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  • Note of Smart Campaign Workshop

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    Chamnan Chuk
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    This document outlines several principles for microfinance institutions to follow: 1. Prevent over-indebtedness of clients by properly assessing their repayment capacity through multiple information sources and cash flow analysis. 2. Ensure transparency by clearly explaining repayment schedules and terms to clients. 3. Engage in appropriate practices like getting client permission before selling collateral, and avoid inappropriate practices like pressuring clients to get additional loans they cannot repay. 4. Train staff on ethical behavior through codes of conduct and role playing exercises to ensure they respect client privacy and follow proper disciplinary procedures.

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    This document outlines several principles for microfinance institutions to follow: 1. Prevent over-indebtedness of clients by properly assessing their repayment capacity through multiple information sources and cash flow analysis. 2. Ensure transparency by clearly explaining repayment schedules and terms to clients. 3. Engage in appropriate practices like getting client permission before selling collateral, and avoid inappropriate practices like pressuring clients to get additional loans they cannot repay. 4. Train staff on ethical behavior through codes of conduct and role playing exercises to ensure they respect client privacy and follow proper disciplinary procedures.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    2 views21 pages

    Note of Smart Campaign Workshop

    Uploaded by

    Chamnan Chuk
    This document outlines several principles for microfinance institutions to follow: 1. Prevent over-indebtedness of clients by properly assessing their repayment capacity through multiple information sources and cash flow analysis. 2. Ensure transparency by clearly explaining repayment schedules and terms to clients. 3. Engage in appropriate practices like getting client permission before selling collateral, and avoid inappropriate practices like pressuring clients to get additional loans they cannot repay. 4. Train staff on ethical behavior through codes of conduct and role playing exercises to ensure they respect client privacy and follow proper disciplinary procedures.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 21

    Principle 1

    Preventing Over-Debtedness
    Challenges

    1. Staff t asess
    2. Professional staff to assess client capacity
    3.
    solution
    1. Multiple information sources
    4. Increase value and loyalty
    Build community
    Incentives
    Eaducation
    Better service
    More service
    Strengths

    • Repayment
    • Clients assessment
    • Delinquency management
    • Clients default survey
    • Field visit life management
    • Incentive system
    Repayment evalution
    • Income sources
    • Education and experience
    • Expenses
    • Debt from other sources
    • Working $
    • Business status
    • Risk
    • Cash flow analysis
    Principle 2

    Transparency
    Challenges
    Solutions
    • Vital explanation
    • Repayment schedule
    • Extra Orientation
    • Use dift staff
    • Loan quality check
    Principle 3 (A)

    Inappropriate
    • Ask client to get loan from other MFIs
    • Killing snake with the blood
    • Selling client house
    Competitive
    • Do your clients think you are competitive ?
    • Interest rate
    • Mystery snopping
    • Network as a source if information of MFI, Mix
    Market
    • Communicating value to clients
    Principle 3 (B)

    Appropriate
    • Asking clients in advance for selling collateral
    • Sit down approach
    • Local authority
    • Group members
    Principle 4

    Ethnic Staff Behavior


    Strengths
    • Disciplinary code
    - Prohibitions
    - Punishment
    • Code of Ethnics + Positive behavior + Core
    value
    Challengs
    • Staff know the values
    Solutions
    • Role play to train the clients
    • Refresher trainings
    Principle 6

    Privacy of Client Data


    Chellenges
    • No consent
    Solution
    • Use exiting documents
    Role play
    • Why client complain ?
    - Our service will be improved.( Service)
    - Our institution can provide the technical
    assistant ( agriculture, others).

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