Client Protection Certification

M-CRIL is licensed by the SMART Campaign to certify financial service providers who fully comply with the Client Protection Principles (CPP).

This certification programme enables financial institutions to demonstrate publicly their adherence to global standards of client protection.

The certification covers standards for 7 Client Protection Principles:

  1. Appropriate product design and delivery
  2. Prevention of over-indebtedness
  3. Transparency
  4. Responsible pricing
  5. Fair and respectful treatment of clients
  6. Privacy of client data
  7. Mechanisms for complaint resolution

The methodology includes review of policy documents, direct interviews with board members, senior management and department heads, and branch visits for interaction with field staff and clients.

The certification is valid for a period of 4 years subject to a check-In for renewal at the two-year mid-period.

M-CRIL has conducted certifications, surveillance audits/check-ins, and pilot missions in India, Bangladesh, Cambodia, Ghana, Kenya, Kyrgyzstan, Pakistan, Philippines, Sri Lanka, Tanzania, and Zambia. Scroll down to see the list of certified institutions.

CPP Certification works in tandem with ratings, and can be combined with a rating mission at a relatively small additional cost, compared to the cost of standalone Certification. Pricing parameters for certification are available on the Smart Campaign website.

Read more about our approach:  M-CRIL Client Protection Certification brochure 

M-CRIL Appeals and Complaints Policy

Contact our Senior Analyst Sana Zehra, for more information.

List of Certified Organisations:

Active Certifications

Name of institution Country Certified Check-In
AMK Microfinance Institution Plc. Cambodia

Amret Co., Ltd. Cambodia

Arohan Financial Services Private Ltd. India
Bharat Financial Inclusion Ltd. (earlier SKS Microfinance Private Ltd.) India

Cashpor Micro Credit India
CreditAccess Grameen Ltd. (earlier Grameen Koota Financial Services Pvt. Ltd.) India
CreditAccess Philippines Financing Company Inc. (OnePuhunan) Philippines

Equitas Micro Finance Private Ltd. India

Fusion Microfinance Pvt. Ltd. India

HatthaKaksekar Ltd. Cambodia

Izwe Loans Zambia Ltd. Zambia

Janalakshmi Financial Services Pvt. Ltd. India

Kashf Foundation Pakistan

Kompanion Bank Krygyzstan

KREDIT Microfinance Institution Plc. Cambodia

LOLC (Cambodia) Plc (earlier ThaneakeaPhum (Cambodia) Ltd.) Cambodia
LOLC Micro Credit Ltd. Sri Lanka
SATHAPANA Bank Plc Cambodia

Satin Creditcare Network Ltd. India

Sonata Finance Private Limited India

SwadhaarFinServe Private Ltd. India

Ujjivan Small Finance Bank (earlier Ujjivan Financial Services (P) Ltd.) India
Utkarsh Micro Finance Pvt. Ltd. India

WB Finance Co., Ltd. (earlier VisionFund Cambodia) Cambodia

For status of the certification and the certification report, please refer to the Smart Campaign’s website: