AS. J.D-Microfinance | MFIs in Togo

Mission:

Offrir des services financiers et non financiers adaptés aux besoins des micro-entrepreneurs (Artisans, commerçants, femmes développant des AGR) en vue de contribuer à améliorer les conditions de vie de leurs ménages

Address:

08 BP. 80896

Lomé

Togo

Phone:

00228 2225 33 46

Email:

asjdcad [at] yahoo [dot] fr

Main Funding Sources:

Grants

Loans

Savings

Products and Services:

Loans

Voluntary Savings

Funds Transfer Services

Training and Consulting

Services Provided:

Full-scale Financial Services

Business Development Services

Education

Looking for (Investment Types):

Loans in Local Currency

Capacity-Building Grants

Guarantees

Loans in EUR

% Operations Comprised by MF:

91 - 100

Date established:

Aug 2 1997

FYE:

31-Dec

Current Legal Status:

Credit Union / Cooperative

Regulated:

yes

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Clients living in urban areas	1
Women	2
+ Development goals (ranked by importance)
Poverty reduction	1
Increased access to financial services	2
Employment generation	3
Development of start-up enterprises	4
Growth of existing businesses	5
Youth opportunities	6
Children's schooling	7
Health improvement	8
Gender equality and women's empowerment	9
+ Poverty targets
+ Governance
Has trained members of its board on social performance management
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Non-financial services offered
+ 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:	Tontine, crédit- tontine
+ Social responsibility to clients
+ Client protection principles in use
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.
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.
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
+ Cost of services to clients
+ Social responsibility to staff
+ Human resources
+ Basis of staff incentives related to social performance
+ Social responsibility to the environment
+ Poverty measurement tools in use

Partnerships

Current
Name	Relationship
MEDIASOFT	Vendor
Oikocredit	Funding
UNCDF	Funding

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Social Performance Profile

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