Gender Performance Indicators webinar

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Are you serving women well? Using the Gender Performance Indicators

Jaclyn Berfond, Senior Associate, Research, Monitoring & Evaluation

Jesse Marsden, Program Manager, Research & Operations

Michael Krell, Analysis and Data Management Lead, Social Performance

Shahinaz Saqer, Network Branch Manager

Feel free to live-tweet the session @MicroCredSummit, @womensworldbnkg and #Commit100M !

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Gender Performance Indicators

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Use of Shapes If filled in color, shapes must

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What is Gender Performance?

With 74% of MFIs* claiming to target women, and over half declaring women’s empowerment or gender equality as an objective:

How can we hold ourselves accountable to the financial inclusion and empowerment principles we advocate?

How can we understand if financial institutions are serving women well?

Current gender indicators only tell part of the story…

* MIX FY2012 data

% women board members

% women staff

% women managers

% women borrowers

GPI Indicators












• Outreach• Product Design & Diversity• Service Quality• Client Protection

Gender Performance Indicator Classification

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• Board/Staff Diversity• Promotion & Retention

• Financial Outcomes• Social Outcomes

Client Institution

Outcomes












The “Select Five”

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These select five indicators are the starting point; the minimum that all industry stakeholders can use to track and improve gender performance. They are also the first key step toward the integration of the full suite of indicators

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Thank you

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Women’s World Banking’s Global Footprint

35+ years focused on women’s access to finance

20 million active clients

70% women

Women’s World Banking is also working with banks in Malawi, Nigeria, and Tanzania.

34 institutions

$7.7 billion in outstanding loan portfolio

$5.1 billion in deposits

MIDDLE EAST &NORTH AFRICACountries: 5Institutions: 5

AFRICACountries: 6Institutions: 7

ASIACountries: 6Institutions: 12

LATIN AMERICA ANDTHE CARRIBEANCountries: 6Institutions: 9

EUROPECountries: 1Institutions: 1

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What is MIX?MIX promotes responsible financial services for underserved communities through data analytics and market insight. We do this through two decision support platforms, MIX Market and FINclusion Lab. As basic infrastructure for responsible and inclusive markets, these platforms provide a necessary ecosystem to enable and inspire coordinated investment, effective policy, and positive social outcomes for the financially underserved.

MIX Market (www.mixmarket.org) is a data hub where microfinance institutions (MFIs) and supporting organizations share institutional data to broaden transparency and market insight.

FINclusion Lab (www.finclusionlab.org), is an analysis and data visualization workshop designed to inspire the coordinated delivery of responsible financial services to underserved communities

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MIX’s Marketplace Position

MFI

Donors and Investors

Raters

MFI Networks

Regulators

2,100+ MFIs

150 Networks

200 Funders

300 Service Providers

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• Private, non profit microfinance institution•MFW was the first microfinance program in Jordan

•Jordan Quick Facts Jordan population: 6.5 millionFemale percentage: 48.4 % GDP/Capita: US$ 6,100

1994Save the Children launches Jordan’s first Group Guaranteed Lending Program

1996The program was registered as a local NGO, the Jordanian Women’s Development Society

1999Microfund for Women is registered as a non-profit limited liability company

2002MFW achieved full financial sustainability

2006MFW celebrated its 10-year anniversary and reached the 25,000-active loan mark

MFW - Who We Are

Indicators are as of Jun, 2014

No. of Branches49 (48 operating)

No. of Staff 517 (69% ♀)

No. of Loan officer 300(79% ♀)

No. of Active clients 107,418

Portfolio (In millions) 36,843,743US$

MFW – The Hand that reaches…..

Services Jun, 2014

Financial Services•Credit group & Individual loans

Financial services•Non Credit Microinsurance

Non- Financial services

•Capacity Building & Training•Market Linkages•Social Services•Rewards & Benefits•College Scholarships

No. of Insured Clients-Himaya (Credit life)

107,418

No. of Insured Spouses 84,860

No. of insured Ri’aya(Caregiver)

102,406

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ALL INDICATORS

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Client Indicators

Women Clients Women clients as a percent of total clients New women clients as a percent of total new

clients

Women’s Market Penetration Women clients as a percent of addressable

market

Women’s Market Share Women clients as a percent of total women

served by comparable providers in the market

Depth of Outreach to Women Percent of women clients below a defined

poverty threshold Average initial loan balance as a percent of per

capita Gross National Income (GNI), by gender

Outreach

Regional analysis at Ujjivan in India shows the institution’s market penetration (measured as number of services points) compared to the target population’s income levels. This analysis can provide guidance on whether the institution is present in the lowest income areas. Institutions can also use this to make growth decisions.

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Client Indicators

Understanding Women’s Needs Percent of clients analyzed through market

research, by gender

Product Diversity Percent of women clients accessing two or

more distinct types of voluntary financial products

Product Uptake Product growth, by gender

Products

At Fundación delamujer, analyzing the repayment performance of clients with a credit product and one or more insurance products provides insights on repayment differences between men and women. In all cases women performed better.

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Client Indicators

Retaining Women Clients Client retention rate, by gender Percent of women clients, by loan cycle or

by join year

Client satisfaction Client satisfaction score, by gender

Service Quality

At Fundación delamujer, the longer a client was with the institution, the higher her average assets. Although no direct attribution can be made, this analysis can be a starting point to explore indications of social outcomes. On average, women clients that had been with the institution longer registered higher assets.

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Client Indicators

Women’s Feedback Percent of clients with inquiries or complaints, by gender

Educating Women Percent of women clients who attend financial education programs

Client Protection

Beyond the number of complaints, Fundación delamujer began to track the types of inquiries as well as the channel through which they were received. This enabled them to measure and set target response time per type of inquiry.

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Institutional Indicators

Board/staff diversity Percent women board members, staff, senior management, middle

management, and front-line staff

Institutional Composition

Benchmarking diversity ratios to market or regional peer groups can provide valuable insights.

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Institutional Indicators

Advancing Women Managers Staff promotion and attrition rates, by gender

Institutional Trends

By disaggregating loan officer data by gender, differences in productivity levels at Fundación delamujer emerged. Further analyzing loan officers by the number of years on the job demonstrated that because female loan officers had on average been at the institution longer they also exhibited higher levels of productivity.

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Outcome Indicators

Financial Outcomes

At Finance Trust in Uganda, we performed regional analysis that compares women’s loan portfolio to the percentage of women clients. If men and women had equal average loan balances we would see parity (100 % in this scale). Thisanalysis can then be refined by product and by branch to evaluate target markets.

Women as an Asset Base Percent of loan portfolio and average loan balance

by gender

Women’s Repayment Capacity Portfolio at Risk > 30 days, by gender

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Outcome Indicators

Economic Improvement Average percent change in net business

income or assets and/or average percent change in household income or assets, by gender

Self-Determination Percent of women who use their loan for

their own economic activity

Family Well-Being Percent of women clients with school-aged

children in school Percent women clients that show

improvement in housing conditions

Social Outcomes

At Ujjivan, analyzing loan usage by cycle showed that over time women clients shifted loan usage from businessto family: housing and education were the most important priorities.

Documents

Gender Performance Indicators webinar