MFIN Microfinance Awards 2018

In Pursuit of Excellence

Nomination Formfor Scheduled Commercial Banks and Small Finance Banks

Note:

  • Eligibility Criteria: The nominations are exclusively open for MFIN members, associates and affiliates
  • Mandatory Documents: Kindly send the completed nomination form along with thestandalone Annual Reports/Audited Financial Resultsand schedules for FY15, FY16 and FY17. For companies with year-end other than March 31 may send their latest standalone financial statements.Financial statements(Standalone), along with the banker’s confidential report, are mandatory for the purpose of participation
  • Additional Literature: Companies are also encouraged to share additional information in their various areas of excellence through client testimonials, credit rating report, presentations and other awards received as part of the business etcetc. that would lend more credibility to their nomination
  • Information: To be provided pertaining to the micro finance business only
  • Confidentiality: Information shared by the companies will be kept confidential and used only for the purpose of MFIN Microfinance Awards 2018
  • Deadline: Last date for receiving completed nominations along with FY16 and FY17 standalone financial statements is 12th April 2018

Key Instructions

  • Section A –General Information (Mandatory)
  • Section B (Banks can choose multiple award categories for nomination and fill the respective annexure/s accordingly)
  • Section C – Declaration (Mandatory)

Award Details

A total of 10 awards viz – five award categoriesfor each of the below two segments -

ss

Award Categories

(Please tick the category you are interested in nominating. Companies can tick multiple categories)–


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Award Categories / Please tick / Annexure to be filled in Section B
Risk and Resilience Framework / I
Microfinance Plus Activities / II
Effective Grievance Redressal Systems / III
Customer Literacy and Capacity Building / IV
Positive External Image Building / V

Section A (Mandatory)

A.1 Organizational Details

Registered Name:
Registered Address:
Telephone: / Website:
Year of establishment: / Year of commencement of microfinance business:

A.2 Are you a member / associate / affiliate of MFIN? YesNo

A.3Senior Management (Chairman/Managing Director/ Owner/CEO/Directors)

Name / Designation

A.4 Financial and Operational Details(All information to be provided only for micro finance business)

Financial Indicators

Financial Indicators (In Rs. crores) / FY15 / FY16 / FY17
Total Income
Income from micro finance portfolio
Direct lending to microfinance clients
Loans disbursed through MFIs
Total microfinanceloans disbursed
Total microfinance loans outstanding
Total deposits from Microfinance clients
Profit After Tax
Gross NPAs from microfinance business
Total NPAs written-off from microfinance business
Cap-ex to Op-ex ratio

Operational Indicators

Operational Indicators / FY15 / FY16 / FY17
No. of active microfinance clients
No. of JLGs served
No. of states covered
No. of villages covered
No. of branches designated for microfinance business
No. of employees for microfinance business
Avg. No. of employees per microfinance branch

Average loan ticket size (Individual borrower) (in Rs.): FY15: ______FY16: ______FY17: ______

A.5 Please provide following details for microfinance business by attaching separate sheets –

  • Business model and its impact
  • Major areas of micro financing lending

Section B: Annexure I –Risk and Resilience Framework

  1. Kindly provide details for Microfinance Business:(In Rs Crores)

Parameters / FY15 / FY16 / FY17
Total microfinance Loans Disbursed
Total microfinance Loans Outstanding
Total number of borrowers
Gross NPA Amount
Net NPA Amount
NPAs written-off
Portfolio at Risk (PAR) 30 (in %)
Total amount of microfinance loan defaults
Total number of micro loan defaulters
  1. Kindly state the bank’s risk and resilience structure. Also, kindly share the details on risk evaluation processes.

(Kindly provide as much details as possible by attaching additional sheets. Kindly share the literature on the bank’s risk management policy)
  1. How does the bank identify, capture and evaluate various risks that impact the microfinance business? Kindly share the details of the process involved including the role of the risk committee.

