How deep is your outreach?


We are still collecting the 2014 Institutional Action Plan (IAP) forms in preparation for The State of the Microcredit Summit Campaign Report, 2015.

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Submit your Institutional Action Plan today!

By filling out an Institutional Action Plan (IAP), members of the Council of Microfinance Practitioners and Associations report on the progress they have made over the past year in providing financial and non-financial services to the most vulnerable and poorest populations.

Please complete the appropriate form below, and email it to info[at] by February 15, 2015 to be included in the 2015 State of the Campaign Report.

If your institution operates in multiple countries and you would like to fill out a single IAP form, please contact us at info[at] Note that this year we are only asking for information on borrowers.

If you have any questions, please contact the Secretariat at


Nous recueille toujours les formulaires de Plan d’Action Institutionnel (PAI) 2014 pour le Rapport de l’État de la Campagne du Sommet du Microcrédit, 2015.

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Envoyez votre Plan d’Action Institutionnel (PAI) dès aujourd’hui !

En remplissant un PAI, les membres du Conseil des Agents et des Associations rendrent compte du progrès qu’ils ont fait pendant la dernière année en occtroyant des services financières et non financiers aux populations les plus vulnerables et plus pauvres et le nombre de clients qui sont sortis de la pauvreté.

Veuillez remplir le formulaire approprié ci-dessous, et envoyer-le a info[à] au plus tard le 15 de février 2015 afin d’être inclus dans le Rapport de l’état de la Campagne.

Si votre institution travaille dans plusieurs pays et vous voulez remplir un seul Plan d’Action, veuillez nous contacter à info[à] Notez bien que cette année nous demandons seulement des informations à propos des emprunteurs.

Si vous avez des questions, veuillez contacter le Sécrétariat en écrivant à


La Campaña de la Cumbre de Microcrédito le complace anunciar que está recolectando los formularios del Plan de Acción Institucional para el 2014 (PAI) para el Informe del Estado de la Campaña de la Cumbre de Microcrédito, 2015.

¡Entregue su Plan de Acción Institucional hoy! FECHA LÍMITE: EL 12 DE DICIEMBRE

¡Entregue su Plan de Acción Institucional hoy!

Al completar un Plan de Acción Institucional (PAI), los miembros del Consejo de Agentes y Asociaciones de Microfinanzas están reportando los progresos realizados durante el último año en el suministro de servicios financieros y no financieros a las poblaciones más vulnerables y pobres.

Por favor llene el formulario apropiado que se encuentra a continuación y envíelo por correo electrónico a info[a] a más tardar el 15 de febrero de 2015 para poder incluir sus datos en el Informe del estado de la Campaña 2015.

Si su institución trabaja en varios países y desea llenar un solo Plan de Acción, favor de comunicarse con nosotros al enviar un correo a info[a] Por favor tome en cuenta que este año sólo estamos pidiendo información sobre sus prestatarios.

De tener cualquier pregunta, por favor comuníquese con el Secretariado enviando un correo a

Raffle Contest for 2013 IAP Submission / Tombola pour la présentation du PAI 2013 / Rifa por la entrega del PAI de 2013


(In English, French, and Spanish) We are excited to announce that anyone submitting a 2013 Institutional Action Plan for inclusion in the data reported in the 2014 State of the Campaign Report is eligible to participate in our Raffle Contest to be featured on this blog. Continue reading

Institutional Action Plan Raffle Winner: Banco Adopem


Congratulations to this week’s winner of the Raffle for Institutional Action Plan Submitters! Banco Adopem Since its founding, Adopem has shared best practices at a national and international level with other institutions in the microfinance sector. The bank has provided … Continue reading

Institutional Action Plan Raffle Winner: Microfinance Institute Créa-Sol


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Congratulations to this week’s winner of the Raffle for Institutional Action Plan Submitters! Microfinance Institute Créa-Sol The Microfinance Institute Créa-Sol (Crédit, Accompagnement et Solidarité, or “Credit, Support, and Solidarity”) was founded in 2005 by the Caisse d’Epargne Provence Alpes Corse … Continue reading

Institutional Action Plan Raffle Winner: WAGES Togo


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Congratulations to this week’s winner of the Raffle for Institutional Action Plan Submitters! Women and Associations for Gain both Economic and Social (WAGES) began its activities in 1994 as a project of Care International Initiative in Togo. It’s goal was to … Continue reading

Institutional Action Plan Raffle Winner: Fundacion SERVIGUA


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Congratulations to this week’s winner of the Raffle for Institutional Action Plan Submitters. Established in 2009, Fundación SERVIGUA is a private not-for-profit institution (according to the governmental decree 241-2009) that works with rural populations in the north and west of Guatemala, in … Continue reading

