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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                                               OUTCOMES
                      INTENT                                                       OUTPUTS                                                    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:                                                              VisionFund Cambodia
b      Country of operations:                                                        Cambodia
c      Year microfinance operations began:                                           2003
d      Legal form:                                                                   NBFI

e      Report for Fiscal Year ended (day - month - fiscal year 2009):                31 December 2009
f      Number of loan accounts:                                                      98,777
g      Number of currently active borrowers (not loan accounts):                     98,777
h      Number of savings accounts:                                                   61
i      Number of currently voluntary savers (not savings accounts):                  61
(ii)   THE RESPONDENT
a      Name of respondent(s):                                                        Chee Chin Hoe
b      Title of respondent(s):                                                       Chief Executive Officer (CEO)
c      Office Address (Street, City and Zip Code):                                   #20, Street 71 (Near corner of Mao Tse Toung and Monivong Blvd), Phnom Penh, Cambodia
d      Contact e-mail address:                                                       chinhoe_chee@wvi.org
e      Contact telephone number:                                                     (855) 017 333 757/ 023 6555 015
       INTENT
1      Mission and Social Goals
a      What is your MFI's social mission?                                            A Christian company that provides financial services to help the poor liberate themselves from poverty
b      In which year was the mission statement formulated (or updated)?              2003
c      What is the poverty level of the clients that your institution aims to              Very poor clients
       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 that apply):
       Very 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):


       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):

e      What is the target market of your institution? (Check all that apply):
                                                                                           Women

                                                                                           Adolescents and youth (below the age of 18)

                                                                                           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? (Check all that             Microenterprises
                                                                                                                                                                                                     VisionFund Cambodia has also launched SME (Small and
       apply):                                                                                                                                                                                       Medium Enterprise) loans for clients
                                                                                           Small enterprises

                                                                                           Medium enterprises

                                                                                           Large enterprises


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

                                                                                          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):

2      Governance
a      Are Board members' responsibilities and terms of services specified by            Yes
       the Institution's bylaws? (Check all that apply):
b      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 apply):                    Government

                                                                                           Representatives of community leaders

                                                                                           Independent/professional firms

                                                                                           Representatives of private financial institutions

                                                                                           Clients

                                                                                           Other (Please specify):               NGO partners

d      What are the areas of expertise of your institution's Board                         Financial and banking
       members?(Check all that apply):
                                                                                           Legal

                                                                                           Development/non financial services

                                                                                           Government/ public services

                                                                                           Other (Please spcify):                NGOs (social services)

e      What is the total number of your Board members?                               7
f      What is the number of women on your Board?                                    2
g   If you have representatives on your Board of your target market (as             None
    reported in question 1e) which categories of clients are represented?

h   How does your institution reinforce Board members’ knowledge of, and
                                                                                          We have a standing social performance committee that regularly reviews social performance issues
    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


                                                                                          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)

                                                                                          Other (Please specify):             Emergency (express) loans, association loans,
                                                                                                                              etc.
    Savings:
                                                                                     Yes


    If your institution does not offer savings, please skip this question.             Checking accounts
                                                                                                                                                                                                            We have temporarily withheld the promotion of the savings product
    Otherwise, what kind of savings products does it offer? (Check all that                                                                                                                                 including fixed term deposits due to recent requirement by the National
    apply):                                                                            Voluntary savings                                                                                                    Bank of Cambodia (NBC) for license to offer such product.
                                                                                                                                                                                                            We have now submitted our application for the savings license at NBC. As
                                                                                       Compulsary savings (cash collateral)
                                                                                                                                                                                                            of this reporting date, we have yet to be granted the license
                                                                                       Fixed term deposits

                                                                                          Special purpose savings accounts

                                                                                       Other (Please specify):

    Insurance:                                                                      Yes through partnership


    If your institution does not offer insurance products, please skip this
                                                                                          Credit life insurance
    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?                                                                                                                                                               Though it is compusory, the premium is incurred on VisionFund
                                                                                     Voluntary
                                                                                                                                                                                                            Cambodia. Clients do not need to pay extra for insurance. Therefore, it is
                                                                                                                                                                                                            actually their Additional Benefits
    Other financial services:                                                       Yes through partnership


    If your institution does not offer other financial services, please skip this         Debit/Credit card
                                                                                                                                                                                                            We've been partnering with WING (ANZ Group) to provide money
    question. Otherwise, what type of services does it offer? (Check all that                                                                                                                               transfer or remittance service, since January 2009
                                                                                          Cell phones cards
    apply):
                                                                                          Savings facilitation service

                                                                                          Money transfer/remittances service

                                                                                          Payments by check

                                                                                          Other (please specify)              Exchange facility provided directly

b   What are the lending methodologies of your institution? (Check all that               Individual lending
    apply):
                                                                                          Solidarity group lending

                                                                                          Village banking

                                                                                          Other (Please spcify):

c   Which of the following non-financial services does your institution offer
    to its clients (Check all that apply):
    Enterprise services:                                                             Yes, offered through negotiated alliances with third parties




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

    Education:
                                                                                    Yes, offered directly


    If your institution does not offer education services, please skip this               Financial literacy
    question. Otherwise, what type of services does it offer? (Check all that
    apply):                                                                               Basic health/nutrition education


                                                                                          Children and youth education

                                                                                          Occupational safety and health in the workplace

                                                                                          Other (Please specify):

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


    If your institution does not offer health services, please skip this                  Basic medical services
                                                                                                                                                                                                            We've been partnering with other NGOs (Plan In't, WVC, ADRA, HCC, etc.)
    question. Otherwise, what type of services does it offer? (Check all that                                                                                                                               to provide non-financial services including health interventions of basic
    apply):                                                                               Special medical services for women and children                                                                   medical service and special services for women and children

                                                                                          Other (Please specify):


    Women empowerment:                                                              Yes, offered directly and through alliances with third parties


    If your institution does not offer services for women's empowerment,                  Business training to enhance women's market opportunities
                                                                                                                                                                                                            We've been working directly and in partnership with other NGOs to
    please skip this question. Otherwise, what type of services does it offer?                                                                                                                              respond to this issue of women's empowerment
                                                                                          Women leadership training
    (Check all that apply):
                                                                                          Training on rights and responsibilities as leaders in participative models

                                                                                          Women's rights education/Gender issues (training for men and women)

                                                                                          Counseling/legal services for women victims of violence


                                                                                          Other (Please specify):

4   Training of staff on social performance

a   Did any of your staff participate in training or orientation sessions related   Yes
    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 have received               Board members
    some kind of training on social performance management during the
                                                                                          Top management
    reporting year? (Check all that apply):
                                                                                          Middle management

                                                                                         Loan officers

                                                                                         Back office staff (MIS, accounting, administration)

                                                                                         Other (Please specify):                For new staff orientation (on certain aspects of
                                                                                                                                SPM)
c   On which areas related to social performance does your institution offer
    staff training?
    General principles/strategies                                                         Mission orientation

                                                                                          Social objectives

                                                                                          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):               Awareness on HIV/AIDS, child protection, child's
                                                                                                                                rights, domestic violence, women's
                                                                                                                                empowerment, etc.

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

                                                                                   If not, and not planning,
                                                                                   please explain why not:
b   If not, please skip this question. Otherwise, which areas does your                  Ability to attract new clients from target market
    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):                Average loan size, % of community bank clients,
                                                                                                                                % of female clients, clients' feedback,
                                                                                                                                relationship with NGO partners and local
                                                                                                                                authorities, etc.

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

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

                                                                                          Interviews with exiting clients


                                                                                          Other (Please specify):

c   How often does your institution conduct or commission market research          1Annually
    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 reporting period:            78,092

    Total number of borrowers at the end of the reporting period:               98,777
    Number of new borrowers during the period:                                  54,800
    Drop-out rate                                                               44%
c   How often does your institution conduct or commission exit surveys or       We are not sure why the MIX
                                                                                 Annually
    receive informal feedback from exiting clients?                             and MCRIl used the average in
                                                                                the denminator. Statictacally
c   If any major event, external to the institution, has occurred that may have External factors that affect
    affected the drop-out rate please report it here:                           client drop-out rate mainly
                                                                                include the effects of the
                                                                                Global Financial/ Economic
                                                                                Crisis and tough industry
                                                                                competition
    POLICIES AND COMPLIANCE
8   Social Responsibility to clients
     Please read through each of the following statements and mark the ones             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.
     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 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?


c    Do you know the percentage of your clients that are borrowing from          13% of exit clients reported to                                                                                                                                                    VisionFund Cambodia conducted the Client Exit Survey in late 2009
     other institutions? If yes, please provide the estimated percentage:        have applied loans with other
                                                                                 MFIs

d    If you do not track the percentage of your clients who are borrowing from
                                                                                       Part of loans appraisal
     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 borrowing from          No
     money lenders? If yes, provide the estimated percentage:
f    If you do not track the percentage of your clients who are borrowing from
                                                                                       Part of loans appraisal
     money lenders, 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):

10 Social Responsibility to staff
a    Which of the following are included in your human resources policy?
                                                                                       A clear salary scale based upon market salaries
     (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 staff?                77% permanent

c    What policies does your institution have in place to support women staff?         Equal opportunities policies for 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):



d    Total number of staff                                                       637
e    Total number of top managers:                                               9
f    Total number of middle managers:                                            22
g    Total number of loan officers:                                              324
h    Presence of women staff:                                                       Number of women staff                                     Women top managers                               Women middle managers                     Women loan officers

