Réseau de Micro-institutions de Croissance de Revenus

Objectifs:

Que chaque pauvre entrepreneur, principalement les femmes, maitrise les principes de base de la gestion moderne et l'applique avec succès dans sa micro entreprise pour la rendre pérenne. .

To provide loans and management training for poor people (particulary women) to increase ... En savoir plus

Contexte et principaux défis:

RMCR a été créée par trois ONG: World Vision Mali, BADS, AMAFEP. Il est reconnu par l'état Malien a travers la Convention signée avec le Ministère des Finances. Les défis de l'institution sont:
- Achat et mise en place d'un SIG,
- Disposer de fonds de credit

Adresse:

Rue 270 porte 236 Route de l’Aéroport

Bamako

Mali

Téléphone:

+ 223 2020-9118

Email:

jean_tchiapi [at] wvi [dot] org

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 2000

Date de fin d'exercice:

30-Sep

Statut légal actuel:

NGO

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
+ Development goals (ranked by importance)
+ Poverty targets
+ 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
Prêts agricoles
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
+ 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
Formation au leadership pour les femmes
+ 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
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
Qualité de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Qualité des données sociales collectées
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
Terrafina Microfinance	Funding
Vision Fund	Network Affiliation
World Vision	Network Affiliation

MFI Report