MDO Matin

Gross Loan Portfolio USD, 2010: 2.8 million

Number of active borrowers 2010: 1,017

Average loan balance per borrower USD, 2010: 2,713.4

Deposits USD, 2010: 2.4 million

Assets USD, 2010: 3.3 million

Number of depositors 2010: 142

Mission:

Развитие экономики региона и особая социальная роль в обществе

Background and Main Challenges:

ООО МДО «МАТИН», была основана в июле 2009 года. На основании лицензий Национального банка Таджикистана Организация предоставляет широкий спектр микрофинансовых и банковских услуг, таких как: кредитование и привлечение вкладов, расчетно-кассовое обслуживание, переводные операции, мгновенные ... Read more

Address:

K.Khujandi,157

Khujand

735700

Tajikistan

Phone:

+992342261261

Email:

matin [at] matin [dot] tj

Website:

www.matin.tj

Main Funding Sources:

Средства учредителей

Займы

Сбережения

Products and Services:

Займы

Добровольные сбережения

Денежные переводы

Финансовые услуги

Тренинги и консалтинг

Services Provided:

Финансирование МФО (второй уровень)

Комплекс финансовых услуг

Развитие бизнеса

Образование

Прочее

Looking for (Investment Types):

Инвестиции в капитал

Займы в национальной валюте

Займы в долларах США

Гранты на развитие

% Operations Comprised by MF:

91 - 100

Date established:

Aug 28 2009

FYE:

31-Dec

Current Legal Status:

NBFI

Regulated:

yes

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Clients living in urban areas	1
Clients living in rural areas	2
Women	3
	4
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Increased access to financial services	1
Employment generation	2
Development of start-up enterprises	3
Growth of existing businesses	4
Youth opportunities	5
Housing	6
Children's schooling	7
Improvement of adult education	8
Water and sanitation	9
Poverty reduction	10
Health improvement	11
Gender equality and women's empowerment	12
+ Poverty targets
No specific poverty target
+ Governance
Has trained members of its board on social performance management
Has a formal board committee that monitors social performance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
Microcredit for household needs/consumption
SME loans
Loans for agriculture
Loans for education
Housing loans
+ Savings products offered
Checking accounts
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Fixed term deposits
Special purpose savings accounts

+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Debit/credit card
Remittances services
Кассовые и расчетные операции
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
+ Education services offered
Financial literacy education
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Микрокредит "Дастрас" (доступный)
+ 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.
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.
+ Cost of services to clients
Declining balance interest method
+ Social responsibility to staff
+ Human resources
Transparency on salary (a clear salary scale based upon market salaries)
Benefits (medical insurance, pension contribution)
Protection at work (safety, anti-harassment)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
Выплаты бонусов
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Outreach to remote/rural communities
Outreach to women
Quality of interaction with clients based on client feedback mechanisms
Client retention/drop-out rate
Portfolio quality
+ Social responsibility to the environment
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use

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