Lebanese Association for Development -- Al Majmoua

Encours Brut de Prêts USD, 2010: 17.8 million

Nombre d'emprunteurs actifs 2010: 23,487

Solde moyen de prêt par emprunteur USD, 2010: 758.5

Epargne USD, 2010: 0.0

Actif USD, 2010: 22.9 million

Nombre d'épargnants 2010: 0

Objectifs:

Al Majmoua's aim is to create a financial intermediary that will serve Lebanese micro-entrepreneurs and will create social change and increase welfare.

Contexte et principaux défis:

Al Majmoua was issued from an SCF Program and had to build its own image in Lebanon as a professional, trustworthy and non-discriminatory institution.

Adresse:

Spears, Watwat Street

Beirut

Lebanon

Téléphone:

00 961 1 360914

Fax:

00 961 1 369269

Email:

contact [at] almajmoua [dot] org [dot] lb

Site web:

www.almajmoua.com

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Training and Consulting

Produits:

1-Individual Lending/Majmoua Fund:
Loan Term is min. 6 months, max. 18 months; size USD 500-7,500.
Flat interest rate of 1.4%-1.65% per month.
Upfront fee 2% of loan.
Monthly repayments and no grace period.
Guarantee: Fixed Assets or Personal Guarantee (cosigner or ... En savoir plus

à la recherche de :

Capacity Building Grants

Equity investments

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1997

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NGO

réglementé:

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Adolescents and youth (below 18)	2
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Egalité des sexes et autonomisation des femmes	3
Opportunités pour les jeunes	4
Génération d'emploi	5
Réduction de la pauvreté	6
Habitat	7
Improvement of adult education	8
Développement d'entreprises "start-up"	9
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Microcredit for household needs/consumption
Prêts aux PME
Prêts agricoles
Prêts d'éducation
Prêts au logement
Loans for vulnerable workers - start-up loans
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
Quality improvement - value chain analysis - marketing opportunities
+ Education services offered
Education financière de base
Household budgeting - savings management
+ Health services offered
+ Women's empowerment services offered
Formation au leadership pour les femmes
Women's rights education/gender issues training
Referral system to other organizations for female victims of violence
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Poverty group lending product with loan amount entry of USD 100
+ 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.
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.
+ Coûts des services aux clients
Méthode du taux constant
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Transparency on salary (a clear salary scale based upon market salaries)
Benefits (medical insurance, pension contribution)
Protection au travail (sécurité, anti-harcèlement)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
Grievance mechanism related to the HR department
+ Incitations du personnel liées à la performance sociale
Qualité du portefeuille
Number of applications disbursed per month and amount disbursed per month
+ Responsabilité sociale envers l'environnement
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use
Indice de pauvreté spécifique à l'institution