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Statistics or Impact

This article explores the importance of measuring impact for social banking organizations, including how to measure impact, communicate results, and monetize the outcomes. It also highlights the social and economic benefits of impact measurement.

richardfrazier
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Statistics or Impact

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  1. statistics or real impact? Statistics or Impact Peter Surek Head of Social Banking Erste Group Bank

  2. agenda why? what? how? about us 2

  3. why? for ourselves self-control & self-correction on mission achievement for our funders justify support & subsidies for our clients really improving their lives 3

  4. what impact? in mission statements improving lives eradicating poverty rural development in annual / impact reports % of rural clients % of female clients % at risk of poverty clients 4

  5. what beneficiaries? of course clients but also MFI employees government donors / funders society – general public 5

  6. what impact model? staff funds cost investment volunteers’ time … advisory loans provision BDS awareness/marketing … # clients %rural/female #&vol. loans # BDS participants # tranings # overindebted # defaulted Economic: # clients out of poverty (increased income) # client w/ improved living conditions (housing, mobility..) # of jobs created / preserved Social : ^ skills / know-how / education ^social status / social inclusion / integration Psychological / physical: ^motivation / empowerment / self esteem ^health status (better housing / vaccination..) ^life satisfaction / well being • Source: Schober, C./Rauscher O. (2014): „Was ist Impact? Gesellschaftliche Wirkungen von (Nonprofit) Organisationen. Von der Identifikation über die Bewertung bis zu unterschiedlichen Analyseformen.“, Working Paper, NPO&SE Kompetenzzentrum WU Wien

  7. how to measure? incorporate in sales process / loan application - efficient for impact measurement vs. longer application & more time of loan officers - for recurring clients long-term individual measurement without extra research needed - higher theoretical quality of results (client is asked on current status of the indicator not difference with the past) depending on proper training of loan officers • exaple impact study good.bee credit:How did business change being at gbc? • Extracted from applications of clients with multiple loans in period > 1Y 30% 61% 40% Business income increase in avg. Equipment value increase in avg. Live stock value increase in avg. 7

  8. how to measure? special impact research - performed after certain impact development time (min 6-12M) by internal HO staff / external partner (quality assurance + anonymity guarantee) - asking about the change / improvement of the client’s situation as a result of MFI activity (microloan, BDS..) • example impact study good.bee credit:What has changed being financed by gbc? 85% 84% 28% 9% Bought a car Business has grown Improved housing (furniture, heating..) Invested more in education 8

  9. how to communicate? 9

  10. how to communicate? 3. regulatory cost

  11. how to communicate? 3. regulatory cost

  12. how to monetize? • preconditions • Is there an awareness about the social problem you are solving? • Is your impact mission relevant for public sector? • Is your impact transparently measured and proven? • Is your business case at the edge? • possible ways • develop new project with local / central government targeting their goal • measure and prove your impact in low-scale pilot • agree on payment for activity / payment for result scheme for upscaling

  13. about us country position clients austria No 1 3,4m croatia No 3 1.1m czechia No1 5.0m hungary No3 0.9m romania No1 3.0m serbia No10 0.4m slovakia No1 2.4m 15.8mn clients 46,500 employees 2,735 branches EUR 968mn net profit 2015 EUR 199.7bn total assets EUR 14.8bn total equity 12.3% core tier 1 ratio (Basel 3; phased-in)

  14. Erste Social Banking supports creation of new jobs via starting entrepreneurs

  15. programs for starting entrepreneurs 1000+ € 12M 2,000+ clients start-up loans jobs created

  16. microfinancingfor rural farmers 9.000 € 65M 80 microcredits disbursed volume employees

  17. fosters development of social organizations

  18. programs for social organizations 250 € 25M 500+ financed organizations loans staff benefited via capacity building

  19. improves financial stability for low-income people for low income people

  20. Program for financial inclusion Roma houses Debt advisory financial education individual debt advisory for clients in difficult social circumstances combining financial education, saving and a loan for housing financial education for low income / over-indebted clients

  21. plan till 2019 5,000 500 25,000 jobs created financed social organizations low income people with improved financial stability

  22. keep fingers crossed! https://www.erstegroup.com/en/about-us/social-banking

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