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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

2010 OUTREACH MAPPING OF CORDAID PARTNERS IN THE PHILIPPINES

2 Rose Rivera – November 9 , 2011

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.


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

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


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


South Cotabato CBI: 14,066 clients

Under‐saturated Saturated Over‐saturated


Gen San

Tupi

Koronadal

Surallah Polomolok

CBI= No. of Clients in a barangay 30 % of the No. of Households in a barangay

Client Barangay Index

Pangasinan CBI: 44,172 clients


Urbiztondo

Bani

Agno

Aguilar

Sual

Sison

Urdaneta

Client Municipality Index (CMI)


253

315

31

Total number of Municipalities 599

Number of Clients in a Municipality

30% of Number of Households in a Municipality

CMI 100% of households

CMI 30% of households

Client Municipality Index ‐ Middle

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

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, Compostela Valley

10 poorest indicated

Ilocos Norte, Sur La Union Pangasinan, Rizal, Laguna, Camarines Norte, & Sur, Albay

12 Rose Rivera – OcB 17 , 2011


Visayas: Aklan, AnKque, Capiz, Bohol, Eastern Samar, Southern Leyte, Leyte

13 Rose Rivera – OcB 17 , 2011


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

Relation Cluster/CPI

0.00

0.02

0.04

0.06

0.08

0.10

0.12

0.14

0.16

0.18

1 2 3 4 5

NSCB Poverty Incidence Cluster 2009

Ave

rage

CPI

The red cluster has the lowest outreach


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?


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!

