BURO Bangladesh, formerly BURO Tangail

Objectifs:

An independent, sustainable, cost-effective microfinance institution that provides diverse, appropriate and market responsive quality financial and business development services at competitive prices along with other social development programs to very poor, poor and vulnerable non-poor customers.

Contexte et principaux défis:

BURO Bangladesh has been operating since 1990, and is dedicated to the economic development of the poor in Bangladesh. The beginnings of BURO Bangladesh have been difficult, until 1991 when it dedicated itself to micro-finance with a well-defined approach and a new management. The main ... En savoir plus

Adresse:

House No.12/A Block No. CEN(F) Road No. 104 Gulshan-2

Dhaka-1212

1212

Bangladesh

Téléphone:

88 02 885 7876

Fax:

88 02 885 8447

Email:

burot [at] bdmail [dot] net

Site web:

www.burobd.org

Produits et Services:

Loans

Training and Consulting

Produits:

BURO Bangladesh is mainly concentrated on loans to micro-entrepreneurs (81% of the Outstanding Portfolio). BURO Bangladesh disburses collateral fee loans. Primarily, the credit procedures are based on the Grameen model but with some modifications. BURO Bangladesh motivates the target people ... En savoir plus

à la recherche de :

Loans in Local Currency

Date de création:

Jan 1 1990

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)
Femmes	1
Clients living in rural areas	2
Clients living in urban areas	3
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Génération d'emploi	3
Développement d'entreprises "start-up"	4
Croissance des entreprises existantes	5
Habitat	6
Eau et normes sanitaires	6
Opportunités pour les jeunes	6
Improvement of adult education	7
	8
Scolarisation des enfants	8
Amélioration de la santé	9
+ Poverty targets
Clients très pauvres
Clients pauvres
+ Gouvernance
+ 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
+ Savings products offered
Voluntary savings accounts
+ Compulsory insurance products required
Loan Insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
Services de développement de l'activité
+ Education services offered
Education financière de base
Child and youth education
+ Health services offered
Services médicaux de base
+ 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
Inclusion des communautés rurales/isolées
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
This institution identifies enterprises with environmental risk
This institution offers lending lines linked to alternative energies

+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
BWTP	Network Affiliation
INAFI	Network Affiliation
M-CRIL	Rating
MFN	Network Affiliation

MFI Report