{"id":1919,"date":"2016-12-14T06:47:51","date_gmt":"2016-12-14T06:47:51","guid":{"rendered":"http:\/\/www.m-cril.com\/oldsite\/?page_id=1919"},"modified":"2019-07-04T07:03:15","modified_gmt":"2019-07-04T07:03:15","slug":"client-protection","status":"publish","type":"page","link":"https:\/\/www.m-cril.com\/oldsite\/client-protection\/","title":{"rendered":"Client Protection Certification"},"content":{"rendered":"

[vc_row][vc_column width=”1\/2″][vc_column_text]M-CRIL is licensed<\/a> by the SMART Campaign to certify financial service providers who fully comply with the Client Protection Principles (CPP).
\n[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_column_text]\"\"\"\"[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]This certification programme enables financial institutions to demonstrate publicly their adherence to global standards of client protection.
\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row overlay_row=”” css=”.vc_custom_1483469224776{margin-top: 25px !important;margin-bottom: 25px !important;padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #d2edf2 !important;}”][vc_column][vc_column_text]The certification covers standards for 7 Client Protection Principles:<\/p>\n

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

    [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]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.<\/p>\n

    The certification is valid for a period of 4 years subject to a check-In for renewal at the two-year mid-period.<\/p>\n

    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.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]
    \n[\/vc_column_text][\/vc_column][\/vc_row][vc_row overlay_row=”” css=”.vc_custom_1485494380890{margin-top: 10px !important;margin-bottom: 10px !important;}”][vc_column][vc_column_text]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<\/a> website.<\/p>\n

    Read more about our approach: \u00a0M-CRIL Client Protection Certification brochure\u00a0<\/a><\/p>\n

    M-CRIL Appeals and Complaints Policy<\/a><\/p>\n

    Contact our Assistant Vice President Sana Zehra, sanazehra@m-cril.com<\/a> for more information.<\/p>\n

    List of Certified Organisations:<\/strong><\/p>\n

    Active Certifications<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    Name of institution<\/strong><\/td>\nCountry<\/strong><\/td>\nCertified<\/strong><\/td>\nCheck-In<\/strong><\/td>\n<\/tr>\n
    AMK Microfinance Institution Plc.<\/td>\nCambodia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Amret Co., Ltd.<\/td>\nCambodia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Arohan Financial Services Private Ltd.<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
    Bharat Financial Inclusion Ltd. (earlier SKS Microfinance Private Ltd.)<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Cashpor Micro Credit<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
    CreditAccess Grameen Ltd. (earlier Grameen Koota Financial Services Pvt. Ltd.)<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
    CreditAccess Philippines Financing Company Inc. (OnePuhunan)<\/td>\nPhilippines<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Equitas Micro Finance Private Ltd.<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Fusion Microfinance Pvt. Ltd.<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    HatthaKaksekar Ltd.<\/td>\nCambodia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Izwe Loans Zambia Ltd.<\/td>\nZambia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Janalakshmi Financial Services Pvt. Ltd.<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Kashf Foundation<\/td>\nPakistan<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Kompanion Bank<\/td>\nKrygyzstan<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    KREDIT Microfinance Institution Plc.<\/td>\nCambodia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    LOLC (Cambodia) Plc (earlier ThaneakeaPhum (Cambodia) Ltd.)<\/td>\nCambodia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		<\/td>\n<\/tr>\n
    LOLC Micro Credit Ltd.<\/td>\nSri Lanka<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
    SATHAPANA Bank Plc<\/td>\nCambodia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Satin Creditcare Network Ltd.<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Sonata Finance Private Limited<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    SwadhaarFinServe Private Ltd.<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    Ujjivan Small Finance Bank (earlier Ujjivan Financial Services (P) Ltd.)<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
    Utkarsh Micro Finance Pvt. Ltd.<\/td>\nIndia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n

    WB Finance Co., Ltd. (earlier VisionFund Cambodia)<\/td>\nCambodia<\/td>\n\n
      \n
    • <\/li>\n<\/ul>\n<\/td>\n
    		\n

    \n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    For status of the certification and the certification report, please refer to the Smart Campaign’s website:https:\/\/www.smartcampaign.org\/certification\/certified-organizations<\/a><\/p>\n

    [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]
    \n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

    [vc_row][vc_column width=”1\/2″][vc_column_text]M-CRIL is licensed by the SMART Campaign to certify financial service providers who fully comply with the Client Protection Principles (CPP). [\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text] [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]This certification programme enables financial institutions to demonstrate publicly their adherence to global standards of client protection. [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text] [\/vc_column_text][\/vc_column][\/vc_row][vc_row overlay_row=”” css=”.vc_custom_1483469224776{margin-top: 25px !important;margin-bottom: 25px !important;padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;background-color: #d2edf2 !important;}”][vc_column][vc_column_text]The certification […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-services.php","meta":{"footnotes":""},"class_list":["post-1919","page","type-page","status-publish","hentry"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.m-cril.com\/oldsite\/wp-json\/wp\/v2\/pages\/1919","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.m-cril.com\/oldsite\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.m-cril.com\/oldsite\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.m-cril.com\/oldsite\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.m-cril.com\/oldsite\/wp-json\/wp\/v2\/comments?post=1919"}],"version-history":[{"count":124,"href":"https:\/\/www.m-cril.com\/oldsite\/wp-json\/wp\/v2\/pages\/1919\/revisions"}],"predecessor-version":[{"id":3017,"href":"https:\/\/www.m-cril.com\/oldsite\/wp-json\/wp\/v2\/pages\/1919\/revisions\/3017"}],"wp:attachment":[{"href":"https:\/\/www.m-cril.com\/oldsite\/wp-json\/wp\/v2\/media?parent=1919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}