Embed Size (px)
Citation preview
Association Echos
ATTADAMOUNE
NEWS
N° 32
Servir les Pauvres Parmi les Pauvres Association Echos
Head office 1, Rue Abi Dar Al Ghoufari, Quartier Prince Héritier.30000.Fès.
Morocco
Tél : +212 5 35 73 00 24 / Fax : +212 5 35 73 34 32
E-mail : [email protected] Web : www.amssfmc.ma
PRODUCTS AND MARKETS DIVISION
The new division objectives are: - To analyze the clients of the sector, to know their expectations, routines and complaints. For instance, by observing the clients dealing with partners.
-To design and to apply the plans for targeting new clients and to win the loyalty of the actual clients.
- To make sure that the prospective clients in the sector are sufficient, so our activities are also lasting.
The division « Products and Markets » need to
track down all the elements concerning the
applied costs and also the elements that can
impact negatively the applied pricing by our
structure.
The divisions finally look into the analysis of
the mode and conditions of business for the
optimization and strengthening of the
association identity.
de l’Association.
The division objectives are as follows:
- Business intelligence - Follow up of the evolution of the
regional market - Participation to the reflection on the
financial and non-financial offering - Participation to the reflection on
loans conditions - Participation to the reflection on the
distribution network
The division has to focalize on:
- The optimization of the processes - The reduction of the financing timeframes - The alignment of the demand and supply - The optimization of the services’ quality - The proposition of new activities for a better performance.
‘The most
important
element is the
satisfaction of
the clientele.’
This operation consists in
the consistency of the
products and services,
pricing and the adopted
processes of financing. It
is necessary to find the
right standardization
among these elements in
order to develop the
commercial activities.
ATTADAMOUNE Micro Finance adopts
an open innovation model in which it always
integrates the knowledge of its personnel
for the development of the products and
services to the clients. For this, a new
division has been created “Products and
Markets” for the purpose of analysis of the
factors leading to the adaptation of the
products to the market.
EDITORIAL
ATTADAMOUNE Micro Finance
awards its best clients during
the International Women
Day.
AMSSF celebrates its 20th
anniversary
Association Echos
GOVERNANCE
The important decisions of the board of advisors and
directors
2nd semester 2015
Micro Finance African Week ATTADAMOUNE Micro Finance, represented by Mrs Khaddouj GHARBI President Founder, by M. Essaid BENJELLOUNE TOUIMI Advisor, and by M. Zakaria JEBBOURI General Director, participated to the 2nd edition of the Micro Finance African Week "SAM", from 29th june to 03 july 2015 in Dakar, about the principal theme of the conference "Accelerating Rural Financing Accessibility in Africa through Innovation". The SAM conference is an initiative of the african regional networks of Micro Finance promoted by ADA in partnership with the Luxembourgeoise Cooperation. The Association also participated to the Innovation Exhibition with a stand shared with NAPS, for the objective of presenting the new project on electronic money.
‘Sanabel’ Network Annual Conference
Mrs Asmae DIANI, our advisor represented the Association in the ‘Sanabel’ Network Annual Conference, from the 20th to the 22nd october 2015 in CHARM SHEIKH in Egypt with the theme “The achieved developments in the inclusive finance sector; Worldwide trends and Regional Initiatives”. This year conference gathered all concerned actors and allowed them to share their experiences, to advance in order to achieve their objectives, and to analyze the worldwide trends and also the regional activities that focus on the inclusive financing.
The Sanabel 2015 conference was an opportunity to present valuable experiences and to present some participants initiatives for the objective of creation of an inclusive environment.
Association Echos
Micro Finance European Week
Mrs the President represented the association ATTADAMOUNE Micro Finance in the Micro
Finance European Week, the major annual event in the sector, that gathers banks and financial
institutions, governmental agencies, ONG, consulting companies, researchers and universities,
on intensified and high levels debates. This year edition theme was « The financial inclusion for
the sustainable development ».
This annual special event was organized by the european platform of micro finance with the
support of the luxembourgeois government.
