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Effective group lending

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Improving poverty outreach case study - available now

Started Dec 15, 2011

What are the key barriers to effective group lending? Share your experience!
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Started this discussion. Last reply by souren ghosal Oct 1, 2011.

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Improving poverty outreach case study - available now

Dear allPlease note that there is a newly available case study on the subject of how MicroLoan Foundation has operationalised poverty outreach in Malawi. If you'd like to see the case study which is available on the Social Performance Taskforce website please follow this link: http://sptf.info/sp-task-force/online-trainingsAlternatively if you would like to listen to the webinar presentation on the same topic please…See More

Dec 15, 2011

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Daniella Hawkins added a discussion to the group Effective group lending

More opportunities to feed into the effective groups debate!

After so much useful input from SPM Network members into the ‘making groups more effective’ discussion on the network in October, I wanted to let you know how the follow-up meeting on the same topic went. It took place ahead of the Microcredit Summit in Valladolid, Spain, in November and involved a range of experienced group practitioners. Your contributions from the October e-vent proved invaluable in shaping the debates in Spain, which centred on some of the apparent contradictions within the…See More

Dec 1, 2011

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Malcolm Harper replied to Daniella Hawkins's discussion Day 2 of group lending debate: what is the relevance of groups? in the group Effective group lending

"Thank you Christian. I spent the day with colleagues from Homeless International looking for 'models' of financing urban housing development for poor people, and I concluded, more or less, that although we can use general guidelines…"

Oct 14, 2011

Christian Chileshe replied to Daniella Hawkins's discussion Day 2 of group lending debate: what is the relevance of groups? in the group Effective group lending

"I agree with you Malcolm and think that, rather than looking for a position and reason on a matter ("it is good because . . .", "it is bad because . . ." or even "it is somewhere here or there"), we should constantly…"

Oct 14, 2011

Malcolm Harper replied to Daniella Hawkins's discussion Day 2 of group lending debate: what is the relevance of groups? in the group Effective group lending

"Thank you so much for this, I am sorry if my thoughts tend to appear confrontational. I do believe that good can come from the play between thesis and antithesis, and although much of the recent anti-microfinance noise has been absurd, so too was…"

Oct 13, 2011

Anton Simanowitz replied to Daniella Hawkins's discussion Day 3 of group lending debate: How to make groups effective for risk management? in the group Effective group lending

"Dick, an interesting question. I've heard this issue being raised a number of times - good field officers know how best to work with the group, are flexible with loan sizes etc. Unfortunately at the same time there always seem to be more staff…"

Oct 13, 2011

John Hatch replied to Daniella Hawkins's discussion Day 2 of group lending debate: what is the relevance of groups? in the group Effective group lending

"This is my first contact with the group discussion. I find merit in all the arguments presented so far, pro and con. Nobody is absolutely right; nobody wins this discussion. To my mind one possible way to make group lending more viable is to go…"

Oct 13, 2011

John Hatch, Daniel Rozas and 5 other members joined Daniella Hawkins's group

Effective group lending

Oct 13, 2011

Richard L. Meyer replied to Daniella Hawkins's discussion Day 3 of group lending debate: How to make groups effective for risk management? in the group Effective group lending

"An issue that is not clear to me from this discussoin is the extent to which the MFI gives flexibility to the loan/credit officer/group organizer to use his/her ingenuity to decide how to use the group. I was surprised to find in a…"

Oct 13, 2011

Daniella Hawkins replied to Daniella Hawkins's discussion Day 3 of group lending debate: How to make groups effective for risk management? in the group Effective group lending

"Here’s what you told us today about making groups effective for risk management Once again the day’s debate – this time on the topic of how to make groups effective for risk management – has resulted in active…"

Oct 12, 2011

Imran Matin replied to Daniella Hawkins's discussion Day 3 of group lending debate: How to make groups effective for risk management? in the group Effective group lending

"I would like to support very much the idea of multi purpose groups, or groups as gateways for the poor to access other services. Effective groups are solutions to one of the key problems faced by any service provider interested in the BoP segment---…"

Oct 12, 2011

Imran Matin replied to Daniella Hawkins's discussion Day 3 of group lending debate: How to make groups effective for risk management? in the group Effective group lending

"Again, in terms of preventive and mitigating measures, groups can be very powerful sources of insights and information. It also acts as a platform of triangulation of information. If loan officers and their supervisors are trained to use this…"

Oct 12, 2011

Imran Matin replied to Daniella Hawkins's discussion Day 3 of group lending debate: How to make groups effective for risk management? in the group Effective group lending

"Joint liability is an over sold concept about how groups actually work in practice. Denying or delaying loans to good borrowers for bad borrowers seldom works to increase repayment or reduce default risk. The group concept should be and is used to…"

Oct 12, 2011

Christian LOUPEDA replied to Daniella Hawkins's discussion Day 3 of group lending debate: How to make groups effective for risk management? in the group Effective group lending

"Great discussion! I agree with Anton about the importance of the effectiveness of the group that I think is the responsibility of the MFIs. One of the biggest problems for me is that most of the time groups are created based on the narrow need of…"

Oct 12, 2011

Chris Linder replied to Daniella Hawkins's discussion Day 3 of group lending debate: How to make groups effective for risk management? in the group Effective group lending

"I am glad Anton brought up #3 above because most of the discussion has been mainly around Risk Mgmt for the MFI. Whereas since we are talking about SPM, we should be thinking about risk management equally as much on the client's…"

Oct 12, 2011

Daniel Rozas replied to Daniella Hawkins's discussion Day 3 of group lending debate: How to make groups effective for risk management? in the group Effective group lending

"I'd think it'd be the responsibility of the MFI to do the appropriate analysis on the "brother" of the street. Or is the MFI really in the business of outsourcing credit risk to poor clients? What happens when a good client…"

Oct 12, 2011

Profile Information

Organisation name (Nombre de su organización): MicroLoan Foundation

Type of organisation (Tipo de organización): Microfinance institution

Country(ies) where you work (País[es] donde trabaja): Malawi

Job title (Cargo en el trabajo): SPM Champion

Organisational mission statement (Misión de la organización): UK-based microfinance charity providing small loans, business training, and continuing guidance to groups of women in sub-Saharan Africa.

Why are you interested in SPM? (Porqué esta interesado en GDS?): Part of my day to day work with MicroLoan Foundation.

Comment Wall (3 comments)

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At 14:00 on October 10, 2011, Elikanah Kiarie Ng'ang'a said…: Hi Daniella

When i used to be a credit officer other credit officers from other MFIs tried all means to get my groups from me.I used to wonder why they could not go out and form groups of their own.I knew the area i worked had many unreached clients but it was hard work to form the groups and train them and that was the reason other MFIs officers wanted the groups.Because of this some of my clients started borrowing from the other MFIs and the issue of some members having many loans affected myself and other credit officers.MFIs should devote funds to train solidarity groups about this danger and also credit officers need to go out and reach out to solidarity groups that are new in microfinance.

At 16:57 on October 7, 2011, Carmen Velasco said…: Daniella,

I am ready for the discussion! I hope every thing is OK

At 10:12 on September 3, 2011, Tom Okoth said…: Hi Daniella,

I think this is a good way of networking towards bridging a gap in our different ways due to the fact that the micro-finance challenges in various geographic areas are diverse. I am optimistic this forum shall allow us have a common interface of sharing these challenges.