Improved socio-economic services for a more social microfinance

1. Improved socio-economic services for a more social microfinance

2. Anh Chi Em Microfinance ProgramBrothers and Sisters Microfinance Program Manila, October 2013

4. MANAGEMENT TEAM Anh Chi Em Microfinance Program Brothers and Sisters Microfinance Program WHO WE ARE

5. Anh Chi Em Microfinance Program Team Anh Chi Em Microfinance Program Brothers and Sisters Microfinance Program WHO WE ARE

6. Program Manager Internal Auditor Operations Manager Encoder Financial Manager Branch Manager Socio-Eco Manager Branch Manager Administrator Socio-economic team 3 Agriculture workers 2 Social Workers 8 CCO in ĐiệnBiên Branch 6 CCO in MườngẢng Branch ACE Organization Chart

7. Anh Chi Em Microfinance Program Mission Statement: To help poor households in remote areas reduce their vulnerability and achieve better living conditions through the provision of financial and capacity building services. TARGET GROUP is poor household including ethic minority and woman in remote area  AIM to reduce vulnerability and improve their better living conditions   PRODUCT & SERVICES : Microfinance product and capacity building services

8. ACE FINANCIAL PRODUCTS  2 LOAN PRODUCTS: DEGRESSIVE AND BULLET  2 SAVINGS : COMPULSORY AND VOLUNTEER

9. ACE FINANCIAL SERVICES  Partner demand oriented  Moral guarantee by guarantor  Responsible pricing Proximity 

10. Name and/or MFI’s logo SOCIO ECONOMIC SERVICES • Main activities and practices • Area assessment survey or study of feasibility to recognize the farmer’s need on technical training • Social and economic technical training for further training planning; • Micro-project on small agriculture model (chicken raising or fermented food) • Partnership linkages • Partnership with other NGO (Veterinaire Sans Frontiere) for staff and vet collaborator training; • Communal Vet Network collaboration for partner training; • Training for partners in job creation in handicraft

11. SOCIO-ECONOMIC TRAINING  BUSINESS TRAINING on Saving & investing; Opportunity cost; production; spending)  SOCIAL TRAINING on maternal child health care; HIV/AID  LIVELIHOOD TRAINING on culture production and animal husbandry HOME VISIT on loan use checking and advisory on loan use 

12. Name and/or MFI’s logo Our main challenges and our main objectives • Our main challenges • The quality of socio-economic training has still limited impacts on household agriculture practices and income generations • Efficiency and effectiveness of the SE team’s activities need to be improved in order to ensure synergy with the financial services • Our main objectives • Improve planning of the SE team’s activities via Partner’s need assessment and socio-economic impact evaluation; • Update and upgrade training tools and quality of socio-economic training;

13. Name and/or MFI’s logo Some figures and key indicators On September 30th, 2013 5112 5112 • Number of members 3716 • Number of active borrowers 8553 • Number of participations in training sessions in 2013 17 • Number of participants per training (estimate) 517 • Number of training sessions delivered in 2013 62 • Number of participants in other SES in 2013 • Number of SES Officers (trainers, social workers...) 5 14 • Number of Credit Officers 65% • Partner Loyalty Rate • Portfolio At Risk (PAR) 30 days 4.1% • Gross Outstanding Portfolio (in US$) 618326

14. THANK YOU FOR YOUR ATTENTION