Institutional Action Plan Raffle Winner: RIFIDEC


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Congratulations to this week’s winner of the Raffle for Institutional Action Plan Submitters: RIFIDEC, Regroupement des Institutions du Système de Financement Décentralisé du Congo RIFIDEC supports microfinance in DRC RIFIDEC, the consortium of decentralized finance system in Congo, was created … Continue reading

Institutional Action Plan Raffle Winner: Albanian Savings & Credit Union


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Congratulations to this week’s winner of the Raffle for Institutional Action Plan Submitters: Albanian Savings & Credit Union! Social Guarantee: A Success Factor in Achieving Sustainability  Albanian Savings & Credit Union (ASC Union) has broad experience in offering microfinance services for … Continue reading

Institutional Action Plan Raffle Winner: Muslim Aid Bangladesh


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Poor people’s access to formal financial institutions is denied for they lack collateral and other security. The formal banking system deprives them of the right to borrow, save and invest in profit rearing activities and it is a major reason … Continue reading

Institutional Action Plan Raffle Winner: Banco do Planalto Norte (Brazil)

Congratulations to this week’s winner of the Raffle for Institutional Action Plan Submitters: Banco do Planalto Norte!

Submit your IAP to be included in the next Raffle
(download the IAP | submit your completed IAP)

Banco do Planalto Norte, the colloquial name for Brazil’s “Society of Credit for Microentrepreneurs of Planalto Norte” (Sociedade de Crédito ao Microempreendedor do Planalto Norte), is an NGO working towards four main objectives: 1) the provision of microcredit with the aim of creating, growing, and consolidating formal and informal micro and small enterprises headed by individuals of society’s lower classes; 2) the promotion of economic growth, social development and the fight against poverty; 3) the advancement of educational initiatives through the provision of technical assistance and capacity building exercises for micro- and small entrepreneurs and their employees, in hopes of bettering the management and competing power of their businesses; and 4) the fostering of peace, ethics, human rights, democracy and other universal values.

Banco do Planalto Norte’s Executive Director, Nivaldo Brey Junior

The concept of productive microcredit appeared in the state of Santa Catarina (located in the south of Brazil) in the late 1990s. Through a government-sponsored initiative, 19 microcredit operations were launched and placed in strategic regions throughout the state.  This initial push for the introduction of microcredit was the result of several organizations working together under the leadership of the Agency for the Advancement of the State of Santa Catarina (Agência de Fomento do Estado de Santa Catarina – BADESC), which to this day remains one of the organization’s most important partners. Banco do Planalto Norte opened its headquarters in April of 2000, and shortly afterwards, in 2001, inaugurated two additional branches in the cities of Mafra and Porto União.  Today it serves clients from twelve municipalities in Santa Catarina, as well as three municipalities in the neighboring state of Paraná.

Twelve years later, Banco do Planalto Norte still functions as a non-profit NGO, which since 2002 has been labeled a “Civil Society Organization of Public Interest” by Brazil’s Ministry of Justice.  It currently serves 1,713 borrowers with outstanding loans totaling R$ 3,478,883.17 (about USD$ 1,725,094.45). Approximately 67.63% of the activities it finances are informal, and nearly 50% of them have been around for more than six years. Interestingly, the second largest demand for credit comes from borrowers with brand new businesses (six months or less), which make up 32.23% of all clients. A total of 1,998 jobs have been created, and another 16,676 have been maintained through the organization’s provision of microcredit – quite significant numbers for a still budding project. The average client borrows around USD$ 1,119.21, which may seem a large amount for a microenterprise, but makes sense when we consider that Brazil has an average GNI that is larger than many other countries where microfinance has become prevalent in the last few years.  Additionally, nearly half of all borrowers (43.31%) completed high school and are thus more educated than the country’s poorest.

The institution works under the premise that microcredit is one of the most important tools for sustainable and solidary development. It works to distribute the expansion of economic activities in order to reduce the inequality gap and indicators of poverty in the region.  Through microcredit, the bank believes people can redeem their dignity: “when a person who has never been able to borrow money pays back their first installment, she is filled with immense happiness, because she is proving herself to be capable of making enough to cover her debts. She realizes she is worth more than what others had deemed.”

Institutional Action Plan Raffle Winner: Association d’Entraide Professionnelle!

Congratulations to this week’s winner of the Raffle for Institutional Action Plan Submitters: Association d’Entraide Professionnelle!

