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Thursday, January 9, 2025

Taking the Pulse of the e-MFP Traders Motion Group and Cerise


Authors: Célia Fernandez & Joana Afonso.

The e-MFP Traders AG and Cerise+SPTF, by way of SPTF’s Outcomes Working Group and Cerise’s LabODD (SDG Lab), have been engaged on outcomes administration and measurement since 2015. Successive initiatives have raised consciousness amongst totally different stakeholders and developed instruments to assist the mandatory and sophisticated job of measuring shopper outcomes, analysing the findings and changing these findings into motion – managerial selections to enhance present applications and design new services and products that successfully reply to totally different purchasers’ wants.

Children in Africa

Because the Sustainable Improvement Objectives (SDGs) turned extra generally accepted and used within the growth discipline, Cerise+SPTF and the e-MFP Traders Motion Group began a undertaking in 2019 to discover revolutionary approaches for buyers and Monetary Service Suppliers (FSPs) on measuring and reporting outcomes utilizing the framework of the SDGs.

The SDGs are formidable, and the framework can really feel overly theoretical (or overwhelming) on the micro degree for impact-driven organisations, with the 17 Objectives damaged down into 169 targets and greater than 280 macro-economic indicators. Thus, in depth work was carried out with totally different social buyers and FSPs to establish and check probably the most related targets and indicators. From these exchanges, three SDGs had been chosen as probably the most related for the monetary inclusion actors – SDG 8 (Respectable Work and Financial Development), SDG 1 (No Poverty) – specializing in outreach to the susceptible – and SDG 5 (Gender Equality).

This choice doesn’t suggest an unique use of those indicators. An FSP can resolve so as to add different indicators, or to gather totally different indicators, since information assortment should be pushed, above all, by information that may inform enterprise selections. Nonetheless, it’s potential to outline a core set of indicators that may doubtless be relevant to most FSPs and facilitate benchmarking with equally purpose-driven establishments.

Throughout these occasions, contributors shared concrete experiences and mentioned the potential customary indicators in addition to the mandatory willingness to know adjustments skilled by prospects. They’ve additionally thought-about the relevance of knowledge high quality, the challenges of amassing it, and the capacities wanted to conduct information evaluation and use its findings in decision-making.

Online meeting

In the course of the e-MFP Traders AG and LabODD Working Session at EMW 2022, it was rewarding to see important contributions to harmonising outcomes administration from social buyers and accountable FSPs, with two buyers sharing their experiences. Kawien Ziedses des Plantes, Sustainable Influence Supervisor at Oikocredit, introduced the methodology used and the teachings realized from their survey program centered on purchasers’ perceptions of change. She highlighted how this system reached 18,500 end-client respondents and contributed to integrating the voices of purchasers within the means of enhancing services and products. Subsequently, Mathilde Bauwin, Head of Information Administration at ADA (Appui au Développement Autonome), shared how ADA structured a pattern questionnaire that follows the speculation of change for a monetary companies supplier (FSP), with the target of figuring out the outcomes of the companies provided to the purchasers, understanding how these outcomes happen (contribution vs. attribution), and offering helpful data for the FSP to enhance their companies. In her presentation, she emphasised how this system is relevant to totally different sectors.
All through the totally different occasions organised in 2022, discussions centered on agreeing on a typical set of consequence indicators and a core social consequence questionnaire to gather dependable and helpful outcomes information from the top purchasers. Based mostly on the outcomes of those discussions, throughout the working session at EMW 2022, Cerise+SPTF introduced a proposal for the result questionnaire and listing of potential customary consequence indicators. These instruments purpose to assist each FSPs and the associated stakeholders (e.g., buyers, networks, regulators) in amassing and analysing related information that contributes to knowledgeable selections for constructing robust social and environmental methods and operations, to ease the reporting to the varied buyers, and to higher perceive the impression of economic companies on the top purchasers.


Members within the session had been requested to evaluate the proposed questionnaire and supply suggestions. Traders and different stakeholders have famous a number of factors to refine the questionnaire, together with reviewing particulars of questions/indicators to be tailored to totally different contexts/varieties of FSPs and keep away from redundancies; including questions on shopper dangers akin to fraud, hidden charges or agent relation dangers; and discussing the hyperlink with the Monetary Well being/Buyer Outcomes Framework proposed by CGAP, as introduced by WSBI.


As of now, the Cerise’s LabODD group is summarising the suggestions obtained and can host a co-development workshop on Might 4, 2023, aiming to gather the final inputs from buyers and FSPs on the proposed questionnaire and listing of normal consequence indicators and to supply easy steering for discipline surveys on prospects. These will likely be included within the new model of SPI On-line evaluation instruments by the top of 2023.
Allowing for that the higher the FSPs perceive the adjustments skilled by their prospects, the higher selections they’ll make to additional implement their social and environmental goals, the on-going collaboration right here introduced – results of in depth work from a number of sector stakeholders – offers a roadmap for this.

Célia Fernandez, leads all inner and exterior communications, together with social media, and likewise manages inner administration for Cerise. As a part of the SDG Challenge (LabODD in French), Célia facilitates working teams and provides coaching on outcomes measurement. She holds a grasp’s diploma in human rights and humanitarian motion from Sciences Po Paris. She has 5 years’ expertise in undertaking administration for NGOs in Morocco, in addition to expertise as a High quality Supervisor (ISO 9001 Customary 2015 model). She speaks French and English.


Joana Afonso is Monetary Inclusion Specialist on the European Microfinance Platform (e-MFP) the place she coordinates the e-MFP Motion Teams and is a member of the content material group engaged on the European Microfinance Week, European Microfinance Award and e-MFP analysis associated actions.
Joana has expertise each as practitioner and researcher within the monetary inclusion sector. She has beforehand labored as a microcredit officer at an NGO in Portugal and carried out analysis on shopper over-indebtedness and impression analysis methodologies in microfinance, with discipline work within the Dominican Republic, Pakistan, Zimbabwe, and Ecuador. She is co-editor of the ebook “Rising Challenges and Improvements in Microfinance and Monetary Inclusion” (2019). She holds a PhD in economics and finance from the College of Portsmouth, UK, and a masters in microfinance from the Université Libre de Bruxelles, Belgium.

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