Wednesday, June 22
09:00 – 13:00
This workshop is for MFI managers and network representatives who want to prevent client over-indebtedness. During the session, we will ask: what we can learn from previous over-indebtedness crises? What data we need to collect and analyze to make the good decisions about the level of debt our clients can safely take in a local or foreign currency? How can we ensure that our clients understand the risks of taking too much debt? What can we do when our clients do run into problem with too much debt? We will also hear first-hand experience from MFIs with first-hand experience of over-indebtedness crises.
|Moderator:||Kinga Dabrowska, Microfinance Centre (MFC), Poland|
|Panelists:||Daniel Freedman, Symbiotics, SA, Switzerland|
|Daniel Rosas, Mimosa project, Belgium|
|Senad Sinanovic, Partner Microcredit Foundation, Bosnia and Herzegovina|
|Davide Forcella, Centre for European Research in Microfinance (CERMi), Microfinance in Crisis EIB project, Belgium|
13:00 - 16:00
Credit scoring in microfinance: EaSI TA Thematic seminar on mutual learning
Even if the portfolio at risk of European microfinance sector has decreased in the last years, it remains on average quite high, and the financial crisis, high rate of unemployment, migrants and potentially worrying level of over-indebtedness highlight the importance of credit risk management for European MFIs. In addition to the traditional credit assessment based on loan officer-client relationship and the use of soft, informal tools to access information of clients’ creditworthiness, the use of formal and quantitative statistical tools, i.e. credit scoring, could improve the efficiency, reduce costs, increase loan officer productivity and improve MFI outreach. New technologies and database (e.g. big data) could foster the use of credit scoring. However, access to data, data management and implementation remain important barriers to overcome. Moreover, a good balance between institutional efficiency and loan officer-client relationship and social inclusion should be found.
The present workshop hence aims to respond to this compelling demand by the European microfinance sector and provide to the audience with:
- A picture of actual opportunities, strategies and challenges for credit scoring
- Existing experiences and outcomes of credit scoring implementation within European MFIs
- A platform for discussion and mutual learning for European MFIs about credit risk management
This workshop is sponsored by the fi-compass EaSI TA
14:00 – 16:00
What are MIMOSA reports? How do they differ from over-indebtedness surveys? How can I use them as an investor or an MFI? Spend two hours in this hands-on workshop to understand how to apply MIMOSA in your organization and thus be more certain that you are on a sustainable growth path.
|Moderator:||Daniel Rozas, Mimosa project, Belgium|
This workshop is organized by responsAbility.
16:30 – 19:00
MFC membership meeting: Planning the sector 20th anniversary celebrations
This meeting is for MFC Network members. The agenda includes:
- Highlights for our work: 2015 and 2016
- 2015 financial results
- Board member election
- World Café discussion about planning the sector 20th anniversary celebrations in 2017
Please note: Non-member MFIs can attend as an observers