M2i performs code of conduct compliance assessments that assesses MFIs on the following dimensions:
- Client origination and targeting
- Loan pricing
- Loan appraisal
- Client data security
- Staff conduct comprising of:
- Communication with clients
- Loan collection and recovery process
- Relationship management and feedback mechanism
This exercise involves a comprehensive review of MFIs policies and systems and whether these translate into ethical microfinance practice. It utilizes the ADDO framework developed by M2i.
| Approval (A) |
Documentation (D) |
Dissemination (D) |
Observance (O) |
| Has the board approved the policies covering these codes of conduct principles? |
Have the guidelines that follow from these policies been documented in the appropriate manuals? |
Have the guidelines been disseminated across the organization through training and making available guidelines and manuals at the branches? |
Are the guidelines observed in practice as found through interactions with a sample of clients? |
| Client origination |
Client origination |
Client origination |
Client origination |
| Loan pricing |
Loan pricing |
Loan pricing |
Loan pricing |
| Loan appraisal |
Loan appraisal |
Loan appraisal |
Loan appraisal |
| Client data security |
Client data security |
Client data security |
Client data security |
| Staff conduct |
Staff conduct |
Staff conduct |
Staff conduct |
| Client relationship and feedback |
Client relationship and feedback |
Client relationship and feedback |
Client relationship and feedback |
The assessment identifies areas of improvements for MFIs which are critical for their long term sustainability. For more information please write to us.
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