 Submit your IAP to be included in the next Raffle
(download the IAP | submit your completed IAP)

 Association d’Entraide Professionnelle (AEP) is a non-profit organization founded in 1984, by a group of bankers and businessmen who were interested in social work. AEP believes that humans must be treated without any discrimination in sex, race, opinion, religion or social class.

AEP considers itself a pioneer in the field of micro credit finance. It gives access to those who experience bank regulations and complications. AEP believes that everyone has the right to get a loan. This is clearly revealed in the mission of the association:  “Beyond assistance….the right to economic initiative…the right to loan for everyone.”

AEP gives priority to applicants who:
·         Are unable to get financing from commercial banks
·         Are financially responsible for a family
·         Can present a productive, feasible and profitable project
·         Have some professional experience in the domain of the project
·         Can provide adequate collateral

 The AEP program had been created to assure secularism and democracy, which are the only guarantees of harmony between the private and public sector.

By the end of 2011, AEP services had reached 13 000 beneficiaries and granted loans totaling to more than $13,000 000.

AEP is going to increase its portfolio using many ways to get closer to all needy people all over Lebanon to help the microfinance expansion. AEP is always aware of its social work. We are not a bank, and we do believe that the coherence in society is quite important to eliminate differences and create better jobs for a better future, to reach the poorest. AEP follows up with its borrowers and provides them with all the assistance and training they need. In addition to the financial services, AEP:

Helps the potential beneficiaries establish a feasibility study to guarantee a productive and a sustainable project:

  • Follows up with its borrowers by providing them a human accompaniment and technical assistance.
  • Ensures the adequate training to meet their needs
  • Proceeds with the borrower, at the end of the loan to a final project evaluation.

All these additional services are free of charge.
The basic principle of AEP is to favor the spirit of “non assistance”, by giving access to credit to each “Borrower-entrepreneur” according to his/her needs.

The mission of AEP is to follow step by step the entrepreneurs enabling them access to undertaking economic initiatives and initiate them to the loan system through their project follow up and adequate free training until the accomplishment of the project.

The human support is our main concern and duty and it is done by:
– Awareness campaign to the borrowers e.g.:  conferences and information about water problems, organic products for agricultural projects …
– Training sessions in accounting and marketing are a must to the entrepreneur for the growth of his/her enterprise.
– Field visits aiming to prevent the problems the entrepreneur may face.
– Free consultancy and free technical assistance done by AEP’s team and professional experts belonging to AEP’s chain of friends.
– Introducing the entrepreneurs to all innovative ideas to meet the market needs.

All these factors are contributing to maintain the sustainability of our organization, more over to be involved and to sustain microfinance sector.

Raffle Winner: BRAC Tanzania

Congratulations to this week’s winner of the Raffle for Institutional Action Plan submitters, BRAC Tanzania!

Submit your IAP to be included in the next Raffle (download the IAP | submit your completed IAP)

The BRAC Microfinance Model

A distinctive aspect of our microfinance program is the credit-plus approach. Besides providing loans and training, we have developed an integrated set of services that work to strengthen the supply chains of the enterprises that our members invest in, giving them access to quality inputs and support in marketing their products. We also train our staff to be socially and ethically motivated to bring changes in the lives of our clients.

Source: BRAC Website. Found at

Our credit-plus approach is underpinned by our adherence to internal discipline and client care:

  • We conduct weekly group meetings and provide social education and financial literacy about the loan products and how best to manage their businesses in order to pay back effectively.
  • We have strong internal control and corporate governance based on our established International Standard Internal Audit Manual.
  • Our monitoring department ensures that the program runs as planned and detects consumer exploitation wherever it exists.
  • We ensure proper financial reporting with advanced IT, monitors, auditors and an accounting team.
  • We have introduced a Review Unit for the overall performance of the branch and operations.
  • We train staff on how to handle clients in the field.
  • We provide doorstep service and collateral free loans with a group guarantee.
  • We provide death benefits to our members.

We also follow the six principles of client protection:

  1. Reduction/avoidance of over indebtedness
  2. Transparent and fair pricing
  3. Ethical staff behavior
  4. Appropriate debt collection practices
  5. Mechanisms for client grievances
  6. Privacy of client data

BRAC has forty years of experience in poverty alleviation and sees microfinance as one of many tools to address the various causes of poverty. Based on this premise, BRAC Tanzania is working to improve the economic self reliance of the rural poor through micro loans, reinforced by livelihood development training.  BRAC is strengthening existing entrepreneurs, but also creating a new generation of entrepreneurs in the country, and thus contributing to a healthy competitive economy.

