Technical Assistance Provider Search - Serge BRAYER

Serge BRAYER
Base country: France
Contact information Email: public.partnerships@positiveplanet.ngo
Institution POSITIVE PLANET http://www.positiveplanet.ngo/ ( Institution ) Countries Worked in Burkina Faso, Cameroon, China, Comoros, Congo, The Democratic Republic of the, Côte d'Ivoire, Egypt, Ghana, India, Lebanon, Madagascar, Myanmar, Nepal, Senegal, South Africa Languages Spoken English (United Kingdom), French (France) Areas of Expertise Participate in impact assessments, Analyze the institution as a whole and determine how to integrate social performance into both the strategic plan and all operational areas., Provide non-financial services (e.g. education program), Strengthen governance to improve management/board capacity to manage social performance, Conduct market research, Develop new microfinance products and services., Develop appropriate delivery models and channels (e.g., training of agents and/or clients for responsible digital financial services.), Conduct quantitative research and analysis of clients (e.g., client satisfaction surveys, client focus groups, client exits), Improve human resources (e.g., recruitment, hiring, training, staff incentives), Incorporate a gender perspective
Tools Used SPI4, Smart Campaign Client Protection Assessment, MicroFinanza Rating social rating, Planet Rating social rating, Quality Audit Tool (QAT) Trainings Provided Name of Client: REGMIFA TA Facility
Beneficiaries: 13 Partner Lending Institutions (PLIs) in Sub-Saharan Africa
Services provided: Training and Mentoring Activities on Social Performance for Board members and Managers of the Institutions
1. Social performance framework, its measurement and management, including USSPM.
2. Compliance with Client Protection Principles (CPPs): best practices in client protection, how to better monitor and to improve CP practices
3. Compliance with REGMIFA’s covenants : social risks included in risk management (including the role of the compliance officer in practical risk management), social performance reporting, environmental guidelines, exclusion list, reporting to MIX, Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT).
4. Focus on the use of the following tools: Social Performance standard report (MIX), Client Protection Self-Assessment for MFIs (SMART Campaign), Transparent Pricing tool (MF Transparency), SPI4 (Social Performance Indicator tool version 4) CERISE

Name of Client: EU/AFD
Beneficiaries: 11 emerging MFIs in Western Africa
Services provided: Training on Financial transparency
Years of Experience 10+ years Type of Stakeholder Experience Regulated microfinance institutions
References
REGMIFA TA Facility Names of service providers worked with: 13 Partner Lending Institutions (PLIs) in Sub-Saharan Africa:

- ACEP Cameroon
- Aquila (Nigeria)
- Finadev Benin
- Grooming (Nigeria)
- Kixicredito (Angola)
- Letshego Rwanda Limited
- Letshego Uganda Limited
- Mf Finance (Zambia)
- Musoni Kenya
- Pride Tanzania
- Ugafode (Uganda)
- UIMCEC (Sénégal)
Country: Angola, Benin, Cameroon, Kenya, Nigeria, Rwanda, Senegal, Tanzania, United Republic of, Uganda Subject of the work: The project aimed at improving Social Performance Management (SPM) and Consumer Protection (CP) by a Gap Analysis, Work Plan and Capacity Building for Board members, Key Management and Middle Management Staff, to 13 Partner Lending Institutions (PLIs) in Sub-Saharan Africa.
Helping a number of REGMIFA Partner Lending Institutions (PLIs) to strengthen their knowledge and capacity to respect and achieve more effectively social and environmental goals so as to ensure an effective strategy to balance financial and social considerations in decision-making and for keeping reputational risk under control minimizing the probability of losses that are typically caused by damages to the institutional image.

The specific objectives were:
- To increase the understanding of social performance best practices and stimulate the governance and management buy-in of the importance to achieve social goals.
- To build awareness and enhance the internal capacity of the Institution to achieve more effectively social goals.

The implementation partners:
- Planet Rating (Positive Planet Group)
- MicroFinanza Rating
- CERISE
Duration of project: 13 months Outputs/work produts: Stage 1: Gap Analysis, Training Needs Assessment and Work Plan
1. Performed a gap analysis on the SPM System (e.g., mission, governance and strategy; tracking and monitoring system, HR alignment), the Client Protection and the Social Responsibility of the Institution, aligned with the Universal Standards of SPM (USPPM) of the SPTF.
2. Based on the outcome of the gap analysis (task 1), development of a first draft work plan which included a set of recommendations and/or a road map (for each gap identified) on how to improve the social performance of the Institution.
3. Carried out a Training Needs Assessment (TNA) of the Board members and the managers with the Human Resource (HR) Manager of the Institution on SPM and CPPs.
4. Organized a workshop with the governance body and management of the Institution to:
- Review together the gap analysis between findings and practices.
- Discuss interactively about strategic priority items proposed by the consultant and the specific actions to be implemented which could be integrated in the strategic planning of the Institution.
- Decide which component(s) of the SPM will be addressed in the second part of the project (capacity building activities).

Stage 2: Training and Mentoring Activities on Social Performance for Board members and Managers of the Institution
1. Social performance framework, its measurement and management, including USSPM.
2. Compliance with Client Protection Principles (CPPs): shared the best practices in client protection and focus on how better monitor and improve the Institution’s CP practices.
3. Compliance with REGMIFA’s covenants : social risks included in risk management (including the role of the compliance officer in practical risk management), social performance reporting, environmental guidelines, exclusion list, reporting to MIX, Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT).
In addition, the mentoring/coaching activities focused on the use of the following tools:
- Social Performance standard report (MIX).
- Client Protection Self-Assessment for MFIs (SMART Campaign).
- Transparent Pricing tool (MF Transparency).
- SPI4 (Social Performance Indicator tool version 4) CERISE

Stage 3: Phasing-out activities
1. Ensured uptake and continuity of the training measures in the Institution through Training of Trainers’ sessions (ToT) for a selected number of key management staff.
2. Developed, jointly with the HR department, a training program for further facilitation for some key management staff based on the implemented capacity building activities (stage 2).
3. Organized a closing-out workshop of the TA assignment with the senior management and the Board of Directors of the Institution. The workshop evaluated the achievements of the project and discuss the recommendations for the future.

