CASHPOR Micro Credit Social Performance and Impact Theme 2 - We target the poorest people within these areas, and work exclusively with them. 1

We work with the poorest communities and are committed to serving them RuralUrbanTotal Number of branches 191 (71%) 78 (29%) 269 Number of ALC (‘000s) 278 (67%) 139 (33%) 417 Amount outstanding (Rs Mn) 1751 (65%) 923 (35%) % of CASHPOR branches are in rural areas. 67% of total ALC are in rural areas and account for 65% of GLP. 2 Overall, around 75% of ALC belong to SC / ST category. Source: M-CRIL Social Rating Report 2005

…and, ensure that we target the poorest through various checks CASHPOR HOUSING INDEX Height and material of walls and material of roof. households owning a motor vehicle or a house with brick walls and concrete roof are usually excluded. Those living in dilapidated housing (where they score 3 or less on CHI) are given priority. Income and asset interview is conducted as a second step for those who qualify in the CHI. Dual Checks on Poverty Status Poverty status of clients ascertained by BM during GRT Poverty status of 20 % of clients of each field officer verified by Internal audit department. Poverty Audits Actively measures poverty status of clients through external and partnered studies ( ABN AMRO 2004, RBS 2008) Social ratings by MCRIL - 68% of CASHPOR clients live on less than 1$ a day, compared to 35% of 20 other MFIs in India (M-CRIL Social Rating, 2005) 3