     Number (please fill each column with appropriate numbers for the            247                                        1                                                              1                                       103
     reporting year):
     Percentage:                                                                 39%                                        11%                                                            5%                                      32%
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 institution
                                                                                       Assessments of employee expectations and/or satisfaction as part of regular staff appraisal
     monitor employee satisfaction?(Check all that apply):
                                                                                       Periodic systematic surveys of employee expectations and/or satisfaction

                                                                                       Established system to address staff grievance

                                                                                       Interview with exiting staff

                                                                                       Other (Please specify):

k    Please provide the following data points to help us calculate your
     institution's staffstaff at the end of the current reporting period:
     Total number of turnover rate:                                              637
     Total number of staff at the beginning of the reporting period:             521
     Number of exit staff during the reporting period                            127
     Staff turnover rate                                                         21.9%
   ACHIEVEMENT OF SOCIAL GOALS
11 Geographic outreach

     Clients coverage in each geoographic area (counted in terms of unique                Number of clients:                               Clients living in urban areas:                   Clients living in semi-urban           Clients living in rural areas:
a                                                                                                                                                                                                       areas:
     clients, not accounts):
     Number (please fill each column with appropriate numbers for the            98,777                                     2,948                                                          9,227                                   86,602
     reporting year):
     Percentage:                                                                                                            3%                                                             9%                                      88%
b    Does your institution have regular service points located in areas where     No
     there are no other MFIs or bank branches?
     If yes, what is the number of service points you have in these areas?       N/A

c    What is the number of clients served in these areas?                        None
d    What is the total number of service points that you have?                   None
e    Percentage of service points you have in these areas:                       #VALUE!
f    Percentage of clients served in these areas:                                #VALUE!
12   Women outreach
a    Number of women active borrowers:                                           85,640
b    Percentage of women active borrowers:                                       87%
c   Number of women voluntary savers:                                                 61

d Percentage of women voluntary savers:                                                100%
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 borrowers        Women active borrowers
                                                                                             individual loans                                                         receiving individual loans     receiving groups loans
    Number (please fill each column with appropriate numbers for the                  4,822                           93,955                                         3,319                         82,320
    reporting year):
    Percentage:                                                                       5%                              95%                                            4%                            96%
b   If you can, please state the percentage of clients who have graduated             We didn't track this, as it's
    from group loans, during the reporting year:                                      time consuming
c   If it applies, number of clients who are indigenous people or ethnic              N/A
    minorities :
d   Percentage of clients who are indigenous people or ethnic minorities:             #VALUE!

e   Number of other clients that your institution target (specify according to        - 28,645 poorest clients
    the target group):                                                                - 44,450 poor clients
                                                                                      - 24,694 not-so-poor clients
     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
     poverty level? (check all the applies)
                                                                           We measure the poverty level of clients after 3/5 years in the program


                                                                           We measure the poverty level of all clients at a certain point in time (no differentiation between new and old clients)

                                                                           We do not measure the poverty level of our clients

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

                                                                           Other (Please specify):

c    If it applies, after what period of time (from entering) does
                                                                         Does not apply
     your institution assess the poverty level of your clients?

                                                                        If you do not track this information               We have yet to apply PPI tool to track the poverty level movement of the clients. We're now planning to pilot PPI. Nevertheless, we get the
                                                                        please explain why not:                            poverty impact assessment conducted by external consultants every 2/3 years. We plan to assess the poverty level of our clients 3 years
                                                                                                                           after they've entered the program, when we have the new MIS in place perhaps starting from 2011

d    If it applies, how often does your institution track changes in     Does not apply
     poverty levels of the clients?
     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

                                                                           No we do not have

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

                                                                           Support local communities in case of emergencies

                                                                           Support local communities for social or economic development

                                                                           Support women's leadership

                                                                           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
     social responsibility to the community (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):

