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“To inspire the marginalized women and
their families to discover their God- given
dignity and enabling them to rise above all
forms of poverty and respond to social and
environmental concerns.
To deliver excellent professional service
with a team spirit.
To Share with other anti- poverty institution
and organization our expertise grounded on
experience”.
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The effective translation of our mission into
practice (social performance management) is
guided by the following four dimensions.
Outreach
to the
poorest
Adaptation
of Products
& Services
Corporate
Social
Responsibility
Empowerment
&
Participation
Membership
Portfolio
Management
Staff,
Members &
Community
Member’s
Leadership
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Using PPI as a tool to ensure the recruits are from the
target “bottom 50% poor women”. (We survey the whole
community to establish it’s potential
Adding just a few social indicators to the survey (eg.
family size, house ownership, size and quality, ) set a
baseline for comparison over time
Survey repeated only once a year efficiently provides
member’s progress. The system allows comparison of
poverty probability for loan size, years of membership,
product use through link to loan tracking database
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Using a simple database system provides instant reporting
for Branch management. (No special Research
Department exists)
Finally surveying all exiting members allows us to see if
ASHI has been of any help!
PPI allows use to compare an the resulting index with the
National Poverty Level to establish the probability of the
individual, or group of being among the poorest.
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Professor Muhammad Yunus founder of Grameen
Defines Micro-credit as “small loans with small frequent
Bank
repayments”…
“…if a borrower fails to pay, one should not be quick to blame the
borrower but the Designer of the Institution who fails to do the
ASHI product design
job” policies
1
2
3
4
5
Longer loan terms to consider a Member’s cash flow
Advance through the cycle based member’s choice or credit
rating
Strict monitoring of use of loan according to contract
A variety of products for situations and needs
Response system for members with difficulties
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Loan
Products
General
Loan
Savings
Products
Personal
savings
Children’s savings
(educational)
Group
savings (public funds)
(business)
Educational Loan
House Repair
Agri
Loan (linked to croppping
Loan
cycle) Loan (linked to business
Enterprise
cycle) Loan for victims of calamity and fortuitous
Special
events
Insurance Savings
Damayan
members insurance benefit
Products
savings savings
Pension
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The ASHI Leadership
Path
Grameen Groups
Center Chief
Branch Officer
Board Representative
Member’s training curriculum for Group Chair and Center
Chief Community
prepare the leader
for more responsibility
Leadership
Opportunities
Barangay Chair
Barangay Council
Politica
l
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Parish Council
School Council
Education
al
Womens & Childrens
Spiritua
l
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Group Chair and Center Chief have a responsibility
in monitoring the loan process
Regional consultation with the President, focus on
a product or issue and result in changes and
improvements
Each region elects a representative to the Board
they have full voting rights and attend all
meetings
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Focus success
away from
traditional
performance
figures
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Improved
organizational
communication
Improvement
in the lives of
ASHI’s
members in
economic &
social terms
Members
acquired not
only selfconfidence but
also dignity
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[email protected]
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