Microloan Organization 'HUMO and Partners'

Encours Brut de Prêts USD, 2011: 9.9 million

Nombre d'emprunteurs actifs 2011: 14,646

Solde moyen de prêt par emprunteur USD, 2011: 677.5

Epargne USD, 2011: 0.0

Actif USD, 2011: 11.2 million

Nombre d'épargnants 2011: 0

Objectifs:

The Mission of HUMO is to assist the development of microfinance industry of the country by rendering accessible, accredited lending services to micro and small businesses in Tajikistan contributing to the overall development of the country’s economy.

Contexte et principaux défis:

Devaluation of TJS; decreasing of portfolio size and number of active clients due to crisis; decreasing the remittances flows; the burden of loan indexation on clients; bad weather and floods that had bad impact on our clients agriculture farms and destroyed the plots.

Adresse:

#18 Tolstoy str

Dushanbe

TJK

734025

Tajikistan

Téléphone:

(992 372)24 26 68

Fax:

(992 372)24 57 97

Email:

office [at] humo [dot] tj

Site web:

www.humo.tj

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Training and Consulting

Produits:

Livestock Loans
Service/production Loans
Business Loans (trading)
Agriculture Loans
Consumer Loans

à la recherche de :

Equity

Loans in Local Currency

Loans in USD

Donations

Capacity Building Grants

% des opérations représentant la MF:

91 - 100

Date de création:

Déc 24 2004

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)
Clients living in rural areas	1
SMEs in Rural Areas	2
Femmes	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Développement d'entreprises "start-up"	2
Egalité des sexes et autonomisation des femmes	3
Croissance des entreprises existantes	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
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Services de développement de l'activité
+ 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:
+ 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
Méthode du taux constant
+ 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