(Kindly share the details as much as possible by attaching additional sheets)
  1. Post capturing and evaluation of the risks, how does the bank report the risks and the hierarchical structure for reporting (i.e. to whom in the organization – example – to the Board)?

(Kindly share the details as much as possible by attaching additional sheets)
  1. What are the processes involved in risk reporting?

(Kindly share the details as much as possible by attaching additional sheets)
  1. Have these reporting had an impact on the bank’s risk policies? Kindly share the details of the policy changes.

(Kindly share the details as much as possible by attaching additional sheets)
  1. Please give details about third party evaluation for statutory compliance.

(Kindly provide the details along with the evaluation report) including self-assessment score cards
  1. How does the bank assess the credit worthiness of the borrowersfrom the microfinance segment and monitors the credit? Kindly provide the details of the process involved.

(Kindly provide as much details as possible by attaching additional sheets)
  1. Kindly give description ofthe bank’s loan recovery process for microfinance clients and the compliance with statutory regulations.

(Kindly provide as much details as possible by attaching additional sheets)
  1. Does your bank have Credit Rating? Yes No

If yes, kindly provide the following details:

Rating ______Name of Rating Agency ______Date of Rating ______

Section B: Annexure II - Microfinance Plus Activities

  1. Does your bank offer microfinance plus services to its microfinance clients? Yes No
  1. Kindly mention the year from which you have started offering microfinance plus services: _____
  1. Kindly describe the bank’s various microfinance plus services that you provide to borrowers.

(Kindly provide as much details as possible by attaching additional sheets)
  1. Kindy provide details of microfinance plus services -

Parameters / FY15 / FY16 / FY17
Total number of microfinance plus services offered
Amount spent on microfinance plusservices (Rs. crores)
Type of microfinance plus activities / Please tick if services offered / Number of clients reached
FY15 / FY16 / FY17
Financial literacy trainings
Skill development trainings
Financial assistance for education
Hunger and malnutrition programmes
Health awareness programmes (WASH)
Environmental programmes
Market linkage services
Value added services – financial and non-financial
*Others

*Please specify others and provide the required information: ______

  1. Does the bank provide assistance to borrowers on various Government schemes such as NREGA, insurance, pension schemes etc?

(Kindly provide as much details as possible by attaching additional sheets)
  1. (a) In case of natural disasterssuch as floods, storm, fire, earthquake etc in which the clients lose their assets or life, what financials or non-financial assistance does the bankoffer to assist these households to manage their finances during difficult times?

(Kindly provide as much details as possible by attaching additional sheets)

(b) Also, kindly highlight if the bank has collaborations with Disaster Management Agencies (DMAs) by providing the details of its activities?

(Kindly provide as much details as possible by attaching additional sheets)
  1. Kindly elaborate on the partnerships / collaborations with specialized organizations for providing microfinance plus services.

(Kindly provide as much details as possible by attaching additional sheets)

Section B: Annexure III- Effective Grievance Redressal Systems

  1. Kindly share the details of bank’s grievance redressal mechanism.

(Kindly provide as much details as possible by attaching additional sheets)
  1. Do you have a toll free number for grievance redressal? Yes No

If yes, Number of complaints received via toll free number – FY15: ______FY16: ______FY17: ______

If no, then what are the other sources of collecting grievances? ______

  1. What are the types of complaints received by the bank?

(Kindly provide as much details as possible by attaching additional sheets)
  1. Details of Grievance Redressal:

Parameters / FY15 / FY16 / FY17
Total number of Complaints
Total number of Complaints addressed
Number of Grievance Redressal personnel
Average number of hours taken to resolve the complaints
  1. What is the reporting mechanism and at what levels are the reports shared with?

(Kindly provide as much details as possible by attaching additional sheets)
  1. How frequently are the complaints reported and to which authority in the senior management are the complaints reported to?

(Kindly provide as much details as possible by attaching additional sheets)
  1. What was the impact on these complaint reporting on the bank’s policies?

