The Microfinance Assessment Tool 1.0 (MAT 1.0)

Sep 2006
United States of America , September, 27 2006 - The Microfinance Assessment Tool 1.0 (MAT 1.0) is an interactive decision-making model for investment in microfinance. Please take a few minutes, read all the questions carefully, and provide the best answers based on your knowledge of a potential or hypothetical investment area.

"Actors in the field of microfinance – decision-makers, project planners, and investors – often have a predetermined strategy as to the perceived most appropriate way to provide financial services to poor members of a society. This limited view leads to insufficient reflection on the appropriateness of a particular model when expanding to a new project area. Also, as the use of inappropriate models has potentially harmful effects, it is argued that a project should not be model-driven (top-down), but needs-driven (bottom-up). 

Starting from this premise, MAT 1.0 is conceived as a simplified tool to lead through some of the considerations that should guide decision-makers, project planners, and investors when considering what type of financial services could be most appropriate in a particular setting.

Obviously, the complexity of the decision-making process, the high context-specificity of every project, as well as the subjective appreciation of many crucial indicators makes the adoption of a clear-cut formula impossible.

Without addressing issues of actual project design, MAT 1.0 should help to make this complex decision-making process more conscious and aspires to indicate some advantages and pitfalls of different models in particular circumstances. Far from locking decision-makers into a predetermined model, such a conscious process invites to explore innovative ideas to address these pitfalls and enhance the positive outcomes. In essence, it functions as a market research tool.


Research Analysis Tools

The fund indexes, institution benchmarks and other market information displayed here are all Symbiotics designed analysis tools, created in-house by our analysts and experts. Symbiotics has one of the oldest track records in microfinance investment analysis dating back to the late 1990s; its indexes and benchmarks have been regularly used as markers by investors, asset managers, financial institutions and practitioners. These, as well as several other research products, are available through the Research Account. Click on the link below to find out more.

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