Kazmicrofinance, LLC (formerly KLF)

Gross Loan Portfolio USD, 2011: 52.5 million

Número de prestatarios activos 2011: 45,992

Saldo promedio de crédito por prestatario USD, 2011: 1,142.4

Depósitos USD, 2011: 0.0

Assets USD, 2011: 61.4 million

Número de depositantes 2011: 0

Misión:

We assist welfare growth of our customers by providing access to quality microfinance services.

Objectives:
- Provide access to microfinance services all over Kazakhstan, including rural regions;
- Develop culture of microfinance services;
- Make a benefit for ... Leer más

Antecedentes y principales retos:

KMF's main goal is to support small business development through credit and training to micro businesses by establishing a new level of banking operations for them.

Dirección:

30 Kaladyakov Str.

Almaty

050010

Kazakhstan

Teléfono:

(727) 250-6877

Fax:

(727) 250-6876

Correo electrónico:

info [at] kmf [dot] kz

Website:

www.kmf.kz

Principales fuentes de financiamiento:

Grants

Loans

Shareholder Capital

Productos y servicios:

Loans

Training and Consulting

Productos:

KLF offers two lending programs: Group and Individual lending including 5 loan products. The products are divided according to the source of income.

KMF loan products :

1. Group product "DOSTAR" is aimed at micro-entrepreneurs, small business, consimer needs and agro ... Leer más

Servicios proporcionados:

Business Development Services

Buscar (Tipos de Inversión):

Loans in Local Currency

Capacity-Building Grants

Donations

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Sep 7 1997

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
Adolescents and youth (below 18)	3
Clients living in urban areas	3
+ Development goals (ranked by importance)
Increased access to financial services	1
Gender equality and women's empowerment	1
Growth of existing businesses	1
Employment generation	2
Development of start-up enterprises	3
Poverty reduction	3
Improvement of adult education	4
+ Poverty targets
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
Microcredit for household needs/consumption
SME loans
Loans for agriculture
Loans for education
Loans for rural entrepreneurs
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	продукт "Дос" сумма до 1000 долларов
+ 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)
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Outreach to remote/rural communities
Outreach to women
Client retention/drop-out rate
Portfolio quality
+ Social responsibility to the environment
This institution identifies enterprises with environmental risk

+ Poverty measurement tools in use
Own proxy poverty index

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