Paper
Microfinance Workshop Report for USAID/Zambia and Credit Management Services (CMS)
A workshop to inform managers about program design
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20 pages
This report presents the details of a workshop that was held to meet the general needs of the managers at Credit Management Services (CMS) for general background in programming. Following are the details of the workshop:
- Aim: to familiarize CMS managers with the elements of appropriate and sustainable program design, and enable them to identify necessary changes to their program;
- Training material: a program design tool called a "Program Design Framework";
- Discussions:
- The participants discussed clients, environment, interventions, methodology, impact, efficiency and sustainability,
- They reviewed each topic, and explored interconnecting relationships in order to understand the key concepts of microcredit programs.
The report then describes:
- The "Program Design Framework", which includes an analysis of the situation, the clients and their business activities;
- The program, including interventions and possible amendments to existing CMS policies;
- Various methodologies, their similarities and differences, focusing on the differences between individual and peer lending and suggestions for changes to CMS' methodologies;
- The impact of the program at various levels - the household, the local economy and the payment scale.
The report concludes with a discussion of efficiency and sustainability, highlighting the importance of staff productivity and customer service.
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