Coaching
For the implementation of a risk management framework, the association benefited in year 2015
from a first coaching. This started by the visit of an ATTF Luxembourg coach to the association.
This visit lasted one week in which he organized various work meetings with the board of
administration and the heads of the different directions and departments. In the same way, the
responsible of the risks follow ups benefited from a risk management training from the 16th to
the 20th november 2015 in Luxembourg.
Association Echos
DEPARTEMENT OF MARKETING
COMMUNICATION &SOCIAL
PERFORMANCES
International Women Day
ATTADAMOUNE Micro Finance
(Ex AMSSF), as usual, celebrates every year,
the International Women Day, with a
rewarding prize to its best clients, and as an
aknowledgement of these women efforts to
improve their living surrounding by the
creation and development of their micro-
enterprises.
This special day aims to promote women
rights and to support their participation in
the economy and in the decisions making
process.
The year 2015 was exceptional since the Association Marocaine Solidarité Sans Frontières celebrated its «20th Anniversary, 20 years of life », a symbol of continuous development, for yesterday, today and for tomorrow.
ATTADAMOUNE Micro Finance have the
missions to serve to the best the population
needs, because the clients satisfaction is like
the association satisfaction.
Association Echos
10 th edition SIAM 2015
Within the Measures of Support to the Micro Enterprise « DAME » in favor of the micro
entrepreners beneficients of the products and services of the Micro Credit Associations (AMC),
the Centre Mohammed VI de Soutien à la Microfinance Solidaires elected three beneficiants
ATTADAMOUNE Micro Finance to participate to the 10 th edition of SIAM hold in Meknes from
the 28th April to the 03rd may 2015.
The selection of the beneficiaries was based on the following criteria :
Diversification of the activities while respecting the theme of the exhibition: rural
activities (Apiculture, agri food, …) ;
For the non agricultural activities, to favor the local products ;
To observe a parity of participation among women and men;
An adequate packaging of the products is important.
Tree micro entrepreners has showed those products, tree diverse activities:
Local Product
Dates and derivatives
Natural plants cosmetic products
Association Echos
Cooperative « Al Amal » for local products
The client « Zaoui Naima » Production and sales of dates products
Cooperative « Anamil » flavored and esthetic products and food products
Association Echos
Thematic meeting in the project SAWA
frameworkunder the theme « Self Employment »
In the « Supportive Action For Women Of The Arabic World » project framework, a thematic
meeting among partners is regularly organized, for the purpose of exchanging and capitalizing
the best practices of every country under specific themes. ATTADAMOUNE Micro Finance
discussed topics on the project Self-Employment «My Enterprise …. My Future»:
Project presentation
The project Reinforcement of the micro-enterpreneurship of the discriminated in the informal
sector, led by the Ministery of Youth and Sports (MJS) / Youth Direction, Childhood and female
affairs, has the objective of the reinforcement of the micro enterpreneurship capacities of the
discriminated youth in the informal sector.This project expects the support of 5000 young people
aged between 18 and 30 years old( minimum 40 % young girls) for the creation of their formal
activities based on a modular package of training for the pre and post creation phases, and the
personalized support of the young beneficiaries on a 24 months period. This activity aims at the
encouragement of the economic growth through the reinforcement of the basis capacities of the
men, women and youth within the flourishing sectors identified during the markets evaluation
in order to provide them an opportunity to improve their revenues and to contribute to the
success of the self employment projects of the discriminated young people in the informal sector.
Association Echos
Figured Objective / Target :
The project concerns all enterpreneurs that have a basis know-how in a specific domain activities
or in a professions (for example a technical training and or a job experience), and that has in mind
an idea to start with or to grow a business.