Reference at organization that hired you: Nelly Elimbi taf@regmifa.com Reference at financial service provider with which you worked:
European Commission/Agence Française de Développement Names of service providers worked with: Three (3) networks of Microfinance Institutions in the Philippines, Cambodia and Viet Nam:
- The Microfinance Council of the Philippines Inc.
- The Cambodia Microfinance Association
- The Viet Nam Microfinance Working Group.
Country: Cambodia, Philippines, Viet Nam Subject of the work: The aim of this programme was to reinforce the capacities of Microfinance Institutions (MFIs) to enhance and deepen financial inclusion to improve food security of small farm households in Southeast Asia through integration of social impact and financial literacy in Cambodia Vietnam, and the Philippines. Duration of project: 3 years Outputs/work produts: 1. Agri Microfinance Products:
12 AMF products were developed. 12 MFIs tested these products. The total number of loans for the 12 piloting MFIs is of 2698 loans fon an amount of nearly 1.1 million euros. For months after the projects, an additional 2206 loans were made, for a total value of nearly €1 million, showing that MFIs were confortable in implementing these AMF products without assistance from the project staff. In the Phillipines, Lamac Multi-Purpose Cooperative and Paglaum Multi-Purpose Cooperative (two MFIs) went even further, enhancing their product through the introduction of integrated farming systems and value chain financing.

2. Integration of SPM
52 MFIs participated in SPM training (for an initial target of 45) and 17 adopted SPM in their organizations (initial target of 15). Comparing the final social performance audit results with the baseline, MFIs in Cambodia experienced a 21% improvement in their social performance and Vietnamese experienced a 16% improvement. Project MFIs in Cambodia now score 23% higher than their counterparts on social performance; project MFIs in Vietnam are now equal to their peers. Philippines MFIs scored lower on their final social performance audit versus the baseline, though this is attributable to an inflated sense of their own social performance at the beginning of the project. Philippines MFIs are now much more critical of their own contribution to the economic and social benefits to their clients and their social responsibility to employees and the environment.

3. Financial Literacy and Client Protection (FL)
25 MFIs received training on financial education and client protection. 224 field staff were trained to become trainers on financial education, versus a deliverables target of 60. The 196 financial education trainers in the Philippines cascaded the training to 523 staff of their MFIs. In the end, 42,372 clients were trained by those trainers. Four months after project implementation ended, an additional 28,207 clients were trained on financial education. All but two Cambodian MFIs continued to roll out the training, demonstrating that it had been successfully mainstreamed in their service delivery. by May 2013 the Fund for Thanh Hoa Poor Women had trained half their clients, and Ha Tinh Women and Development Fund had trained 80% of their clients. Compared to before the training began, savings per client doubled for Thanh Hoa (from €30 to €63) and tripled for Ha Tinh (from €3 to €11). Overall, the deposit base of Thanh Hoa rose from €364,000 to €953,000 and that for Ha Tinh rose from €59,000 to €242,000. This is at least partially attributable to the financial education training program. 25 MFIs have client protection policies embedded in their AMF products. 9 MFIs have posted their pricing (interest rate) data on the website MFTransparency.org.

4. Network Strengthening and Knowledge Exchange
All 3 national microfinance networks are actively monitoring and facilitating the implementation of all components of the project. 4 peer learning exchange visits were conducted.3 cross visits were conducted, versus a target deliverable of 3. 4 learning exchanges with European practitioners were facilitated. One learning exchanges with US practitioners was also facilitated.
Reference at organization that hired you: Reference at financial service provider with which you worked:
European Commission, AFD Names of service providers worked with: 11 Microfinance Institutions:
- ASACASE
- CAURIE-MF (SN)
- Jigiyasoba
- Kondo Jigima
- Soro Yiriwaso (ML)
- ALIDE
- PAPME
- RENACA (BN)
- CVECA – BM
- URC-BAM
- MUFEDE-B (BF)
Country: Benin, Burkina Faso, Mali, Senegal Subject of the work: The aim of this programme was to promote and strengthen financial transparency in 11 emerging DFS (Decentralized Financial Systems) in Western Africa by :
- Participating to the development of inclusive finance, to allow all Africans to have access to financing (Dakar Conference)
- Enabling the poorest people to have a permanent access to financial services
Duration of project: 2 years Outputs/work produts: 1. Improve capacities
- Evaluation of the necessary DFSs' capacities improvements to be made
- Drafting of a program with training modules for the partner DFSs' staff (managers, credit officers, administrative officers)
- Training for the partner DFSs' staff
- Drafting/ Strengthening of the financial analysis system plan in partner DFSs

2. Support to Management and Information System
- Diagnosis of MIS at partner DFSs
- Improvement of MIS
- Review of administrative, accounting and financial processes
- Assistance through the setting up or improvement of MIS and processes

3. Support to the improvement of in-house audit
- Improvement of the in-house audit plan
- Assistance to account audit of partner institutions

4. Capitalisation and exchange of good practices
- Assistance to DFSs through publication of information
- Realisation of a benchmark fo partners with the sector in the WEMU area
- Facilitation of exchange of experience between DFSs
- Evaluation and closing of the project
Reference at organization that hired you: Reference at financial service provider with which you worked: