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GENDER DASHBOARD
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Draft 2 - October 2025
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MISSION STATEMENT
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What is the mission statement of the Financial Service Provider?
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CONTEXT
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Description of local cultural, legal, and economic environments + regulatory frameworkComments : The provider can use this space to add any comment about the specificities of the cultural context, especially in the gender dynamic (household, men/women relationships, women roles in the community, etc.)
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GENDER STRATEGY
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Please note that the indicators are fully aligned with the Universal Standards for Social and Environmental Performance Management (https://cerise-sptf.org/universal-standards/). The analysis proposes a focus on Gender.
(*) refers to indicators in ALINUS, (o) refers to indicators in SPI5 Full but not in ALINUS
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1) WOMEN TARGETING* 1.A.1.1 The strategy defines the demographic and socioeconomic characteristics of target clients.yes / partially / no2) COMMITED LEADERSHIPo 2.A.4.1 The board includes social targets in the CEO/Managing Director's performance evaluation.yes / partially / no
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Focus Gender : check if women / women led-SMEs are clearly mentioned in the strategy, whether the strategy seeks to reinforce the access to capital to womencommentsFocus Gender : check if targets are in line with a strategy that foster gender inclusioncomments
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o 1.A.1.2 The strategy identifies the benefits that the provider seeks to create for clients, such as :
- providing access to the previously excluded
- reducing vulnerability to shocks
- building assets / Investing in economic opportunities
- creating jobs		yes / partially / no* 2.A.3.4 The board takes corrective action when it identifies risks to clients, risks to employees, or when the provider is not achieving its social goals.yes / partially / no
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Focus Gender : check if the strategy seeks to create tailored benefits for women clients'needs, facilitating their access in front of specific barriers, strengthening their role in their business, household and local community. Paid equal parental leave policy in placecommentsFocus Gender :check if risk analysis integrate women in terms of clients and staffcomments
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o 1.B.2.2 The provider analyzes outcomes for different segments of clients according to their profile and financial behavior. Minimum frequency: annuallyyes / partially / no* 2.B.2.3 Management takes corrective action when it identifies risks to clients, risks to employees, or when the provider is not achieving its social goals.yes / partially / no
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Focus Gender : Check if outcomes are segmented by gender and/or related to women led-SMEs commentsFocus Gender :check if corrective actions integrate women in terms of clients and staffcomments
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3) IDENTIFYING RISKS FOR WOMEN CLIENTS* 1.A.1.4 The provider defines a “do no harm” strategy that articulates how it will mitigate the social risks connected to the use of its products and servicesyes / partially / no4) TRAINING ON SOCIAL GOAL AND WOMEN TARGETINGo 2.A.2.1 During new member orientation or subsequent training, the provider trains each board member on the provider’s social goals.yes / partially / no
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Focus Gender : check if potential harms related to gender are integrated (inequal access, gender-based violence)commentsFocus Gender : check gender-specific board orientationcomments
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* 4.C.1.2 The provider's policies prohibit the following: client intimidation (notably sexual harassment), and discrimination against sexyes / partially / no* 5.C.2.1 The provider trains all employees on its social goals and how their work contributes to achieving these goals and reinforces this on an ongoing basis.yes / partially / no
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Focus Gender : Gender specific indicatorcommentsFocus Gender : check gender-specific employees trainingscomments
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5) GENDER EQUALITY AMONG EMPLOYEES* 5.A.2.3 The provider analyzes salary data to check that men and women receive equal pay for equal work and have equal opportunities for pay increase/promotionyes / partially / no6) IDENTIFYING RISKS FOR EMPLOYEES* 5.A.1.1 The provider’s Human Resource policy explains employees’ rights and responsibilities related to anti-harassment safeguardsyes / partially / no
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Focus Gender : Gender specific indicatorcommentsFocus Gender : check specific policies anti-harassement as well as issues around risks of gender-based violence (GBV)comments
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o 5.B.1.4 Men and women receive equal opportunities for training and skill development.yes / partially / no* 5.A.1.3 The provider’s non-discrimination policy towards employees covers genderyes / partially / no
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Focus Gender : Gender specific indicatorcommentsFocus Gender : Gender specific indicatorcomments
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COMMENTS ON GENDER STRATEGY
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The provider can use this space to add any comments about its gender strategy. For example, it can disclose the number of board members trained on the provider's social goals, and provide further details on its policy regarding anti-harassment (such as mentioning Gender Based Violence and specific safeguards concerning sexual harassment etc.).
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RESULTS AT CLIENTS' LEVEL
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ACCESS AND USE OF FINANCIAL SERVICES
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* 3.A.1.1 Before introducing new products, services, or delivery channels, the provider conducts market research that includes gathering the following data about its target clients:
-Analysis of market share, market saturation, and potential market
-Client profile data, including gender, age, location (urban/rural), and poverty/income level
-Data on clients' needs, goals, and any obstacles to using financial services		yes / partially / no
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% women borrowers:Focus Gender : Gender specific indicator, check how market research identifies specific needs of women.comments
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o 3.A.2.1 The provider analyzes transactional data (PAR, average loan size, loan repayments, savings deposits and withdrawals) by demographic and socioeconomic segments of its clients.yes / partially / no
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% of gross loan porfolio for womenFocus Gender : check if data is segmented by gendercomments
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o 3.A.2.2 The provider analyzes product use (types and frequency) by demographic and socioeconomic segments of its clients.yes / partially / no
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Average loan size by GenderFocus Gender : check if data is segmented by gendercomments
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o 3.A.3.3 The provider investigates whether stresses at the household level make it more difficult for clients to use its products and services.yes / partially / no
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Focus Gender : check if data is segmented by gender, and if specific gender issues are taken into account (financial abuse, GBV)comments
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o 4.A.1.4.2 The provider checks its algorithms for bias against gender and corrects it as needed.yes / partially / no
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Focus Gender : Gender specific indicatorcomments
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COMMENTS ON ACCESS AND USE OF FINANCIAL SERVICES
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The provider can use this space to add comments about its strategy concerning the access and use of its financial services. For example, it can explain if it conducts analysis of the local environment, notably legal rights and social norms, to determine whether it operates in an area where the status of women could negatively impact their access to and use of financial services
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CLIENT PROTECTION
CLIENT FEEDBACK
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* 4.E.1.1 Clients have a way to submit complaints to persons other than their loan officer/product officer and that person's supervisor.yes / partially / no
* 3.A.3.1 The provider conducts client satisfaction surveys.