Project global objective : 5000 young people
Objective of the Association Master «Réseau Espace Civil de Fès et Région» : 450 young
people
Objective of ATTADAMOUNE Micro Finance : 210 young people
The covered zones are :
Oujda, Taza, Nador, Azrou, El Hajeb, Boufakrane, Agourai, Meknès
The project activities :
Identification and awareness of the discriminated young people
Preselection of the young people based on a test of the personnel performances of the
young people
Training of the young people to the marketing and technical studies, and financial analysis
of the projects
Support to the pre creation of the micro enterprise
Support post creation
Association Echos
SAWA Seminar
« SAWA seminar in favor of the actors of the
economic and social world »
-Morocco-
The principle of gender equity was established by the
Constitution of the 1st july 2011, in which the introduction
assures that « The Kingdom of Morocco is committed to fight
and to ban all discrimination toward anybody because of
gender ».
The article 19 of the Constitution stipulates that « The man and
woman benefit in equal parity of rights and freedom of civil
political economic social cultural and environmental character»
and that « The state works toward the realization of gender
equity among men and women».
The safety from discrimination and the promotion of equity gender among women and men
define one of the identified objectives by the Referentiel as being fundamental and having
priority for a new social Charter adopted by the le CESE in november 2011.
The discriminations against women tend to
reproduce and carry on the social disparity
and poverty cycle through the generations,
whereas the women equal right to access do
not constitute neither a threat of reduction
neither a constraint to the men right to
access.
Inspite the progress achieved during the previous six years, the ways of thinking, the behavorial
habits, and the feeling of impunity constitute heavy obstacles to the application and protection
of the women rights. The violation of the legal age of marriage and the jurisdictional acceptance
of minor marriages still too frequent are examples…
Association Echos
According to the Rapport Genre 2014, published by the Ministry of Economy and Finance, in
total, Morocco, indisputably, realized various notable progress in favor of gender parity, showing
clearly its willingless to give to and to reinforce the access of women to their rights.The
application of the gender analysis of the public politics, under the prism of human rights, to the
entire ministry departments, affirm the definitive engagement of the country to the service of
equality and to the reinforcement of the indebtability.
This choice is also confirmed by the actual
reform of the Organic Law on the Finance
Act, that fully gives the institutionalization
of the management, directed toward
performance under the framework of the
programmes open to a proximity
management and to a more pertinent
targeting of the public politics vis-à-vis the
differentiated needs of the population
components, giving sense and real and
substantial content to the objectives of
efficacy, transparency and equity that are in
the center of the stakes layer by our new
Constitution.
In the same sense, the
AssociationATTADAMOUNE Micro Finance
in Morocco puts in place the Project SAWA
« Supportive Action for Women of the Arabic
World », supported by the French Foreign
Ministry, in partnership with the French
Association Batik International, that has the
objectives of the reduction of the economic
disparity linked to the gender favoring the
socio-economic insertion of the woman in
urban and rural zones through the
development of an awareness and support
program of the stakeholders parties.
Following this, there is the seminar “ Socio-Economic Gender and Rights…Economic Growth
Lever » , that has the principal objective to raise awareness of the economic world actors
about gender culture and equality among woman and man, favoring the equal access to the
socio economic rights, in order to reinforce the women role in the economic life, to favor
decision making in the family sphere and to encourage women to search for more
independence.
Association Echos
Expected results
(R1) The awareness about the culture of equality of the opinion leaders, the local
authorities, and the CEOs, is raised
(R2) The prescriptors favor the access to employment to the loans to women
(R3)The proximity among women the public structures and organisms in charge of the
insertion is favoritized
(R4) The access of women to the various measures and mechanisms of business
creation is reinforced
The seminar proceeding
Among the 100 guests, the seminar welcomed 90 actors from different economic and social
fields, gathered around the following themes:
Theme 1 :« Gender and Sex equality approach »
Theme 2 :« Socio economic rights of the moroccan woman»
Pertinent interventions and talks were through round tables, bringing up the following subjects:
Until today and thanks to the efforts of ATTADAMOUNE Micro Finance, the activities of support
to the socio economic development of women are continuously put in place and take their
share of impact on the beneficiaries at the short and medium terms.
