| Country : BENIN
- Internship : Solidarité Mondiale
Description of the Institution:
Solidarité Mondiale est l’ONG du Mouvement Ouvrier Chrétien regroupant en son sein différentes organisations sociales. Financer ses partenaires et assurer l’éducation au développement sont les principaux objectifs de l’organisation.
Name of the student : Dandoy Sébastien (2005-2006)
Title of thesis : "Articulations entre micro-assurance santé et microcrédit. Analyses des expériences du programme d’économie sociale WSM/FBS en Afrique de l’Ouest"
Description of the Institution
The objective of PADME is to improve the development of micro-enterprises in Benin. To achieve this objective, PADME offers financial services, management and business trainings, and assistance in the follow up of loans. PADME also provides several advices to micro-entrepreneurs on demand.
The key objectives are providing Microfinance services to micro-enterprises and to individuals; financing profit earnings activities done by Non Governmental Organisations (NGOs); providing information, awareness and training to micro-entrepreneurs of the informal sector in order to help them to better run their businesses.
Name of the student : Mamadou Diallo (2006-2007)
Title of thesis :
“Matching MFI management information needs with appropriate Management Information Systems (MIS): a case study of Padme”
Country: BURKINA FASO
Description of the Institution:
The Bâoré Tradition d’Epargne et de Crédit are savings and credit associations which were created in 1990 by the Fédération Nationale des Groupements Naam in order to support the development of member unions by (i) the enhancement of solidarity between members in particular and local population in general, (ii) the mobilization of local savings and (iii) the financing of viable economic activities of members, individually and collectively. The Fédération Nationale des Groupements Naam (FNGN) is an NGO working in a variety of sectors including microfinance, agriculture and soil conservation, food security, rural energy, women empowerment, etc.
Name of the student : Omar Assani (2008-09)
Title of thesis : "Adapting financial products to the demand of rural households"
Description of the Institution
Le RCPB a pour objectifs de promouvoir et développer des coopératives d'épargne et de crédit ; mobiliser l'épargne locale pour le financement du développement local ; lutter contre la pratique de l'usure par la mise en place de structures financières décentralisées et accessibles à tous ; former les populations à la gestion de ces structures ; et développer, d'une part, l'éducation sur la santé de la mère et de l'enfant, et d'autre part, la formation à la gestion d'activités rémunératrices pour les femmes démunies en milieu rural.
Name of the student : Parra Claudie (2005-2006)
Title of thesis : "L'analyse d'une structure organisationnelle d'un réseau de coopératives d'épargne et de crédit. Le cas du RCPB"
- Internship : Confédération des Institutions Financières
Description of the Institution
Confédération des Institutions Financières (CIF or in English Confederation of Financial Institution) is the head organization of 6 major savings and credit cooperatives active in 5 countries of the West African Economic and Monetary Union (UEMOA). The 6 cooperatives are Fédération des Caisses d’Epargne et de Crédit Agricole Mutuel (FECECAM) of Benin, Fédération des Caisses Populaires du Burkina Faso (FCPB) of Burkina Faso, Union des Caisses Mutuelles d’Epargne et de Crédit (KAFO JIGINEW), Le Réseau des Caisses d’Epargne NYÉSIGISO of Mali, Union des Mutuelles pour le Partenariat pour la Mobilisation de l’Epargne et du Crédit du Sénégal (UM - PAMECAS) of Senegal, Faîtière des Unités des Coopératives d’Epargne et de Crédit (FUCEC) of Togo.
The 6 SACCOs put together comprise of more than 2 million members and have access to financial services through more than 620 branches. Their market share is estimated at 70% in the UEMOA area. The first mission of CIF is to ensure the financial supervision of the SACCOs. Its other fields of expertise are product development, information systems and human resources management. Lastly, CIF will be the legal entity through which an insurance company and a regional bank will be created and should be operational sometime between 2009 and 2011.
