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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
Peo p les Bank Case Study:
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
Peo p les Bank Case Study:
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