Beselidhja/Zavet Microfinance

Objectifs:

The mission of BZMF is to support transfortmation in the lives of the poor and small-medium enterprises by providing innovative financial services and to contribute to the to the economic development of Kosovo

Contexte et principaux défis:

BZMF Started as a program of World Relief since 1999, an American-based non-government organization (NGO) established in 1944.The program was established following a housing reconstruction program run by World Relief’s disaster response team.With a combination of very lean operations and a ... En savoir plus

Adresse:

Street UCK, No. 18

Pristina

Kosovo

Téléphone:

+381(0)38 225 023

Fax:

+381(0)38 247 951

Email:

info [at] bzmf [dot] org

Site web:

www.bzmf.org

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Training and Consulting

Services Offerts:

Business Development Services

à la recherche de :

Loans in Local Currency

Loans in USD

Donations

Guarantees

Capacity Building Grants

Equity investments

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Juil 2 2000

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NGO

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
+ Development goals (ranked by importance)
+ Poverty targets
+ 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 agricoles
Prêts au logement
+ 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
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
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
AMIK	Network Affiliation
Consorzio Etimos	Funding
Crystal Clear Software, Ltd.	Vendor
Oikocredit	Funding
World Relief	Network Affiliation

MFI Report