16   Social Responsibility to Environment

a    Does the MFI have an environmental policy for                         We have a formal written policy
     clients/microenterprises it finances? (Check all that apply):
                                                                           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
     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 enterprise                   Clients who received         Clients who received
     non-financial services to your clients (Part I of the report,                                                                                                                             Clients who received services related to women empowerment
                                                                                       services                                education services             health services
     question 3c)
                                                                                                                                                                                                                                                                     We conducted all these mostly with the CB clients. We've also
     Number (please fill each column with appropriate numbers            87,622                                           87,376                        41,141                       85,640
                                                                                                                                                                                                                                                                     worked with other NGO partners to bring these services to our
     for the reporting year):                                                                                                                                                                                                                                        clients
     Percentage:                                                         89%                                      88%                            42%                           87%
b    Did you conduct any study regarding the effectiveness on            We do the Client Satisfaction survey annually. In 2009, we found over 90% of the clients interviewed reported to have expressed positive feelings over the daily operations of
     your target market of the financial/and or non-financial            VisionFund Cambodia. There was no significant feedback or comments on loan product quality specifically in terms of product design, product diversification, loan size, collateral
     products and services that you provide? If yes and you want         requirements, accessibility, repayment conditions, ...etc. The clients were greatly satisfied with the pricing strategy of VisionFund Cambodia, though some complained about the
     to share the results, you can write a short summary here.           interest rate, other incurred fees and panalties of late repayment. The high level of satisfaction was attributed to the effective marketing strategy of VisionFund combined with
     (Feel free to provide web links to related documents and/or         other service offer including the non-financial one. Those clients also relayed good news to their friends, neighbors and relatives about the quality product/service offer of
     send related documents to MIX, if you want them to be               VisionFund. By estimate, one client spread his/her words of mouth to six people (whom s/he's known/related) on average about VisionFund. Five people later accessed the loan
                                                                         from VisionFund by the recommendations of friends, neighbors and relatives.
     published in the MIX Market library):



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

     Estimated number(please fill each column with appropriate
     numbers for the reporting year):                                                                                                                                                                                                                                3% of the total clients estimated to be enterprises financed; 1%
                                                                                                                                                                                                                                                                     of our clients are the start-up enterprises; Each entrepreneur is
                                                                                                                                                                                                                                                                     self-employed and employs his or her own spouse and or
                                                                                                                                                                                                                                                                     children; 30% of the entrepreneurial clients hired 6 non-
                                                                         2963                                             988                           11853                        7112                                                                            household workers on average
     Percentage of start-up enterprises:                                                                                  33%
                                                                                                                                                         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
                                                                7,112                                                     4,939                         4,741                        988
     numbers for the reporting year):
     Percentage:                                                     60%                                                  69%                                                 40%                                                                              14%
c    Was this data gathered from a sample of clients or all          All clients (based on estimate)
     clients? If from a sample, please provide sample details (size,
     period and sampling methodology):
19   Children in School.This question is relevant for countries where
     school attendance is less than 90% at secondary or primary level

a    Do you track whether your clients' children are attending           No, but planning in the future
     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
     than 3 years with the MFI)? If separately, please provide
     data for older clients below (questions f, g)


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 primary-school-age and who are not enrolled in
                                                                            age (primary-secondary school)                   attending primary school attending secondary school                                    primary education



     Number (please fill each column with appropriate numbers            N/A
     for the reporting year):
     Percentage:                                                                                                          #VALUE!                       #VALUE!                    #VALUE!
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-school-age and who are not enrolled in primary
                                                                               (primary-secondary school)                  attending primary school     attending secondary school                                    education



     Number (please fill each column with appropriate numbers            N/A
     for the reporting year):
     Percentage:                                                                                                          #VALUE!                       #VALUE!                      #DIV/0!
e    Was this data gathered from a sample of clients or all          N/A
     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 primary-school-age and who are not enrolled in
     with the MFI): School attendance of clients' daughters             age (primary-secondary school)                       attending primary school attending secondary school                                    primary education

     Number (please fill each column with appropriate numbers            N/A
     for the reporting year):
     Percentage:                                                                                                          #VALUE!                       #VALUE!                      #DIV/0!
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 primary-school-age and who are not enrolled in primary
     with the MFI): School attendance of clients' sons                         (primary-secondary school)                   attending primary school    attending secondary school                                    education



     Number (please fill each column with appropriate numbers
                                                                         N/A
     for the reporting year):
     Percentage:                                                                                                          #VALUE!                       #VALUE!                      #DIV/0!
     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                                                                                                             Other (Please specify):
                                                                                                        US $1.00 a day international poverty line         US $2.00 a day international poverty line
     when measuring the poverty levels of your
     entering/recently joined clients? (Check all that apply):

b    What percentage of all entering/recently joined clients     74%                                25%                                             1%
     are estimated to be below the poverty line, at the end      73,095                             24,694                                          988
     of the reporting year?
c    Specify - in the relevant cell(s) -which poverty tool(s)    Own Proxy Poverty Index by         Own Proxy Poverty Index by looking at           Own Proxy Poverty Index by looking at
     you used to calculate this data:                            looking at Per Capita              Per Capita household income,                    Per Capita household income,
                                                                 household income,                  expenditure, housing condition and other        expenditure, housing condition and
                                                                 expenditure, housing condition     valuable asset ownership of the client          other valuable asset ownership of the
                                                                 and other valuable asset           being applying for the loan from                client being applying for the loan from
                                                                 ownership of the client being      VisionFund Cambodia                             VisionFund Cambodia
                                                                 applying for the loan from
                                                                 VisionFund Cambodia


