green bank experience - group and individual liability micro-lending
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TheGreenBankExperienceGroupandIndividualLiabilityMicro‐Lending
GeraldGuillen
GreenBank
2010RBAP‐MABSNa.onalRoundtableConferenceHya=HotelandCasino,ManilaJune2‐3,2010
TheGreenBankExperienceGroupandIndividualLiabilityMicro‐Lending
AGENDA:– WhatGBIisimplemen.ng?
– Howwasthetransi.on?• Communica.ontobranchesandstaff
• Policies– ImpacttoOpera.on?
WhatGBIisimplemen.ng
• Combina.onofbothindividualandgroup
• Usesindividualapproachinareasthatarehighlycompe..ve–VISAYAS
Transi.onfromGrouptoIndividual
STAFF• InhousetrainingtoallAOsandSupervisors• Regularweeklymee.ngstotrackopera.onalissues
CLIENT
• Explaintoclientsthattheshi[wasarewardbecauseoftheirrepaymentperformance
Transi.onfromGrouptoIndividual
• Policies– Transferofcontractualsavingstopersonalsavings– UsesCASHFLOWanalysisonsucceedingloancycles
Impact
POSITIVE• Increaseinpersonalsavings• Increaseincentermembers
NEGATIVE
• Itaffectsclientssolidarity
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