Client Over-indebtedness: The KASAGANA-KA Experience

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Presentation transcript:

Client Over-indebtedness: The KASAGANA-KA Experience Microfinance Council of the Philippines Hyatt Hotel, Manila 27 July 2012

Reasons (clients’ perspectives): from existing literature Loan is inadequate (following loan cycle formula) for actual business requirement Need to repay existing loans Need funds to finance emergency and other non-business related expenses A family member or friend needs funds

Reasons (MFI perspective): from existing literature Has to meet target outreach Clients do not reveal loans from other providers Simply follow loan cycle formula Incentive system is based on reaching targets (outreach, portfolio)

Interventions Offered another loan window not following cycle formula; only for clients who have shown discipline and whose cash flow can afford the increase Designed multiple loan products addressing needs of clients not just for business capital Ingrained in staff the culture of service and not fund-pushing

Interventions Continuously innovate products and services Emphasize client protection strategies (careful screening, maximum debt exposure level, train staff on cash flow analysis/client repayment capacity assessment; monitor multiple borrowing among clients; help clients in times of calamity)

Hagdan-hagdan ng pag-unlad K-Negosyo (W2), K-Bahay, KJSP K-Edukasyon, K-Kalusugan (W2), K-Unlad, Loyalty Rebates K-Negosyo (W1), LRF, K-Impok, K-Kalusugan (W1), K-Seguro (life, CLIP), K-Suporta, K-Benepisyo, Center Officers Rebates

Networking as a Core Strategy National Government Agencies Local Government Units Health providers Academe Other MFIs Business Corporations Other NGOs

Increase Valuing for the NGO-MFI Regular road shows with Center Chiefs (CEO presents and explains annual theme and FS of NGO-MFI) High interest rates for CBUs Being an MFI CB means FUNDS, FRIENDS and FUN!