked to different poverty lines. (Initially designed to report on the % of clients who are 'very poor'
                           according to the legislative definition of 'extreme poverty' for the country in question). 3.Per capita household expenditure: sum
                           of total household expenditure (for consumption or non-consumption) divided by the number of members living in the
                           household 4.Per capita household income: aggregate income from all household income from work, capital and government
                           transfers, cash and in-kind - divided by the number of members living in the household). 5.Housing index: the Housing Index
                           uses the structure of the house and sometimes the compound, the material used for building the house, the number of rooms,
                           the presence of running water and bathroom facilities to differentiate between economic levels of households and identify those
                           who are poor. 6.Participatory wealth ranking (PWR): PWR relies on criteria that communities themselves define to conduct
                           assessments of who within their communities they deem to be poor and who relatively better off. PWR lets communities
                           themselves define what constitutes poverty and relative well being and lets communities then classify households according to
                           relative levels of poverty. 7.Means Test: the means test uses a very simplified household survey to determine poverty levels of
                           households. A small number of relatively easily verifiable and generally asset based indicators are used, including land
                           ownership, livestock ownership, ownership of radio, television, etc. Other indicators that may be used are educational levels or
                           social indicators . A composite score is then derived to rank households. 8.Food security index: it is a quantitative assessment of
                           the availability, stability and access to food supplies in each country, as well as the nutritional outcomes that result from food
                           insecurity. 9.Own Proxy Poverty Index: any other poverty indicator used by your institution.


Poverty levels             1.Very poor: Clients living below an absolute extreme poverty line. Common extreme poverty lines include (1) persons in
                           the bottom 50% of those living below the poverty line established by the national government, or (2) persons living on less
                           than US $1 per day (technically $1.08 per day per capita at 1993 Purchasing Power Parity - PPP) or on less than of US $1.25
                           per day at 2005 PPP. 2.Poor: Clients living below a poverty line. Common poverty lines include (1) persons living below the
                           poverty line established by the national government, or (2) persons living on less than US $2 per day in daily per-capita
                           expenditures at 1993 PPP. 3.Low income: Clients above the poverty line but below the national average income. For any
                           update about poverty lines and PPP visit: http://www.povertytools.org/


Regular service point      Services which include MFIs branches, mobile banking agencies or delivery services operating at least one day a week. An
                           area is considered to have no other MFI or bank branches when a services point is located at least 50 km (or more than 2
                           hours) away.
Rural areas                Settled places outside towns and cities, such as villages, hamlets, where most livelihoods are farm based.Farm includes
                           both crop and noncrop agriculture, livestock. fishing, etc.

Savings                    1.Checking accounts: an account which allows the holder to write checks against deposited funds 2.Voluntary savings:
                           deposits are voluntary 3.Compulsory savings (cash collateral): savings are mandatory (and used as cash collateral); 4. Fixed
                           term deposits: deposit that cannot be withdrawn before a date specified at the time of deposit 5.Special purpose savings
                           accounts: a deposit account for private individuals to accrue money for a special purpose and receive interest on the
                           deposited amount.
Semi-urban areas           Residential areas on the outskirts of a city or town with strong presence of non-farm economy.

Staff                      Personel who carry out tasks related to microfinance activities. This should not include technical staff (e.g. I.T. department,
                           accountants, administrative) and support staff (e.g. drivers, cleaners).
Staff turnover rate        Percentage of staff having left the MFI during the last reporting year, as calculated by: Number of departing full and part
                           time employees over reporting period / Average number of full and part time employees over reporting period.

Urban areas                Areas constituting a city or town with higher density of population in comparison to the surrounding areas, where the
                           majority of people do not dependent upon agriculture as main economic activity.
Voluntary savers           The total number of individuals who currently have funds on deposit with an MFI on a voluntary basis.i.e. they are not
                           required to maintain the deposit account to access a loan. This number applies only to deposits that are held by the MFI,
                           not to those deposits held in other institutions by the MFI’s clients.
Women empowerment          The MFI identifies constraints that women face in the society and seeks to enable women - through the provision of
                           financial and non financial services tailored to women's needs - to challenge and change gender inequalities in the
                           household, market and community. The MFI carefully supervises women business activity to ensure that the woman client
                           effectively exercises the control over her loan and business activity and does not hand it over to their husband or another
                           male in the household. Some of the non financial services aiming at empowering women are: 1.Business training for
                           women: specific training to promote women's entrepreneurship. Besides basic bookkeeping and business management
                           skills it may include guidance in balancing family and work responsibilities, group dynamics and leadership (in the case of
                           group loans). 2.Women leadership training: training aiming at increasing women's confidence to work productively,
                           enhance their sense of self-empowerment related to control over their freedom of movement and decision-making
                           3.Training on rights and responsibilities as leaders in participative models: develops the leadership capacity among group
                           members to promote the rotation of leadership roles 4.Women's rights education/Gender issues (training for men and
                           women): provides a forum for dialogue on social and political issues, such as, women’s rights and issues concerning gender
                           roles in the community and awareness to eliminate any form of violence and discrimination against women. 5. Counseling
                           for women victims of violence: gives women victims of violence psychological and support and free legal advice.




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