Tools & Resources

Tools & Resources

How to Develop an Institutional Code of Ethics

Email Print PDF

Most microfinance institutions already have a Code of Ethics, but many of these Codes are not “living” documents that carry significance within the organization. This short guide provides concrete suggestions for creating or remaking an institutional Code of Ethics. 

Read more »  
 

Smart Lending: Client Protection in the Individual Loan Process

Email Print PDF

This guide is designed to help microfinance institutions with individual lending operations integrate good client protection practices at the intersection points throughout the credit process. At each point in the individual lending process, the guidelines explain how MFI staff should incorporate client protection into policies and operations.

Read more »  
 

Conducting Client Protection Assessments: A Guide

Email Print PDF

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.

Read more »  
 

Avoidance of Over-indebtedness: Guidelines for Financial and Non-financial Evaluation

Email Print PDF

This tool is for financial service providers that want to incorporate good client protection practices into their evaluation processes for individual loan clients. Specifically, the tool provides guidelines for determining a loan applicant’s capacity and willingness to repay a loan.

Read more »  
 

Essential Documents for New Clients

Email Print PDF

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.  

Read more »  
 

Responsible Pricing: The State of the Practice

Email Print PDF

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.

Read more »  
 

Client Protection and Financial Education Simulation

Email Print PDF

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.

Read more »  
 

Smart Operations

Email Print PDF

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.

Read more »  
 

Smart Note: Facing Over-indebtedness at Partner Microcredit Foundation

Email Print PDF

Partner Microcredit Foundation avoids client over-indebtedness by recognizing that a risk for the client is a risk for the institution. 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.

Read more »  
 

Smart Note: Implementing an Industry Code of Conduct at PMN

Email Print PDF

PMN formally launched its Consumer Protection Initiative in January 2009. The initiative centers on improving consumer protection practices through a voluntary Code of Conduct for Consumer Protection and a call center for receiving and responding to client grievances.

Read more »