Microdeposit Organization "Amlok"

Objectifs:

This is an organization specializing in the provision of microfinance activities and attraction of deposits of individuals and legal entities. Our aim is poverty reduction and increasing the economic safety of vulnerable parts of the population in Tajikistan.

Contexte et principaux défis:

Lack of access to external funding.

Adresse:

N. Karabaeva Street 92/1

Dushanbe

Tajikistan

Téléphone:

(+992 37) 880-26-07

Fax:

(+992 37) 234-16-04

Email:

amlok [at] mail [dot] ru

Principales sources de financement:

Loans

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Produits:

Loans and deposits.

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 2007

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NBFI

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in rural areas	1
Femmes	2
Clients living in urban areas	3
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Réduction de la pauvreté	3
Génération d'emploi	4
Développement d'entreprises "start-up"	5
Eau et normes sanitaires	6
Habitat	7
Egalité des sexes et autonomisation des femmes	8
Improvement of adult education	9
Scolarisation des enfants	10
Amélioration de la santé	11
Opportunités pour les jeunes	12
+ 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 au logement
+ Savings products offered
Comptes courants
Voluntary savings accounts
Dépots à terme
Comptes d'épargne à but spécifique
+ Compulsory insurance products required
стахование депозитов физических лиц
+ Voluntary insurance products offered
+ Other financial products and services offered
Services d'aide à l'épargne
+ Services non financiers offerts
+ Enterprise services offered
Services de développement de l'activité
обслуживание счетов
+ Education services offered
Education financière de base
+ Health services offered
+ Women's empowerment services offered
Formation au leadership pour les femmes
+ 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.
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
Qualité des données sociales collectées
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
Per capita household expenditure
Per capita household income
Means test

Partenariats

Current
Nom	Relation
AMFOT	Network Affiliation

MFI Report