Monitoring and Evaluation ... 

To reduce and eliminate loan delinquency and mismanagement of loan portfolios, one MFI introduced new and flexible loan terms, improved group methodology, and motivated field staff with retraining, incentives, workshops etc. This was followed with proper reporting systems and computerization that resulted in better performance and improvement in growth of loan quality and number of browwers.


Focus on Transperancy ... 

Two officers if a programme were misappropriating loan receipts. There were other problems of repayment schedules. To solve the problems, the programme managers turned to the legal system to identify and rout out the officers and bring discipline in loan repayments.


Turning around a crisis ... 

In order to retrain and re-educate branch managers, one programme that was having a repayment crisis, organized a series of workshops to raise their committment and dedication. They realized that it was necessary to operate on sound business principles so that credit discipline and clear decision-making systems could be put in place.


Targetting the real customers ...

In order to effectively target low-income customers, a microfinance programme in Latin America first increased its number of outlets so that customers always had an outlet close to their place of work/home. It then built up a modest loan portfolio quickly, so as to have good circulation of money. Finally, in order to be efficient, it modernized its computerized information system so as to be able to coordinate its various financial and administrative activities.