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Pursuing Financial and Social Goals

Pursuing Financial and Social Goals. Initial findings on trade-offs and synergies for the SPTF. Expected trade-offs and synergies. Regression Analysis for each FP Controls: age, loan size as % of GNIPC, MFI size, deposit mobilization, lending methodology, % urban borrowers.

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Pursuing Financial and Social Goals

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  1. Pursuing Financial and Social Goals Initial findings on trade-offs and synergies for the SPTF

  2. Expected trade-offs and synergies • Regression Analysis for each FP • Controls: age, loan size as % of GNIPC, MFI size, deposit mobilization, lending methodology, % urban borrowers.

  3. Productivity:Borrowers per Staff Human resource policies: clear salary scale based upon market salaries, medical insurance for all staff, pension contribution, practices and procedures which ensure safety of the staff, equal pay for men and women with equivalent skill levels, staff participation in decisions that affect them, anti discrimination policies, and anti harassment policy

  4. Portfolio quality:Portfolio at Risk over 30 Days as % of Loan Portfolio Policies safeguarding data: written policy and procedures regarding treatment of client personal data in place, internal audit reviews security of locations and electronic systems where client data is stored, the IT system is secure and password protected, staff explains to clients how their data will be used, client consents is require prior to sharing data outside the institution, client say review and correct their information, clients are instructed on how to safeguard access codes and PIN numbers.

  5. Efficiency:Operating Expense % Loan Portfolio 1/ Similar effect for “loan officer incentives related with SP”.

  6. Efficiency:Cost per Borrower % GNIPC

  7. Summary of Results

  8. Final Comments: • Amount of information collected is impressive! • We are discovering the tip of the iceberg • Results relevant for investors, MFIs, policy makers • Quality of data can be improved through external audits • In order to quantify better SP vs. FP trade-offs and synergies • Larger samples required: •  Test did not find actual results • non-financial services vs. efficiency  ?? • consumer protection vs. portfolio quality  ?? • Increase depth of information about certain areas? • non-financial services, incentives, training of staff on SP, CPP • Quantity, frequency of services, time/resources allocated. •  Challenge is depth vs. spread of information collected

  9. Additional Resources: • “Microfinance Synergies and Trade-offs” (2010), MIX data Brief No. 6, forthcoming. • http://www.themix.org/publications/search/results/taxonomy%3A17 • agonzalez@themix.org for preliminary draft. • http://www.spblog.org/ • For updated on research • “MIX Research Agenda: Linkages between Social Performance and Financial Performance” • http://www.spblog.org/2010/03/mix-research-agenda-linkages-between-social-performance-and-financial-performance.html

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