Ackowledgement, Protection and Promotion of the economic women rights : the profits
and challenges in Morocco by Madame Soad CHENTOUF, Administrative Executive, in
Charge of the promotion of Human Rights Culture in CRDH Fès/Meknès, Active Member in
the civil society
Legal settings for the fight against violence and discrimination toward women : Analytical
readings by M. Ahmed MOUFID, Professor, Law Faculty, Fès
Gender equality in every day life by Mme Zhour HOUTI, Professor, Faculty of Sais,
Fès
Gender, Training and Jobs by Monsieur Mohammed BOUKHATEME, Director of CFP
Building Fès
Association Echos
ATTADAMOUNE Micro Finance
participates to the event
Med Lab Entrepreneur
Under the high patronage of his Majesty the King Mohammed VI, and with the support of
various state institutions, private and social media,
the Foundation Young Entrepreneur (FJE)
organized the Forum Med Lab Entrepreneurship,
mobilized the actors for the young participants,
deepened the created collaborations, and the axes
of concrete and massive business creation by the
young people. Med Lab Entrepreneurship is a
business creation process based on the match of
the demand of the project holder with the offers
of the supporting organisms.
Organized in Morocco, Med Lab Entrepreneurship hold between the 16th and 17th november 2015 in Rabat, during the Global Entrepreneurship Week, getting recorded in the worldwide movement for entrepreneurship and benefiting by this of an international visibility. Over a space of de 2,8 Hectare, almost 500 people,
in which young projects holders, young enterprenerus, Success stories, Administrations, Public
organizations, development agencies, Enterpreneurship promotion agencies, banking
institutions, Business angels, Supporting Organisms, SAE, Fund raisers, Universities,
Researchers....
ATTADAMOUNE Micro Finance participated to the Forum Med Lab Entrepreneur 2015,
represented by an institutional stand for informing the young people and visitors about the
Association, its products and services. This was an opportunity to meet different parties involved
in the sector of finance: Associations of Micro Credit, Fund raisers, Banks, Economic actors and
organisms of financial and non-financial support … etc.
These meetings were in various forms of communications channels: Plennary sessions,
Workshops for the young people, Speed Networking, Welcoming the young enterpreneurs in the
stands.
Association Echos
Micro Entrepreneurs National Prize
Oujda 2015
In order to permit to the micro- entrepreneurs to develop their capacities for a better
commercialization of their products ; The Centre Mohammed VI de Soutien à la Micro Finance
solidaire organized the national prize of micro-entrepreneurs meeting in Oujda from the 15thto
the 19th december 2015.
ATTADAMOUNE Micro Finance, had the opportunity to participate to this annual conference
by presenting enthusiastic and active six clients and six stands.
This event had the objective the promotion and selling of the products of our micro-
entrepreneurs that represented various parts of Morocco and that at the same time represented
diversified products and of quality.
This meeting was closed with the provision of trainings on the financial education and by the
distribution of certificate of participation and attendance of the clients.
Some pictures of our kind clients
Association Echos
Association Echos
Association Echos
Association Echos
NEW OPENING ENTITIES DIVISION
A new division was born for the « New Openings Entities », composed of the following people:
M. Karroum Mohammed : Network Director
M. Asrid Yasser : Information Systems and Organisation Director
M. Znad Aziz : Administrative et Finance Director
M. Echchakir Abdellah : Human Ressources Responsible
Mme. Serrhini Kenza : Responsible of the Department of Marketing Communication and Social Performance
The objective of this division is to look after the good brand image of the Association , ensuring the compliance of the entities to a unique model of arrangement, thus to follow up on the new openings or change of entity, in collaboration with the field teams while respecting the deadlines outlined by the hierarchy.
