+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in rural areas
1
Femmes
2
Clients living in urban areas
3
Adolescents and youth (below 18)
4
+ Development goals (ranked by importance)
Accès accru aux services financiers
1
Génération d'emploi
2
Egalité des sexes et autonomisation des femmes
3
Croissance des entreprises existantes
4
Scolarisation des enfants
5
Réduction de la pauvreté
6
Amélioration de la santé
7
+ Poverty targets
Pas d'objectif précis en termes de pauvreté
+ 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 aux PME
Prêts agricoles
Prêts d'éducation
Vehicle Loans, Solar Loans, School Fee Loans.
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
+ Compulsory insurance products required
Vehicle Insurance when loans for vehicles are given.
+ Voluntary insurance products offered
+ Other financial products and services offered
Services bancaires mobiles
We are introducing Mobile Money that will have remittances too.
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Education financière de base
Formation à la sécurité et à la santé au travail
Need to maintain financial records.
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
Micro Loans, Salary Loans, Micro Savings, Solar Pwer Loans, School fee loans. Mobile Money will terget the poor and unbanked.
+ 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
+ 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)
Wistel Blower Policy.
+ Incitations du personnel liées à la performance sociale
Qualité du portefeuille
Lending Tragets and Teller efficiancy. Under MMT the second item above will be included.
+ Responsabilité sociale envers l'environnement
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use