Implementing the Client Protection Principles : A Technical Guide for Investors

This guide continues to be a ‘living’ document that will be updated as practice evolves. Investors are strongly encouraged to provide feedback on how to improve this guide and to share additional material that could be included. The Guide is organi...

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Main Authors: Forster, Sarah Jacqueline, Lahaye, Estelle Marie, Clark, Heather Anne, Koning, Antonique M., McKee, Kate
Format: Report
Language:English
en_US
Published: World Bank, Washington, DC 2015
Subjects:
Online Access:http://documents.worldbank.org/curated/en/2015/04/24418901/implementing-client-protection-principles-technical-guide-investors
http://hdl.handle.net/10986/21977
id okr-10986-21977
recordtype oai_dc
spelling okr-10986-219772021-04-23T14:04:05Z Implementing the Client Protection Principles : A Technical Guide for Investors Forster, Sarah Jacqueline Lahaye, Estelle Marie Clark, Heather Anne Koning, Antonique M. McKee, Kate RISK MANAGEMENT SYSTEMS PLEDGES BORROWER CHECKS REPAYMENT CAPACITY FUND MANAGERS MICROFINANCE SECTOR INTEREST LIFE INSURANCE GUARANTEES INVESTMENT FUND BANK—LOAN INVESTMENT POLICIES SAVINGS ACCOUNTS INTEREST RATE REMITTANCE EXCHANGE DEBT MANAGEMENT REPAYMENTS REPAYMENT ­ CAPACITY PORTFOLIO REPAYMENT CRISES CAPITAL ADEQUACY CREDIT SCORING LOAN LOAN AMOUNT LOAN AGREEMENT BORROWERS RETAIL FINANCIAL INSTITUTIONS INVESTMENT OPPORTUNITY RESERVE PLEDGE LENDING CYCLE LOAN CONTRACT INFORMATION SYSTEMS MATURE MARKETS GRANT FUNDING CASH FLOWS RURAL BANKS MICROFINANCE INSTITUTIONS MARKET ENVIRONMENT INVESTMENT PROCESSES EXTERNAL FINANCE RETAIL FINANCIAL INSTITUTION GROUP LENDING INDEBTEDNESS MICRO- FINANCE CREDIT UNIONS FINANCIAL INSTITUTION CREDIT RISK ASSESSMENT CONSUMER CREDIT LOAN PRODUCTS CREDIT BUREAUS CONTRACTS LOCAL BUSINESS EXCHANGE RATES OPTIONS LENDING DECISIONS INTEREST RATES INVESTMENT FUNDS FINANCIAL INSTITUTIONS MARKETS DEBT RETURN LOAN APPLICATION LOAN REPAYMENTS LENDERS LOANS RESERVES DEBT SERVICE DUE DILIGENCE INVESTOR RETURN FINANCE PORTFOLIO QUALITY EXPENDITURE INDIVIDUAL LOAN ENFORCEABILITY EQUITY CREDIT DECISIONS INVESTORS COLLECTION PROCESS GOOD TRANSPARENCY CREDIT PROVIDERS CREDIT ASSESSMENT DEBT COLLECTIONS FINANCIAL CRISIS TURNOVER FUTURE COMMERCIAL INVESTMENT RETURNS MICROINSURANCE EQUITY FUNDS DEBT COLLECTION INTEREST RATE CAPS CONTRACT REPAYMENT FINANCIAL PERFORMANCE INVESTMENT ­ DECISIONS CREDIT INFORMATION CREDIT HISTORIES AMORTIZATION INVESTMENT VEHICLES FINANCIAL SERVICE PROVIDERS LOCAL MARKETS BALANCE SHEET FUND MANAGEMENT MARKET CREDIT BUREAU INVESTMENT POLICY MICROCREDIT CREDIT RISK SHAREHOLDERS INSURANCE INSURANCE PREMIUMS MICROFINANCE LOAN APPROVAL LOAN AGREEMENTS INTERESTS BANKING PRACTICES INVESTOR MARKET SHARE SECURITY LOAN OFFICERS INTEREST RATE DATA