ASUSU CIIGABA | MFIs in Niger

Misión:

- ASUSU CIIGABA's mission is to provide micro-entrepreneurs with a range of financial services both in rural and urban areas. - La mission est d’assurer la mise en place institutionnelle et le développement de divers services financiers.

Dirección:

Niamey

BP 12287

Niger

Teléfono:

+227 20 755 365

Correo electrónico:

ciigaba [at] asusu [dot] org

Principales fuentes de financiamiento:

Grants

Savings

Shareholder Capital

Productos y servicios:

Loans

Voluntary Savings

Fund Transfer Services

Servicios proporcionados:

Full-scale Financial Services

Second-tier Lending to MFIs

Business Development Services

Other

Buscar (Tipos de Inversión):

Guarantees

Capacity Building Grants

Other Investment

Equity investments

Loans in US$

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 2005

Fin de año fiscal:

31-Dec

Current Legal Status:

NBFI

Regulada:

yes

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Women	1
Clients living in rural areas	2
Clients living in urban areas	3
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Increased access to financial services	1
Poverty reduction	2
Gender equality and women's empowerment	3
Health improvement	4
Housing	5
+ Poverty targets
Poor clients
Low income clients
+ Governance
Has trained members of its board on social performance management
Has a formal board committee that monitors social performance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
Microcredit for household needs/consumption
SME loans
Loans for agriculture
Loans for education
Housing loans
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Fixed term deposits
Special purpose savings accounts
+ Compulsory insurance products required
Assurance décés exigée à partir de montant de crédit supérieur à 15000000 FCFA
+ Voluntary insurance products offered
+ Other financial products and services offered
Debit/credit card
Mobile banking services
Remittances services
+ Non-financial services offered
+ Enterprise services offered
Business development services
+ Education services offered
Financial literacy education
Child and youth education
VIH/SIDA, Droit de la femme et de l'enfant
+ 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:
+ 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
Declining balance interest method
+ Social responsibility to staff
+ Human resources
Transparency on salary (a clear salary scale based upon market salaries)
Benefits (medical insurance, pension contribution)
Protection at work (safety, anti-harassment)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
Existence d'une commission genre et d'un programme de motivation du personnel
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Outreach to remote/rural communities
Outreach to women
Quality of interaction with clients based on client feedback mechanisms
Quality of social data collected
Client retention/drop-out rate
Portfolio quality
Evaluation annuelle des performances et évaluation trimestrielle des équipes opérationnelles, renouvellement des contrats sur la base des objectifs assignés aux agents
+ Social responsibility to the environment
This institution identifies enterprises with environmental risk
Une opération " 1 crédit 1 arbre " a été initiée ainsi que l'opération gaz de cuisine dans le cadre de la lutte contre la désertification.
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)
USAID Poverty Assessment Tool (PAT)
Per capita household expenditure
Participatory wealth ranking (PWR)
Own proxy poverty index

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