Ms. Rose Rivera, a microfinance consultant of CORDAID, walks banks through the client mapping initiative of the Microfinance Council of the Philippines and CORAID, and understand the benefits of participating in the study to determine aggregate client debt indices over a board geographic area.

1. 2010 Outreach mapping of
Cordaid partners in the Philippines
Rose Rivera
CORDAID
2011 RBAP‐MABS Regional Roundtable Conference
HyaB Hotel & Casino, Manila
November 9, 2011

2. 2010 OUTREACH MAPPING OF
CORDAID PARTNERS IN THE PHILIPPINES
Rose Rivera – November 9 , 2011 2

3. The mapping hopes to:
• To shed light on the current issue on client
over indebtedness by:
‐ calculaKng the raKos of outreach over a
given parameter to yield informaKon on levels
of saturaKon :un‐served, underserved,
saturated, over‐saturated.
• To contrast the partners’ Depth & Breadth of
Outreach with that of the 2009 NSCB Poverty
index.
Rose Rivera – November 9 , 2011 3

4. The mapping helps (1):
• To locate own clients and that of other
compeKtors, and to shed light on queries:
‐ “are we opera(ng in highly saturated areas?.”
‐ “ is there correla(on with PAR and client exit
rates with the level of satura(on?”
‐ “how to use the indices in managing risks and
por>olio?
‐ To measures one’s depth of outreach ( do
clients belong to poor clusters?
Rose Rivera – November 9 , 2011 4

5. The mapping helps (2)
• To use in strategic planning:
‐who else to serve (targeKng the excluded)?
‐where else to expand to increase value of
outreach (pushing fronKer)?
To use in in making policy :
‐ that balances between open market and social
responsibility
‐ that prevents over‐exposure of clients to debt
Rose Rivera – November 9 , 2011 5

6. Points to Mind ( 1)
• MFI respondents were limited to partners of Cordaid (24
MFIs) & Cordaid Fund users
• Incomplete outreach due to
‐less than 100% parKcipaKon by partner MFIs
‐missing Barangays (wrong spelling) & municipaliKes
‐ internet connecKvity
‐ wrong parameter ( outreach/branch instead of per
barangay)
• Cut‐off date of outreach varies but within 2010
• Unclear definiKon of MFI Clients: savers only, borrowers only,
insured only, combinaKon
Rose Rivera – November 9 , 2011 6

7. Client Barangay Index
CBI= No. of Clients in a barangay
30 % of the No. of Households in a barangay
Koronadal
Tupi
Surallah
Polomolok
Gen San
Under‐saturated South Cotabato
Saturated CBI: 14,066 clients
Over‐saturated
Rose Rivera – November 9 , 2011 7

8. Bani Sison
Sual
Agno
Urdaneta
Aguilar
Urbiztondo
Pangasinan
CBI: 44,172 clients
Rose Rivera – November 9 , 2011 8

9. Client Municipality Index (CMI)
Number of Clients in a Municipality
30% of Number of Households in a Municipality
315
31
253
Total number of Municipalities 599
Rose Rivera – November 9 , 2011 9

10. CMI 100% of Client Municipality Index ‐ Middle CMI 30% of
households households
All CMI > 1 labelled
10 highest CPI
1. Misamis Occidental
2. Guimaras
3. AnKque
4. La Union
9. Rizal
10. Capiz
11. Pangasinan
12. Aklan
13. Ilocos Sur
14. Ilocos Norte
Rose Rivera – November 9 , 2011 10

11. NSCB Poverty Incidence Clusters 2009 and Client Province Index
Luzon:
Ilocos Norte, Sur
La Union
Pangasinan,
Rizal, Laguna,
Camarines Norte,
& Sur, Albay
Visayas:
Aklan, AnKque,
Capiz, Bohol,
Eastern Samar,
Southern Leyte,
Leyte
Mindanao:
Misamis Occ.,
Davao City
Davao del Norte &
del Sur
South Cotabato,
Rose Rivera – November 9 , 2011 11
Compostela Valley

12. Ilocos Norte, Sur
10 poorest La Union
indicated Pangasinan,
Rizal, Laguna,
Camarines Norte,
& Sur, Albay
Rose Rivera – OcB 17 , 2011 12

13. Visayas:
Aklan, AnKque,
Capiz, Bohol,
10 poorest Eastern Samar,
indicated
Southern Leyte,
Leyte
Rose Rivera – OcB 17 , 2011 13

14. 10 poorest
indicated
Mindanao:
Misamis Occ., Davao City
Davao del Norte & del Sur
South Cotabato, Compostela
Rose Rivera – OcB 17 , 2011 Valley 14

15. Relation Cluster/CPI
0.18
0.16
0.14
0.12
Average CPI
0.10
0.08
0.06
0.04
0.02
0.00
1 2 3 4 5
The red cluster NSCB Poverty Incidence Cluster 2009
has the lowest
outreach
Rose Rivera – November 9 , 2011 15

16.
Preliminary Pointers (1)
• There are saturated municipaliKes (red spots)
Are these municipaliSes facing potenSal mulSple
borrowings?
• There are un‐served ( colorless) areas– risk
aversion? IncenSves?
• Emergence of “Common market”
• The clusters with higher poverty incidence
have lower or no outreach
What has become of micro‐credit as an instrument of
poverty alleviaSon?
Rose Rivera – November 9 , 2011 16

17. Way forward
• NaKonal‐wide mapping on barangay level.
• The Client Barangay Index (CBI) is a beBer
pointer to measure level of saturaKon.
• E‐survey is ready and affordable
• What to be counted in?
Thank You!
Rose Rivera – November 9 , 2011 17

21. Rose Rivera – November 9 , 2011 21