DATE, PLACE LOGO OF THE ORGANIZATION SPI4 assessment Exit meeting

Assessment process  Describe the objectives of the assessment : why did the MFI decide to conduct an assessment? (you can find examples in the comments below)  Describe the process followed: when did the assessment take place, who was involved, what branches were visited, etc. Present the agenda of the assessment if necessary  You can also briefly present the SPI4 tool (see comments below)

What is Social Performance? The effective translation of an institution’s mission into practice in line with accepted social values that relate to :  Reaching target market  Delivering high-quality and appropriate services  Responding to the needs of clients, their families, and communities  Ensuring responsibility toward its employees, its clients, the community it serves, and the environment SOCIAL PERFORMANCE TASK FORCE Intent Internal systems/activitiesOutputsOutcomes Impact

PESTEL Political Legal Environmental Economic Social Technological

SPI4 U NIVERSAL S TANDARDS G REEN P OVERTY SPI3.3 CPP Core module : SPI4 is fully aligned with the Universal Standards, and the Smart Campaign Client Protection Certification Standards Green microfinance: A set of additional indicators for institutions with an environmental focus Poverty: Additional indicators for institutions whose mission includes the goal of reducing or alleviating poverty SPI3: Additional indicators for users of the previous version of this tool (SPI3) in order to allow comparison with previous results Various reports available based on those different initiatives

Our social mission “ State the institution’ social mission”

Results

Dimension 1 : Define and monitor social goals An institution must have a clear strategy that describes its social goals, how its work contributes to achieving those goals, and how it will measure its actual progress toward those goals. “ Is my institution reaching its target population ? ” “ Are our clients' lives improving ? "

Results of Dimension 1 Summarize the MFI’s activities and efforts to date in addressing the standards in Dimension 1. Start with the positive results, i.e., those standards on which the MFI obtained a (very) good score. Mention special efforts or particular circumstances that explain why the MFI obtained these results and if there are any initiatives pending whose implementation will influence this score in the near future. Identify the possible areas for improvement in this dimension (i.e. practices for which the MFI got a relatively low score)

Dimension 2: Commitment to social goals How does an institution ensure that its board members, management, and all employees are committed to the institution's social goals ? “How can we support and prepare our internal stakeholders in implementing our social goals ? ” “ How can each level of our organization do its part to hold our institution accountable to its mission and help it achieve its goals ? ”

Results of Dimension 2 Summarize the MFI’s activities and efforts to date in addressing the standards in Dimension 2. Start with the positive results, i.e., those standards on which the MFI obtained a (very) good score. Mention special efforts or particular circumstances that explain why the MFI obtained these results and if there are any initiatives pending whose implementation will influence this score in the near future. Identify the possible areas for improvement in this dimension (i.e. practices for which the MFI got a relatively low score)

Dimension 3: Design products that meet clients' needs Outreach to a target a population is not enough; products and services must be adapted to clients' needs if they are going to create benefits for clients. “ How does our institution gather information on clients' needs and preferences, and adapt our products and services accordingly ? ”

Results of Dimension 3 Summarize the MFI’s activities and efforts to date in addressing the 2 standards in Dimension 3. Start with the positive results, i.e., those standards on which the MFI obtained a (very) good score. Mention special efforts or particular circumstances that explain why the MFI obtained these results and if there are any initiatives pending whose implementation will influence this score in the near future. Identify the possible areas for improvement in this dimension (i.e. practices for which the MFI got a relatively low score)

At the minimum, all financial institutions, even those who do not have social goals, have a moral responsibility not to harm clients. Dimension 4: - Treat clients responsibly “ How do we address client over- indebtedness prevention, transparency, fair and respectful treatment of clients, privacy of client data, and mechanisms to resolve client complaints ? ”

