+ Détails de la mission
+ Target markets (ranked by importance)
Femmes
1
Clients living in rural areas
2
Adolescents and youth (below 18)
3
Clients living in urban areas
4
+ Development goals (ranked by importance)
Réduction de la pauvreté
1
Eau et normes sanitaires
2
Accès accru aux services financiers
3
Génération d'emploi
4
Développement d'entreprises "start-up"
5
Egalité des sexes et autonomisation des femmes
6
Croissance des entreprises existantes
6
Opportunités pour les jeunes
7
Amélioration de la santé
8
Scolarisation des enfants
9
Improvement of adult education
10
Habitat
11
Other development objective:
12
+ Poverty targets
Clients à faibles revenus
1
+ 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
1
Microcredit for household needs/consumption
1
Prêts aux PME
Prêts agricoles
1
Prêts d'éducation
1
Prêts au logement
1
Other credit products offered:
1
Int ps offerothercreditloanstext c
Sanitation, safe drinking water, nutrition, solar light, sewing machine, mosquto net - these are the activities where loan products are offered in the form of Installation of IHL, water filters, small shops including solar light purchase, sewing machine i
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
1
Compulsory agricultural insurance
1
Other compulsory insurance required:
1
+ Voluntary insurance products offered
Voluntary life insurance
1
Voluntary agricultural insurance
1
Voluntary health insurance
1
+ Other financial products and services offered
Services bancaires mobiles
1
Microleasing
1
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
1
Services de développement de l'activité
1
+ Education services offered
Education financière de base
1
Santé de base/éducation à la nutrition
1
Child and youth education
1
Formation à la sécurité et à la santé au travail
1
Other education services offered:
1
+ Health services offered
Services médicaux de base
1
Services médicaux spéciaux pour les femmes et les enfants
1
Other health services offered:
1
Int ps nonfinsvchealthothertext c
Linkage between medical institutions
+ Women's empowerment services offered
Formation au leadership pour les femmes
1
Women's rights education/gender issues training
1
Services de conseils juridiques pour femmes victimes de violence
1
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
Health, Livelihood, Water and Sanitation, Consumption, Environment protection, Education, SME
+ 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
+ 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
This institution identifies enterprises with environmental risk
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use
Per capita household expenditure
1
Per capita household income
MFI Report
