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Microfinance Information Exchange
Gender Indicators TestMicol Pistelli Amman, November 20th, 2013
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66 replies Gender-equality
focused MFIs vs. Control group
The survey
REGION Gender-focused
Control group
East Asia and the Pacific (EAP)
3 4
Easter Europe and Central Asia (ECA)
11 8
Latin America and the Caribbean (LAC)
19 6
Middle East and North Africa (MENA)
2 1
South Asia 7 1
Africa 4 0
TOTAL 46 20
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INDICATOR 1: Percentage of new female borrowers
EASY? Yes No
Gender-focused 44 2
Control group 19 1
USEFUL? Yes No I don't know
Gender-focused 43 0 0
Control group 15 2 3
Easy and useful…but not commonly tracked
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INDICATOR 2: Female borrowers retention rate
EASY? Yes NoGender-focused 44 2Control group 19 1
USEFUL? Yes No I don't knowGender-focused 43 0 0
Control group 15 2 3Easy and useful…but not commonly tracked
Borrower retention rate – MIX’s formula
Number of active borrowers current year / (New borrowers current year + Number of active borrowers previous year).
In our example, FY2012 is the current year and FY2011 is the previous year.
Data show that female retention rate is higher
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INDICATOR 3: Average female loan balance
EASY? Yes No
Gender-focused 44 2
Control group 18 2
USEFUL? Yes No I don't know
Gender-focused 43 2 1
Control group 15 3 2
Easy, useful and tracked
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Average loan balance from a gender lens
Gender-focused Control groupFemale Male Female Male
Median 725 1128 708 975Average 1078 1325 997 1349
25th percentile 260 680 375 662
75th percentile 1328 1697 1181 1774
Survey – Average loan balance FY2012 (in USD)
MIX – Average loan balance FY2012 (in USD)
GLOBALFemale Male
Median 871 1170Average 1574 204425th percentile 379 52775th percentile 1783 2196
…with wide regional differences
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INDICATOR 4: Portfolio at risk >30 by gender
EASY? Yes No Valid answer
Gender-focused 25 20 25
Control group 18 2 13
USEFUL? Yes No I don't knowGender-focused 42 1 0
Control group 15 3 2
Useful but not so easy and not consistently tracked
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INDICATOR 5: Female staff retention rate
EASY? Yes No
Gender-focused 44 1
Control group 18 2
USEFUL? Yes No I don't know
Gender-focused 37 2 5
Control group 12 5 3
Easy, useful and tracked
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MFIs show low female representation across staff and Board
Gender-focused (total, 44)
Gender-focused (excluding South Asia, 39)
Control group
Median 37.1 40.48 47.08Average 40.39 43.35 42.9125th percentile 27.71 17.2 3575th percentile 50 93 53.01
Survey - % female staff
No correlation between gender equality agenda and presence of women among staff
MIX data:
Asia is the region with the lowest percentage of female staff
Women are still low represented at the board and management level
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Other indicators tested
Useful but difficult to track and report on
Financial literacy by gender
Poverty outreach
Clients’ children at school Unclear how useful and difficult to track and report on
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MIX partners with a dedicated group of industry leaders:
MIX Global and Project Partners
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