BUKIDNON COOPERATIVE BANK ACTION PLAN

1. BUKIDNON COOPERATIVE BANKACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Personal Digital Assistant (PDA) system Improve MF organizational structure for better operation Introduce new techniques to improve client retention

2. BUKIDNON COOPERATIVE BANKACTION PLAN 2. Problems and Constraints You Expect To Encounter Acceptance and availability of funds for PDA Acceptance of management to improve structure

3. BUKIDNON COOPERATIVE BANKACTION PLAN 3. Support Needed From Management Funds and budget for training Approval for PDA system

4. COOPERATIVE BANK OF MISAMIS ORIENTALACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Incorporation of Personal Digital Assistant (PDA)in Microbanker Strengthening of client’s selection by AO’s Intensify collection of delinquent accounts Incentive Scheme for performing AO’s

5. COOPERATIVE BANK OF MISAMIS ORIENTALACTION PLAN 2. Problems and Constraints You Expect To Encounter Management may not appreciate importance of PDA Management may not consider incentive scheme as practical Management may treat training/workshops as expense rather than investment

6. COOPERATIVE BANK OF MISAMIS ORIENTALACTION PLAN 3. Support Needed From Management Allocate funds for PDA and training Logistical support to follow-up past due accounts ( use of vehicles) Compare compensation with other banks in the area

7. Green Bank of CaragaACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Personal Digital Assistant (PDA)system Review incentive scheme Finalize product manual Re-echo Supervisors’ Forum to all GBC MF supervisors and AO’s to improve MF operation

8. Green Bank of CaragaACTION PLAN 2. Problems and Constraints You Expect To Encounter Financial Support MIS capability to design PDA collection system

9. Green Bank of CaragaACTION PLAN 3. Support Needed From Management Financial support HRD assistance

10. RURAL BANK OF CANTILANACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Personal Digital Assistant (PDA)system Model AO for the month, quarter/ and year Revision and access of product manual Schedule of MFU meetings (monthly and quarterly) Prior approval by supervisors on penalties imposed on delinquent accounts

11. RURAL BANK OF CANTILANACTION PLAN 2. Problems and Constraints You Expect To Encounter Availability of PDA programmer to maintain the PDA system Selection of model AO may encourage “tapal” system, or may create “gap” among AO’s

12. RURAL BANK OF CANTILANACTION PLAN 3. Support Needed From Management Acquisition of equipments to improve delivery of MF products (typewriters, PDA, motorcycles)

13. RURAL BANK OF DIPOLOGACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Replicate MF product to other branches Improve the CI/BI process

14. RURAL BANK OF DIPOLOGACTION PLAN 2. Problems and Constraints You Expect To Encounter Training of new account officers Refresher seminar for existing account officers

15. RURAL BANK OF DIPOLOGACTION PLAN 3. Support Needed From Management Approval to replicate MF program to other branches

16. RURAL BANK OF KAPATAGAN VALLEYACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Personal Digital Assistant (PDA) system Controllable measures in client selection and CI/BI Delinquent accounts must be handled by one AO

17. RURAL BANK OF KAPATAGAN VALLEYACTION PLAN 2. Problems and Constraints You Expect To Encounter Technical skills on PDA collection system An improved CI/BI may entail more time to complete

18. RURAL BANK OF KAPATAGAN VALLEYACTION PLAN 3. Support Needed From Management Management support

19. RURAL BANK OF TALISAYANACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Personal Digital Assistant (PDA) system Retention of10% of loan amount as savings New CI/BI strategy for new applicants Conduct clients’ forum per area Emphasis (no bribery; complaints to supervisor) during client orientation Training for crecom on credit decision

20. RURAL BANK OF TALISAYANACTION PLAN 2. Problems and Constraints You Expect To Encounter More time for programmer to develop PDA Client’s hesitation to attend forum

21. RURAL BANK OF TALISAYANACTION PLAN 3. Support Needed From Management Approval of PDA system Management’s invitation for clients to attend forum Free snacks for clients attending forum

22. SIAM BANKACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Personal Digital Assistant (PDA) system Loan increase is proportionate to savings Demand letters for delinquent government employees Validate results of bank-wide TNA with our bank

23. SIAM BANKACTION PLAN 2. Problems and Constraints You Expect To Encounter Additional workload in sending demand letters and convincing AO’s of its effectiveness as collection tool Resistance from clients of additional compulsory savings Learning course for PDA

24. SIAM BANKACTION PLAN 3. Support Needed From Management Budget for PDA system if benefit is greater than cost Full support from managers and supervisors on revisions of product manual Training program for supervisors and AO’s based on TNA results

25. CENTURY RURAL BANKACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Personal Digital Assistant (PDA) system Pressure of Product Manager Hire new AO’s Creation of Junior Credit Committee

26. CENTURY RURAL BANKACTION PLAN 2. Problems and Constraints You Expect To Encounter Lack of experienced AO for PDA system PDA may be an expensive system

27. CENTURY RURAL BANKACTION PLAN 3. Support Needed From Management Funding for hiring of new AO’s and purchase and development of PDA

28. NETWORK RURAL BANKING GROUPACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Personal Digital Assistant (PDA) system Refresher courses on delinquency management and marketing of MF products and services

29. NETWORK RURAL BANKING GROUPACTION PLAN 2. Problems and Constraints You Expect To Encounter Cost of PDA MIS program

30. NETWORK RURAL BANKING GROUPACTION PLAN 3. Support Needed From Management Approval to implement PDA system Budget approval for refresher courses

31. RURAL BANK OF LEBAKACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Personal Digital Assistant (PDA) system Strategy to increase outreach

32. RURAL BANK OF LEBAKACTION PLAN 2. Problems and Constraints You Expect To Encounter Design PDA program custom built for bank needs Increased outreach may lead to higher delinquency (lesser time to cover more borrowers)

33. RURAL BANK OF LEBAKACTION PLAN 3. Support Needed From Management Management implementation of the PDA system

34. RURAL BANK OF MONTEVISTAACTION PLAN 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months Personal Digital Assistant (PDA) system Documentation of deviations and amendments for standardization Improve CI/BI and client selection processes Address operational issues to improve profitability and sustainability

35. RURAL BANK OF MONTEVISTAACTION PLAN 2. Problems and Constraints You Expect To Encounter Support of officers involved in the implementation Designation/hiring of training officer to handle all MFU training

36. RURAL BANK OF MONTEVISTAACTION PLAN 3. Support Needed From Management Formulation of training modules Allocation of funds for training and MF product enhancement