Association Microfinance Oued Srou

Misión:

La mission de AMOS consiste à lutter contre la pauvreté en financant des activités génératrices de revenus en priorité en milieu rural pour une clientèle essentiellement féminine et devenir une institution financièrement autonome.

Antecedentes y principales retos:

Autonomie financière, satisfaire aux besoins de sa clientèle en adaptant les produits offerts aux besoin des bénéficiaires.

Dirección:

Rue Ouad Sbou Hay Takadoum Lekbab

KHENIFRA (BP. 55)

Morocco

Teléfono:

00212 535 39 43 07

Correo electrónico:

aosmck [at] iam [dot] net [dot] ma

Principales fuentes de financiamiento:

Grants

Loans

Productos y servicios:

Loans

Buscar (Tipos de Inversión):

Loans in Local Currency

Donations

Guarantees

Capacity Building Grants

Fecha en que se estableció:

Jan 1 2000

Fin de año fiscal:

31-Dec

Current Legal Status:

NGO

Regulada:

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
+ Development goals (ranked by importance)
+ Poverty targets
Very poor clients
Poor clients
Low income clients
+ Governance
Has trained members of its board on social performance management
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
Loans for agriculture
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Transfert à titre d'éxpérience
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
+ Education services offered
Financial literacy education
Sensibiliser sur le nouveau code de la famille
+ Health services offered
+ Women's empowerment services offered
Women's rights education/gender issues training
Counseling/legal services for female victims of violence
Orientation vers les centres d'écoute
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
+ 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.
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
A mechanism to handle customer complaints is in place, has dedicated staff resources, and is actively used. (Suggestion boxes alone are generally not considered adequate.)
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
+ Cost of services to clients
Flat interest method
+ Social responsibility to staff
+ Human resources
Protection at work (safety, anti-harassment)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Basis of staff incentives related to social performance
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)
Participatory wealth ranking (PWR)

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