AS. J.D-Microfinance | MFIs in Togo

Objectifs:

Offrir des services financiers et non financiers adaptés aux besoins des micro-entrepreneurs (Artisans, commerçants, femmes développant des AGR) en vue de contribuer à améliorer les conditions de vie de leurs ménages

Adresse:

08 BP. 80896

Lomé

Togo

Téléphone:

00228 2225 33 46

Email:

asjdcad [at] yahoo [dot] fr

Principales sources de financement:

Grants

Loans

Savings

Produits et Services:

Loans

Voluntary Savings

Funds Transfer Services

Training and Consulting

Services Offerts:

Full-scale Financial Services

Business Development Services

Education

à la recherche de :

Loans in Local Currency

Capacity-Building Grants

Guarantees

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Août 2 1997

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 urban areas	1
Femmes	2
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Génération d'emploi	3
Développement d'entreprises "start-up"	4
Croissance des entreprises existantes	5
Opportunités pour les jeunes	6
Scolarisation des enfants	7
Amélioration de la santé	8
Egalité des sexes et autonomisation des femmes	9
+ 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:	Tontine, crédit- tontine
+ 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).
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.
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

Partenariats

Current
Nom	Relation
MEDIASOFT	Vendor
Oikocredit	Funding
UNCDF	Funding

MFI Report

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Profil de Performance Sociale

Partenariats

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