Name of the student : Quentin Lecuyer (2007-08)
Title of thesis : Strengthening the financial structure, a cooperative challenge? The case of westafrican Microfinance.
Country: DR CONGO
- Internship : Banque centrale du Congo
Description of the Institution
La Banque Centrale du Congo a pour objectif de maintenir la stabilité monétaire par une politique de crédit et du change favorable au développement équilibré de l'économie de la République Démocratique du Congo.
Name of the student : Geulette Guillaume (2005-2006)
Title of thesis : "Microfinance investments in Democratic Republic of Congo: is a conducive regulatory framework enough?"
Country: ETHIOPIA
Description of the Institution
ACORD is building its future as a genuinely international Africa-led alliance of groups and individuals addressing aspects of rights and social justice that underlie the poverty of those on the fringes of African societies. The actions of the organization are: Research, action and reflection, support to local organisations/structures, mobilising resources, influencing relevant policies, practices and attitudes, working in alliances with others, working across national boundaries where appropriate.
Name of the student : Fanta Sylvie (2005-2006)
Title of thesis : "When microfinance meets other rationalities…Aspects of ownership of a credit scheme in Addis-Ababa, Ethiopia. The case of ACORD"
Country: JORDAN
Description of the Institution
Tamweelcom was founded in 1999 as a limited liability non-profit company fully owned by Noor Al-Hussein Foundation (NHF), which operates as an independent entity under the umbrella of the King Hussein Foundation (KHF). From the beginning, Tamweelcom's aim was to educate clients to differentiate between subsidized lending (charity) and credit, as well as the importance of paying on time through operating in the market on commercially based methodologies to achieve the company's goal set.
Name of the student : Souada Kermani (2006-2007)
Title of thesis : "How to optimize a communication campaign in the Jordan microfinance market?"
Country: MADAGASCAR
Description of the Institution
MicroCred Madagascar was inaugurated in December 2006 and six months later they have attained a portfolio of over 2000 clients and opened three agencies in the capital. For the moment the aim is to finance small and medium size enterprises generally excluded from the banking sector and hence contribute to the local economical development. MicroCred Madagascar will soon obtain the legal status of a bank which entails that they will be allowed to collect savings; this new project will be launched in October later this year. Within shortly the institution is also planning to develop a micro-insurance product and open agencies in five other provinces within the coming five years although remaining focused on urban microfinance.
Name of the student : Aline Histas (2006-2007)
Title of thesis : "Is there potential to open new saving products in Microcred Madagascar Institution? How can this new activity be introduced?"
Name of the student : Thèrèse Sandmark (2006-2007)
Title of thesis : "What are the key elements to successfully include microfinance in development projects and programmes?"
Name of the student : Amélie Vangrunderbeek (2006-2007)
Title of thesis : "Market Survey to provide a new microfinance product: microinsurance"
Country: MALI
- Internship: NABARD (National Bank for Agriculture Development)
Description of the Institution
NABARD is an institution with operations in the field of credit for agriculture and other economic activities in rural Countries in India. NABARD serves as an apex financing agency for the institutions providing investment and production credit for promoting the various developmental activities in rural Countries; takes measures towards institution building for improving absorptive capacity of the credit delivery system, including monitoring, formulation of rehabilitation schemes, restructuring of credit institutions, training of personnel, etc. ; co-ordinates the rural financing activities of all institutions engaged in developmental work at the field level and maintains liaison with Government of India, State Governments, Reserve Bank of India (RBI) and other national level institutions concerned with policy formulation; and undertakes monitoring and evaluation of projects refinanced by it.
Name of the student : Vasquez Montano Diana (2005-2006)
Title of thesis : "Complementary between banks and microfinance institutions"
- Internship:
Cellule de Contrôle et de Surveillance des Systèmes Financiers
Décentralisés, Ministère des Finances
Description of the Institution
The CCS/SFD is the department of the Ministry of Finance
responsible for the supervision of Malian MFIs. Its role is to hand out
official licenses to new MFIs, to regularly audit and control existing MFIs
and to keep track of statistics on Malian MFIs.
