Association des CVECA et CECA du Centre

Objectifs:

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 ... En savoir plus

Contexte et principaux défis:

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 ... En savoir plus

Adresse:

BP 4340

Yaoundé

Cameroon

Téléphone:

+237 22 10 83 16

Email:

ofcentre2006 [at] yahoo [dot] fr

Principales sources de financement:

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Training and Consulting

Services Offerts:

Second-tier Lending to MFIs

Health

à la recherche de :

Equity

Loans in Local Currency

Loans in USD

Capacity-Building Grants

Donations

Guarantees

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1996

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NGO

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Clients living in rural areas	1
Adolescents and youth (below 18)	2
Clients living in urban areas	2
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Réduction de la pauvreté	2
Scolarisation des enfants	3
Amélioration de la santé	4
Egalité des sexes et autonomisation des femmes	4
Eau et normes sanitaires	5
Croissance des entreprises existantes	6
Opportunités pour les jeunes	7
Génération d'emploi	7
Habitat	8
+ Poverty targets
Clients très pauvres
Clients pauvres
Clients à faibles revenus
+ Gouvernance
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Microcredit for household needs/consumption
Prêts agricoles
Prêts d'éducation
Prêts au logement
Santé et petit commerce
+ Savings products offered
Comptes courants
Compulsory savings accounts (cash collateral)
Dépots à terme
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary health insurance
Voluntary workplace insurance
Frais funéraires
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
+ Health services offered
+ Women's empowerment services offered
Formation au leadership pour les femmes
Women's rights education/gender issues training
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Epargne, crédit
+ Responsabilité sociale envers les clients
+ Principes de protection des clients en usage
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.
+ Coûts des services aux clients
Méthode du taux constant
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Benefits (medical insurance, pension contribution)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
MIFED	Partner
MTN (Mobile Money)	Partner
PAMIGA	Network Affiliation

MFI Report