Partner Microcredit Foundation in Bosnia and Herzegovina has developed a strategy for avoiding over-indebtedness by recognizing that a risk for the client is a risk for the institution.
To mitigate these risks, Partner performs rigorous credit analysis of its clients before issuing a loan and follows up with audits to verify proper staff behavior and discover why clients are not able to meet their obligations. Proactive measures like financial-literacy programs and client-loyalty efforts complement analysis and audits to create a robust system to avoid client over-indebtedness.