Results of Dimension 4 Summarize the MFI’s activities and efforts to date in addressing the standards in Dimension 4. Start with the positive results, i.e., those standards on which the MFI obtained a (very) good score. Mention special efforts or particular circumstances that explain why the MFI obtained these results and if there are any initiatives pending whose implementation will influence this score in the near future. Identify the possible areas for improvement in this dimension (i.e. practices for which the MFI got a relatively low score)

Dimension 5: - Treat employees responsibly Responsible treatment of employees is critical to a successful institution as 1/ the way employees are treated has a huge impact on how those employees treat clients, and 2/ offering employment is an important benefit that an institution brings to its community “ How can our institution create a fair, safe, and supportive working environment, and how can we provide employees with the information they need to succeed in their jobs ? ”

Summarize the MFI’s activities and efforts to date in addressing the standards in Dimension 5. Start with the positive results, i.e., those standards on which the MFI obtained a (very) good score. Mention special efforts or particular circumstances that explain why the MFI obtained these results and if there are any initiatives pending whose implementation will influence this score in the near future. Identify the possible areas for improvement in this dimension (i.e. practices for which the MFI got a relatively low score) Results of Dimension 5

All financial institutions with a double bottom line must seek balanced financial and social performance. Dimension 6: Balance social and financial performance “ Does our decision making around key financial topics maintain a client focus ? ”

Summarize the MFI’s activities and efforts to date in addressing the standards in Dimension 6. Start with the positive results, i.e., those standards on which the MFI obtained a (very) good score. Mention special efforts or particular circumstances that explain why the MFI obtained these results and if there are any initiatives pending whose implementation will influence this score in the near future. Identify the possible areas for improvement in this dimension (i.e. practices for which the MFI got a relatively low score) Results of Dimension 6

Client protection (optional)

Green microfinance (optional) The Green Module was created to allow those MFIs with environmental awareness as part of their mission to evaluate their level of implementation of practices related to the three standards to strong environmental performance

Recommendations

SWOT Analysis STRENGTHS Describe any distinctive competence or special advantage of your institution WEAKNESSES Describe the main negative aspects of the institution. (Ex: Strategy, mission, HR management) OPPORTUNITIES Describe possible opportunities in the future such as new growth target, new clients, changes in the organization, etc. THREATS Describe the possible external threats to your institution (Political, New competitors, financial risk)

How to prioritize recommendations ? Few tips (1/2) List all the areas where improvement is possible, based on level of complexity, ease of measuring the progress, likelihood of success Identify : priorities, quick wins (see slide 24), mid and long-term recommendations Present the burning issues linked to risk management  There may be warning signs from the Organization Information part: High staff turnover, high client drop-out, increasing PAR (or PAR=0 that may reveal a zero tolerance policy), very high staff productivity, very high interest rate or ROE, etc. As client protection is considered as a minimum : identify with the MFI potential areas of improvement in Dimension 4

How to prioritize recommendations ? Few tips (2/2) Weak areas that influence the social mission :  Weaknesses not linked to the MFI mission => No further action immediately needed  Not in the MFI priorities but important for external partners => Discussion may be required Strong areas/ Innovative approaches: Case study to be shared?

Identify quick wins Source: Oikocredit SPM Mentoring Program/A.Simanowitz High value for client or the institution Low value for client or the institution High value/ high effort High value/medium effort High value/easy Medium value/ high effort Medium value/medium effort High value/easy Low value/high effortMedium value/medium effort Medium value/ low effort Low value/high effort Low value/ medium effort Low value/ low effort High level of effort Low level of effort

Action Plan You can share here an action plan for the MFI – if it has already been drafted – so it can be discussed with the management. You can find a template for action plan on the SPI4 wiki page. Click here to download it.here

Next steps Present what should be the next steps for the assessment, this could include:  Finalization of the action plan  Writting of the assessment report  Integrating the recommendations in the MFI strategy/activities  Implementation of the recommendations based on the action plan  Schedule a meeting to monitor the progress of the implementation  Etc.

Name and contact of the auditor