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Gender Performance Indicators webinar

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Gender Performance Indicators webinar

  1. 1. 1 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 !
  2. 2. Gender Performance Indicators 2
  3. 3. 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… % women board members % women staff % women managers % women borrowers GPI Indicators * MIX FY2012 data 3
  4. 4. Gender Performance Indicator Classification Client Institution • Outreach • Product Design & Diversity • Service Quality • Client Protection 4 • Board/Staff Diversity • Promotion & Retention Outcomes • Financial Outcomes • Social Outcomes
  5. 5. The “Select Five” 5 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
  6. 6. 6 Thank you 6
  7. 7. 7 Women’s World Banking’s Global Footprint 35+ years focused on women’s access to finance 20 million active clients 70% women 34 institutions $7.7 billion in outstanding loan portfolio $5.1 billion in deposits Women’s World Banking is also working with banks in Malawi, Nigeria, and Tanzania. MIDDLE EAST & NORTH AFRICA Countries: 5 Institutions: 5 AFRICA Countries: 6 Institutions: 7 ASIA Countries: 6 Institutions: 12 LATIN AMERICA AND THE CARRIBEAN Countries: 6 Institutions: 9 EUROPE Countries: 1 Institutions: 1
  8. 8. What is MIX? MIX promotes responsible financial services for underserved communities through data analytics and market insight. We do this through two decision support platforms, MIX Market and FINclusion Lab. As basic infrastructure for responsible and inclusive markets, these platforms provide a necessary ecosystem to enable and inspire coordinated investment, effective policy, and positive social outcomes for the financially underserved. MIX Market (www.mixmarket.org) is a data hub where microfinance institutions (MFIs) and supporting organizations share institutional data to broaden transparency and market insight. FINclusion Lab (www.finclusionlab.org), is an analysis and data visualization workshop designed to inspire the coordinated delivery of responsible financial services to underserved communities 8
  9. 9. MIX’s Marketplace Position 9 MFI Donors and Investors MFI Networks Raters Regulators 2,100+ MFIs 150 Networks 200 Funders 300 Service Providers 9
  10. 10. • Private, non profit microfinance institution •MFW was the first microfinance program in Jordan •Jordan Quick Facts Jordan population: 6.5 million Female percentage: 48.4 % GDP/Capita: US$ 6,100 1994 Save the Children launches Jordan’s first Group Guaranteed Lending Program 1996 The program was registered as a local NGO, the Jordanian Women’s Development Society 1999 Microfund for Women is registered as a non-profit limited 2002 MFW achieved full financial sustainability 2006 liability company MFW celebrated its 10-year anniversary and reached the 25,000-active loan mark Indicators are as of Jun, 2014 No. of Branches 49 (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$
  11. 11. 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 102,406
  12. 12. ALL INDICATORS 12
  13. 13. 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 13 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.
  14. 14. 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 14 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.
  15. 15. 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 15 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.
  16. 16. 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 16 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.
  17. 17. Institutional Indicators Board/staff diversity  Percent women board members, staff, senior management, middle management, and front-line staff 17 Institutional Composition Benchmarking diversity ratios to market or regional peer groups can provide valuable insights.
  18. 18. Institutional Indicators Advancing Women Managers  Staff promotion and attrition rates, by gender 18 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.
  19. 19. Outcome Indicators Women as an Asset Base  Percent of loan portfolio and average loan balance 19 Financial Outcomes by gender Women’s Repayment Capacity  Portfolio at Risk > 30 days, by gender 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). This analysis can then be refined by product and by branch to evaluate target markets.
  20. 20. 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 20 Social Outcomes At Ujjivan, analyzing loan usage by cycle showed that over time women clients shifted loan usage from business to family: housing and education were the most important priorities.

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