Asmitha Microfin Ltd.

Objectifs:

To mobilise resources in order to provide small loans to poor people, to establish sustainable income generating business enterprises

Adresse:

1-2-58, Plot No.1-3 N Block, Kakatiya Nagar Habsiguda

Hyderabad

Andhra Pradesh

500007

India

Téléphone:

+91 09573111002

Fax:

+91 (0) 40 2715 3156

Email:

aml [at] asmithamicrofin [dot] com

Site web:

www.asmithamicrofin.com

Principales sources de financement:

Loans

Shareholder Capital

Produits et Services:

Loans

Produits:

Group Lending
Individual Lending

Services Offerts:

Business Development Services

à la recherche de :

Loans in Local Currency

Donations

Capacity Building Grants

Equity investments

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 2002

Date de fin d'exercice:

31-Mar

Statut légal actuel:

NBFI

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Clients living in rural areas	2
Clients living in urban areas	3
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Croissance des entreprises existantes	2
Egalité des sexes et autonomisation des femmes	3
Génération d'emploi	4
Opportunités pour les jeunes	5
Scolarisation des enfants	6
Amélioration de la santé	7
Habitat	8
Eau et normes sanitaires	9
Improvement of adult education	10
+ Poverty targets
Clients très pauvres
Clients pauvres
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management
Dispose d'un comité officiel au sein du conseil qui surveille la performance sociale
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Microcredit loans for Income Generating Activities
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary credit life insurance
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Services de développement de l'activité
+ Education services offered
Education financière de base
+ 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:
+ 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 de l'amortissement dégressif
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Transparency on salary (a clear salary scale based upon market salaries)
Protection au travail (sécurité, anti-harcèlement)
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
Inclusion des communautés rurales/isolées
Inclusion des femmes
Qualité de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Qualité des données sociales collectées
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
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

Partenariats

Current
Nom	Relation
Craft Silicon	Vendor
Crisil	Rating
FAO-GTZ MicroBanking System	Vendor
M-CRIL	Rating
MFIN	Network Affiliation
SA-DHAN	Network Affiliation

MFI Report

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Profil de Performance Sociale

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