+ Détails de la mission
+ Target markets (ranked by importance)
Femmes
1
Clients living in urban areas
2
Clients living in rural areas
3
+ Development goals (ranked by importance)
Réduction de la pauvreté
1
Croissance des entreprises existantes
2
Génération d'emploi
3
Accès accru aux services financiers
4
Développement d'entreprises "start-up"
5
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ Gouvernance
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
Prêts agricoles
Prêts au logement
+ Savings products offered
+ Compulsory insurance products required
Seguro de deuda
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Services de développement de l'activité
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
Child and youth education
+ Health services offered
+ Women's empowerment services offered
Emprendurismo
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
Crédito agrícola
+ 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.
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
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
+ Poverty measurement tools in use