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.


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 Microfinance Institutional Rating or Social Rating, with more efficiency and reduced costs.

"BRAC considers it an enriching experience while working with Microfinanza Rating on Smart Campaign certification. The team was very much enthusiastic to look into BRAC's system and processes at every detail possible, which turns out to be a rigorous exercise to re-examine our entire client centric practices with a whole new lens of client protection principles. The team was also very much experienced to understand the local context well and suggest accordingly. BRAC looks forward to similar instances to work more with Microfinanza rating in future."

Sahed Shams Azad
General Manager Microfinance Programme, BRAC, 2016                                                                                                                                                                                                                                                                                    brac logo

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

 Name of institutionCountryCharter TypeDate Certified
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
Bayport-Zambia Logo  Bayport Financial Services Zambia Zambia Payroll micro-lender Dec 2016
Credo-logo--eng small  Credo Georgia 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 Mexico NBFI Jun 2016
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
promuj Pro Mujer Nicaragua Nicaragua NBFI Mar 2016
header logo en Opportunity Bank Serbia Serbia< Bank *Checked in Mar 2016 
Mar 2014
Schermata 2016-03-23 a 17.25.10 Agroinvest Serbia NBFI Feb 2016

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  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
Schermata 2016-03-23 a 17.43.49 >KazMicroFinance - KMF LLC Kazakhstan NBFI Apr 2015
bayport-logo Bayport Financial Services Botswana Payroll micro-lender   Mar 2015
en-logo FINCA Kyrgyzstan Kyrgyzstan NBFI Dec 2014
logoIMON Imon International Tajikistan NBFI Nov 2014
logo azercredit AzerCredit LLC Azerbaijan NBFI Oct 2014
logo Arvand MDO Arvand LLC Tajikistan NBFI May 2014
*Greyed out 
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