(Kindly provide as much details as possible by attaching additional sheets)
  1. Details of Grievance Redressal Trainings

FY15 / FY16 / FY17
Number of grievance redressal trainings conducted
Frequency of grievance redressal trainings
  1. Kindly provide the details of the content that is shared during the grievance redressal trainings?

(Kindly provide as much details as possible by attaching additional sheets)
  1. What is current gender composition of the grievance redressal personnel?

No of male trainees: ______No of female trainees: ______

  1. Are the GRM personnel equipped to speak in varied local languages? (other than Hindi and English)

Yes No

If yes, kindly specify languages ______

Section B: Annexure IV - Customer Literacy and Capacity Building

  1. Does your bank conduct customer literacy programs for its microfinance clients?

Yes No

If yes, what type of literacy programs does your bank conduct for its microfinance clients?

Literacy Programs / Kindly tick
Wherever applicable / Duration of training (hrs) / Content of training / Model of delivery
Financial Literacy
Digital Literacy
Banking Knowledge
Debt Management
Investor Awareness
Government schemes
Any others, specify ______
  1. Details for customer literacy programs:

Parameters / FY15 / FY16 / FY17
Total number of programs conducted
Average number of attendees per program
Average number of attendees (Clients) per program
Average number of attendees (non-clients) per program
Number of villages covered under the program
Average cost incurred per program (in Rs lakhs)
Total cost of training programs
Of the total training cost, % training cost incurred by the bank
  1. How frequently are the training programs conducted?

Weekly Monthly Half-yearly Yearly

  1. How frequently are the outcomes of training reported and to which authority in the senior management are the outcomes reported to? What was the impact of these reporting on the bank’s policies?

(Kindly provide as much details as possible by attaching additional sheets)
  1. Are you raising money for customer literacy? Yes No

If yes, which sources are you using to raise the money? ______

  1. Do you have your own personnel to conduct customer literacy programs? Yes No

If yes, how many personnel do you have on-board to conduct customer literacy programs? ______

If No, kindly move to (Question 7)

  1. Has your bank tied-up with training institutes to deliver/conduct literacy programs?

Yes No

If yes, kindly share the details of Top 3 institutes with whom you have tied-up:

  1. Name of the Institute:

Address:
Contact Person: / Contact number:
  1. Name of the Institute:

Address:
Contact Person: / Contact number:
  1. Name of the Institute:

Address:
Contact Person: / Contact number:

Section B: Annexure V - Positive External Image Building

  1. Details for Image management

Parameters / FY15 / FY16 / FY17
Frequency of media interactions
Total number of mediacampaigns
Amount spent on media campaigns (Rs. crore)
Amount spend as % of operational costs
  1. Kindly provide the details of various campaigns undertaken for information dissemination about the microfinance sector through media interactions, social media, newsletters etc.

(Kindly provide as much details as possible by attaching additional sheets)
  1. Do you have a dedicated communications and public relations personnel / PR agency?

Yes No

If no please specify the reason: ______

In case of PR agency, please provide details of the same (name and contact number) ______

  1. What steps has the bank taken to strengthen the image of the microfinance sector?

(Kindly provide as much details as possible by attaching additional sheets)

Section C: Declaration (Mandatory)

This is to certify that all information in nomination form and attached documents, materials, etc. is true and correct to the best of my knowledge

Respondent Name: ______Designation: ______

Mobile No: ______Telephone: ______

Date and Signature: ______

Email Id: ______Stamp: ______

Please send the completed nomination form along with financial statements and supporting literature to:

Yogesh Jambhale: (022-66801348)

Omesh Kandalkar: (022-66801346)

Address: Dun & Bradstreet Information Services India Pvt. Ltd., ICC Chambers 2, 2nd Floor, Near Saki Vihar Telephone Exchange, Saki Vihar Road, Powai, Mumbai - 400072

Board line: 022-66801300; Fax: 022-28476281/82


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