Client Protection Certification

MicroFinanza Rating is licensed by the SMART Campaign to conduct Client Protection Certification.


Client Protection Certification is an independent, third party evaluation to publicly recognize financial institutions that meet adequate standards of care to implement all of the Client Protection Principles throughout its operations, product offerings and treatment of clients.


Improve client protection policies and practices during the certification process;
Demonstrate sound client protection to clients, funders, regulators and the general public;
Get a public mark of achievement and differentiate as a pro-consumer financial institution.

"It has been a very enriching experience undergoing this certification process. I personally think this Smart Certification concept is a great initiative, it helps practitioners to realise that fundamentals of business (i.e. being client centric) will never change. These finer aspects of business need to be recognised and highlighted, which Smart Campaign does perfectly. Once again thank you very much, MFR team."
Sadaf Sayeed
Chief Executive Officer Muthoot Microfin Ltd, India
"Implementation of CPC principles in Credo Bank resulted in improved policies and precise procedures, increased customers’ satisfaction and enhanced trust from our existing or potential partners. Obtaining the certificate would have been impossible without the professional suggestions, knowledge and best practice sharing of MicroFinanza Rating team members."
credo bank
Nikoloz Kutateladze
Head of Marketing and Sales Department Credo Bank Georgia


To be certified, a financial institution needs to comply with all the Certification standards derived from the seven client protection principles:

  1. Appropriate Product Design and Delivery Channels
  2. Prevention of Overindebtedness
  3. Transparency
  4. Responsible Pricing
  5. Fair and Respectful Treatment of Clients
  6. Privacy of Client Data
  7. Mechanisms for Complaints Resolution

The Certification process consists of offsite and onsite verification by our trained and independent analysts. The onsite verification includes focus group discussions with clients.
Certification can be carried out as a stand-alone process or combined to Financial Rating or Social Rating, with more efficiency and reduced costs.

Certified Organizations

Client Protection Certifications carried out by MicroFinanza Rating and issued by the SMART Campaign.    Please note that certification should be renewed after two years to validate the FI adherence to Client Protection Principles and to retain the certificate. The process is called Check in

 InstitutionCountryCharter TypeDate Certified
KEP-Trust-Logo-2016 KEP Trust Kosovo NBFI August 2018
MicroPlan logo MicroPlan Zimbabwe NBFI July 2018
promuj Pro Mujer Nicaragua Nicaragua NBFI *Checked in July 2018 
Mar 2016
Schermata 2016-03-23 a 17.25.10 Agroinvest Serbia NBFI *Checked in Jun 2018 
Feb 2016
pro-mujer Pro Mujer Argentina NBFI June 2018
logoFMFB1 The First MicroFinance Bank Ltd Pakistan Bank June 2018
logocrezcamos Crezcamos Colombia NBFI April 2018

September 2013

pact logo PGMF Myanmar NBFI April 2018
LOGO FINCA Ecuador Banco Finca Ecuador Ecuador Bank April 2018
xacbank en XacBank Mongolia Bank

Checked in March 2018

RPMI-LOGO1 RPMI Philippines NBFI March 2018
banco fie logo Banco FIE Bolivia Bank February 2018
VFLanka Logo VisionFund Lanka Sri Lanka NBFI February 2018
Logo MBK MBK Indonesia NBFI

Checked in November 2017

ACF logo.jpg Asian Credit Fund Kazakhstan NBFI August 2017
pro-mujer Pro Mujer IFD Bolivia NBFI July 2017
KMFBL logo Khushhali Microfinance Bank Pakistan Bank July 2017
FINCA Bank FINCA Bank Kyrgyzstan Kyrgyzstan Bank July 2017

Dec 2014

FINCA Financiera H 2CP FINCA Nicaragua Nicaragua NBFI June 2017
LOGO IMON International TAJIKISTAN Imon International Tajikistan NBFI May 2017

Nov 2014

muthoot-LOGO  Muthoot Microfin India NBFI May 2017
komida2 s  Komida Indonesia NBFI May 2017
Finca-Logo  Finca Pakistan Pakistan NBFI May 2017
Kompanion-logo  Kompanion Bank Kyrgyz Republic Bank April 2017
Bina-Artha-Ventura  Bina Artha Ventura Indonesia NBFI Mar 2017
AlAmana-Microfinance logo-en-francais1  Al Amana Microfinance Morocco NBFI Feb 2017
LogoAttawfiq  Attawfiq Morocco NBFI Feb 2017
logo visionfund gif3  Banco VisionFund Ecuador Bank Dec 2016
Bayport-Zambia Logo  Bayport Financial Services Zambia Zambia Payroll micro-lender Dec 2016
Credo-logo--eng small  Credo Georgia NBFI Dec 2016
cooperativa-cooprogreso  Cooprogreso Ecuador NBFI Dec 2016
en-logo  FINCA Kosovo Kosovo NBFI Nov 2016
arnur credit  Arnur Credit Kazakhstan NBFI Oct 2016
Logotipo-Banco-Popular  Banco Popular Honduras Bank Oct 2016
logo FUBODE  FUBODE Bolivia NGO Sep 2016
colombia horiztontal-whitebg-full-color 1  OI Colombia Colombia NGO Sep 2016
brac logo BRAC Microfinance Bangladesh NGO Aug 2016
Enlace logo Enlace El Salvador Limited Company Jul 2016
MCF Mikra logo MFC Mikra Bosnia&Herzegovina NBFI Jun 2016
Finca Mexico

From 2017: Te Creemos

Mexico NBFI Jun 2016
*Greyed out 
logo raiz EDPYME RAIZ Peru NBFI

*Checked in Jun 2016
 Aug 2014

tamwil Tamwil El Fellah Morocco Limited Company May 2016
Logo baitushum Bai Tushum Bank Kyrgyzstan Bank

*Checked in May 2016
 May 2014

Logo transparent Annapurna Microfinance Pvt. Ltd. India NBFI Apr 2016
FINCA Logo red on white FINCA Bank Georgia Georgia Bank Apr 2016
logo fundacionparaguaya Fundación Paraguaya Paraguay NGO Mar 2016
header logo en Opportunity Bank Serbia Serbia< Bank *Checked in Mar 2016 
Mar 2014

Schermata 2015-12-11 a 17.48.31
Demir Bank Azerbaijan Bank Nov 2015
logomibospo Mi-Bospo Bosnia&Herzegovina NBFI Oct 2015
Feb 2013
partner logo full Partner Microcredit Foundation Bosnia&Herzegovina Bank Oct 2015
Jan 2013
logo_AFK.png AFK Microfinance Kosovo Kosovo NGO  *Checked in Oct 2017
Oct 2015
logocrezcamos Crezcamos Colombia NBFI *Checked in Sep 2015
Sep 2013
en-logo FINCA Azerbaijan Azerbaijan NBFI Aug 2015
ASKI logo2 Alalay Sa Kaunlaran, Inc. (ASKI) Philippines NGO Jul 2015
Logo viator Viator Microcredit Azerbaijan NBFI Apr 2015
*Greyed out 
Schermata 2016-03-23 a 17.43.49 KazMicroFinance - KMF LLC Kazakhstan NBFI Apr 2015
*Greyed out 
bayport-logo Bayport Financial Services Botswana Payroll micro-lender   Mar 2015
logo azercredit AzerCredit LLC Azerbaijan NBFI Oct 2014
logo Arvand MDO Arvand LLC Tajikistan NBFI May 2014
*Greyed out 
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