UNRWA Microfinance and Microenterprise Department

Encours Brut de Prêts USD, 2011: 14.7 million

Nombre d'emprunteurs actifs 2011: 13,222

Solde moyen de prêt par emprunteur USD, 2011: 1,115.0

Epargne USD, 2011: 0.0

Actif USD, 2011: 19.6 million

Nombre d'épargnants 2011: 0

Objectifs:

Its early mission was to create employment through capital investment loans in existing and start-up enterprises.

Contexte et principaux défis:

The Microfinance and Microenterprise Programme (MMP) endeavours to improve the quality of life of small business owners and microentrepreneurs, sustain jobs, decrease unemployment, reduce poverty, empower women and provide income-generating opportunities to Palestine refugees, and other ... En savoir plus

Adresse:

Ammunition Hill Zalman Sharagi Street PO BOX 19149 Sheikh Jarrah

JERUSALEM

Palestine

Téléphone:

+972 2 589 220/1

Fax:

+972 2 589 0737

Email:

a [dot] pollock [at] unrwa [dot] org

Principales sources de financement:

Grants

Produits et Services:

Loans

à la recherche de :

Donations

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1991

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Other

réglementé:

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
Femmes	2
Palestinean refugees, youth (18-30 years old), poor and low income clients	3
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Scolarisation des enfants	1
Egalité des sexes et autonomisation des femmes	1
Habitat	1
Accès accru aux services financiers	1
Opportunités pour les jeunes	1
Croissance des entreprises existantes	1
Réduction de la pauvreté	2
Génération d'emploi	2
Amélioration de la santé	2
Improvement of adult education	3
Développement d'entreprises "start-up"	4
Financial inclusion for Palestinean refugees	5
Eau et normes sanitaires	6
+ Poverty targets
Clients très pauvres
Clients pauvres
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
Prêts d'éducation
Prêts au logement
Products designed for women such as WHC (women's household credit and solidarity group lending)
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
+ 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 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)
Diversity, neutrality and ethical behaviour
+ 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
Qualité des données sociales collectées
Client retention/drop-out rate
Qualité du portefeuille
Productivity and portfolio-at-risk
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution identifies enterprises with environmental risk
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)