Gender and SPM Intro Ppt (1)

8/6/2019 Gender and SPM Intro Ppt (1)

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1

Integrating Gender Equity intoSocial Performance Managementin Microfinance

EDA Rural Systems, India


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TASK

Adapt, add to, existing training modules for SPM to integrategender equity concerns

Follow the conceptual framework for social performanceBuild on p ractical conce p ts and ex p erienceL ink in to global initiatives (WEMAN, WWB )

Understand different contexts

MAKE SENSE TO OUR AUDIENCE - practitioners


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International Social Performance Task Force (SPTF)

Accepted social values in microfinance include:

serving increasing numbers of poor and excluded peoplesupporting enterprises and employment

improving the quality and appropriateness of financial services

improving the economic and social conditions of clients

ensuring social responsibility to clients, employees, thecommunity they serve and the environment

..

Starting p oint


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International Social Performance Task Force (SPTF)

Accepted social values in microfinance include:

serving increasing numbers of poor and excluded peoplesupporting enterprises and employment

improving the quality and appropriateness of financial services

improving the economic and social conditions of clients

ensuring social responsibility to clients, employees, thecommunity they serve and the environment

.. Gender equity not included.???????

Starting p oints: 1


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SocialPerformance is

Putting missioninto practicein line withaccepted values

MISSION & VALUES

PRAC TICE

RESUL TS


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SocialPerformance is

Putting missioninto practicein line withaccepted values

PROCESS: IN TEN T AND DESIGNClear mission, values and p olicies

Governance strategic p lanning

PROCESS: IN TERNAL SYS TEMS & OPERA TIONS

Systems aligned to mission and values

RESUL T: OU TPU TS

RESUL T: OU TCOMESChange - social and economic im p rovements?

Outreach to target clients - p oor and excluded p eo p leApp ro p riate and res p onsible services

RESUL T: IMPAC TSCan these im p rovements be attributed to

institutional activities?


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2 Social Performance Management:

Strategy O p erations Evidence for Results


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Clients andstaff - mainly men

Clients mainly women - some women staff

Gender aware policiesand systems aligned: aspart of SPM

Gendertransformative- clients andstaff

3 A gender s p ectrum

Integrating a concernfor gender equity


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Some of the issues

Evolving context: Responsible finance; Governance rapid growth, multiple lending, allocation of profits? (SPM)

Defining gender equity not too theoretical

Practical approach systems and information

Looking for the examples cases (short!)

What are the non-negotiables applicable to all?


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SPM Sessions (4/5 days)

IntroductionSocial Performance and SPMGoals and Objectives

Information tracking results Aligning systemsClient protection (new)

Assessment and reporting (new)

Workbook action plan


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SPM Sessions integrating gender

IntroductionSocial Performance and SPMGoals and Objectives

Information tracking results Aligning systemsClient protection

Assessment and reportingWorkbook action plan

So far added:Gender equity as a social valueExamples gender related

Gender disaggregated data

Gender concerns (new)

MiX SPS


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3 .2a

Typ es of Social Goals

integrating a gender lensReaching target clients

Who will the MFI reach? And where? (Including women)Meeting target-clients needs/ca p acities

Will the MFI meet the needs of its clients? (women specifically)Being socially res p onsible

Will the MFI ensure client protection? Gender issues?Change in target clients lives

What positive changes will the MFI contribute to inthe lives and households - of its target clients? Willthe MFI contribute to gender equity in household,community and local markets ?


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3 .2a

Typ es of Social Goals

Reaching target clientsWho will the MFI reach? And where?

Meeting target-clients needs/ca p acitiesWill the MFI meet the needs of its clients?

Being socially res p onsibleWill the MFI ensure client protection? Gender equity?

Change in target clients livesWhat positive changes will the MFI contribute to inthe lives and households - of its target clients? Willthe MFI contribute to gender equity in household,community and local markets ?


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3 .2f

Peo p les Bank Case Study:

Social Goals and ObjectivesSocial Goals Social Objectives getting SMAR TERReaching targetclients:Poor women andtheir families

In each of the next 3 years, deepenoutreach to poor households, reaching atleast 50% poor (living below $1/day) and10% very poor (in bottom half below$1/day) among new clients

Ensure at least 60% outreach to women


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3 .2f


Social Goals and ObjectivesSocial Goals Social Objectives getting SMAR TERMeeting target-clientneeds/capacities

Providing qualityfinancial services

Reduce client exit rate to 10% in each cycleeach year, both women and men

Ensure all clients women and men - areaware of our range of products, and fullyunderstand the effective rate of interestthey pay on loans, and the interest they

receive on their savings


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3 .2f


Social Goals and ObjectivesSocial Goals Social Objectives getting SMAR TERChange in targetclients lives:

Improving their well-being and status

After 3 years, reduce poverty level of clients and their families, moving at least50% of clients up one level of the povertyscale; both women and men

After 3 years increase % of women clientsengaged in/managing the MFI financed

enterprise (depending on context); %women owning assets


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Exam p les: Gender disaggregation

of MIS dataClient profile at entry (poverty level, livelihoods, marketsegmentation) Access to different products (group/individual; savings,

insurance); loan size over timeDropout rate

Change over time based on indicators collected at entry;graduation from group to individual; indicators related to socialgoals


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Exam p les: Client p rotection

a pp lying a gender lensSMAR T cam p aign

6 Princi p les of Client Protection

Avoidance of Over-IndebtednessTransparent Pricing

Appropriate Collections Practices

Ethical Staff Behavior Mechanisms for Redressal of GrievancesPrivacy of Client Data


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New session on gender (2.5 hours)

1 Introduction Data (MiX) clients and staff gender ratios;what are the gender concerns? WEMAN protocol (as revised!)

2 What are the constraints that women face? Debate should MFIs get involved in addressing these constraints, or not?

3 Two case studies: product design (India) and HR systems(Pakistan)

4 Levels of engagement with gender: some non-negotiables


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Consider the gender constraints

- in your context/MFICAtEGORIES

Individual Household Wider community/markets

Financial

Economic

Socio-culturalLegal


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A debate

MFIs should get involved MFIs need not get involved

Addressing gender issues has to be part of our business

We are only in the business of providing financial services we cannot go beyond:

Reach the poor, better products, client loyalty

Time, costs, capacity, focus

G ender issues are fundamental tomicrofinance and to society

G ender is too difficult to address

Human rights, MDGs, realdevelopment. Personal issues, traditions


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Where are you on the s p ectrum?

Recognise/understand different contextsSome MFIs taking the lead demonstrating what is possibleGroup model more empowering potential (leadership

development, training, adaptive services)The non-negotiables, whoever you are:- Client protection respect for women clients- Understanding the market for different products- MIS field to track women and men clients separately- Women clients engagement in financed enteprises (not loan

pass)


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Longer stand-alone module?

(1 day)Personal engagement through the training the heart not justthe mind (method - guided visualisations). Gender sensitisation does it work? What works?

Case studies examples of different aspects, e.g.effectiveness of non-financial services, possible linkages

Gender audit institutional assessments


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Re p orting - indicators

HANDOUTDraft list

Several elements part of MiX Social PerformanceStandards reporting

Documents

Gender and SPM Intro Ppt (1)