• About

  • Social Rating: Area of Analysis

    MicroRate’s social ratings measure the social performance of microfinance institutions (MFIs). A social rating not only provides an independent analysis of the MFI’s social management, but also provides an in-depth evaluation of social results and social commitment, framed in its respective context.

    In order to accurately capture this information, MicroRate begins a preliminary desk-based analysis of the data and information provided by the customer. There follows a thorough on-site evaluation at the institution, which includes interviews with staff and managers at different levels, as well as visits to a few branch offices of the MFI. During the field evaluation, any additional information that is necessary and relevant for the analysis is assembled.



    Definition and Monitoring of Social Objectives

    Board, Senior Management and Staff Commitment

    Product Design and Adequacy

    Social Responsibility to the Client

    Social Responsibility to Employees

    Responsible Finances

    The final rating is a result of the analysis and in-depth discussion by MicroRate’s International Rating Committee, which is made up of senior managers and experienced analysts. It should be noted that MicroRate does not apply a rigid rating formula, since the impact of each risk on general performance will be different depending on the institution. The rating grade is valid for up to a year after the committee’s findings.