TRAINING ACTIVITIES
Project/Event Theme Number of beneficiaries
Project SAWA Training of the trainers on the socio economic rights of women
9 People
Awareness on the socio economic rights of women 402 Women
Training of the trainers on the micro enterprise management
7 Personnes
Training on the micro enterprise management 215 Women
Technical professional training 90 Women
Reinforcement project of micro
enterpreneurship in favor of
discriminated young people in
the informal sector
Training of the trainers in favor of the team of Oujda and its region ‘Boot-camp’
9 Women
Training of the trainers in favor of the team of Meknes and its region
13 Women
Boot-Camp Oujda and Nador 103 Young people
Boot-Camp Meknès and Region 353 Young people
Boot-Camp Taza 150 Young people
Training of the trainers in favor of the team Oujda and its region ‘Training pre creation’
9 people
Training of the trainers in favor of the team Meknes and its region ‘Training pre creation’
13 People
Training pre creation for the young people 201 Young people
Financial Education
initiated by SILATECH and AL
Barid-Bank
Training on financial learning for the young people in rural sector
415 Young people
International Women Day
Training on financial learning 200 Women
Association Echos
HUMAN RESSOURCES
The New Reorganisations and Changes
1st semester 2015
L’Association ATTADAMOUNE Micro Finance knew during the first semester significant changes:
Organizational Changes
Promotions
Allocations
Engineering of Trainings
The organizational changes 2015 :
The creation of a new department of recovery ;
The creation of a new department of control and investigation;
The creation of a service of follow up and risk management;
Le détachement de l’entité Engagement et Production de la Direction d’Exploitation ;
The split of the marketing entity from the operations direction;
The reinforcement of the department of management control;
Association Echos
The promotions following the reorganizations 2015
First and Last
Name
Previous Position New Position
Kenza SERRHINI In charge of the
marketing
Communication and
Partnerships
Responsible of the department Marketing
communication and social performances
Karim RAZOUKA Management
controller
Responsible of the department Management
Controller and Reporting
Ismail BOUDZA Controller Chief of the recovery service
Ismail NADIR Controller Responsible of the department Investigation and
Permanent Control
Adam
BOUKHATEME
Manager Engagement
et Production
Responsible Credit Department
The new titles following the new reorganization
Nom/Prénom Previous title New title
El Houcine KDIRI Network Director Credit Responsible
Amal HAJJOUJI In charge of projects follow
ups
In charge of the non financial
projects and products
Jawad REBBOUJ In charge of risk follow ups In charge of follow up in risk
management
Abdelghani SBAI Responsible Law and claims Responsible of Law, Claims and
Comformity
Association Echos
The new positions Les nouveaux postes et affectations suite à la nouvelle réorganisation
Nom/Prénom Ancien Poste Nouvel poste
Taoufik MESBAHI Internal Controller
Permanent Controller Mohamed LYOUSFI Internal Controller
Abdelilah GARA Development Agent
Boukhari ZEHOUANI Development Agent
Noureddine BOURADA Development Agent
Mohamed ZERIAHI Development Agent
In charge of recovery
Driss GHAZOUANI Development Agent
Akram AAOUINAT Development Agent
Rachid REBBOUH Development Agent
Hamid AHABCHANE Development Agent
Soumia AMIRECH
Responsible exploitation and
SIG role
Responsible Reporting
Hanane El Fadil Exploitation Technician
In charge of reporting Kaoutar OUABID Exploitation Technician
The New Directions and Departments 2015
The Network Direction
Following the split of the marketing entity from the exploitation direction, the new network
Direction is composed of two hubs:
Hub of Commercial activities
Hub Recovery
The creation of the recovery service has the objective of the management of the problems linked
to the late portfolios. Its primary objective consists in the monitoring the list of late payments,
and to organize actions of recovery through amicable agreements.
Networks Director
2 Networks Chiefs
17 MER
AD
1 Chief Recovery Service
6 in Charge of Recovery
Association Echos
The Department of Investigation and Permanent Control:
The control service has the objective to:
Take care of the good execution of the controls of the 1st level and to the respect of the
obligations of each one at the level of the entire network of the association;
Control the regularity and reliability of the realized operations on the fields ;
Realize investigation missions in case of frauds in order to precise the responsibilities et
to evaluate the cost of incident.
Department of Marketing Communication and Social performance
Following the presentation of the new mission of follow up of social performance; The new
department has the mission to:
Marketing studies and business intelligence;
Communication and development of partnerships projects, especially in the sector of
social performance;
Management of the clients relationships …
Responsible of Investigation and Permanent Control
5 Permanent Controller
Responsible Marketing Communication and Social Performance
In charge of the non-financial projects and products
Association Echos
Department of Control Management and Reporting:
The new department has the mission to:
To assist the managers of the Association in the formulation of the most concrete objectives;
To develop the scorecards to manage efficiently the association activities following the
development of the production, the viability of the entities, the portfolio risks by every agent of
development and the analysis of the budget deficits gaps.
