green bank experience - group and individual liability micro-lending

The Green Bank Experience Group and Individual Liability Micro‐Lending Gerald Guillen Green Bank 2010 RBAP‐MABS Na.onal Roundtable Conference Hya= Hotel and Casino, Manila June 2‐3, 2010

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Page 1: Green Bank Experience - Group and Individual Liability Micro-Lending

TheGreenBankExperienceGroupandIndividualLiabilityMicro‐Lending

GeraldGuillen

GreenBank

2010RBAP‐MABSNa.onalRoundtableConferenceHya=HotelandCasino,ManilaJune2‐3,2010

TheGreenBankExperienceGroupandIndividualLiabilityMicro‐Lending

AGENDA:– WhatGBIisimplemen.ng?

– Howwasthetransi.on?• Communica.ontobranchesandstaff

• Policies– ImpacttoOpera.on?

Page 3: Green Bank Experience - Group and Individual Liability Micro-Lending

WhatGBIisimplemen.ng

• Combina.onofbothindividualandgroup

• Usesindividualapproachinareasthatarehighlycompe..ve–VISAYAS

Page 4: Green Bank Experience - Group and Individual Liability Micro-Lending

Transi.onfromGrouptoIndividual

STAFF• InhousetrainingtoallAOsandSupervisors• Regularweeklymee.ngstotrackopera.onalissues

CLIENT

• Explaintoclientsthattheshi[wasarewardbecauseoftheirrepaymentperformance

Page 5: Green Bank Experience - Group and Individual Liability Micro-Lending

Transi.onfromGrouptoIndividual

• Policies– Transferofcontractualsavingstopersonalsavings– UsesCASHFLOWanalysisonsucceedingloancycles

Page 6: Green Bank Experience - Group and Individual Liability Micro-Lending

Impact

POSITIVE• Increaseinpersonalsavings• Increaseincentermembers

NEGATIVE

• Itaffectsclientssolidarity

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