INVESTMENT HUMAN RESOURCES SHARE INTERNAL AUDIT COLLATERAL POVERTY LOAN SIZE FINANCIAL MARKETS MICROFINANCE PRACTITIONERS COMPETITIVE MARKETS LEGAL COVENANTS NATIONAL CREDIT DEVELOPMENT FINANCE PROFIT LOAN CONTRACTS INVESTMENTS RISK MANAGEMENT LENDING DEBT REPAYMENT CHECK SHAREHOLDER LEVEL OF DEBT FINANCIAL RISK REPAYMENT CAPACITIES INSURANCE COMPANIES CREDIT DISCIPLINE FINANCIAL SYSTEMS ARREARS MARKET LEVEL CASH FLOW CONSUMER PROTECTION NONPERFORMING LOANS POLITICAL RISK CORPORATE GOVERNANCE INVESTING INVESTMENT DECISION This guide continues to be a ‘living’ document that will be updated as practice evolves. Investors are strongly encouraged to provide feedback on how to improve this guide and to share additional material that could be included. The Guide is organized as follows: section two describes the principles and their importance to ensuring sustainable microfinance development that serves the best interests of clients. Section three provides an update on the smart campaign. Section four offers practical advice on approaches and tools to incorporate the principles into investment processes. Section five highlights questions that investment organizations are facing and emerging responses. Finally, section six provides a list of resources and tools. 2015-05-21T20:09:30Z 2015-05-21T20:09:30Z 2010-11 Report http://documents.worldbank.org/curated/en/2015/04/24418901/implementing-client-protection-principles-technical-guide-investors http://hdl.handle.net/10986/21977 English en_US CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Publications & Research Publications & Research :: Working Paper
repository_type Digital Repository
institution_category Foreign Institution
institution Digital Repositories
building World Bank Open Knowledge Repository
collection World Bank
language English
en_US
topic RISK MANAGEMENT SYSTEMS
PLEDGES
BORROWER
CHECKS
REPAYMENT CAPACITY
FUND MANAGERS
MICROFINANCE SECTOR
INTEREST
LIFE INSURANCE
GUARANTEES
INVESTMENT FUND
BANK—LOAN
INVESTMENT POLICIES
SAVINGS ACCOUNTS
INTEREST RATE
REMITTANCE
EXCHANGE
DEBT MANAGEMENT
REPAYMENTS
REPAYMENT ­ CAPACITY
PORTFOLIO
REPAYMENT CRISES
CAPITAL ADEQUACY
CREDIT SCORING
LOAN
LOAN AMOUNT
LOAN AGREEMENT
BORROWERS
RETAIL FINANCIAL INSTITUTIONS
INVESTMENT OPPORTUNITY
RESERVE
PLEDGE
LENDING CYCLE
LOAN CONTRACT
INFORMATION SYSTEMS
MATURE MARKETS
GRANT FUNDING
CASH FLOWS
RURAL BANKS
MICROFINANCE INSTITUTIONS
MARKET ENVIRONMENT
INVESTMENT PROCESSES
EXTERNAL FINANCE
RETAIL FINANCIAL INSTITUTION
GROUP LENDING
INDEBTEDNESS
MICRO- FINANCE
CREDIT UNIONS
FINANCIAL INSTITUTION
CREDIT RISK ASSESSMENT
CONSUMER CREDIT
LOAN PRODUCTS
CREDIT BUREAUS
CONTRACTS
LOCAL BUSINESS
EXCHANGE RATES
OPTIONS
LENDING DECISIONS
INTEREST RATES
INVESTMENT FUNDS
FINANCIAL INSTITUTIONS
MARKETS
DEBT
RETURN
LOAN APPLICATION
LOAN REPAYMENTS
LENDERS
LOANS
RESERVES
DEBT SERVICE
