PRIDE Tanzania

Gross Loan Portfolio USD, 2011: 37.0 million

Número de prestatarios activos 2011: 100,055

Saldo promedio de crédito por prestatario USD, 2011: 370.1

Depósitos USD, 2011: 14.2 million

Assets USD, 2011: —

Número de depositantes 2011: 121,354

Misión:

The mission of PRIDE-Tanzania is to create a sustainable financial and information services network for micro- and small-scale entrepreneurs to increase incomes and employment and stimulate business growth.

Antecedentes y principales retos:

PRIDE - Tanzania has operated an NGO since 1994 but plans to transform into a regulated institution by 2005.

Dirección:

420 Ngorongoro Wing, AICC; P.O. Box 13900

Arusha

Tanzania

Teléfono:

255-27-2502945

Fax:

255 27 250 4050

Correo electrónico:

ptzinfo [at] pride-tz [dot] org

Website:

www.pride-tz.org

Principales fuentes de financiamiento:

Grants

Productos y servicios:

Loans

Productos:

PRIDE -Tanzania uses a "modified Grameen" methodology - clients are required to form groups of five individuals (Enterprise Groups, or EGs) who agree to guarantee each other's loans; ten EGs form a larger center, or MEC (Market Enterprise Committee) who acts as another level of guarantee on the ... Leer más

Buscar (Tipos de Inversión):

Loans in Local Currency

Donations

Capacity Building Grants

Loans in US$

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 1994

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
+ 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 savings accounts (cash collateral)
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Remittances services
+ 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:
+ 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
+ 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
Ability to attract new clients from target market
Quality of interaction with clients based on client feedback mechanisms
Client retention/drop-out rate
Portfolio quality
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
+ Poverty measurement tools in use

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