Initiative Développement Microfinance

Objectifs:

To reduce the vulnerability of families living under precarious conditions through financial and non financial services that are customized and scalable

Réduction de la vulnérabilité des familles vivant en situation de grande précarité par une offre de services financiers et non ... En savoir plus

Contexte et principaux défis:

Created in 1998 and supported since 2003 by Entrepreneurs du Monde, ID Microfinance (IDM) helps several thousand micro entrepreneurs from underprivileged areas in Port au Prince, who have no access to bank credit to finance the development of their business activities.
Créée en 1998 et ... En savoir plus

Adresse:

88 bis Lalue Barrière Plurifarm

Port-au-Prince

Haiti

Téléphone:

+509 38 85 73 02

Email:

sebastien [dot] simonot [at] entrepreneursdumonde [dot] org

Site web:

http://www.entrepreneursdumonde.org/haiti.php

Principales sources de financement:

Grants

Loans

Savings

Produits et Services:

Loans

Voluntary Savings

Training and Consulting

Services Offerts:

Health

Education

à la recherche de :

Loans in Local Currency

Capacity-Building Grants

Donations

Guarantees

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1998

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NGO

réglementé:

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Clients living in urban areas	2
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Croissance des entreprises existantes	2
Accès accru aux services financiers	3
+ Poverty targets
+ Gouvernance
Has trained members of its board on social performance management
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ 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:	Tous les produits financiers et non financiers sont destinés aux populations les plus pauvres
+ 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.
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
+ Responsabilité sociale envers le personnel
+ Ressources humaines
+ Incitations du personnel liées à la performance sociale
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use