Credit Departement
The Credit Department has been split from the Exploitation Direction.
At the moment, the Department has the objectives of: the validation of funds demands, to realize
the control of the 1st level before the unblocking of funds, to control and to follow up the risks
of operations of reimbursement and cashing of funds, to control the evolution of risks at the
production activities…..
Change Support / Training Engineering
In order to support the organizational changes of year 2015 ; The training engineering took into
consideration these changes and put in place training actions in order to reinforce the
competences of the new promotions and the positions’ changes.
Responsible Management Control and Reporting
Responsible Reporting
2 in Charge of Reporting
Credit Responsible
In charge of the commitment
In charge of the Production
Association Echos
The supporting Actions to the changes are as follows:
Management control
The fundamentals of the Active / Passive shares
Internal technical control
Building and Management of the projects
Techniques of market analysis and study
Animation of commercial teams
Operationnal risks in MC
Techniques of MC recovery with agreements
Maitrise et mise à jour du code de commerce et contentieux Control and update of the
codes of business and claims
The other actions of Training
Strategies and Techniques of Financial Negotiation
Techniques of market research in MC
Techniques for creating customer loyality in MC
Control of the processes and proceedings of assembly and functioning of the
cooperatives
Techniques of follow up of the TPE and AGR
Perfection of the processes of appreciation of the
competences and follow up of the careers
Techniques of animation and training
Control of the work legislation
Configuration of the network infrastructure and
Active Directory
Application of a management system of the
continuity of the activities (SMCA)
Control of the management system of customer
relationship
Association Echos
The New reorganizations and Changes
2nd semester 2015
The Network Direction
The reorganization of the Exploitation Direction involved the creation of two new departments :
Department Credit et Department Marketing, Communication and Social Performances and a
Recovery service as well ; However the Exploitation Direction has a new title that is the Network
Direction.
Audit and Risks Direction
The reorganization of the Audit and Risks Direction gave birth to the Department of Inspection
and Permanent Control and to a service for Management and Risks Follow up ; However the
service for Management and Risks Follow up is linked directly to the senior management. The
two new entities are directly linked to the senior management.
Network Direction
2 Network Chiefs
17 MER
AD
1 Recovery Service Chief
6 In Charge of Recovery
Audit and Risks Director
1 Junior Internal Auditor
Association Echos
New Opportunities Creation
The Promotions
Position Change
Previous Position New Position
In Charge of Marketing Communication
and Partnerships
Responsible of the Department of Marketing and
communication and social performance
Management Controller
Responsible of the Department of Management
Control and Reporting
Controller
Responsible Department Investigation and
Permanent Control
Controller Chief recovery service
Engagement and Production Manager Responsible Credit Department
Development Agent Manager Regional Entities Nador
Development Agent Manager Regional Entities Nord
Previous title New title
Exploitation Director Network Director
In Charge of Projects follow up In Charge of non financial projects and products
In charge of risks follow up In charge of the management and risks follow up
Responsible of law and claims Responsible of Law, Claims and Conformity
Association Echos
New Positions Titles
The External Hiring
Following the allocation of the exploitation Director to his new mission of Credits Responsible;
We hired a new Networks Director
M. Mohammed KARROUM
Previous Position New Position
3 Development Agents 3 Permanent Controllers
5 Development Agents 5 In charge of Recovery
1 Responsibleexploitation service and SIG
professions.
1 ResponsibleReporting
2 Exploitation Technician 2 In charge of reporting
1 Development Agents In charge of Production
1 Development Agents In charge of registry office
1 Development Agents Development Agents TPE
Association Echos
The Achievements
Training Engineering
In order to support the organizational changes of year 2015 ; A training engineering is realized by
an external consultant ; actions of training are developped in order to reinforce the competence of
the partners and to do well and succeed in launching the works of 2015 :
Generalization of new management systems for the customer relationship and training of
the entire users.
