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. Gender Performance Indicators
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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. Gender Performance Indicator Classification
Client Institution
• Outreach
• Product Design & Diversity
• Service Quality
• Client Protection
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• Board/Staff Diversity
• Promotion & Retention
Outcomes
• Financial Outcomes
• Social Outcomes

5. 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

6. 6
Thank you
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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. 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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9. MIX’s Marketplace Position
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MFI
Donors and
Investors
MFI Networks
Raters
Regulators
2,100+ MFIs
150 Networks
200 Funders
300 Service
Providers
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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. 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. ALL INDICATORS
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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
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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. 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
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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. 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
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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. 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
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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. Institutional Indicators
Board/staff diversity
 Percent women board members, staff, senior management, middle
management, and front-line staff
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Institutional Composition
Benchmarking diversity ratios to market or regional peer groups can provide valuable insights.

18. Institutional Indicators
Advancing Women Managers
 Staff promotion and attrition rates, by gender
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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. Outcome Indicators
Women as an Asset Base
 Percent of loan portfolio and average loan balance
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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. 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
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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.