Knowledge for Poverty Alleviation :: Interplay of Capital

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About the KPA tools Anatomy of Success and Vulnerability Interplay of Capital Changes in Community Assets/Capital

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Interplay of Capital

This tool shows assets leveraged, vulnerabilities addressed, and interventions made during project implementation. This tool provides a bird’s eye view of movements in the different assets and capital and how these contributed to the success of the project. The resulting table can later on be converted into graphical form to tell the story of how the community’s assets worked to build more intangible assets and gain tangible ones.

A sample of this tool is presented below.

Interplay of Capital During Project Implementation: Micro-Livelihood Support Program and Expanded Micro-Livelihood Support Program

ASSETS/CAPITAL USED
Structural Capital	written manual on policies and procedures on group lending;
Social Capital	trust established between GDMPC and members
Stakeholder Capital	continued support from PEF;
Human Capital	leadership qualities of manager; desire of micro-entrepreneurs to see their business prosper; younger and more educated staff.
Access to Technology	LACCAS software that was customized to improve monitoring of accounts;
VULNERABILITIES ADDRESSED
Human Capital	members are not able to pay on time while some completely renege on their agreements; dishonest AOs; only few micro-entrepreneurs are able to set aside savings; 'dole-out' attitude of old members; inadequate skills of staff in MF operations.
Financial Capital	inadequate funds to sustain financial services for members and to respond to potential clients' needs;
Social Capital	dominance of '5/6' operators; tendency of some coop officers to stir up animosity among members; entry of 'competitors' (coop/private companies also offering MF products);
INTERVENTIONS ON THE ASSETS AND VULNERABILITIES
Structural Capital	more efficient organizational flow, e.g., monitoring system reinforced through the position of an area coordinator; instituting an incentive system as part of motivating the centers to aim for zero delinquency innovations in dealing with delinquencies such as facilitating a common income-generating venture for a center with delinquency problems; utilizing MIS in determining projects that needed support and those that are no longer viable;
Financial Capital	extending livelihood loans to old members who still have outstanding loans with LBP;
Social Capital	utilized trust built between the manager & BOD in re-gaining harmonious relationships; used peer pressure in instilling discipline on weekly payments and forced savings; tapping expertise and knowledge of MOFECO and ZMCN in enhancing skills of staff (e.g., bookkeeping and customer service) enhanced members' values regarding loan payments thru the weekly center meetings.
Stakeholder Capital	tapped LGU support during medical outreach conducted for members; training facilitated by PEF to equip AOs and manager with necessary skills for MF project

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posted by Jasmin on 04/04/08

The diagram version of this table would be very interesting.