Fondi BESA

Objectifs:

The mission of Besafund j.s.c is to contribute in the country economical growth and poverty reduction in the urban and semi urban areas by promoting micro and small enterprise sector in Albania. BesaFund j.s.c will ensure also technical assistance for the entrepreneurs including qualification ... En savoir plus

Contexte et principaux défis:

Aiming to be present and support the development of our clients businesses in all market segments in focus of BesaFund j.s.c activity, we continue to further extend our activity in the existing area and by opening new offices.Actually BesaFund j.s.c operates in:13 branches and 44 offices

Adresse:

Rr.Barrikada VIII, Pall.5

Tirana

Albania

Téléphone:

355 0422 53841

Fax:

355 0422 53842

Email:

mfi [at] besa [dot] org [dot] al

Site web:

www.fondibesa.com

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Produits:

The main and only service that we provide is small loans to micro entrepreneurs.

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1998

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 urban areas	1
Femmes	2
Clients living in rural areas	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Développement d'entreprises "start-up"	3
Réduction de la pauvreté	4
Génération d'emploi	5
Opportunités pour les jeunes	6
+ Poverty targets
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
Youth loans, specifically for young people who want to start a business
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
+ 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)
Benefits (medical insurance, pension contribution)
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
Qualité du portefeuille
Size of loan portfolio
+ Responsabilité sociale envers l'environnement
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use