+ 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)
Accès accru aux services financiers
1
Croissance des entreprises existantes
2
Egalité des sexes et autonomisation des femmes
3
Réduction de la pauvreté
4
Génération d'emploi
5
Développement d'entreprises "start-up"
6
Scolarisation des enfants
7
Habitat
8
Improvement of adult education
9
Amélioration de la santé
10
+ Poverty targets
Clients très pauvres
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
Prêts agricoles
Prêts d'éducation
Prêts au logement
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
Networking with institutions and between clients
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
basic legal education, citizen education, new technologies
+ Health services offered
+ Women's empowerment services offered
Women's rights education/gender issues training
Services de conseils juridiques pour femmes victimes de violence
Héritage
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
Solidarity group loans, improvement of adult education, basic health education
+ 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).
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.)
+ 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)
Consultative commission for staff, annual staff retreat (weekend at a hotel), subsidized loans for staff
+ 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
Reimbursement rate and renewal rate
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
Per capita household expenditure
MFI Report
