Kazmicrofinance, LLC (formerly KLF)

Encours Brut de Prêts USD, 2011: 52.5 million

Nombre d'emprunteurs actifs 2011: 45,992

Solde moyen de prêt par emprunteur USD, 2011: 1,142.4

Epargne USD, 2011: 0.0

Actif USD, 2011: 61.4 million

Nombre d'épargnants 2011: 0

Objectifs:

We assist welfare growth of our customers by providing access to quality microfinance services.

Objectives:
- Provide access to microfinance services all over Kazakhstan, including rural regions;
- Develop culture of microfinance services;
- Make a benefit for ... En savoir plus

Contexte et principaux défis:

KMF's main goal is to support small business development through credit and training to micro businesses by establishing a new level of banking operations for them.

Adresse:

30 Kaladyakov Str.

Almaty

050010

Kazakhstan

Téléphone:

(727) 250-6877

Fax:

(727) 250-6876

Email:

info [at] kmf [dot] kz

Site web:

www.kmf.kz

Principales sources de financement:

Grants

Loans

Shareholder Capital

Produits et Services:

Loans

Training and Consulting

Produits:

KLF offers two lending programs: Group and Individual lending including 5 loan products. The products are divided according to the source of income.

KMF loan products :

1. Group product "DOSTAR" is aimed at micro-entrepreneurs, small business, consimer needs and agro ... En savoir plus

Services Offerts:

Business Development Services

à la recherche de :

Loans in Local Currency

Capacity-Building Grants

Donations

% des opérations représentant la MF:

91 - 100

Date de création:

Sep 7 1997

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NBFI

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Clients living in rural areas	2
Adolescents and youth (below 18)	3
Clients living in urban areas	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Egalité des sexes et autonomisation des femmes	1
Croissance des entreprises existantes	1
Génération d'emploi	2
Développement d'entreprises "start-up"	3
Réduction de la pauvreté	3
Improvement of adult education	4
+ Poverty targets
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management
+ 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 aux PME
Prêts agricoles
Prêts d'éducation
Loans for rural entrepreneurs
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
+ 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:	продукт "Дос" сумма до 1000 долларов
+ 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
Inclusion des femmes
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution identifies enterprises with environmental risk

+ Poverty measurement tools in use
Indice de pauvreté spécifique à l'institution

Partenariats

Current
Nom	Relation
ACDI/VOCA	Network Affiliation
Dignity Fund, L.P.	Funding
Hivos-Triodos Fund	Funding
M-CRIL	Rating
MFC	Network Affiliation
MicroVest I	Funding
Rural Impulse Fund II	Funding
Triodos-Doen Foundation	Funding