Tools & Resources

Tools & Resources

Client Protection and Ethics Codes: Examples for Getting Started

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A number of organizations have already adopted either client protection or ethics codes and charters. Following are links to some organizations who have shared their internal codes with the Campaign.

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Loan Agreement for Small Business Clients (JSC MFO Crystal)

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JSC Microfinance Organization Crystal, Georgia shared its plain language loan contract with The Smart Campaign.  This contract is used with clients seeking small businesses credit. The contract is succinct, written in plain language, and uses very little jargon.

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Client Education Tools

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This list represents tools and resources that are models of client protection focused client education materials, chosen to help microfinance institutions communicate to their clients about their rights and responsibilities. The resources are from diverse regions and institution types.

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Conducting Client Protection Assessments: A Guide

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This guide describes the different client protection assessment options available to financial institutions, how your institution can benefit from an assessment, walks you through the assessment processes, and explains how to use your assessment once it is complete.

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Banco Solidario: Loan Officer Training Manual

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Banco Solidario shared with the Campaign their Loan Officer Manual, which includes a Code of Ethics for credit staff and procedures for financial and non-financial evaluation. The Code of Ethics gives loan officers full responsibility for client capacity analysis, and the manual guides loan officers thorough the analysis process.

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Essential Documents for New Clients

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The “Essential Documents for New Clients” refers to the set of documents that help new clients understand their full financial obligations, what they can expect from the institution, and what to do if they experience problems along the way.  

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Responsible Pricing: The State of the Practice

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This discussion paper examines the full range of approaches to responsible pricing of loans, from promoting competition, to return on equity limitations, to interest rate caps, to comparative transparency.

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Client Protection and Financial Education Simulation

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With this online tool, you can complete a simulation as if you were managers or loan officers of an MFI. During each simulation, you can see the effects that your decisions have on the success of a fictional microfinance institution.

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Smart Operations

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This tool suggests appropriate roles for 11 of the most common areas of microfinance operations. FIs can use this tool to assign client protection responsibilities to each operational department and to understand how responsibilities are shared among operational departments.

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Microfund for Women: Client Business Evaluation Toolkit

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Microfund for Women shared with the Campaign their toolkit for assessing the repayment capacity of individual borrowers. Consisting of a total of four forms—including the loan application—this toolkit provides credit staff a complete profile of the health of the potential client’s business, and their capacity to take on debt. 

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