DUE DILIGENCE
INVESTOR RETURN
FINANCE
PORTFOLIO QUALITY
EXPENDITURE
INDIVIDUAL LOAN
ENFORCEABILITY
EQUITY
CREDIT DECISIONS
INVESTORS
COLLECTION PROCESS
GOOD
TRANSPARENCY
CREDIT PROVIDERS
CREDIT ASSESSMENT
DEBT COLLECTIONS
FINANCIAL CRISIS
TURNOVER
FUTURE
COMMERCIAL INVESTMENT
RETURNS
MICROINSURANCE
EQUITY FUNDS
DEBT COLLECTION
INTEREST RATE CAPS
CONTRACT
REPAYMENT
FINANCIAL PERFORMANCE
INVESTMENT ­ DECISIONS
CREDIT INFORMATION
CREDIT HISTORIES
AMORTIZATION
INVESTMENT VEHICLES
FINANCIAL SERVICE PROVIDERS
LOCAL MARKETS
BALANCE SHEET
FUND MANAGEMENT
MARKET
CREDIT BUREAU
INVESTMENT POLICY
MICROCREDIT
CREDIT RISK
SHAREHOLDERS
INSURANCE
INSURANCE PREMIUMS
MICROFINANCE
LOAN APPROVAL
LOAN AGREEMENTS
INTERESTS
BANKING PRACTICES
INVESTOR
MARKET SHARE
SECURITY
LOAN OFFICERS
INTEREST RATE DATA
INVESTMENT
HUMAN RESOURCES
SHARE
INTERNAL AUDIT
COLLATERAL
POVERTY
LOAN SIZE
FINANCIAL MARKETS
MICROFINANCE PRACTITIONERS
COMPETITIVE MARKETS
LEGAL COVENANTS
NATIONAL CREDIT
DEVELOPMENT FINANCE
PROFIT
LOAN CONTRACTS
INVESTMENTS
RISK MANAGEMENT
LENDING
DEBT REPAYMENT
CHECK
SHAREHOLDER
LEVEL OF DEBT
FINANCIAL RISK
REPAYMENT CAPACITIES
INSURANCE COMPANIES
CREDIT DISCIPLINE
FINANCIAL SYSTEMS
ARREARS
MARKET LEVEL
CASH FLOW
CONSUMER PROTECTION
NONPERFORMING LOANS
POLITICAL RISK
CORPORATE GOVERNANCE
INVESTING
INVESTMENT DECISION
spellingShingle RISK MANAGEMENT SYSTEMS
PLEDGES
BORROWER
CHECKS
REPAYMENT CAPACITY
FUND MANAGERS
MICROFINANCE SECTOR
INTEREST
LIFE INSURANCE
GUARANTEES
INVESTMENT FUND
BANK—LOAN
INVESTMENT POLICIES
SAVINGS ACCOUNTS
INTEREST RATE
REMITTANCE
EXCHANGE
DEBT MANAGEMENT
REPAYMENTS
REPAYMENT ­ CAPACITY
PORTFOLIO
REPAYMENT CRISES
CAPITAL ADEQUACY
CREDIT SCORING
LOAN
LOAN AMOUNT
LOAN AGREEMENT
BORROWERS
RETAIL FINANCIAL INSTITUTIONS
INVESTMENT OPPORTUNITY
RESERVE
PLEDGE
LENDING CYCLE
LOAN CONTRACT
INFORMATION SYSTEMS
MATURE MARKETS
GRANT FUNDING
CASH FLOWS
RURAL BANKS
MICROFINANCE INSTITUTIONS
MARKET ENVIRONMENT
INVESTMENT PROCESSES
EXTERNAL FINANCE
RETAIL FINANCIAL INSTITUTION
GROUP LENDING
INDEBTEDNESS
MICRO- FINANCE
CREDIT UNIONS
FINANCIAL INSTITUTION
CREDIT RISK ASSESSMENT
CONSUMER CREDIT
LOAN PRODUCTS
CREDIT BUREAUS
CONTRACTS
LOCAL BUSINESS
EXCHANGE RATES
OPTIONS
LENDING DECISIONS
INTEREST RATES
INVESTMENT FUNDS
FINANCIAL INSTITUTIONS
MARKETS
DEBT
RETURN
LOAN APPLICATION
LOAN REPAYMENTS
LENDERS
LOANS
RESERVES
DEBT SERVICE
DUE DILIGENCE
INVESTOR RETURN
FINANCE
PORTFOLIO QUALITY
EXPENDITURE
INDIVIDUAL LOAN
ENFORCEABILITY
EQUITY
CREDIT DECISIONS
INVESTORS
COLLECTION PROCESS
GOOD
TRANSPARENCY
CREDIT PROVIDERS
CREDIT ASSESSMENT
DEBT COLLECTIONS
FINANCIAL CRISIS
TURNOVER
FUTURE
COMMERCIAL INVESTMENT
RETURNS
MICROINSURANCE
EQUITY FUNDS
DEBT COLLECTION
INTEREST RATE CAPS
CONTRACT
REPAYMENT
FINANCIAL PERFORMANCE
INVESTMENT ­ DECISIONS
CREDIT INFORMATION
CREDIT HISTORIES
AMORTIZATION
INVESTMENT VEHICLES
