Tools and Templates
Disclosure statement (People's Bank of Caraga, the Philippines)
This disclosure statement helps the provider provide key information to clients regarding bank charges, interest rates and other fees.
Transparency in Promotions and Sales: A Checklist for Financial Service Providers
The tool contains five “good practice” checklists for transparent communications during promotions and sales. These checklists allow providers to check their own practices when selling individual loans, group loans, savings products, and products to clients with extra needs.
Essential Documents for New Clients
This toolkit provides guidelines for, or examples of the following documents that all providers should provide to their new clients. The Loan Contract Guidelines (page 7), Loan Contract Summary & Repayment Schedule (page 11) are particularly important to transparency.
Loan Agreement for Small Business Clients (JSC MFO Crystal, Georgia)
This sample “plain language loan contract” from JSC MFO Crystal, Georgia monstrates how providers can clearly communicate loan terms to their clients. Other providers can use it to improve their own loan contracts.
Loan Contract Summary Handout (Mibanco, Peru)
This sample “plain language loan contract” from Mibanco, Peru demonstrates how providers can clearly communicate loan terms to their clients. Other providers can use it to improve their own loan contracts.
Pre-group training manual (Muktinath Bikas Bank, Nepal)
This staff training manual covers key aspects of effective group formation, including key staff qualities, client training, product comparision, clear information disclosure. Relevant in this context is the content delivered on the fifth day, which covers training clients on interest rate calculations.