BUKIDNON COOPERATIVE BANK
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Personal Digital Assistant (PDA) system
Improve MF organizational structure for
better operation
Introduce new techniques to improve client
retention
BUKIDNON COOPERATIVE BANK
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Acceptance and availability of funds for
PDA
Acceptance of management to improve
structure
BUKIDNON COOPERATIVE BANK
ACTION PLAN
3. Support Needed From Management
Funds and budget for training
Approval for PDA system
COOPERATIVE BANK OF MISAMIS ORIENTAL
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Incorporation of Personal Digital Assistant
(PDA)in Microbanker
Strengthening of client’s selection by AO’s
Intensify collection of delinquent accounts
Incentive Scheme for performing AO’s
COOPERATIVE BANK OF MISAMIS ORIENTAL
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Management may not appreciate
importance of PDA
Management may not consider incentive
scheme as practical
Management may treat training/workshops
as expense rather than investment
COOPERATIVE BANK OF MISAMIS ORIENTAL
ACTION PLAN
3. Support Needed From Management
Allocate funds for PDA and training
Logistical support to follow-up past due
accounts ( use of vehicles)
Compare compensation with other banks
in the area
Green Bank of Caraga
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Personal Digital Assistant (PDA)system
Review incentive scheme
Finalize product manual
Re-echo Supervisors’ Forum to all GBC MF
supervisors and AO’s to improve MF
operation
Green Bank of Caraga
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Financial Support
MIS capability to design PDA collection
system
Green Bank of Caraga
ACTION PLAN
3. Support Needed From Management
Financial support
HRD assistance
RURAL BANK OF CANTILAN
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Personal Digital Assistant (PDA)system
Model AO for the month, quarter/ and year
Revision and access of product manual
Schedule of MFU meetings (monthly and
quarterly)
Prior approval by supervisors on penalties
imposed on delinquent accounts
RURAL BANK OF CANTILAN
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Availability of PDA programmer to maintain
the PDA system
Selection of model AO may encourage
“tapal” system, or may create “gap” among
AO’s
RURAL BANK OF CANTILAN
ACTION PLAN
3. Support Needed From Management
Acquisition of equipments to improve
delivery of MF products (typewriters, PDA,
motorcycles)
RURAL BANK OF DIPOLOG
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Replicate MF product to other branches
Improve the CI/BI process
RURAL BANK OF DIPOLOG
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Training of new account officers
Refresher seminar for existing account
officers
RURAL BANK OF DIPOLOG
ACTION PLAN
3. Support Needed From Management
Approval to replicate MF program to other
branches
RURAL BANK OF KAPATAGAN VALLEY
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Personal Digital Assistant (PDA) system
Controllable measures in client selection
and CI/BI
Delinquent accounts must be handled by
one AO
RURAL BANK OF KAPATAGAN VALLEY
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Technical skills on PDA collection system
An improved CI/BI may entail more time to
complete
RURAL BANK OF KAPATAGAN VALLEY
ACTION PLAN
3. Support Needed From Management
Management support
RURAL BANK OF TALISAYAN
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Personal Digital Assistant (PDA) system
Retention of10% of loan amount as savings
New CI/BI strategy for new applicants
Conduct clients’ forum per area
Emphasis (no bribery; complaints to
supervisor) during client orientation
Training for crecom on credit decision
RURAL BANK OF TALISAYAN
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
More time for programmer to develop PDA
Client’s hesitation to attend forum
RURAL BANK OF TALISAYAN
ACTION PLAN
3. Support Needed From Management
Approval of PDA system
Management’s invitation for clients to
attend forum
Free snacks for clients attending forum
SIAM BANK
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Personal Digital Assistant (PDA) system
Loan increase is proportionate to savings
Demand letters for delinquent government
employees
Validate results of bank-wide TNA with our
bank
SIAM BANK
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Additional workload in sending demand
letters and convincing AO’s of its
effectiveness as collection tool
Resistance from clients of additional
compulsory savings
Learning course for PDA
SIAM BANK
ACTION PLAN
3. Support Needed From Management
Budget for PDA system if benefit is greater
than cost
Full support from managers and supervisors
on revisions of product manual
Training program for supervisors and AO’s
based on TNA results
CENTURY RURAL BANK
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Personal Digital Assistant (PDA) system
Pressure of Product Manager
Hire new AO’s
Creation of Junior Credit Committee
CENTURY RURAL BANK
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Lack of experienced AO for PDA system
PDA may be an expensive system
CENTURY RURAL BANK
ACTION PLAN
3. Support Needed From Management
Funding for hiring of new AO’s and
purchase and development of PDA
NETWORK RURAL BANKING GROUP
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Personal Digital Assistant (PDA) system
Refresher courses on delinquency
management and marketing of MF products
and services
NETWORK RURAL BANKING GROUP
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Cost of PDA
MIS program
NETWORK RURAL BANKING GROUP
ACTION PLAN
3. Support Needed From Management
Approval to implement PDA system
Budget approval for refresher courses
RURAL BANK OF LEBAK
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Personal Digital Assistant (PDA) system
Strategy to increase outreach
RURAL BANK OF LEBAK
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Design PDA program custom built for bank
needs
Increased outreach may lead to higher
delinquency (lesser time to cover more
borrowers)
RURAL BANK OF LEBAK
ACTION PLAN
3. Support Needed From Management
Management implementation of the PDA
system
RURAL BANK OF MONTEVISTA
ACTION PLAN
1. New Ideas Learned from Other Participants You Like to Try
to Improve your Microfinance Operations in the Next Three
Months
Personal Digital Assistant (PDA) system
Documentation of deviations and
amendments for standardization
Improve CI/BI and client selection processes
Address operational issues to improve
profitability and sustainability
RURAL BANK OF MONTEVISTA
ACTION PLAN
2. Problems and Constraints You Expect To Encounter
Support of officers involved in the
implementation
Designation/hiring of training officer to
handle all MFU training
RURAL BANK OF MONTEVISTA
ACTION PLAN
3. Support Needed From Management
Formulation of training modules
Allocation of funds for training and MF
product enhancement