KAMURJ UCO LLC

Objectifs:

To provide accessible long-term financial and non-financial services to low-income families to improve their well-being.

Contexte et principaux défis:

KAMURJ is the result of merging Save the Children/US and CRS microfinance programs in Armenia. The main challenges are: market competition, diversification of products/services, expanding to rural markets and rising additional funds to support its growth towards financial sustainability. Note: ... En savoir plus

Adresse:

11 Kalents Str.

Yerevan

375033

Armenia

Téléphone:

(+374-10) 278-624

Fax:

374 10 274 310

Email:

vgagik [at] arminco [dot] com

Site web:

www.mdf-kamurj.am

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Training and Consulting

Produits:

KAMURJ offers loans, savings and limited business development services for family businesses, with priority of promoting women's entrepreneurship.

Services Offerts:

Business Development Services

à la recherche de :

Loans in Local Currency

Donations

Capacity Building Grants

Equity investments

Loans in US$

% 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 rural areas	2
Clients living in urban areas	3
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Croissance des entreprises existantes	3
Habitat	4
Génération d'emploi	5
+ Poverty targets
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
Microcredit for household needs/consumption
Prêts agricoles
Prêts d'éducation
Prêts au logement
+ 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
Education financière de base
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	House-improvement micro-loans, consumer loans, micro-entrepreneurship loans.
+ 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.
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.)
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
Client retention/drop-out rate
Qualité du portefeuille
Income from loans
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
CRS	Network Affiliation
Dignity Fund, L.P.	Funding
Incofin - Rural Impulse Fund	Funding
MFC	Network Affiliation
MFN	Network Affiliation
MicroCredit Enterprises	Funding
Planet Rating	Rating
Save the Children	Network Affiliation
The Rating Fund	Partner

Organisations liées

Current
Nom	Relation
Smart Campaign	Endorsement

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