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The Smart Campaign…

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  1. SPM Essentials:Treat Clients Responsibly (Smart Campaign Client Protection Principles)www.smartcampaign.org

  2. The Smart Campaign… • …represents a global, industry-wide effort: 2,690+ endorsers from over 130 countries • …has an international steering committee • …collaborateswith the Social Performance Task Force (SPTF), MIX Market Social Reporting, MF Rating Agencies, MFTransparency, and many others • …is housed at the Center for Financial Inclusion at ACCION International

  3. 1. Appropriate product design and delivery 2. Prevention of over-indebtedness 3. Transparency 4. Responsible pricing 5. Fair and respectful treatment of clients 6. Privacy of client data 7. Mechanisms for complaint resolution Client Protection Principles

  4. Background Developed by a task force of experts from various stakeholder groups. Will enable financial institutions worldwide to demonstrate their adherence to the Campaign's core CPPs, verified by third parties Connection to Universal Standards for SPM Practices that are part of Smart Campaign’s certification program are included in the Universal Standards for SP Management. Examples CPP1: Acceptable variety of loan products, designed to match the needs of the main business and family needs of the target population. The repayment schedule (grace period, repayment frequency and term) is tailored to the business activity and household cash flow. The loan size matches the target clients' main financial needs. Prepayment is allowed and it is not subject to excessive penalties or unjustified interest charges after a minimum period. Certification on Client Protection Principles

  5. Questions? Comments? Thank you! Endorse the Smart Campaign. Visit www.smartcampaign.org Sign up to receive news and information. What’s next? Download the Getting Started Questionnaire and conduct a client protection self-assessment. Email us! comments@smartcampaign.org