Chartered Financial Assistance

Encours Brut de Prêts USD, 2011: 2.4 million

Nombre d'emprunteurs actifs 2011: 6,296

Solde moyen de prêt par emprunteur USD, 2011: 378.5

Epargne USD, 2011: 2.7 million

Actif USD, 2011: —

Nombre d'épargnants 2011: 6,434

Objectifs:

To provide a complete suite of financial services that help people work their way out of poverty

Contexte et principaux défis:

The roots of Chartered Financial Assistance (CFA) go back to 2002 when an NGO called the National Centre for Education and Development (NCED) was founded with one of its goals being the aleviation of poverty. In 2007, Prima Commercial Fund (PCF) was licensed as an MFI with similar goals. In ... En savoir plus

Adresse:

PO Box 132

Buea

Southwest

Cameroon

Téléphone:

+237 3316 0526

Email:

contact [at] cfamicrofinance [dot] com

Site web:

http://www.cfamicrofinance.com

Principales sources de financement:

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Funds Transfer Services

Training and Consulting

Financial Services

Institutional Startup & Transformation

Services Offerts:

Full-scale Financial Services

Business Development Services

Education

à la recherche de :

Equity

Loans in Local Currency

Loans in USD

Capacity-Building Grants

Donations

Guarantees

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 16 2007

Statut légal actuel:

NBFI

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Poor	1
Clients living in rural areas	2
Femmes	3
Clients living in urban areas	4
Adolescents and youth (below 18)	5
+ 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
Egalité des sexes et autonomisation des femmes	5
Opportunités pour les jeunes	6
Croissance des entreprises existantes	7
Scolarisation des enfants	8
Improvement of adult education	9
Amélioration de la santé	10
Habitat	11
Eau et normes sanitaires	12
+ Poverty targets
Clients très pauvres
Clients pauvres
Clients à faibles revenus
+ 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
Compulsory savings accounts (cash collateral)
Dépots à terme
Comptes d'épargne à but spécifique
Health Accounts
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary health insurance
+ Other financial products and services offered
Services bancaires mobiles
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
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
Women's rights education/gender issues training
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Microenterprise Loans, Daily Savings Accounts, Health Insurance, MCC Loans, Agricultural Loans etc.
+ 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
Inclusion des femmes
Qualité de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Qualité des données sociales collectées
Client retention/drop-out rate
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 identifies enterprises with environmental risk
+ Poverty measurement tools in use
USAID Poverty Assessment Tool (PAT)