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SPM and the MFI

fighting poverty since 1989. SPM and the MFI. "microfinance with a social conscience". Ahon sa Hirap Inc. (ASHI) 'To rise above poverty". Presented by Mila Mercado-Bunker, President November 2009. fighting poverty since 1989. ASHI vision statement.

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SPM and the MFI

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  1. fighting poverty since 1989 SPM and the MFI "microfinance with a social conscience" Ahon sa Hirap Inc. (ASHI) 'To rise above poverty" Presented by Mila Mercado-Bunker, President November 2009

  2. fighting poverty since 1989 ASHI vision statement “To inspire the marginalized women and their families to discover their God- given dignity and enabling them to rise above all forms of poverty and respond to social and environmental concerns. To deliver excellent professional service with a team spirit. To Share with other anti- poverty institution and organization our expertise grounded on experience”.

  3. fighting poverty since 1989 Outreach to the poorest Adaptation of Products & Services Corporate Social Responsibility Empowerment & Participation the social performance dimensions The effective translation of our mission into practice (social performance management) is guided by the following four dimensions. Membership Portfolio Management Staff, Members & Community Member’s Leadership

  4. fighting poverty since 1989 outreach to the poorest Using PPI as a tool to ensure the recruits are from the target “bottom 50% poor women”. (We survey the whole community to establish it’s potential Adding just a few social indicators to the survey (eg. family size, house ownership, size and quality, ) set a baseline for comparison over time Survey repeated only once a year efficiently provides member’s progress. The system allows comparison of poverty probability for loan size, years of membership, product use through link to loan tracking database

  5. fighting poverty since 1989 outreach to the poorest Using a simple database system provides instant reporting for Branch management. (No special Research Department exists) Finally surveying all exiting members allows us to see if ASHI has been of any help! PPI allows use to compare an the resulting index with the National Poverty Level to establish the probability of the individual, or group of being among the poorest.

  6. fighting poverty since 1989 adaptation of products & services Professor Muhammad Yunus founder of Grameen Bank Defines Micro-credit as “small loans with small frequent repayments”… “…if a borrower fails to pay, one should not be quick to blame the borrower but the Designer of the Institution who fails to do the job” ASHI product design policies 1 Longer loan terms to consider a Member’s cash flow 2 Advance through the cycle based member’s choice or credit rating 3 Strict monitoring of use of loan according to contract 4 A variety of products for situations and needs 5 Response system for members with difficulties

  7. fighting poverty since 1989 adaptation of products & services Savings Products Loan Products Personal savings General Loan (business) Children’s savings (educational) Educational Loan Group savings (public funds) House Repair Loan Agri Loan (linked to croppping cycle) Enterprise Loan (linked to business cycle) Special Loan for victims of calamity and fortuitous events Insurance Savings Products Damayan members insurance benefit savings Pension savings

  8. fighting poverty since 1989 corporate social reponsibility benefits Staff housing, health reproductive health career development leadership members security of tenure management capacity community nutrition local economic development family size relationships environmental protection gender mainstreaming suport networks

  9. fighting poverty since 1989 Grameen Groups Board Representative Center Chief Branch Officer Parish Council Womens & Childrens Barangay Chair Barangay Council School Council Political Educational empowerment and participation The ASHI Leadership Path Member’s training curriculum for Group Chair and Center Chief prepare the leader for more responsibility Community Leadership Opportunities Spiritual

  10. fighting poverty since 1989 empowerment and participation participation in operations Group Chair and Center Chief have a responsibility in monitoring the loan process participation in product policy and development Regional consultation with the President, focus on a product or issue and result in changes and improvements participation in governance Each region elects a representative to the Board they have full voting rights and attend all meetings

  11. social performance road map Members acquired not only self-confidence but also dignity Improvement in the lives of ASHI’s members in economic & social terms Focus success away from traditional performance figures Improved organizational communication

  12. Achievement Summary September 2009 32,107 Outreach Total Loan Outstanding In Euros 1,890,937.43 Total Savings in Euros 205,952.87 Portfolio at Risk 2.6% 172 Number of Staff

  13. "Success is sustainability and sustainability is social impact"

  14. Thank you for your Participation

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