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![Page 1: Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 1 Designing products and services.](https://reader030.fdocuments.in/reader030/viewer/2022032523/56649d895503460f94a6ee6d/html5/thumbnails/1.jpg)
Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 1
Designing products and services for empowerment
Linda Mayoux
![Page 2: Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 1 Designing products and services.](https://reader030.fdocuments.in/reader030/viewer/2022032523/56649d895503460f94a6ee6d/html5/thumbnails/2.jpg)
Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 2
What is FALS?
a client-led methodology which brings clients and financial service providers
(FSPs) together as partners in developing empowering and
financially sustainable products and services.
Integrates:
• product design and market research
• client financial empowerment
• social performance management.
![Page 3: Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 1 Designing products and services.](https://reader030.fdocuments.in/reader030/viewer/2022032523/56649d895503460f94a6ee6d/html5/thumbnails/3.jpg)
Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 3
Underlying win-win assumptions
Sustainable FSPs
Sustainable households
Gender equity
Sustainable development
![Page 4: Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 1 Designing products and services.](https://reader030.fdocuments.in/reader030/viewer/2022032523/56649d895503460f94a6ee6d/html5/thumbnails/4.jpg)
Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 4
Key features
• starts with client visions, aspirations and strategies
• mainstreams analysis of intra-household relations and gender inequalities
• clients keep their own individual diaries
• upscaled mainly through peer learning
• basis for ‘relational marketing’ of products
• financially sustainable
![Page 5: Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 1 Designing products and services.](https://reader030.fdocuments.in/reader030/viewer/2022032523/56649d895503460f94a6ee6d/html5/thumbnails/5.jpg)
Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 5
Tools
Tool 2: Financial Opportunities and Challenges Circle Maps
Tool 5: Financial Planning ‘Multilane Highway’
Tool 3: Financial Management Challenge Action Tree
Tool 4: Financial Flow Trees
Tool 6: Financial
Sustainability ‘win-win’ diamond
Tool 1: Wealth Creation and Empowerment Road Journey
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Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 6
![Page 7: Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 1 Designing products and services.](https://reader030.fdocuments.in/reader030/viewer/2022032523/56649d895503460f94a6ee6d/html5/thumbnails/7.jpg)
Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 7
Tool 2: Financial and social resource mapping
• Financial mapping
• Empowerment/relationship mapping
• Market and value chain mapping
• Institutional mapping
![Page 8: Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 1 Designing products and services.](https://reader030.fdocuments.in/reader030/viewer/2022032523/56649d895503460f94a6ee6d/html5/thumbnails/8.jpg)
Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 8
Tools 3 and 4:Trees
Cognitive map to show inputs and outputs
• Financial Management Challenge Action Tree
• Financial flow tree
![Page 9: Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 1 Designing products and services.](https://reader030.fdocuments.in/reader030/viewer/2022032523/56649d895503460f94a6ee6d/html5/thumbnails/9.jpg)
Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 9
Tool 5: Financial Planning multilane highway
![Page 10: Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 1 Designing products and services.](https://reader030.fdocuments.in/reader030/viewer/2022032523/56649d895503460f94a6ee6d/html5/thumbnails/10.jpg)
Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 10
Tool 6: Financial sustainability win-win diamond
Win-winMen/women clients
Bankers
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Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 11
FALS Stages
• Stage 1: Preliminary market research and development of champions
• Stage 2: Establishing the Financial Action Learning System
• Stage 3: Sustainability and upscaling
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Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 12
Peer training and upscaling
• Aim for sustainability after 2 years
• Integration of FALS into other activities
• Voluntary peer training within social networks for exponential upscaling (including children)
• Certification of core of proven community trainers for new areas paid by organisation/groups
• Relational marketing for organisational expansion
• Enables more focused response and role for FSP staff and ‘smart subsidies’
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Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 13
GALS information system
Individual client diaries
Group level recording Integration into SPM
Community level Organisational level
Internal assessment and personal
transformation of staff
To donors
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Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 14
From micro- to macro-
• Gender Protocol for financial services
• Skills and structures for a social movement for wealth creation and empowerment
• Community-led action research for value chain development and advocacy
• Linkages with banks and government for integration in decision-making, education and training of staff
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Empowering women through microfinance: PPT 2 Designing products and services for empowerment © Linda Mayoux 2011 Slide 15
Resources
QUESTIONS?
Rural Finance (search on gender) www.ruralfinance.org
Genfinance website: www.genfinance.info
Oxfam Novib’s WEMAN website www.wemanglobal.org
Microfinance Gateway www.microfinancegateway.org/