Association Microfinance Oued Srou

Encours Brut de Prêts USD, 2010: 709,029.4

Nombre d'emprunteurs actifs 2010: 2,779

Solde moyen de prêt par emprunteur USD, 2010: 255.1

Epargne USD, 2010: 0.0

Actif USD, 2010: 1.6 million

Nombre d'épargnants 2010: 0

Objectifs:

La mission de AMOS consiste à lutter contre la pauvreté en financant des activités génératrices de revenus en priorité en milieu rural pour une clientèle essentiellement féminine et devenir une institution financièrement autonome.

Contexte et principaux défis:

Autonomie financière, satisfaire aux besoins de sa clientèle en adaptant les produits offerts aux besoin des bénéficiaires.

Adresse:

Rue Ouad Sbou Hay Takadoum Lekbab

KHENIFRA (BP. 55)

Morocco

Téléphone:

00212 535 39 43 07

Email:

aosmck [at] iam [dot] net [dot] ma

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

à la recherche de :

Loans in Local Currency

Donations

Guarantees

Capacity Building Grants

Date de création:

Jan 1 2000

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)
+ Development goals (ranked by importance)
+ Poverty targets
Clients très pauvres
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
Prêts agricoles
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Transfert à titre d'éxpérience
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
+ Education services offered
Education financière de base
Sensibiliser sur le nouveau code de la famille
+ Health services offered
+ Women's empowerment services offered
Women's rights education/gender issues training
Services de conseils juridiques pour femmes victimes de violence
Orientation vers les centres d'écoute
+ 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 du taux constant
+ Responsabilité sociale envers le personnel
+ Ressources humaines
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
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)
Participatory wealth ranking (PWR)

Partenariats

Current
Nom	Relation
PlaNIS	Funding
SIDI	Funding

MFI Report