This paper is intended to provide an overview of a framework that can be used by microfinance institutions to help strengthen their operations. This document describes the Division of Responsibilities (“DoR”) framework and when it is most appropriate to use it, as well as benefits and challenges faced. Finally it shares the experience of MI-BOSPO, a microfinance institution (MFI) in Bosnia and Herzegovina, and the impact on its operations of applying this framework in its individual lending program. MI-BOSPO’s completed DoR table for its individual lending program is included as well.