Name of the student : Nicolas Derbin (2006-2007)
Title of thesis : "The Solvability Analysis of Malian Microfinance Institutions as a Supervision Tool for the Ministry of Finance"
Description of the Institution
Nyèsigiso is a cooperative of credit and saving created in 1990 in one area of Mali named Segou, with the technical support of “Développement International Desjardins” (DID) and the financial support of the International Canadian Agency for Development. The present structure has the following levels: the union and the fifteen cashers. The mission of Nyèsigiso is to offer credit and savings services to people excluded from formal banks. As the second network of saving and credit in Mali, Nyésigiso serves population in urban, semi urban and rural areas. In December of 2008, Nyèsigiso had fifteen cashers who are responsible for monitoring forty-five points of services in five administrative regions of Mali: Bamako, Kayes, Koulikoro, Ségou, Tombouctou. 155 529 members (including 98 440 men and 45 839 women) are served by 259 employees.
Name of the student : Anne Claire Siliki (2008-09)
Title of thesis : Factors leading to borrowers' drop-out of Microfinance Institutions
Country: MOROCCO
Description of the Institution
L’Association de Microfinance Oued Srou (AMOS) is a rural microfinance institution focusing its efforts on the area of Meknes-Tafilalet in Morocco, over the past nine years.
AMOS has the mission to “Improve; through microfinance, the socio-economic situation of people and marginalized individuals”, to accomplish it mission, AMOS has a work team of 36 people, among which 23 are loan officers and the remaining 13 are divided into back office staff and management. AMOS’ employees, work with 4225 clients (mostly women), in rural and semi-urban areas, using individual and group lending methodology and asking for compulsory savings. Loans are allocated between livestock farming, handcraft, commerce, services and others. AMOS offers its services through three agencies placed in: Midelt, El Kebab and Khenifra. These agencies coordinate a total of 16 branches in other towns near them in order to maximize their outreach.
Name of the student : Eduardo Gonzalez (2008-09)
Title of thesis : Relationship Analysis between Internal Marketing and Client’s Loyalty
Name of the student : Dorota Maciag (2007-08)
Title of thesis : Social performance and private investors in microfinance - weight in the decision making and relevant criteria
- Internship:
Fondation Zakoura
Description of the Institution
The Fondation Zakoura is a mature and financially sustainable institution created in 1995 by Mr. Nourdine Ayouch and has the legal status of a non-profit humanitarian organization. Its head office is situated in Casablanca and her 568 branches (181 main branches and 387 secondary branches) are spread geographically over 9 regions (Agadir, Casa 1, Casa 2, El Jadida, Fès, Marrakech, Oujda, Rabat, Tanger). The most recent dashboard of the Foundation (august 2008) shows that among its 1723 employees, 1177 are loan officers. Its services reach about 370000 active borrowers, among which 67% are women and about the third comes from a rural area. As many other microfinance institutions, Zakoura started by offering solidarity loans to women only. It opened its services progressively to men since the year 2000, and introduced the first individual loan in 2003. Today, Zakoura’s main products are of three types: solidarity loans, individual loans for income generating activities and individual loans for improving the living conditions.
Name of the student : Joyce Kheirallah (2007-08)
Title of thesis : "The Poverty Assessment Tools: Analytical Overview and Implementation in FONDATION ZAKOURA, Morocco"
- Internship: Banque Centrale du Maroc
Description of the Institution
En février 2006, les Associations de microcrédits ont été soumises au contrôle de la Banque Centrale Al Maghrib au Maroc. C'est à la direction de la supervision bancaire qu'est revenue la responsabilité de la mise en place de la réflexion sur la régulation du secteur. Un groupe de travail a été mis en place au sein de cette direction afin d'établir une méthode de suivi adaptée à la spécificité du secteur.
