Cameroon Co-operative Credit Union League, Ltd.

Encours Brut de Prêts USD, 2010: 141.5 million

Nombre d'emprunteurs actifs 2010: 74,262

Solde moyen de prêt par emprunteur USD, 2010: 1,905.1

Epargne USD, 2010: 172.1 million

Actif USD, 2010: —

Nombre d'épargnants 2010: 341,105

Objectifs:

The mission of the CAMCCUL is to develop, institute and promote an efficient gender sensitive cooperative network by providing sustained quality products and services to affiliates, encouraging equitable, apolitical and full participation from its various stakeholders.

Contexte et principaux défis:

CamCCUL was first registered on 8th of June 1968, with headquarters in Bamenda, North West Province of Cameroon. Presentenly, it has affiliates in all the ten provinces of the country.

Adresse:

Bamenda North West Province

Bamenda

North West Province

PO Box 211

Cameroon

Téléphone:

+237 3336 1377

Fax:

+237 3336 1637

Email:

camccul [at] yahoo [dot] com

Site web:

www.camccul.org

Principales sources de financement:

Savings

Produits et Services:

Loans

Voluntary Savings

à la recherche de :

Donations

Capacity Building Grants

Other Investment

Equity investments

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1968

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Credit Union / Cooperative

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in rural areas	1
Clients living in urban areas	2
Femmes	3
Adolescents and youth (below 18)	4
Farmers' groups	5
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Génération d'emploi	2
Développement d'entreprises "start-up"	3
Amélioration de la santé	4
Croissance des entreprises existantes	4
Eau et normes sanitaires	4
Opportunités pour les jeunes	5
Habitat	6
Scolarisation des enfants	6
Improvement of adult education	7
Egalité des sexes et autonomisation des femmes	7
+ Poverty targets
Pas d'objectif précis en termes de pauvreté
+ 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
Microcredit for household needs/consumption
Prêts aux PME
Prêts agricoles
Prêts d'éducation
Prêts au logement
+ Savings products offered
Comptes courants
Voluntary savings accounts
Dépots à terme
Comptes d'épargne à but spécifique
+ Compulsory insurance products required
+ Voluntary insurance products offered
Epargne-vie et protection du credit
+ 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
+ Health services offered
+ Women's empowerment services offered
Formation au leadership pour les femmes
+ 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.
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
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
Inclusion des femmes
Qualité des données sociales collectées
+ Responsabilité sociale envers l'environnement
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use