CASHPOR Micro Credit
Social Performance and Impact
Theme 2 - We target the poorest people
within these areas, and work exclusively with
them.
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We work with the poorest communities and are
committed to serving them
Rural
Urban
Total
Number of
branches
191
(71%)
78
(29%)
269
Number of
ALC (‘000s)
278
(67%)
139
(33%)
417
Overall, around 75% of ALC
belong to SC / ST category.
Amount
outstanding
(Rs Mn)
1751
(65%)
923
(35%)
2674
Source: M-CRIL Social Rating
Report 2005
71% of CASHPOR branches
are in rural areas.
67% of total ALC are in rural
areas and account for 65% of
GLP.
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…and, ensure that we target the poorest through
various checks
CASHPOR
HOUSING
INDEX
Dual Checks
on Poverty
Status
Poverty
Audits
• Height and material of walls and material of roof.
• households owning a motor vehicle or a house with brick walls and concrete roof
are usually excluded.
• Those living in dilapidated housing (where they score 3 or less on CHI) are given
priority.
• Income and asset interview is conducted as a second step for those who qualify in
the CHI.
• Poverty status of clients ascertained by BM during GRT
• Poverty status of 20 % of clients of each field officer verified by Internal audit
department.
• Actively measures poverty status of clients through external and partnered studies
( ABN AMRO 2004, RBS 2008)
• Social ratings by MCRIL - 68% of CASHPOR clients live on less than 1$ a day,
compared to 35% of 20 other MFIs in India (M-CRIL Social Rating, 2005)
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