Good coverage: BRAC Tanzania started its operations in mid-2006. We have built a strong financial network with 112 branches in 18 of the 26 administrative regions of the country. We have generated more than 1,200 employment opportunities for Tanzanian people.

In-depth Knowledge about Tanzania: We are working with 115,984 borrowers covering a total population of 644,000 among which 97.88% are female and 2.12% are male clients. Dealing with such a large community gives us an in- depth knowledge about the Tanzanian economy, as well as the opportunity to provide appropriate services as needed.

Driving Force for Growth & Development: We are one of the leading financial service providers of microfinance in Tanzania. Since the inception of the microfinance program in 2007, we have grown to cover 113,357 borrowers, disbursing a cumulative amount of USD $116,611,327 with an affordable loan size of only USD $272 on average, which the rural entrepreneurs feel comfortable borrowing.

Our portfolio accounts for 52% in trade, 19.5% in manufacturing, 9.5% in agriculture and 19.5% in other sectors. Having this knowledge allows us to examine differences in performance by client characteristics, and thereby identify market niches, opportunities, and problems. This also helps us to know how we can balance and stimulate the economy.

Targeting the Youth: We are working to address the socioeconomic vulnerabilities of adolescent girls aged 13-24 through financial empowerment, capacity building, and life skills training through 180 clubs all over Tanzania. Over 1,000 older club members have joined microfinance groups to get access to customized loans, giving them an early opportunity to engage in some form of income generation.

Source: BRAC Website. Found at

China Foundation for Poverty Alleviation

Congratulations to this week’s winner of the Raffle for Institutional Action Plan submitters, the China Foundation for Poverty Alleviation!

Submit your IAP to be included in the next Raffle (download the IAP | submit your completed IAP)

The China Foundation for Poverty Alleviation (CFPA) Microfinance is China’s largest MFI and has been focusing on poverty alleviation for 16 years. We currently run 53 branches across 13 Chinese provinces and have maintained a client base of 100,000 since 2011. We target economically active low-income people and provide them with unsecured credit loans for the development of their agricultural interests or their small businesses, providing a strong solution to poor farmers’ shortage of capital. We are also very sensitive to gender issues. By the end of 2011, female borrowers accounted for 91% of our total active clients.

Microfinance as a concept was introduced to China in the early 90s and its original pattern has undergone great adjustment to be successfully operated within the Chinese social and economical environment. As one of the earliest MFIs in China, CFPA Microfinance not only stands the test of time but has added positive contributions to the development of the industry by actively sharing experiences with other organizations. We design our products with rural households’ best interests and demands at heart. Household surveys and market analyses are carried out periodically and lead to improvements on credit policies and loan services.

In 2011, CFPA Microfinance disbursed 111,237 loans, totaling RMB 1,074,256,700 (approximately USD$ 168,195,516.72), a growth of 60.71% and 88.76% year-on-year, respectively. The average loan size of CFPA Microfinance was RMB 9,657 (about USD$ 1,512), less than a quarter of the GDP per capita of China. 78% of loans were less than RMB 10,000 (around USD$ 1566), 7.3% of loans were less than RMB 5,000 (about USD$ 783). Throughout the whole year, CFPA Microfinance provided regular agricultural technical training activities conducted by local agricultural experts and provided clients with professional technical advisory services. It has also distributed over 10,000 books and other useful technical materials to its clients free of charge and trained nearly 20,000 people.

2011 was CFPA Microfinance’s “year of risk control”. Emphasizing the goal of “safety first and sound development”, the Company continued to improve its risk management system, enhance awareness of risk management, and focus on initiatives aimed at reducing risks associated with credit and personal safety. Following six months of preparation, a risk management department was formally established at the end of 2011, further strengthening the company’s risk management system.

In 2008, CFPA Microfinance was transformed into CFPA Microfinance Management Co., Ltd and given the responsibility for implementing and managing microfinance pilot projects. The company insists on the double bottom line principle and has put an even greater emphasis on managing its social performance since last year. A social performance working group was set up and social performance management was formally integrated into the corporate governance structure. The working group will submit a social performance report to the board of directors every six months.

In 2012, CFPA Microfinance will focus on its three major goals of “enhancing strength, maintaining steady growth and expanding influence” by further improving governance, growing capabilities, and reinforcing a solid foundation. First, the company will increase investments in streamlining processes, building systems, and training staff to further consolidate its foundation; second, aligned with the premise of risk control, the company will expand its business while maintaining stability, assigning priority to the poorest communities. Finally, the company will strengthen exchanges within the industry, promote public awareness, and undertake its social responsibility to promote the sound development of the non-profit microfinance industry.