inter aide Microfinance that makes a difference for the poor International Microfinance Workshop Mumbai & Pune (India) December 7-15, 2006 January 2007 – page 1 Microfinance Workshop – India December 2006 Pratiques Network - http://www.interaide.org/pratiques/microfinance inter aide Microfinance that makes a difference for the poor Contents Contents .................................................................................................................................................. 2 Introduction (Franck Renaudin):.............................................................................................................. 4 A few words on the Halifax Microcredit Summit (Stéphane Buthaud) .................................................... 5 Introduction to Social Performance (Ben Quinones)............................................................................... 6 Auditing the social performance of Microfinance institutions: testing the Cerise “SP Questionnaire for microfinance institutions”......................................................................................................................... 7 Analyzing the questionnaire ................................................................................................................ 8 Assessing the global peformance of an MFI (Stéphane Buthaud)...................................................... 9 Suggested shortlist of indicators for social reporting by MFIs............................................................. 9 Presentation of Uplift India’s poverty assessment tool (Delphine Chouvet) ....................................... 9 Presentation of ID- Haiti Poverty Assessment Tool (Gilles Baube) .................................................. 13 Presentation of CEFOR’s poverty assessement tool (Guillaume Lacondemine).............................. 14 U-Impact software presentation, FX Hay (Pune)............................................................................... 16 A word of conclusion by Franck Renaudin:....................................................................................... 17 7 recommendations to establish a Poverty Assessment Tool (PAT) ................................................ 17 Social Performance Management: a practical road map (LB Prakash)............................................. 18 Growth, outreach and strategic planning............................................................................................... 23 Presentation of SKS Microfinance (Deepak and Rashmi) ................................................................ 23 Presentation of Swadhaar (Director) ................................................................................................. 26 Strategic planning (Sonmath Sen) .................................................................................................... 26 Micro-insurance: Uplift Health experience in Pune ............................................................................... 30 Uplift Health Story.............................................................................................................................. 30 Annapurna Health Mutual Fund ........................................................................................................ 30 Parvati Health Mutual Fund............................................................................................................... 32 Micro Insurance and Risk Management - Experience Output from HMF programme in UpLift India Association (FX Hay)......................................................................................................................... 34 Non financial services (Judith Kerner, Batik)......................................................................................... 40 Indebtedness (Marc Roesh) .............................................................................................................. 53 Capitalizing our experiences and sharing best practices...................................................................... 53 A few words on Pratiques Network (Anne Carpentier)...................................................................... 53 New Microfinance website presentation (Michael Kazmierzak)........................................................ 54 Proposition for a common framework (Hélène Keraudren)............................................................... 54 Commitments ........................................................................................................................................ 56 Disha Kendra (Inter Aide’s partner)................................................................................................... 56 Disha Bajaj (Inter Aide’s partner) ...................................................................................................... 56 Parvati (Inter Aide’s partner).............................................................................................................. 56 Annapurna (Inter Aide’s partner) ....................................................................................................... 56 Swabhimaan (Inter Aide’s partner).................................................................................................... 57 CEFOR (Inter Aide’s partner) ............................................................................................................ 57 Uplift (Inter Aide’s and Edm’s partner) .............................................................................................. 57 Kolkatta programme (Edm’s partner) ................................................................................................ 57 Total (Myanmar) - Edm’s partner ...................................................................................................... 58 Chamroeun (Cambodia) - Edm’s partner .......................................................................................... 58 Binh Minh (Vietnam) Edm’s partner .................................................................................................. 58 Seed (Philippines) - Edm’s partner.................................................................................................... 58 ID Bénin............................................................................................................................................. 58 ID Ghana ........................................................................................................................................... 59 ID Port-au-Prince (Haïti).................................................................................................................... 59 Entrepreneurs du Monde (EdM)........................................................................................................ 59 Asie-Tana economic sector (Inter Aide) ............................................................................................ 60 January 2007 – page 2 Microfinance Workshop – India December 2006 Pratiques Network - http://www.interaide.org/pratiques/microfinance inter aide Microfinance that makes a difference for the poor Appendixes :.......................................................................................................................................... 61 Appendix 1 : analyzing Cerise SPI questionnaire (Pune, Dec.11, 2006).......................................... 61 Appendix 2 : Suggested ‘Short’ List of Indicators for Social Reporting by MFIs ............................... 61 Appendix 3: Pune Poverty Assessment Tool .................................................................................... 61 Appendix 4: ID-Haïti Poverty Assessment Tool ................................................................................ 61 Appendix 5: Cefor Poverty Assessment Tool.................................................................................... 61 Appendix 6: The 19 steps in Strategic Business Planning (Sonmath Sen) ...................................... 61 Appendix 7 : Premium calculation excel sheet in appendix 7 .......................................................... 61 Appendix 8 : 4 Batik services: trade fairs, express-training in basic management skills, social guides for loan officers, business diagnosis. ................................................................................................ 61 Partners ................................................................................................................................................. 62 January 2007 – page 3 Microfinance Workshop – India December 2006 Pratiques Network - http://www.interaide.org/pratiques/microfinance inter aide Microfinance that makes a difference for the poor Introduction (Franck Renaudin): Monday 11th, December 2006 Welcome to all of you, participants to the third edition of our international microfinance workshop. It is a pleasure to welcome you all, and a pleasure to share some time with so many people coming from many different countries. For most of the persons here today, this is your first time in India. For some of you, it’s even the first time out of your country. It is an opportunity to exchange with many different persons and to show your capability to adapt yourself to a different culture. Of course, we will first of all start by introducing each other, then we want to thank the people who organized this workshop. We sometime hardly guess the huge work that has to be done to organize so many visits in so many places with so many undisciplined people!