1. Beirut - May 2009 The Human Impact: Measuring Changes in Client’s lives Barbara Marcussen Microfinance Officer Sanabel 6 th Annual Conference OIKOCREDIT

2. OIKOCREDIT PROFILE International development finance institution since 1975 Over 30 yrs in development financing: MF, other sectors Active in 68 countries Leading privately funded, not donor funded Supported by over 33,000 socially responsible investors and 600 institutional members TOTAL MEMBER CAPITAL OUTSTANDING: € 365 million (as of Dec08)

3. OIKOCREDIT : A SOCIAL INVESTOR Recognized as socially responsible by well- respected screening agency, Ethibel Open and transparent communication with partners Client Protection Rights Values based on integrity and sharing Dual returns for investors: High social return / Modest financial return

4. FINANCING CRITERIA Served the broad range of institutions (small, young, mature to large MFIs) Largest number of partners worldwide (480 MFIs) Benefit income generating activities of disadvantaged entrepreneurs Positive contribution to social and economic development Women’s participation

5. SOCIAL PERFORMANCE MANAGEMENT Focus : Our Partners Purpose: Challenge our partners to be accountable to their social goals and objectives, thus challenging Oikocredit Dual Strategy 1) Internal: - SPM Information System - Capacity building 2) External: - Technical Assistance to Partners - Networking within the Industry

6. SP- Internal management: A. Information system  Development of a database with social indicators - Target groups - Scope of activities - Geographical outreach - Policies and tools used to monitor social performance

7. Grameen Foundation: => Progress our of Poverty Index (PPI) Piloting countries: Peru & Philippines -Developed a core of trainers jn PPI tool, -Developed data capture systems - MFIs and cooperatives introduced to PPI use - Establishing learning networks for PPI practitioners at country and intercontinental levels. SP- Internal Management: B. Capacity Building

8. SP- Internal Management: B. Capacity Building CERISE: => Social Performance Indicator (SPI) tool 2008: - Piloting phase: 25 projects in Central America, South America and the Caribbean region 2009: - Capacity building of staff in the use of SPI - CERISE’s feedback on results as SPI is applied to other partners

9. SP- External relations A. Technical Assistance Besides PPI and SPI, promotion of other SP tools: -Supported 5 Social Ratings for partners in Peru - Impact Assessment Studies & Technical assistance - The Philippines with MFI PFALSI (completed) - Côte d’Ivoire with market cooperative, Cocovico in progress) - Consultancies; training seminars and information on systems (MIS, accounting, etc) - Introduction of SROI (Social return on Investment) to partners in the Philippines, Indonesia and Cambodia

10. SP- External relations B. Networking ILO : Research on Microfinance for Decent Work: 15 MFIs, Oikocredit’s partners are participating as case studies (from MENA, Asia, Central Asia, Latin America) Participation in road show promoting SP organized by MFC in Central Asia CERISE: developing Social Audit tool for Social Investor Comprehensive and systematic social audit of Oikocredit (pilot)

11. SP- External relations B. Networking Development of social performance awareness: - Dutch Platform for Microfinance - European Platform for Microfinance - Social Investor’s subcommittee of the Social Performance Task Force -Global campaign for the Promotion and Protection of client’s rights.

12. Thank you for your attention!