38. what constitutes “social performance”
Social Performance Task Force (SPTF) –
ปั ญหา moral hazard “credit ease”
KEY
Indicators above the dash lines – agree to do
Indicators below the dash lines or in dash line boxes – agree to work on
(definitions, tools)
Specific indicators A-D – agree to work on in specific contexts
39. ั
ForolacFR: ดัชนีวดผลงานด ้านสงคม
ั
• ForolacFR (http://www.forolacfr.org/) เป็ นเครือข่ายของ MFI ประมาณ 50 แห่งในทวีปอเมริกาใต ้
และคาริบเบียน จัดทาชุดดัชนีวัด social performance เป็ นโครงการนาร่องในปี 2008
(1) Basic Indicators for Social Performance
Management
Indicator Algorithm SPTF reference
FOCUS
1. Outreach to Outreach poor: % of new poor clients in relation to Q18
poverty and the total number of clients. To promote the
vulnerability segregation for different poor levels
Outreach to women: % of women clients in relation Q17
to the total number of active clients
Outreach to the rural area: % of clients in rural areas Q17
in relation to the total number f active clients
CLIENT SATISFACTION
2. Client Satisfaction Desertion Rate of client= = (No. of active clients at Q19
initial time + No. of new clients – No. of active
clients at final time)/(No. of clients at initial time +
No. of new clients)
Cost of service: Real interest rate in relation to the ~Q12
average national interest rate of the sector.
40. ั
ForolacFR: ดัชนีวดผลงานด ้านสงคม (ต่อ)
ั
(1) Basic Indicators for Social Performance (continued)
RESULTS
3. Employment Employment consolidation: Secure full-time job positions in ~QC
Creation relation to total of clients served
Employment creation: New full-time job positions created in QC
relation to the total number of clients served
4. Social Capital Social Capital Support: % of clients served with methodologies Q4.1
that generate social capital (common banks, credit networks) in
relation to the total of active clients.
% of clients that lead or participate in social organizations in
relation to the total number of active clients
5. Capital and Assets Active Assets: % of loans to the investment of fixed assets in
Creation relation to the total number of active loans.
Long-term loans: % of loans of long term loans in relation to the
total of active loans.
SOCIAL RESPONSIBILITY
6. Surplus Assignation Reinvestment: % of surplus reinvestment
Community Support: % of surplus used in supporting social or
community projects.
Employers Training: % of surplus used in training employers of MFIs
41. ั
ForolacFR: ดัชนีวดผลงานด ้านสงคม (ต่อ)
ั
(2) Social Performance Indicators related to a context
Management Algorithm
Indicators
7. Services Savings: % of clients that receive voluntary savings services in relation Q4.2
Diversification to the total of number of active clients.
% average saving
Insurance: % of clients that receive insurance services in relation to
the total of number of active clients.
Transfers, Remittances: % of clients that receive transfers or
remittances services in relation to the total of number of active
clients.
Other services: % of clients that receive other financial services in
relation to the total of number of active clients.
8. Access to Human Education: % of clients that receive education services in relation to Q4.3
and economic the total of number of active clients.
Development Services
Health: % of clients that receive health services in relation to the total
of number of active clients
Microentreprises Development; % of clients that have received
technical assistance or management enterprise services in relation to
the total of number of active clients.
Economic Development: farmers organization, value chains
integration, local development
42. Progress out of Poverty Index (PPI)
ี้ ั
ขันแรก วัดคะแนน PPI ของลูกค ้าแต่ละคน จากดัชนีชวดความจน 10 ตัว
้
43. การคานวณ PPI (ต่อ)
่ ่ ่ ่ ้
ขันทีสอง ดูวาคะแนน PPI มีคาความเป็ นไปได ้เท่าไรทีจะอยูเหนือเสนความจน
้ ่
54. ่ ุ
สูยค “เศรษฐกิจแห่งคุณค่า”?
“ In the 19th century, we were making money
with money. In the 21st century, I believe and
hope that we will use values to create value.”
- Oliver Le Grand , Chairman of the Board of
Cortal (a subsidiary of BNP Paribas)
“[There is] No Place To Hide for the Irresponsible
Business”
- Financial Times headline,
29 September 2003
54
56. “You never change things by fighting the
existing reality.
To change something, build a new model
that makes the existing model obsolete.”
- R. Buckminster Fuller -
“คุณไม่มวันเปลียนอะไรก็ตามด ้วยการต่อกรกับ
ี ่
ความจริงทีเป็ นอยู่
่
ถ ้าคุณอยากเปลียนอะไรก็ตาม จงไปสร ้างโมเดลใหม่
่
ทีทาให ้โมเดลเดิมล ้าสมัย”
่
- อาร์. บัคมินสเตอร์ ฟุลเลอร์ -
56