Over the past year, CCL has engaged with Grameen Foundation, CoCoon and Continuum to address a critical need – the development of talent in microfinance organizations. As microfinance organizations have emerged as a solution to addressing poverty, the sector has boomed in countries like India. With growth has come the awareness of the lack of organizational capacity especially at the middle manager ranks. These managers represent the backbone of microfinance institutions (MFIs) and are the point where microfinance’s lofty mission must be translated into a sustainable and scalable operation. The middle managers are often poorly equipped to deal with this challenge. They are often young and have modest educational backgrounds. The pace of change and the complexity of their work requires high level of leadership skills. In addressing this challenge, we decided that what may be the most important capability we could develop in these managers was not a set of technical skills but mindfulness. This would enable them to pause in the face of unfamiliar challenges and. Rather than feel helpless or react automatically, they might consider their options including reaching out to others for alternate perspectives.
Working with CoCoon, a HR consultancy in Bangalore, we used the design thinking process of rapid prototyping to experiment with a series of interventions that coupled classroom learning with a mobile app, developmental assignments and peer mentoring, workbooks and a simulation. Over the course of three months we moved the group of participants from Ujjivan (a microfinance organization recently named as India’s best MFI) through a sequenced leadership experience that flowed across the dimensions of leading self, leading others, and leading the organization. We used a process that challenged them to learn, apply the learning, and teach others what they’d learned.

When we wrapped up the program in December, we had the participants interview each-other about their learning and the impact. Here’s some of what we heard:
“I feel enriched. Usually we have training programs for only 2-3 days, but this one covered over 3 months and allowed me to learn concepts and then go back and try them in the field.”
“I could definitely a change in my personality. My team is looking differently at me, but it’s too early to say. They’ve said I’m giving more feedback. And I have encouraged my team to use these techniques. I’ve helped them to see how they can better present changes to the teams in the field.”
“Most of what I’ve learned here is very new to me because I’m a new leader. Earlier, I would assume that I knew the situation, but now I spend time with my people to listen and really try to understand the situation.”
“When someone didn’t accomplish the work in the past and I got angry and shouted at them. Now, I call them and explain why it’s important and listen to them.”
“At every meeting we start with a new idea. Initially people start with “sir, it’s not possible”. But I challenged them to have a broader mindset.”
“Our way of thinking is now totally different. Instead of focusing on what went wrong, we approach things differently. We ask people rather than tell.”
Overall, participants indicated that they felt more confident and now approach challenges in a more collaborative way. This has eased the pressure for the managers to have the answers from the get-go and bear the sole burden for results. Their teams also increasingly operate with a “growth mindset” – focusing on how they can solve problems versus the reasons why the problem is hard to solve. The outcomes from the 3-month program also included impact on financial metrics. This is heartening as it encourages organizations to invest in development.
As we look to the future and scaling out the program, we will focus on out how to reduce training costs. Our next round of experimentation will explore using a mobile app as a primary delivery platform. The growing use of smart phones in developing countries allows rich media transfer as well as portable and bite-sized learning options.
Microfinance has pioneered a scalable path to financial inclusion. Through this work with microfinance managers, we hope we might also develop a way to scale leadership development to those who haven’t been traditionally served.






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