+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in urban areas
1
Femmes
2
+ Development goals (ranked by importance)
Réduction de la pauvreté
1
Accès accru aux services financiers
2
Développement d'entreprises "start-up"
3
Amélioration de la santé
4
Scolarisation des enfants
5
Génération d'emploi
6
+ Poverty targets
Clients très pauvres
Clients pauvres
+ Gouvernance
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary health insurance
+ Other financial products and services offered
Services d'aide à l'épargne
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
Child and youth education
+ Health services offered
Services médicaux de base
+ Women's empowerment services offered
Services de conseils juridiques pour femmes victimes de violence
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
Number of partners insured; number of kick start partners promoted
+ 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.
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).
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
Benefits (medical insurance, pension contribution)
Protection au travail (sécurité, anti-harcèlement)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
Staff Provident Fund to which the institution contributes; right to unionize; maternity leave for women; annual leave
+ 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
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
MFI Report
