[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-250095-105":53,"doc-detail-250095-en":127},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":120,"head_meta":122,"extra_data":124,"updated_unix":126},105,"en","introducing-individual-lending-how-to-guide","Introducing Individual Lending - How-to Guide","","A practical how-to guide that outlines how Women’s World Banking supports institutions in introducing individual lending. It defines individual lending, contrasts it with group lending, and explains key benefits, eligibility assessment, and institutional readiness requirements. The guide then walks through a staged process covering planning; designing and testing a new product; conducting pilot tests; implementing a rollout plan; and monitoring outcomes against objectives, including internal and external impact tracking.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":11,"@type":70,"position":76},"https://docshare.wps.com/template/presentations/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/introducing-individual-lending-how-to-guide/250095/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/introducing-individual-lending-how-to-guide/250095.png","ImageObject",442,249,{"name":88,"@type":89},"Aria","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-21","2026-09-12",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",9,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What is individual lending, and how does it differ from group lending?","Question",{"text":109,"@type":110},"The guide defines individual lending and highlights key differences between individual and group lending models to support correct product positioning.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What steps are involved in introducing individual lending?",{"text":114,"@type":110},"The process is organized into phases: planning, designing and testing the product, piloting, implementing the program rollout, and monitoring and evaluation.",{"name":116,"@type":107,"acceptedAnswer":117},"How should institutions monitor and evaluate the new individual lending program?",{"text":118,"@type":110},"Monitoring is structured to compare results against objectives and track progress versus the action plan, including both internal impact and external impact, followed by identifying required changes.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},250095,1791736465,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":8,"category_name":11,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":141,"read_time":142},2336464648322,"https://ap-avatar.wpscdn.com/avatar/2200025388227c56fec?_k=1778556882303663488","WWB HOW-TO GUIDE  \nIntroducing Individual Lending  \nAuthors and Acknowledgements  \nAuthors: Hans Dellien and Olivia Leland  \nThe following team members made significant contributions to the How-to Guide:  \nContent:  \nAnna Gincherman  \nSaiful Islam  \nElizabeth Lynch  \nCecille Zacarias  \nUrsule Yekpe  \nEditors:  \nRobin Francis  \nPetra Tuomi  \nDesign and Layout:  \nDonald Creedon  \nKari Litzmann  \nCopyright © 2006 Women’s World Banking  \nAll rights reserved  \nNo part of this report may be photocopied, translated or reduced to any electronic medium or machine-readable form without the prior written consent of Women’s World Banking.  \nAcknowledgements  \nTable of Contents  \nTable of Contents  \nAn Overview of the Individual Lending How-to Guide 1  \nThe How-to Guide 1  \nObjectives 1  \nTarget Audience 1  \nContent of the Guide 2  \nMore Information 3  \nIntroduction 5  \nDefinition of Individual Lending 5  \nKey Differences between Group and Individual Lending 5  \nKey Benefits of Individual Lending 6  \nIdentifying Suitable Institutions to Introduce Individual Lending 6  \nInstitutional Pre-Requisites for Introducing Individual Lending 7  \nThe Process – Introducing Individual Lending 8  \nHow Long Does the Whole Process Take? 9  \nWho Should Lead the Process? 