Name of the student : Schott Sandra (2005-2006)
Title of thesis : "Mise en place d’une supervision efficace des MFI’s: gouvernance et organisation"
- Internship: Planet Finance Morocco
Description of the Institution
Planet Finance has for mission to develop the microfinance sector. Its objectives are: develop effective tools to develop microfinance worldwide, guarantee ethics and excellence in the development of all activities, and become a self-sufficient organization by developing diversified and sustainable products.
PlaNet Finance supports these financial intermediaries and increases their growth by federating them and providing operational services which enable them to strengthen their technical capacities and financial resources. PlaNet Finance also works with the private sector (banks and financial institutions), governments and international organizations in order to increase microfinance sustainability.
Name of the student : Moreau Pascale (2005-2006)
Title of thesis : "Centrale des risques en microfinance: méthodologie, démarches, facteurs de succès de la centrale des risques au Maroc"
Description of the Institution
Created in 1997, Al Amana is a microcredit association operating in Morocco. Its mission is to participate to social integration and economic development through microfinance services delivery and promotion of microenterprises, in order to contribute to the improvement of the working and living conditions of its clients and to the promotion of its skills. Al Amana wants to play a significant role into the extension of financial services to the whole Moroccan population that is, in majority, excluded from the traditional banking sector because of their lack of financial resources. Consequently, Al Amana provides microfinance services in urban but also, increasingly, in rural areas, in the form of loans for the development of economic activities and for the financing of housing. Besides that, Al Amana also offers non financial services to its clients.
Name of the student : Julien Gérard (2006-2007)
Title of thesis : "Reflexion on drought risk management linked to rural credit of Al Amana"
Name of the student : Arnaud Gillin (2006-2007)
Title of thesis : "Main steps to prepare an MFI for a microcredit portfolio securization programme"
Name of the student : Alexandra Toubia (2006-2007)
Title of thesis : "Housing microfinance: the case of Al Amana"
- Internship:
Ambassade de France au Maroc
Description of the Institution
The Service of Cooperation and Cultural Actions of the French Embassy in Morocco is aimed to strenghten cooperation programmes and projects between Morocco and France in diversified developmenent fields such as relations with associations & NGOs (including the ones developing microfinance projects), human rights, health, urbanism, education, research and cultural events.
Name of the student : Laetita Ricklin (2006-2007)
Title of thesis : "New Developments and Downscaling in Brazil : What impact on Micro-entrepreneurship?"
Country: RWANDA
Description of the Institution
The goal of Aquadev is fighting against the broad notion of South inequalities. The partners belong mainly to social groups that have weaker chances to improve their well being than other ones having organized the social life at their own profit.
They are three main sectors: the microfinance (decentralized financial sector and support to the small and medium businesses), the nutritional security improvement (according to a planning and a multisectorial approach, including for example a support to the decentralization process) and the environment in urban environment (directed towards the planning and the water cleaning up).
Name of the student : Vanderstricht Felix (2005-2006)
Title of thesis : "Faciliter l’accès aux soins de santé pour les populations pauvres et les indigents au Rwanda"
Country: SENEGAL
- Internship: UFM (L'Union Financiere Mutualiste de Louga)
Description of the Institution
UFM (“Union Financière Mutualiste”) is a network of 16 MFIs operating in Louga, the third biggest region of Senegal. It has been promoted by producer organizations with technical assistance from two NGOs (AQUADEV an International Belgian NGO and CISV, an Italian NGO both involved in microfinance promotion) in the frame of a project funded by European Union. Set up in April 2008, UFM’s mission is “to improve the living standards of the population in the region of Louga through promotion of rural micro-enterprises and offering quality financial and non-financial services guided by the values of transparency, democracy and solidarity”.
