Client Protection

Client Protection assessment is a diagnostic tool for microfinance institutions to thoroughly examine their implementation of the Client Protection Principles.

The assessment takes your institution through a process of internal review to identify strengths, weaknesses, and ultimately opportunities to enhance its client protection practices.

Inclusion [Social Ratings] can support your organization to conduct either an Accompanied Self-Assessment or a Smart Assessment (Client Protection Assessment).

Accompanied Self-Assessment

For organizations that require some guidance and if external validation is desired.

Smart Assessment

A Smart Assessment provides
 an exhaustive, independent
 view of a financial institution’s client protection practices. If your organizations is capable of providing more internal resources, you can work with a specially trained Smart Campaign accredited CPP assessor. More than one assessor will be appointed and they will conduct an in-depth analysis and produce a full narrative report.

Client Protection Principles

  1. Appropriate product design and delivery
  2. Prevention of over-indebtedness
  3. Transparency
  4. Responsible pricing
  5. Fair and respectful treatment of clients, staff ethics, and non-discrimination
  6. Privacy of client data
  7. Mechanisms for complaints resolution

Why do a Client Protection Assessment?

  1. Understand how well your organization protects its clients
  2. Demonstrate your organization's good practices to investors and donors with a client protection standard
  3. Give confidence to investors and potential donors
  4. Prepare your organization for a Smart Certificate
  5. To distinguish your organization in the market as a pro-client organization

Inclusion has analysts certified by Smart Campaign that can support an MFI conduct a client protection assessment. See here for more information about the Smart Client Protection Campaign.
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