yes / partially / no
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Focus Gender : check if data is segmented by gendercommentsFocus Gender : check if data is segmented by gendercomments
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How many complaints has the provider received in the last 3 months ?Fill in with your dataOn the satisfaction survey, % of women clients who declared NOT to be satisfied ?Fill in with your data
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Of these complaints in the last 3 months, how many come from women ?
Fill in with your data% of women clients who would NOT recommend the products / services to family or friendsFill in with your data
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If you don't have a % or numbers, you can describe how you approached the subjectcommentsIf you don't have a %, you can describe how you approached the subjectcomments
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o 4.A.2.1 Senior management monitors portfolio quality to identify over-indebtedness risk (by branch, product and client segment)yes / partially / noo 3.A.3.2 The provider conducts interviews with dormant and/or exiting clients to look for evidence of product design failures.yes / partially / no
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Focus Gender : check if data is segmented by gendercommentsFocus Gender : check if data is segmented by gendercomments
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PAR > 30 + rescheduled (%) for women
Fill in with your data
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OUTCOMES ON CLIENT PROTECTION - Risk ManagementOUTCOMES ON ACCESS AND USE OF FINANCIAL SERVICES
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Do you collect information on perceived issues on client protection, at the client level?yes / partially / noDo you collect information on who is using the loans, how the loans are used?yes / partially / no
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If yes:
% of women clients declaring that they consider the repayment of the loan very difficult		Fill in with your dataIf yes, % of women clients who declare that they did NOT use the loan alone.Fill in with your data
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If you don't have a %, you can describe how you approached the subjectcommentsIf you don't have a %, you can describe how you approached the subjectcomments
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% of women client declaring that the FSP agents have NOT treated her fairly and respectfullyFill in with your data% of women clients declaring that their loan was used for household needs.Fill in with your data
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If you don't have a %, you can describe how you approached the subjectcommentsIf you don't have a %, you can describe how you approached the subjectcomments
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% of women clients declaring that they do NOT fully understand the terms and conditions of the products and services proposedFill in with your data% of women clients declaring that due to the loan, their stress levels (household relations, time and budget management etc.) in general have increasedFill in with your data
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If you don't have a %, you can describe how you approached the subjectcommentsIf you don't have a %, you can describe how you approached the subjectcomments
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% of women clients declaring that it is NOT easy to interact with the FSPFill in with your data% of women clients declaring that they have experienced negative aspects (too much work for the client or for family members, negative changes in household relations) of the loan in the household and personal life.Fill in with your data
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If you don't have a %, you can describe how you approached the subjectcommentsIf you don't have a %, you can describe how you approached the subjectcomments
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COMMENTS ON CLIENT PROTECTION AND FEEDBACK
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The provider can use this space to add comments about its strategy concerning client protection and feedback.
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RESULTS AT EMPLOYEES' LEVEL
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EQUAL REPRESENTATIONEQUAL TREATMENT AND CAREER OPPORTUNITIES
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Women Staff:Average unadjusted genderpay gapFill in with your data
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Women Field Staff:
Total hours of training for women (women staff x hours)
Fill in with your data
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Women Management Staff:Number of women staff who received an internal or external training on the reporting periodFill in with your data
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Women In Board:Share strategy for women staff inclusion defined to reduce barriers (e.g. time constraints due to care responsibilities, parental leaves, etc.)comments
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STAFF PROTECTION AND FEEDBACKFOCUS ON TRAINING
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The provider can use this space to explain its strategy concerning staff and beneficiaries training. For example, it can disclose :
- The content and objective of trainings (trainings on the provider's social goal, on unconscious bias in lending, on GBVH and gender discrimination)
- The targets of the trainings (beneficiaries, employee categories such as board members, credit staff etc.)
- The number or percentage of staff trained
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* 2.A.3.3 The board uses the following data, provided by management, to monitor decent working conditions for employees :
- Employee turnover rate, by gender (annually)
- Analysis of employee satisfaction surveys (every 2 years). 		yes / partially / no
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Focus Gender : check if data is segmented by gendercomments
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Employee turnover rate for womenFill in with your data
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Employee turnover rate for menFill in with your data
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* 5.B.2.2 The provider has formal grievance mechanism that allows employees to raise workplace concerns in a confidential manner.yes / partially / no
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Focus Gender : check if data is segmented by gendercomments
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o 5.B.2.3 The provider surveys employees on satisfaction and concerns with employment conditions.yes / partially / no
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Focus Gender : check if data is segmented by gender and if specific issues related to gender are taken into account (working hours, parental leaves, harassement, GBV, etc.)comments
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COMMENTS ON RESULTS AT EMPLOYEE'S LEVEL