1. Changing Lives Changing Lives … Empowering People

2. Changing Lives …

4. Nice Stories! Nice Pictures! Interesting Assumptions! ……… Is it true? Did Reliance Change Lives? Of course! How do we know? How can we prove it?

5. Changing Lives … OUR AIM is to provide SUPPORT: Define Changing Lives Formulate objectives, targets Measure Transparent Reporting

6. Changing Lives … Board and Management MIS Capacity internal / external Products & Services Reporting Standards NovFeb

7. SustainabilityManagementSystem SustainabilityGovernance Products and ServicesPortfolio ExternalReporting Capacity Building forSustainability

8. SustainabilityGovernance 1. The MFI has formulated a Vision / Mission statement 2. Social impact is being addressed 3. Environmental impact is being addressed

9. SustainabilityManagementSystem 4. A Loan / Client Tracking system is in place, 5. With basic impact indicators on client level 6. Capable of indicating change

10. Capacity Building forSustainability 7. Relevant Social / Environmental initiatives are being recognized by the MFI because of - Training / awareness raising - Existing skills / experience 8. Clients awareness is being raised

11. Products and ServicesPortfolio 9. Specific products/services for targeting clients with positive social a/o environmental impact are in place

12. ExternalReporting 10. The MFI publishes an annual report incl. reference to Social and Environmental issues

13. SustainabilityManagementSystem SustainabilityGovernance Products and ServicesPortfolio ExternalReporting Capacity Building forSustainability

14. Field example Mekong fishermen: Acleda Bank grants loans only if nets leave young fish alive Reporting created more awareness. Now part of lending criteria

15. Field example Indian brass sellers: prefer to take children along in stead of sending them to school Can the MFI support these clients by raising awareness ?

16. Field example Peruvian glass cutter: workshop in his living room How do loan officers know what are unsafe working conditions?

17. Field example Tanzanian charcoal burners: Roam for wood, burn charcoal unclean and it is used inefficient Example that initiated the discussion on environmental lending criteria