d    What percentage of all entering/recently joined clients     29%
     are estimated to be in the bottom 50% of the poverty        28,645
     line), at the end of the reporting year?
e    Specify - in the relevant cell(s) -which poverty tool(s)    Own Proxy Poverty Index by         Own Proxy Poverty Index by looking at           Own Proxy Poverty Index by looking at
     you used to calculate this data:                            looking at Per Capita              Per Capita household income,                    Per Capita household income,
                                                                 household income,                  expenditure, housing condition and other        expenditure, housing condition and
                                                                 expenditure, housing condition     valuable asset ownership of the client          other valuable asset ownership of the
                                                                 and other valuable asset           being applying for the loan from                client being applying for the loan from
                                                                 ownership of the client being      VisionFund Cambodia                             VisionFund Cambodia
                                                                 applying for the loan from
                                                                 VisionFund Cambodia


f    Was this data gathered from a sample or all clients? If     The data is collected from all     The data is collected from all the clients      The data is collected from all the
     from a sample, provide details on the size, period and      the clients entering the           entering the program. It is stored in the       clients entering the program. It is
     sampling methodology:                                       program. It is stored in the MIS   MIS (eMerge) to track the poverty level         stored in the MIS (eMerge) to track the
                                                                 (eMerge) to track the poverty      of all the clients                              poverty level of all the clients
                                                                 level of all the clients

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     N/A until we've applied PPI
     3 years, what percentage is estimated to be below the       tool to capture this data
     poverty line?
b    Of your clients who have been with your institution for     N/A
     5 years, what percentage is estimated to be below the
     poverty line?
c    Specify - in the relevant cell(s) -which poverty tool(s)    N/A
     you used to calculate this data:
d    Provide details on the size, period and sampling            N/A
     methodology:
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 N/A
     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         N/A
     poverty line) were below the poverty line when they
     joined the institution?
c    Of your clients who have been with your institution for N/A
     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         N/A
     poverty line) were below the poverty line when they
     joined the institution?
e    Provide details on the size, period and sampling            N/A
     methodology:
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




                                          b66bbb9d-6e78-4869-b950-89729c217c18.xls
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.
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):
                           based on recent national household surveys that cover expenditure or income, PAT is a country-specific questionnaire of 15
                           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:
                           of total household expenditure (for consumption or non-consumption) divided by the number of members living in
                           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
                           relative levels of poverty. 7.Means Test: the means test uses a very simplified household survey to determine poverty levels
                           households. A small number of relatively easily verifiable and generally asset based indicators are used, including
                           ownership, livestock ownership, ownership of radio, television, etc. Other indicators that may be used are educational levels
                           social indicators . A composite score is then derived to rank households. 8.Food security index: it is a quantitative assessment
                           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.




                                             b66bbb9d-6e78-4869-b950-89729c217c18.xls
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.




                                          b66bbb9d-6e78-4869-b950-89729c217c18.xls
                                                                                                Basic details

Name of                                                                   Number (day - accounts:
                        Year microfinanceLegal form: began: for Fiscal Year ended of loan month - fiscal year 2
           Country of operations:         operations Report
the MFI:
#VALUE!    Cambodia                        4
                        ='SPS Report-PART I'!C11                               98777.00
                                                         ='SPS Report-PART I'!C13




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drop-down list
    Basic details

                Number of savings accounts: accounts):
                               Number of currently voluntaryTitle of respondent(s):
                                                             savers (not Office Address (Street, City and Zip Code):
                                                                                        Contact e-mail address:
Number of currently active borrowers (not loan='SPS Report-PART I'!B19 savings accounts):
98777.00            61.00              61.00    #VALUE!        #VALUE!        #VALUE!         #VALUE!
            What number:               In which      was the mission    Low formulated (or updated)?
Contact telephone is your MFI's social mission? yearVery Poor Poor statementincome Not a specific focus
 #VALUE!            #VALUE!             2003.00     TRUE       TRUE        TRUE          FALSE
Very poor (1)   Very poor (2) Other   Poor clients (1) Poor clients (2)   FALSE Target (Women)
     FALSE          TRUE     FALSE         FALSE             TRUE         #####      TRUE
                                                                                  MISSION