9  \nResource Requirements and Timing 9  \nTools 10  \nChecklist 10  \nPhase 1—Planning 11  \nOverview of Phase 1 11  \nAssessing the Industry and Competitive Environment 12  \nEstimate Client Demand for Individual Lending 13  \nDetermine Institutional Readiness 15  \nDecide Whether or Not to Proceed 17  \nPrepare the Individual Lending Leadership Team 18  \nCreate the Action Plan 20  \nBuilding Internal Commitment 22  \nResource Requirements and Timing 23  \nPhase 2A—Designing and Testing the New Product 27  \nOverview of Phase 2A 27  \nConduct and Analyze Market Research 27  \nDesign Product 36  \nPrepare Product Documentation 38  \nDesign Processes 38  \nBuilding Institutional Capacity 42  \nResource Requirements and Timing 49  \nTools 49  \nChecklist 50  \nPhase 2B—Pilot Test 53  \nPilot Test Phase Overview 53  \nPreparing for the Pilot 53  \nRunning the Pilot 57  \nMonitoring and Evaluating the Pilot 57  \nSecond Pilot Phase 58  \nResources and Timing 58  \nTools 59  \nChecklist 59  \nPhase 3—Individual Lending Program Implementation 61  \nProgram Implementation Phase Overview 61  \nDevelop a Rollout and Implementation Plan 61  \nBegin the Rollout 65  \nResource Requirements and Timing 65  \nTools 66  \nChecklist 66  \nPhase 4—Monitoring and Evaluation 67  \nPhase Overview 67  \nMonitor Success against Objectives 67  \nMonitor Progress against your Action Plan 68  \nInternally Monitoring Impact 68  \nMonitoring External Impact 69  \nIdentify Changes Required 69  \nResource Requirements and Timing 70  \nTools 70  \nChecklist 70  \nConclusion 73  \nKey Points and Lessons 73  \nFinal Thoughts 74  \nAppendix A: Key Differences between Individual and Group Lending 77  \nAppendix B: Institutional Diagnostic 79  \nAppendix C: Market Analysis Module 89  \nAppendix D: Segmentation Analysis at Kashf, Pakistan: Terms of Reference 97  \nAppendix E: Individual Lending Manual Template 103  \nAppendix F: Key Points to be Checked and Considered  \nby the Credit Committee 105  \nAppendix G: Example of Individual and Group Lending Process Map, MI-BOSPO, Bosnia Herzegovina 109  \nAppendix H: Training for Credit and Operations Staff 111  \nAppendix I: Sample Performance Report 115  \nSelected Bibliography 121  \nTable of Contents  \nTable of Examples  \nTable of Examples  \nFigure 1: Key Differences between Individual and Group Lending 5  \nFigure 2: Individual Lending Process Overview 8  \nFigure 3: Using Research and Analysis to Answer Key Strategic Questions 11  \nFigure 4: Typical Phases in the Growth of a Microfinance Market 13  \nFigure 5: Key Dimensions in Assessing Institutional Readiness and Capacity 16  \nFigure 6: The Role of the Individual Lending Coordinator 20  \nFigure 7: Template for Assistance with Creating the Action Plan 21  \nFigure 8: Competitor/Industry Anal","cbCaiug7da7tsjTv","https://ap.wps.com/l/cbCaiug7da7tsjTv","pdf",3130074,130,"English","# An Overview of the Individual Lending How-to Guide\n## Objectives\n## Target Audience\n## Content of the Guide\n# Introduction\n## Definition of Individual Lending\n## Key Differences between Group and Individual Lending\n## Key Benefits of Individual Lending\n# The Process – Introducing Individual Lending\n## Phase 1—Planning\n## Phase 2A—Designing and Testing the New Product\n## Phase 2B—Pilot Test\n## Phase 3—Individual Lending Program Implementation\n## Phase 4—Monitoring and Evaluation\n# Conclusion\n## Key Points and Lessons\n# Appendices","[{\"question\":\"What is individual lending, and how does it differ from group lending?\",\"answer\":\"The guide defines individual lending and highlights key differences between individual and group lending models to support correct product positioning.\"},{\"question\":\"What steps are involved in introducing individual lending?\",\"answer\":\"The process is organized into phases: planning, designing and testing the product, piloting, implementing the program rollout, and monitoring and evaluation.\"},{\"question\":\"How should institutions monitor and evaluate the new individual lending program?\",\"answer\":\"Monitoring is structured to compare results against objectives and track progress versus the action plan, including both internal impact and external impact, followed by identifying required changes.\"}]","Introducing Individual Lending - How-to Guide | PDF",1789253882,46]