Education is the kindling of a flame, not the filling of a vessel.Socrates


Find out about the impact of our programs by clicking on one of the countries below.

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Our partnership with Thaneakea Phum Cambodia (TPC) in Cambodia began in 2012. The first priority was to take TPC management through a comprehensive Client Protection assessment and identify ways to strengthen its service provision and responsiveness to client needs.

12 TPC managers participated in this assessment and review process.


In the first year of partnership with TPC, Good Return public lenders funded 400 microloans to a value of $127,525. 100% of loans were repaid.


In 2012 TPC agreed to utilise Good Return support to establish an in-house client training team.

We trained 8 staff in facilitation and training skills, and developed curricula, workplans and budgets. We mentored the in-house trainers through their initial program financial education to 147 people in communities served by TPC.




Our initial engagement with SPBD Fiji on responsible finance began in 2013. Details on these activities will be provided shortly.


Our partnership with SPBD Fiji started in 2012. In its first year Good Return public lenders funded 355 loans to a value of $100,075. 100% of loans have been repaid.


Good Return staff have assisted SPBD Fiji in developing a financial education training and coaching program. It centres on maintaining a personal financial diary, so that participants can plan and track their cash flows.

In its first two years the program trained 43 staff and 986 women clients. This learning is now being rolled out to all SPBD members. 




Starting in 2011-12, we provided training to 44 staff of SPBD Tonga. New skills in customer service and leadership helped them better perform their functions as branch and centre managers. Since then the focus of our support has been on embedding the village training program within SPBD Tonga operations.


Our lending program with SPBD Tonga started in 2011, with the funding of 50 loans. This grew to 178 loans and $68,675 in funding by the third year, and 100% of the loans have been repaid.


Good Return staff have assisted SPBD Fiji in developing a financial education training and coaching program, involving  maintenance of a financial diary, so that participants can plan and track their cash flows.

In the first two years of the program we trained 34 staff and 1,291 women clients. This training is now being rolled out to all SPBD members.





The partnership between Good Return and Keling Kumang Credit Union (CUKK) was established in 2012.

An initial institutional assessment identified priority areas for support. The concepts and approaches to Social Performance Management were presented and discussed with 37 staff and 2 board members. This led to the piloting of a poverty tracking scorecard with 40 staff trained. We also engaged with 10 staff to introduce an innovative environmental performance management tool.


CUKK management agreed to use Good Return microloans to pilot a new type of loan focused on poorer community members.

In the first year of our partnership with CUKK, Good Return public lenders funded 58 of these microloans to a value of $9,975. 100% of loans were repaid.


After conducting a client training needs assessment in 2012, we helped CUKK to establish a client training unit – focusing on financial education and sustainable agriculture.

12 CUKK staff trainers and 18 community trainers were trained to deliver financial literacy training, and this training was delivered to 206 CUKK clients in that first year. In addition, 5 staff were trained to deliver a farmer field school focused on sustainable oil palm production.




Our partnership with St. Elizabeth Community Development Program (SECDEP) goes back to 2010.  After an initial focus on training in risk management and poverty tracking, we expanded our support to areas including credit management, governance and customer care. Training numbers have increased year-on-year, and more recently the focus has been on client protection.


In the first year of our partnership with SECDEP, Good Return public lenders funded 246 loans. From year 2 we supported renewable energy loans for solar lighting and fuel-efficient cook stoves. This innovative campaign led to a surge in the demand and supply of loans, which reached 1,008 loans in 2013, to a value of $106,525.


Commencing in 2010, we supported SECDEP to establish a client training unit, to coordinate and deliver financial education training to its women clients. Using a cascade training model, staff trainers train village trainers who then deliver training to their peers. Over the years since, the program has grown in scale and scope.

After an initial focus on managing debt wisely, and household budgeting, this program expanded to cover savings, sustainable agriculture, and small business management. A coaching program has also been established to provide follow-up coaching to assist trainees to incorporate and reinforce improved financial behaviours. In 2012-13 the program reached 183 trainers and 2265 village trainees in 2012-2013.




Nirdhan Utthan Bank, meaning ‘Bank for Upliftment of the Poor’, was one of our first Good Return partners back in 2009. After introducing current approaches to Social Performance Management to its management team in 2012, we agreed to train its staff to implement a pilot project in poverty data collection in 2013. Nirdhan used the PPI tool which we had updated and launched at a national microfinance conference in early 2013. By 2014, through a partnership with the Rural Microfinance Development Centre, we had rolled out PPI pilots across 19 different MFIs.


When Good Return launched back in 2009, one of our first partners was Nirdhan Utthan Bank (“the bank for uplifting the poor”) in Nepal.  Nirdhan was established in 1998 and serves over 115,000  – all women – clients. During our four years of support, Good Return funded loans to 1,600 Nepalese borrowers to the value of approx AUD 500,000. In 2013, the partnership ended amicably as Nirdhan adjusted its client outreach strategies. We continue to work indirectly with them as we build a relationship with CMF, a national network of microfinance lenders in Nepal.


From 2009 to 2013 we worked with World Education Nepal to develop and grow a program that trained women community members to train their peers in basic literacy and numeracy, financial literacy, and livelihood skills. The program reached over 4,500 rural women.