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Implementing the client protection principles : a technical guide for investors (English)

This guide continues to be a ‘living’ document that will be updated as practice evolves. Investors are strongly encouraged to provide feedback on how to improve this guide and to share additional material that could be included. The Guide is organized as follows: section two describes the principles and their importance to ensuring sustainable microfinance development that serves the best interests of clients. Section three provides an update on the smart campaign. Section four offers practical advice on approaches and tools to incorporate the principles into investment processes. Section five highlights questions that investment organizations are facing and emerging responses. Finally, section six provides a list of resources and tools.

Details

  • Author

    Forster,Sarah Jacqueline, Lahaye,Estelle Marie, Clark,Heather Anne, Koning,Antonique M., McKee, Kate

  • Document Date

    2010/11/01

  • Document Type

    Working Paper

  • Report Number

    95976

  • Volume No

    1

  • Total Volume(s)

    1

  • Country

    World,

  • Region

    The World Region,

  • Disclosure Date

    2015/04/24

  • Disclosure Status

    Disclosed

  • Doc Name

    Implementing the client protection principles : a technical guide for investors

  • Keywords

    protection can;access to external finance;microfinance;due diligence process;Effective interest rate;responsible finance;retail financial institution;social performance;development finance institution;annual percentage rate;code of conduct;Code of Ethics;high growth rate;interest rate data;debt collection process;law and regulation;Type of Investment;social and environmental;privacy of individual;capital adequacy standards;triple bottom line;cash flow analysis;expenditure survey data;internal control system;Portfolio at Risk;financial service provider;financial literacy initiative;social performance assessment;excessive interest rate;risk management system;credit risk assessment;financial service provision;credit bureau information;bank secrecy law;credit bureaus;investment policy;financial product;portfolio growth;data privacy;microfinance institution;shareholder agreement;annual reporting;consumer protection;mandatory reporting;grant funding;regular monitoring;transparent pricing;portfolio quality;data sharing;investment process;microfinance client;equity investor;apex organization;disclosure regulation;social investor;macro level;intense competition;low-income population;disposable income;multiple loan;Legal responsibility;investment fund;protection policy;social mission;personal information;credit scoring;investor return;mature market;financial crisis;local law;repayment capacity;lending practice;consumer finance;reputational risk;market environment;market saturation;credit discipline;international network;microfinance market;credit analysis;financing agreement;credit decision;collaborative process;loan size;promoting competition;microfinance industry;lending data;long-term relationship;field visits;equity limitations;Marketing Material;commercial lender;social issue;minimum level;enhancing transparency;credit product;market level;systems development;market penetration;debt service;protection indicator;lending decision;price incentive;mandatory saving;cash collateral;local market;national household;existing credit;commercial investment;monitoring process;ethical practices;industry player;Advisory services;credit application;full disclosure;performance reviews;household expenditure;market signal;social impact;Management Systems;loan contract;equity fund;organizational form;financial indicator;local counsel;applicable law;corporate governance;legal clause;screening procedure;standard practice;responsible banking;assessment criterion;ethics code;incremental process;loan underwriting;loan restructuring;staff rule;incentive system;privacy policy;individual jurisdiction;express permission;Credit History;unfair treatment;ethical behavior;financial situation;competitiveness concerns;Data Protection;financial regulator;Performance Standards;fund management;limited partner;board meeting;financial risk;nonperforming loan;investment vehicle;repayment crisis;legal commitment;certification process;business interest;ethics policy;potential conflicts;public support;explicit provision;portfolio sale;sophisticated consumer;standard clause;credit provider;rigorous standards;global effort;driving force;rural bank;credit union;banking industry;loan product;financial market;low-income people;payment product;credit base;debt repayment;business model;individual loan;loan repayment;small loan;income dimension;consumer awareness;internal capacity;lending cycle;mainstream banking;investor community;microfinance sector;finance initiative;adequate care;interest charge;ethical standard;adequate safeguard;lending process;pricing policy;prudent financial;microfinance practitioner;investor interest;branchless banking;internal policies;financing practice;political risk;local regulation;business process;protection standards;investment opportunities;debt funding;apex institution;loan application;education strategy;financial system;monitoring tool;official statistic;competitive market;

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Citation

Forster,Sarah Jacqueline Lahaye,Estelle Marie Clark,Heather Anne Koning,Antonique M. McKee, Kate

Implementing the client protection principles : a technical guide for investors (English). Washington, D.C. : World Bank Group. http://documents.worldbank.org/curated/en/994401467986238118/Implementing-the-client-protection-principles-a-technical-guide-for-investors