Target (Youth)   Target (Indigenous)   Target (Rural) Target (Urban)   Target (ALL) Target (Other)
     FALSE              FALSE              TRUE            TRUE           FALSE             FALSE
Micro    Small    Medium   Large                 Poverty
                                     Financial Inclusion reduction Employment generation
  TRUE     TRUE    TRUE      FALSE     TRUE          TRUE             TRUE
                        enterprises Income and productivity growthimprovement Children schooling
Development of start-upGrowth of existing business Adult education Youth Opportunities
        TRUE              TRUE         FALSE          TRUE           TRUE          TRUE
               Gender equality
Health improvement          Water     Housing    Other                       Manual of
                                                                    Committees minutes procedures
                                                           Board minutes
     TRUE         TRUE         TRUE      FALSE     FALSE     FALSE    FALSE     FALSE
other              Representatives and Representatives of private financial institutions banking
          Government                   community leaders Other
                            Independent Firms    Clients                 Financial and Legal
#VALUE!     FALSE      FALSE      TRUE       TRUE      FALSE     #VALUE!       TRUE        FALSE
         Gov't/Public Services What is the total number of your Boarda standingyourstaff and clienttargetperforman
                     other
Development/Social services                          number of representatives on social performance visits market (a
                                                                women members? We ensure your committee tha
                                                                          your Board?
                                         What is theIf you have We haveon We organise Board of that social to help bo
  TRUE      FALSE                services)
                     NGOs (social#VALUE! #VALUE!      #VALUE!     TRUE       TRUE       TRUE
          Range of products and services
Other                 Loans                Loans       Education loans
          MicrocreditSME Loans Agriculture Line of credit                    Loans   Other
                                                                  Housing loans for immediate household needs
#VALUE!     TRUE       TRUE       TRUE     FALSE      FALSE      FALSE     TRUE     #VALUE!
savings                  Voluntary Compulsary Savings deposits Other
              Checking accounts Savings                                      Insurance
                                            Fixed term Special purpose savings accounts Credit life insurance
          2     FALSE      TRUE      FALSE       TRUE      FALSE            0          3    TRUE
            House insurance
Life insurance                   Health Insurance
                                             Workplace Other
                                                        Insurance Voluntary or Compulsary Insurance card
                      Livestock and agriculture insurance                               Debit/Credit
                                                                             Other Financial Services
  FALSE      FALSE      FALSE      FALSE     FALSE      FALSE             2          3   FALSE
           Savings   Transfer service
                                 Payments by check
Cell Phone Cards facilitation service      Other                 Solidarity Village banking
                                                     Individual lending group lending  Other
  FALSE     FALSE      TRUE       FALSE    #VALUE!     TRUE       TRUE       TRUE      #VALUE!
           Enterprise Business developmentEducation Financial literacy health/nutrition education
                                 Other
Enterprise services skills development    service                Basic                  Occupational Safety
                                                                            Children Education
        3    TRUE       TRUE     #VALUE!            2    TRUE       TRUE      FALSE      FALSE
Other                Basic     Special medical services for women and children toleadership training market opportu
          Health services medical services Other                Business training enhance women's and responsib
                                                      Women empowerment    Women Training on rights
#VALUE!           3    TRUE      TRUE     #VALUE!            4   TRUE       TRUE       TRUE
                                            Training of staff on SP
          Counseling/legal services for women victims of and members
                    Other       Training staff
                                            Not, for not Board women)     Middle  Loan officers
Women's rights education/Gender issues (trainingwhy men violence Top management management
  TRUE      TRUE     #VALUE!           2 #VALUE!      TRUE      TRUE       TRUE      TRUE
Back office Other                Social Objectives  Poverty Other                  Communication with
                      Mission Orientation Gender sensitivity Measurement Over-indebtedness prevention clients of p
  TRUE      #VALUE!     TRUE      TRUE       TRUE      TRUE            0    TRUE      TRUE
           practices good qualityBeing responsive to clientsclients' data to those responsible for handling new clients from
                      Policy and procedures on safeguard of complaints
                                  social information other                     If          Not?
Acceptable Collectingof payment collection Referringclients needs Staff apraisal Not, WhyAbility to attract and resolving th
  TRUE       TRUE        TRUE       TRUE       TRUE      #VALUE!            2 #VALUE!       TRUE
                                                                            Staff Appraisal
          Women's Outreachof interaction Retention/ Drop-out rates
                     Quality  Social     quality                 Other
Outreach of remote rural communities datawith clients Portfolio quality     Incentives If Not, Why Not?
  TRUE       TRUE       TRUE       TRUE       TRUE       TRUE     #VALUE!           2 #VALUE!
                                                                                 TRUE
            Outreach clients fromQualitymarket
                       Women's Outreachof interaction Retention/ Drop-out rates
                                   target  Social     quality                 Other
Ability to attract newof remote rural communities datawith clients Portfolio quality    Top management
  TRUE       FALSE      TRUE       TRUE       TRUE       TRUE       TRUE      #VALUE!    TRUE
                                                                                     market research
         Loan officers        staff      Market Research
                                                     administration)     Client satisfaction assessment products
                                                                                     Interviews of new (interviews,
Middle management Back office other(MIS, accounting,If Not, WhyMarket research for developmentwith exiting clients s
                                                                Not
  TRUE      TRUE       TRUE     #VALUE!           2 #VALUE!       TRUE      TRUE       TRUE
market research                                                           client retention
           other               Total number of number of borrowers borrowers of the reporting period: 1
                                          Total     Number of new at theof theoften major event
