Opportunity Microfinance Romania

Encours Brut de Prêts USD, 2011: 14.0 million

Nombre d'emprunteurs actifs 2011: 2,018

Solde moyen de prêt par emprunteur USD, 2011: 6,952.1

Epargne USD, 2011: 0.0

Actif USD, 2011: 14.0 million

Nombre d'épargnants 2011: 0

Objectifs:

To provide opportunities for people in financially disadvantaged situations to transform their lives.
Our Vision is to be the leading social purpose financial institutions in Romania.

Contexte et principaux défis:

Opportunity Microcredit Romania is a non bank financial organization in the microfinance sector in Romania. OMRO is part of Opportunity International Network (OI, an international microfiance institution, who's sole purpose is to serve economically challend families with microfinance). OMRO has ... En savoir plus

Adresse:

B-dul 1 Decembrie 1918, Nr. 183

Targu-Mures, Jud.Mures

540528

Romania

Téléphone:

(40 265) 263 644

Fax:

(40 265) 263 640

Email:

office [at] opportunity [dot] ro

Site web:

www.opportunity.ro

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Training and Consulting

à la recherche de :

Equity

Loans in Local Currency

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Déc 1 2000

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 urban areas	1
Clients living in rural areas	2
+ Development goals (ranked by importance)
Croissance des entreprises existantes	1
Génération d'emploi	2
Réduction de la pauvreté	3
Accès accru aux services financiers	4
+ Poverty targets
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
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
+ 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
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Transparency on salary (a clear salary scale based upon market salaries)
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
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
EFSE	Funding
MFC	Network Affiliation
Microfinanza Rating	Rating
Oikocredit	Funding
Opportunity International	Network Affiliation

MFI Report