Support to the managers for an optimal risks management.
Reinforcement of the Networks personnel capacities in terms of prospection; Loyalty of the
clients and recovery Techniques
Association Echos
Motivation and Performances
In order to award the best performances of the network; changes were introduced for recognize
further the best performances and the nomination of the best performances of every month.
M. Abderassoul Bouaazza
Mme. Samira AGHARBI
M. Hicham BOUTARTA
M. Laarbi LAHJOUJI
M. Moustafa BOUMTIRED
Mlle. Loubna MARBOUH
M. Abderahim NAVIL
Mme. Fatiha LAGZIZE
Mme. Kahdija SADNI
AUDIT&RISK
Risk Management
At the end of year 2014, the Audit and Risks Direction launched work activities for the update of
its cartography. This update took into consideration the results of the interviews BOTTOM UP,
the follow up results, data from the incidents declarations database, and the different anomalies
listed within the missions of Audit, Control and Investigation.
This important activity of update of the cartography, allows the Association to have a constant
watch over its risks and incidents management measures and to maintain an efficient steering
of its risks.
The activities environment of ATTADAMOUNE Micro Finance is an evolving environment
but uncertain. An efficient management of the risks and the command of the risks
appetence is necessary. Since January 2015, the Audit and Risks Committee statuated and
validated the risks referential.
Thanks to an efficient risks management and the collaboration of the different Directions,
the Audit and Risks Direction marked a decrease of 30% of the primary risks.
Association Echos
Rating
From the 02 to 06 april, ATTADAMOUNE Micro Finance are ceived in its offices for the third
time, a team of Microfinanza for a mission of grading. Microfinanza is an international agency
of rating, specialized in the evaluation of the microfinance institutions.
The fields of analysis of Microfinanza are: The external context, the Governance and stratgey, the
Organization and the operations, the protection of the customers, the Quality and actif structure,
the Structure and financial management and the operational and financial results.
The Rating committee of Micro Finanza allocated ATTADAMOUNE Micro Finance, the
Institutional Rating grade of Microfinance valid until February 2016 : BB- which the definition is
the capacity of adequate risk management. However, this capacity can slightly be affected by:
The worsening of the economic conditions or the fundamental adequate operations.
Adequate clients protection systems.
Audit &Contrôl
The Audit and Risks Direction orgnized at the begining of the year its internal meeting for the
launch of the missions.In fact, at the begining of each year, the Audit and Risks Direction gathers
its team in order to discuss together about the Audit planning validated by the Audit and Risks
Committee. This meeting is firstly the occasion to recall in a holy manner the role of audit and
control for the Association, then to define together the value added elements and to fix
objectives.
Association Echos
With the continuous framework of its services, ATTADAMOUNE Micro Finance chooses the NAPS
project that is in a large program of destination of electronic payment and financial inclusion in
Morocco, supporting its self by new technologies and multi channels for the widening of the
acceptance and acceptability of the different means of electronic payment.
The objectives of the project are to put in place a solution for:
The dematerialization of the process of provision of funds to the clients of the
Association.
The dematerialization of the process of recovery of the credits.
The project lies on an engaged synergie, from one side, by the positionning of the
ATTADAMOUNE Micro Finance as an association of Microfinance confronted to concerns of
security and optimization of its cash flow, and from another hand, by the positionning of NAPS
as an expert of payment of multi channels proposing solutions of payment and of
dematerialization of cash.
The needs of ATTADAMOUNE Micro Finance within the framework of the project NAPS are:
To minimize the delays in funds provision,
To securitize the process of provision and reimbursement of the credits,
To facilitate the withdrawal of credit at the different ATM,
Sécuriser le flux des transactions entre l’Association et sa clientèle,
Mettre à la disposition de la clientèle de l’Association des outils de gestion de leurs
fonds.