Name of the student : Abdoulaye Kabore (2008-09)
Title of thesis : Improving rural and agriculture finance in the region of Louga
through networking and strategic alliance building between Union
Financière Mutualiste (UFM) and Producer Organizations (POs)
- Internship: PDIF (Programme de Développement Intégré de Fatick)
Description of the Institution
The PDIF program -Programme de Développement Intégré de Fatick- operates since 2003 in the entire region of Fatick; one of the poorest region in Senegal. Its objective is to contribute to the reduction of poverty and the improvement of the life conditions of both rural and urban populations. The PDIF intervenes in potential fields such as the salt production, the groundnut production, the cashew nut production, the tourism sector and the microfinance sector. The PDIF mission can be summarized over three main points: the reinforcement of organizational and institutional capacity building of local federative structures; the support of economic initiatives of female organizations by financing income generating activities; the reinforcement of existing dynamics and the development of synergies among local actors, partners and women organizations.
Name of the student : Nayla Dahdah (2007-08)
Title of thesis : "Repayment rate, reimbursement delays and loan usage: when microfinance meets successful repayments rates, lessons from the PDIF programme in Senegal"
- Internship: AD Finance (Aquadev)
Description of the Institution
Les cellules d’expertise nationale dénommées « ADFinance ». Les cellules ADFinance sont unies par des liens de partenariat aux IMF et à leurs fédérations, et collaborent avec tous les acteurs du Secteur Financier décentralisé. Les cellules ADFinance fournissent un appui institutionnel et technique aux IMF partenaires. Les IMF partenaires collaborent à l'élaboration et à la mise en oeuvre du plan d'appui institutionnel et technique. Les cellules recherchent et produisent des outils spécialisés pour le Secteur Financier Décentralisé qui sont mis à la disposition du secteur. Les cellules ADFinance sont principalement composées de personnel local ou d'expatriés Sud-Sud. Cette politique vise à renforcer les capacités des experts locaux et à faire des cellules ADFinance de véritables pôles d'expertises intégrés.
Name of the student : Derdari Btissam (2005-2006)
Title of thesis : "La gestion du risque et la viabilité des institutions de microfinance"
Description of the Institution
AQUADEV is an international non governmental organisation and a non-profit research office, registered by a Belgian ministerial order, the European Commission, the West African Bank of Development (BOAD) and the African Bank of Development (BAD).
AQUADEV is specialised in feasibility studies and project or programme realisations that aim to reinforce its southern partner's organisational decision capacities. AQUADEV's partners are encouraged to organise themselves through activities generating supplementary revenues in a sustainable way in the following domains: microfinance, agro-alimentary and environment. AQUADEV's approach mainly aims to guarantee the viability of the conducted actions through the use of rigorous identification, conception and evaluation methodologies.
Name of the student : Marie-Anne Galouzeau de Villepin (2006-2007)
Title of thesis : "Microfinance and natural disaster: how could microfinance help rural households to cope with natural disaster. Illustrations with the natural disaster implemented in Senegal.”
Country: TOGO
Description of the Institution
Women and Associations for Gain both Economic and social « WAGES » is a Microfinance institution located in Togo. WAGES began its activities in 1994 as a cooperative project mobilizing savings and providing loans to active poor people. WAGES is receiving finance support from Care-International-Togo and other international social motivated donors like ADA. Since 1999, WAGES has been recognized by the Ministry of Economy, Finance and Privatization. WAGES is rapidly growing; it has already reached more than 64.710 clients and 3.054 associations with nine operational branches after 15 years.
Name of the student : Eddy Balemba (2008-09)
Title of thesis : "Evaluation of customer satisfaction with services of a Micro-finance Institution : Empirical Evidence from WAGES’ customers in Togo"
Country: TUNESIA
- Internship:
African Development Bank
Description of the Institution
The AfDB is a regional multilateral development finance institution established in 1964 to mobilise resources towards the economic and social progress of its Regional Member Countries (RMCs). Since the beginning of its operations in 1966, the bank has become a key player in promoting economic and social development in African states.
Name of the student : Sélim Kharrat (2006-2007)
Title of thesis :
"How can microfinance institutions serve the very small and small enterprises market segment in Africa"
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