TheGreenBankExperienceGroupandIndividualLiabilityMicro‐Lending

GeraldGuillen

GreenBank

2010RBAP‐MABSNa.onalRoundtableConferenceHya=HotelandCasino,ManilaJune2‐3,2010

TheGreenBankExperienceGroupandIndividualLiabilityMicro‐Lending

AGENDA:– WhatGBIisimplemen.ng?

– Howwasthetransi.on?• Communica.ontobranchesandstaff

• Policies– ImpacttoOpera.on?

WhatGBIisimplemen.ng

•  Combina.onofbothindividualandgroup

•  Usesindividualapproachinareasthatarehighlycompe..ve–VISAYAS

Transi.onfromGrouptoIndividual

STAFF•  InhousetrainingtoallAOsandSupervisors•  Regularweeklymee.ngstotrackopera.onalissues

CLIENT

•  Explaintoclientsthattheshi[wasarewardbecauseoftheirrepaymentperformance

Transi.onfromGrouptoIndividual

•  Policies– Transferofcontractualsavingstopersonalsavings– UsesCASHFLOWanalysisonsucceedingloancycles

Impact

POSITIVE•  Increaseinpersonalsavings•  Increaseincentermembers

NEGATIVE

•  Itaffectsclientssolidarity