Association des CVECA et CECA du Centre

Misión:

Participer en tant qu'acteurs du dispositif, à la mise en place des réseaux de CVECA et CECA au service des populations défavorisées et des exclus du système bancaire. Ces réseaux doivent offrir des services financiers de proximité à leurs membres, devenir pérennes, rentables et ... Leer más

Antecedentes y principales retos:

A3C a été mis en place par Mifed Cameroun avec l’appui du CIDR en 1996, date de son institutionnalisation. Il comprend un ensemble de 70 Caisses Villageoises d’Epargne et de Crédit Autogérées (CVECA), dont 33 agréés par le Ministère des finances, 3 Caisses d’Epargne et de Crédit Autogérées ... Leer más

Dirección:

BP 4340

Yaoundé

Cameroon

Teléfono:

+237 22 10 83 16

Correo electrónico:

ofcentre2006 [at] yahoo [dot] fr

Principales fuentes de financiamiento:

Loans

Savings

Shareholder Capital

Productos y servicios:

Loans

Voluntary Savings

Insurance

Training and Consulting

Servicios proporcionados:

Second-tier Lending to MFIs

Health

Buscar (Tipos de Inversión):

Equity

Loans in Local Currency

Loans in USD

Capacity-Building Grants

Donations

Guarantees

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 1996

Fin de año fiscal:

31-Dec

Current Legal Status:

NGO

Regulada:

yes

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Women	1
Clients living in rural areas	1
Adolescents and youth (below 18)	2
Clients living in urban areas	2
+ Development goals (ranked by importance)
Increased access to financial services	1
Poverty reduction	2
Children's schooling	3
Health improvement	4
Gender equality and women's empowerment	4
Water and sanitation	5
Growth of existing businesses	6
Youth opportunities	7
Employment generation	7
Housing	8
+ Poverty targets
Very poor clients
Poor clients
Low income clients
+ Governance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit for household needs/consumption
Loans for agriculture
Loans for education
Housing loans
Santé et petit commerce
+ Savings products offered
Checking accounts
Compulsory savings accounts (cash collateral)
Fixed term deposits
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary health insurance
Voluntary workplace insurance
Frais funéraires
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
+ Education services offered
Financial literacy education
Basic health/nutrition education
+ Health services offered
+ Women's empowerment services offered
Leadership training for women
Women's rights education/gender issues training
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Epargne, crédit
+ Social responsibility to clients
+ Client protection principles in use
The loan approval process requires evaluation of borrower repayment capacity and loan affordability. Loan approval does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
Internal audits check household debt exposure, lending practices that violate procedures including unauthorized re-financing, multiple borrowers or co-signers per household, and other practices that could increase indebtedness.
Productivity targets and incentive systems value portfolio quality at least as highly as other factors, such as disbursement or customer growth. Growth is rewarded only if portfolio quality is high.
Prices, terms and conditions of all financial products are fully disclosed to the customer prior to sale, including interest charges, insurance premiums, minimum balances, all fees, penalties, linked products, third party fees, and whether these can change over time.
Staff is trained to communicate effectively with all customers, ensuring that they understand the product, the terms of the contract, their rights and obligations. Communications techniques address literacy limitations (e.g. reading contracts out loud, materials in local languages).
Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.
+ Cost of services to clients
Flat interest method
+ Social responsibility to staff
+ Human resources
Benefits (medical insurance, pension contribution)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Portfolio quality
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
+ Poverty measurement tools in use

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MFI Report