Mutuelle de Services Financiers pour la Prosperité

Objectifs:

La mission de la MSFP est de contribuer durablement à la promotion économique et sociale des Micros et Petits Entrepreneurs (MPE) pauvres principalement les femmes et les jeunes en leur offrant des services financiers de proximité, appropiés et de qualité; contribuer au developpement des zones ... En savoir plus

Adresse:

Jericho BP 3404

Cotonou

Benin

Téléphone:

+229 64 118 088

Email:

mutuellemsfp [at] yahoo [dot] fr

Principales sources de financement:

Loans

Savings

Produits et Services:

Loans

Voluntary Savings

Insurance

Training and Consulting

Services Offerts:

Health

Education

Other

à la recherche de :

Equity

Loans in Local Currency

Loans in USD

Capacity-Building Grants

Donations

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 12 2004

Statut légal actuel:

Credit Union / Cooperative

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in rural areas	1
Femmes	1
Clients living in urban areas	2
Adolescents and youth (below 18)	3
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Scolarisation des enfants	1
Egalité des sexes et autonomisation des femmes	2
Croissance des entreprises existantes	2
Développement d'entreprises "start-up"	2
Génération d'emploi	3
Amélioration de la santé	3
Opportunités pour les jeunes	3
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management
Dispose d'un comité officiel au sein du conseil qui surveille la performance sociale
+ 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 d'éducation
Prêts au logement
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
Comptes d'épargne à but spécifique
+ Compulsory insurance products required
Assurance vie et assurance perte emploie
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
+ Education services offered
Education financière de base
Child and youth education
+ Health services offered
+ Women's empowerment services offered
Formation au leadership pour les femmes
Services de conseils juridiques pour femmes victimes de violence
+ 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.
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
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
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution identifies enterprises with environmental risk
La MSFP accorde des financements pour les projets de recyclage d'ordure et autres projets liées à l'assainissement de l’environnement
+ Poverty measurement tools in use
Per capita household income
Means test

Partenariats

Current
Nom	Relation
ALAFIA	Network Affiliation
Ecobank - BEN	Funding
FNM	Funding

MFI Report