FINANCIAL SERVICE PROVIDERS
LOCAL MARKETS
BALANCE SHEET
FUND MANAGEMENT
MARKET
CREDIT BUREAU
INVESTMENT POLICY
MICROCREDIT
CREDIT RISK
SHAREHOLDERS
INSURANCE
INSURANCE PREMIUMS
MICROFINANCE
LOAN APPROVAL
LOAN AGREEMENTS
INTERESTS
BANKING PRACTICES
INVESTOR
MARKET SHARE
SECURITY
LOAN OFFICERS
INTEREST RATE DATA
INVESTMENT
HUMAN RESOURCES
SHARE
INTERNAL AUDIT
COLLATERAL
POVERTY
LOAN SIZE
FINANCIAL MARKETS
MICROFINANCE PRACTITIONERS
COMPETITIVE MARKETS
LEGAL COVENANTS
NATIONAL CREDIT
DEVELOPMENT FINANCE
PROFIT
LOAN CONTRACTS
INVESTMENTS
RISK MANAGEMENT
LENDING
DEBT REPAYMENT
CHECK
SHAREHOLDER
LEVEL OF DEBT
FINANCIAL RISK
REPAYMENT CAPACITIES
INSURANCE COMPANIES
CREDIT DISCIPLINE
FINANCIAL SYSTEMS
ARREARS
MARKET LEVEL
CASH FLOW
CONSUMER PROTECTION
NONPERFORMING LOANS
POLITICAL RISK
CORPORATE GOVERNANCE
INVESTING
INVESTMENT DECISION
Forster, Sarah Jacqueline
Lahaye, Estelle Marie
Clark, Heather Anne
Koning, Antonique M.
McKee, Kate
Implementing the Client Protection Principles : A Technical Guide for Investors
description This guide continues to be a ‘living’ document that will be updated as practice evolves. Investors are strongly encouraged to provide feedback on how to improve this guide and to share additional material that could be included. The Guide is organized as follows: section two describes the principles and their importance to ensuring sustainable microfinance development that serves the best interests of clients. Section three provides an update on the smart campaign. Section four offers practical advice on approaches and tools to incorporate the principles into investment processes. Section five highlights questions that investment organizations are facing and emerging responses. Finally, section six provides a list of resources and tools.
format Report
author Forster, Sarah Jacqueline
Lahaye, Estelle Marie
Clark, Heather Anne
Koning, Antonique M.
McKee, Kate
author_facet Forster, Sarah Jacqueline
Lahaye, Estelle Marie
Clark, Heather Anne
Koning, Antonique M.
McKee, Kate
author_sort Forster, Sarah Jacqueline
title Implementing the Client Protection Principles : A Technical Guide for Investors
title_short Implementing the Client Protection Principles : A Technical Guide for Investors
title_full Implementing the Client Protection Principles : A Technical Guide for Investors
title_fullStr Implementing the Client Protection Principles : A Technical Guide for Investors
title_full_unstemmed Implementing the Client Protection Principles : A Technical Guide for Investors
title_sort implementing the client protection principles : a technical guide for investors
publisher World Bank, Washington, DC
publishDate 2015
url http://documents.worldbank.org/curated/en/2015/04/24418901/implementing-client-protection-principles-technical-guide-investors
http://hdl.handle.net/10986/21977
_version_ 1764449645724958720