                                                                beginning How reporting period:
                                                                          end         the period:
                     how often market research borrowers at the Drop-out rate duringExit Surveys affected MFI
           #VALUE!           4 #VALUE!     #VALUE!    #VALUE!        44%           4 #VALUE!      TRUE
                               SR to clients
       2          3          4           5            6          7          8          9 declining balance method
TRUE       TRUE       TRUE        TRUE         TRUE       TRUE       TRUE       TRUE       TRUE
          cost to clients
              method clients borrowing fromMonitored Annual Sample Surveyinternal auditing borrowing from money le
flat interestEIR                             other MFIs            Social Rating Survey clients
                                 Part of Loans Appraisaland reported through Other
  FALSE                           FALSE      FALSE       TRUE       TRUE      #VALUE!
           #VALUE! 13% of exit clients reported to have applied loans with other MFIs No
           Monitored and reported through Other
                                 Social Rating Survey Clear
Part of Loans AppraisalAnnual Sample Surveyinternal auditing Salary Scale Insurance
                                                                   Medical Pension    Ensure Staff Safety
  FALSE      FALSE     FALSE      FALSE     #VALUE!     TRUE       TRUE       TRUE      TRUE
                              SR staff
                      Anti-discrimination Right to Organize
Equal Pay Staff Participation     Anti-harassment    other               Equal Opportunities staff
                                                                                   Set Quota
                                                              Percent permanent and contract for women
  TRUE       TRUE        TRUE       TRUE       TRUE   #VALUE! 77% permanentTRUE       TRUE
          Maternity/Paternity
                     Support Women's     Number top ManagersNumber Loan Officers percentage women staff
Worktime for family constraints other Mobility                        Number Women Staff
                                                   Number Middle Managers
 FALSE       TRUE       TRUE     #VALUE!         9       22       324       247        39%
        percentageNumber Women Middle Managers managers
                  women percentage wome middlepercentagemonitor employee satisfaction
                                                        women If officers Not?
Number Women Top Managerstop managers Number Women Loan Officers loan Not, Whyi1
   100%       11%    100%        5% 10300%          32%           2              TRUE
i2          i3          i4          Other                 of staff at the end of the current reporting period:
                                                                      Number of Staffstaff during of the reporting period:
                                                                                  exit beginning the
                                             Total numberTotal number of staff at the Turnover Rate reporting period
     TRUE        TRUE        TRUE    #VALUE!   #VALUE!    #VALUE! #VALUE! 0.219344
                                                              geographic outreach
name of MFI                          Percent clients living in urban areas living in semi-urban
                                                              Percent clients
                                                                          Number Percent clients
                                                                                              regular service points in
                 Number Clients living in urban Number clients in semi-urban clients in rural living in rural areas th
VisionFund Cambodia          2948 0.029845             9227 0.093412          86602 0.876743           3
                                                                                 women
           Number clients servedPercentagePercentageNumberServed in Borrowers borrowers
                      Points                Service  Clients Women Areaswomen Women Savers
If Yes, Number ServiceNumber Total service points Points      percentageNumber percentage women savers
N/A        None       None       #VALUE! #VALUE!         85640 0.867003       61        1
                                 Lending methodology
         percentageNumber Group Loans Number Women Individual Loans percentagePercentage Clients Graduated fr
                     individual loans
Number Individual Loans                               percentageNumber individual loansLoans group loans
                                 percentage group loans         women Women Groupwomen
    4822 0.048817        93955 0.951183         3319 0.038755      82320 0.961233 We didn't track this, as it's time c
          Ethnic Minorities
                     of Ethnic Minorities
Number of PercentageOther targeted Clients
N/A        #VALUE! - 28,645 poorest clients- 44,450 poor clients - 24,694 not-so-poor clients - 988 non-poor clients
ents - 988 non-poor clients
                   Measure after
                              Measure atDo
                                        Certain Point in
                                                  PPI
Name MFI Measure Entering Level 3/5 years not measure Time PAT                  Per Capita household income
                                                                     Per Capita household expenditure
 #VALUE!  TRUE       FALSE      FALSE     FALSE      FALSE   FALSE     TRUE       TRUE
          Participatory Wealth Ranking (PWR) index household expenditureOther Index what time period
Housing index                              Per                  Own Proxy Poverty After
                     Means test Food security Capita Per Capita household income
 FALSE      TRUE        TRUE      TRUE       FALSE     FALSE      FALSE     #VALUE!     6
            Not?     Written Policy
                                Under Development Do            Avoid creditPromote transparency and anti-corruption
If Not, WhyTrack Changes in Poverty Level Informal Policynot have                      Promote reasonable working con
                                                                             for enterprises with negative social value
  #VALUE!           5 TRUE         FALSE     FALSE      FALSE     TRUE        TRUE        TRUE
           Support local communities for social ormeasures local language/dialects to the of forced or compulsory
                      Support women's leadershipeconomicto contribute contribute Policy or Initiative
                                  of emergencies
                                            who        the measures to
                                                                   Other     Related Written Policy
Support local communities in caseEmployees Take speak Takedevelopmentto the eliminationelimination of child labor labor
  TRUE        TRUE       TRUE       TRUE       TRUE      TRUE       #VALUE! #VALUE!       TRUE
          Informal Do          Raise awareness of client about environmental impacts linkedimprovements energies
Under Development Policynot have                      Specific clauses in the loan contract are included to mitigate specif
                                                                  Identify enterprises with environmental risk
                                                                              Lend lines other
                                         Train/educate the client regarding environmental to alternative
  FALSE      FALSE     FALSE     TRUE       TRUE        TRUE         TRUE        TRUE     #VALUE!




