1. Measuring and Reporting Client Outcomes: Women’s Empowerment 1 2015 Social Performance Task Force Annual Meeting

2. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Agenda  Introductions  Women’s World Banking Approach to Women’s Empowerment  Selecting & Using Indicators  Gender Performance Initiative  Client Outcomes Survey  Group Brainstorm  Break-Out Groups: Indicator Feasibility  Discussion & Next Steps 2

3. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter MATERIAL CHANGE: Income Resources Basic needs Earning capacity COGNITIVE CHANGE Knowledge Skills Awareness PERCEPTUAL CHANGE: Self-esteem Self-confidence Vision of future Visibility and respect RELATIONAL CHANGE: Decision- making Bargaining power Participation Self-reliance Organization al strength Women’s World Banking Approach to Women’s Empowerment 3 Martha A. Chen’s Empowerment Framework

4. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter MATERIAL CHANGE: Income Resources Basic needs Earning capacity COGNITIVE CHANGE Knowledge Skills Awareness PERCEPTUAL CHANGE: Self-esteem Self-confidence Vision of future Visibility and respect RELATIONAL CHANGE: Decision- making Bargaining power Participation Self-reliance Organization al strength Marty Chen’s Empowerment and Jo Rowlands’ Power Relations Frameworks 4 Power over: changes in power relations within households, communities and at macro-level Power to: increase in skills, abilities including earning an income, access to markets and networks Power from within: individual changes in confidence and consciousness Power with: organisation of the powerless to enhance individual abilities and\or ability to challenge and change power relations

5. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Definition of Empowerment – Naila Kabeer Empowerment is defined as ‘the process by which women take control and ownership of their lives through expansion of their choices. Thus, it is the process of acquiring the ability to make strategic life choices in a context where this ability has previously been denied’. According to Kabeer, changes in the ability to exercise choice can be thought of in terms of changes in three inter-related dimensions which make up choice: resources which form the conditions under which choices are made; agency which is at the heart of the process by which choices are made; and achievements, which are the outcomes of choices. 5

6. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Definition of Empowerment - ICRW A woman is economically empowered when she has both the ability to succeed and advance economically and the power to make and act on economic decisions. To succeed and advance economically, women need the skills and resources to compete in markets, as well as fair and equal access to economic institutions. To have the power and agency to benefit from economic activities, women need to have the ability to make and act on decisions and control resources and profits. 6

7. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter MATERIAL CHANGE: Income Resources Basic needs Earning capacity COGNITIVE CHANGE Knowledge Skills Awareness PERCEPTUAL CHANGE: Self-esteem Self-confidence Vision of future Visibility and respect RELATIONAL CHANGE: Decision- making Bargaining power Participatio n Self-reliance Organizatio nal strength Women’s Empowerment Framework 7

8. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Women’s World Banking Experience: Selecting & Using Indicators  Gender Performance Initiative (GPI)  Nigeria Client Outcomes Survey 8

9. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter What is Gender Performance? With 79.6% of MFIs* claiming to target women, and over half declaring women’s empowerment or gender equality as an objective:  How can we hold ourselves accountable to the financial inclusion and empowerment principles we advocate?  How can we understand if financial institutions are serving women well? Current gender indicators only tell part of the story… 9 * MIX FY2013 data

10. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Gender Performance Initiative 10 Develop Hypotheses Identify Key Indicators Conduct Pilots Analyze Data Finalize GPI Framework Develop “Select Few” Indicators The Gender Performance Initiative aims to develop, monitor, and analyze more and better gender-based social and financial performance indicators in order to better understand how to serve women. Why measure Gender Performance Indicators?  Measure if we are meeting our mission/strategic goals  Understand differences between men and women clients  Inform design and delivery of products based on women’s needs.  Determine drivers of risk and profitability, and make the business case for serving women.

11. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Outreach Product Design & Diversity Service Quality Client Protection Outreach Product Design & Diversity Service Quality Client Protection Gender Performance Indicator Classification 11 Board/Staff Diversity Promotion & Retention Board/Staff Diversity Promotion & Retention Financial Outcomes Social Outcomes Financial Outcomes Social Outcomes Client Institution Outcomes

12. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Outcome Indicators Economic Improvement  Average percent change in net business income or assets and/or average percent change in household income or assets, by gender Self-Determination  Percent of women who use their loan for their own economic activity Family Well-Being  Percent of women clients with school-aged children in school  Percent women clients that show improvement in housing conditions 12 Social Outcomes At Ujjivan, analyzing loan usage by cycle showed that over time women clients shifted loan usage from business to family: housing and education were the most important priorities.

13. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Nigeria Client Outcomes Survey Quantitative survey to evaluate client behavior and outcomes, including:  Previous access to financial services  Savings behavior and goals  Business activity and use of credit  Control over product use  Household outcomes  Housing conditions  Children’s education  Health and nutrition 13 Sample size 1,125 (95% significance level)  75 clients per location  15 locations (of 100 activated branches)  50% Female/50% Male  Random selection  Excludes clients with 0 transactions in last 6 months

14. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter MATERIAL CHANGE: Income Resources Basic needs Earning capacity COGNITIVE CHANGE Knowledge Skills Awareness PERCEPTUAL CHANGE: Self-esteem Self-confidence Vision of future Visibility and respect RELATIONAL CHANGE: Decision- making Bargaining power Participatio n Self-reliance Organizatio nal strength Women’s Empowerment Framework 14

15. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter DimensionCategorySample Indicators Material Change Economic Improvement Change in women’s business income/assets Change in women’s household income/assets/expenditures % women below a defined poverty threshold Family Well-Being % women with school-aged children in school % women who experience improvements in housing conditions (own vs. rent, flooring/roofing material) % women who experience improvements in health/sanitation (ability to pay for medical treatment/medicine, main source of drinking water, type of toilet) Cognitive Change Education% women who attend financial education programs Perceptual Change Giving Feedback % women with inquiries or complaints Vision of Future% women with a savings goal Role Models % women staff/management Women staff promotion rates Relational Change Self- Determination % women who use their loan for their own economic activity Household Decision- Making % women who participate in household purchase decisions % women who participate in decisions around financial transactions (savings account deposits/withdrawals) % women who felt they needed their husband’s permission to take a loan Community Participation % women who voted in most recent elections 15

16. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Brainstorm  How do you define empowerment?  Are there elements of empowerment that are not represented here?  How can these be measured? 16

17. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Break-Out Groups: Indicator Feasibility  Participants will break into 4 groups, with each assigned to one dimension of empowerment.  Each group will discuss the list of indicators in that dimension:  Have you used any variations of these indicators? What has been your experience?  Is it possible to collect the data with accuracy?  What are the best ways to collect this data (routine data collection, occasional surveys, external studies)?  Each group will rank each indicator on a scale from 1 to 5 in several areas:  Feasibility of collecting the data  Usefulness for decision-making  Ability to assess women’s empowerment  Proven credibility (tested and ready for industry use) 17

18. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Discussion & Next Steps  Developing a Theory of Change  Using/Testing the Indicators  Sharing Learnings 18

19. Use of Shapes  If filled in color, shapes must NOT: ▫Have an outline ▫Be embossed ▫Have a shadow  If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter Use of Smart Art  Many SmartArt options use rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges  Powerpoint does not allow you to change the bullet style of Use of Tables  Create a table as you normally would. Use only the Light table styles for any stylization. Use of Charts  Create a graph as you normally would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).  Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter Empowerment Framework MATERIAL CHANGE: Income: increased income and income security Resources: increased access to, control over, and ownership of assets and income Basic needs: increased or health care, child care, nutrition, education, housing, water supply, sanitation and energy source Earning capacity: increased employment opportunities plus ability to take advantage of these opportunities PERCEPTUAL CHANGE: Self-esteem: enhanced perception of own individuality, interest and value Self-confidence: enhanced perception of own ability and capacities Vision of future: increased ability to think ahead and plan for the future Visibility and respect: increased recognition and respect RELATIONAL CHANGE: Decision-making: increased role in decision-making within the household and community Bargaining power: increased bargaining power Participation: increased participation in non-family groups, in local institutions, in local government, in political process Self-reliance: reduced dependence on intermediation by others for access to resources, markets, public institutions plus increased ability and ability to act independently Organizational strength: increased strength of local organizations and local leadership 19