DJOMEC | MFIs in Senegal

Encours Brut de Prêts USD, 2010: 1.4 million

Nombre d'emprunteurs actifs 2010: 7,440

Solde moyen de prêt par emprunteur USD, 2010: 182.3

Epargne USD, 2010: 1.2 million

Actif USD, 2010: 2.0 million

Nombre d'épargnants 2010: 12,361

Objectifs:

-Lutter contre la pauvreté -Fight against poverty

Contexte et principaux défis:

- L'IMF est née lors d'un forum Ensemble "Développons le Djolof" et pour but de lutter contre la pauvreté dans le djolof -Djomec was born during a forum called "Développons le Djolof" to fight against poverty in Djolof region.

Adresse:

Marché central Escale Linguère

Linguère

BP 92

Senegal

Téléphone:

(221) 33 968 10 01

Email:

medjolof1 [at] sento [dot] sn

Principales sources de financement:

Grants

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

à la recherche de :

Donations

Capacity Building Grants

Equity investments

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1999

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
Femmes	2
Adolescents and youth (below 18)	3
Clients living in urban areas	4
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Génération d'emploi	2
Croissance des entreprises existantes	3
Accès accru aux services financiers	4
Egalité des sexes et autonomisation des femmes	5
Opportunités pour les jeunes	6
Amélioration de la santé	7
Habitat	8
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ 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 agricoles
Prêts d'éducation
Prêts au logement
Transport
+ Savings products offered
Comptes courants
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
Comptes d'épargne à but spécifique
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Remittances services
+ 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.
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
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 femmes
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
DRS-SFD	Regulation
Oikocredit	Funding
Terrafina Microfinance	Funding

MFI Report

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Profil de Performance Sociale

Partenariats

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