                                                           TRUE
           Written Policy
                        Under    Informal Do          Minimize use of conventional electricity fuelsrecycle water
Related Policy or Initiative Development Policynot have                    Minimize use of water,
                                                                                       Minimize
                                                                Minimize use of conventional use of paper, recycle p
 #VALUE!      TRUE         FALSE    FALSE     FALSE     TRUE       FALSE      TRUE        TRUE
Other    Number of PercentageNumber ofrecipient of enterprise recipientrecipient educationservices Services related to
                   clients receiving enterprise services Clients services of adult of health
                                of Clients Percentage of of adult educationof Clients recipient related to services empo
                                           Clients recipient
                                                        Number of Percentage
                                                                  Clients               Services of of
                                                                             Number of Percentage health women
 #VALUE!    87622 0.887069          87376 0.884578         41141 0.416504        85640 0.867003
          Number Number Financed
                               PercentageNumber Self-employedSelf-employedin financed enterprises enterprises
                                           Start-up enterprises financed Hired in enterprisesin of Full-time self-employ
                                                       PercentageNumber PercentageNumber financed
Conduct Any Study EnterprisesStart-up enterprises financed         in enterprises      Hired
 #VALUE!    2963.31     987.77 0.333333 11853.24               0 7111.944           0 7111.944
          Full-time self-employed workers Part-time self-employedself-employed Gathered from a sample
                     Full -time hired workers hired workers
                                  of Full -time        of Part-time workershired workers
                                                                  Part-time of Part-time
                                                                                       Track School Attendance
PercentageNumber of PercentageNumber of PercentageNumber of PercentageDataworkers hired workers
       0.6 4938.85 0.694444 4741.296               0.4    987.77 0.138889 #VALUE!               4
            Not?      Number Clients' daughters who are of school Numberof daughters attending of daughters of age scho
                                            of Clients' Percentage ageareattending age Number Primary Secondary but
                                                        clients' daughters of Percentage of school
                                                                    of        clients' daughters attending school
If Not, WhyCollect data seperatelyPercentageNumber of daughters whoclients' school Primary clients' daughters attending S
  #VALUE!           1 N/A                 0          0 #VALUE!             0 #VALUE!               0
          of daughters of sons whoClients'school age Number of PercentageNumber of Percentage school enrolled no
                    PercentageNumberof sons sonsofof school clients' sonsof Primarysons of age of Secondary but
                                of are of Percentage clients' Primary school
                                            clients'            age         attending Secondary but not
                                                                                        school
PercentageNumber Clients' age but not enrolled who areattendingsons attending clients' sons attending sons of age school
 #VALUE! N/A                  0          0 #VALUE!           0 #VALUE!               0 #DIV/0!
          N         Percentage daughters PercentageNumber of Percentage ofdaughters attending Secondary school b
                                 of Older Clients' daughters whoclients' school Primary clients' daughters attending age
                                            Older clients' daughters of daughters attending Primary school Clients daug
                                                        of Older Older clients' Older school Clients Older
                                                                                age        Older
Data Sample umber Older Clients' Number ofwho are of school ageareattendingNumber of Percentage ofdaughters of Secon
 #VALUE! N/A                  0           0 #VALUE!              0 #VALUE!              0 #DIV/0!
         Percentage sons whoClients'schoolNumber of school clients' sons attendingsons attending Secondary school
                      of Older are of sons ofsons of PercentageNumber clients' clients sonsschool but not enrolled
                                Older clients' Older clients' PrimaryOlder Primary Secondary of age
                                             age        Older age of school Older school
Number Older Clients' Number of Percentagewho areattendingsons attendingof Percentage of Older Clients sons of age but
N/A                0          0 #VALUE!              0 #VALUE!             0 #DIV/0!

				
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