Projet NAPS
Association Echos
Through its solution, NAPS is committed to:
To provide ATTADAMOUNE Micro Finance of the prepaid cars ordered by the clients
micro credits funds management
To securitize the transaction flows among the Association and its clients
To interface the flow of information generated during the releases and reimbursements
by cards on the SI-RMS
The solution NAPS will also allow:
The sending of SMS alerts specially concerning the charged amounts and the
reminders about the due date of the bill in j-3,
The sending of electronic statements quarterly to the clients ATTADAMOUNE Micro
Finance
The recharging of the cards thanks to a network of local services NAPS, thatwill build
progressively during the deployment of the first set of 5000 cards.
DIRECTION OF ORGANIZATION AND
INFORMATION SYSTEMS
In a growing sector of Micro credit, in which each association asserts and enforce,
ATTADAMOUNE Micro Finance was among the firsts to reinforce its proximity and its sense of
listening to the clients.
This positioning relies among other things on the reinforcement of the management of customer
relationships, through the implementation of a management system of the CRM relations that
would allow the commercial strengths of the fields to reinforce their penetration in the
geographic sector, to comprehend with more pertinence the needs and the expectations from
the prospects and the clients and to reinforce the values of the services brought by
ATTADAMOUNE Micro Finance to its clients. The launch of the phase of steering of deployment
of this system, realized at the begining of 2015, then its evaluation, allowed the introduction of
Association Echos
training sessions to the benefit of the personnel of the network direction: Our agents of
development, managers of regional and network chiefs, and also the other participants in the
CRM of the other directions and departments of the association.
This training for the entire personnel of the networks direction and head office, was ensured by
the Direction of Organization and Information Systems in the framework of the engineering plan
2015, in collaboration with the department of human ressources, according to the following plan:
Region Entities Date de training
Group 1 Group 2
Fès Aouinat el Hajjaj, Ben debbab, Ben souda, Fesjdid, Jnanate, SahrigGnawa,
04, 05 and 06 August 2015
01, 02 et 03 September 2015
Beni Mellal-Khénifra
Beni mellal, Beni mellalRamz, Khenifra, KhenifraAmalou, Kabsat Tadla, M’Rirt, Aguelmousse
07, 08 and 09 September 2015
10, 11 and 12 September 2015
L’Oriental Taza, Guercif, Missour, Outat el Haj, Nador, Nador Taouima, Oujda Zitoune, Oujda Jawhara,
06, 07 and 08 October 2015
20, 21 and 22 October 2015
Meknès Tafilalet
Agourai, Ain Leuh, Ain Taoujdate, Azrou, Boufkrane, Boumia, El Hajeb, Mechouar, Midelt, Rachidia, Timhdite, Wislane,
10, 11 and 12 November 2015
24, 25 and 26 November 2015
Rabat-Salé-Kénitra Et Tanger-Tétouan-Al Hoceima
Rabat G5, Rabat Takadoum, Salé Karya, Salé Inbiaat, Temara Hay Nahda, Kenitra Khabazate, Bab Taza, Ouazzane, Laouamra
01, 02 and 03 Décember 2015
08, 09 and 10 Décember 2015
Association Echos
Association Echos
Association Echos
A work project is under development by the Direction of organization and information systems begining from the 4th quarter and during this 1st quarter of 2016, for the generalization of the management system of customer relationship at the level of all the local entities, and this is by the realization of works projects and actions supporting the CRM generalization.
ADMINISTRATIVE AND FINANCIAL
DIRECTION
Signature of the convention of refinancing with Triple Jump for an amount of 7,5 Millions
of Dirhams.
Signature of the financing contract with the Fund Jaida 5 Millions Dirhams.
Release of the first part of the loan with BEI, that is 5 300 000,00dhs/ total loan of
22 000 000,00Dhs.
Creation of the registry office.
Allocation to 50% of our entities with the logo and sign of ATTADAMOUNE Micro Finance.
Generalization of the provision by MAD all over the network with BMCE, GCAM and the
Banque Populaire
Setting up the interface between the SI-RMS and theaccounting softwaresage 1000.
Creation of the management committee Actif-Passif.
