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B&H History on Microlending

B&H History on Microlending. Postwar development Goals Access to fin services Institutional building Regulation Impact. MI-BOSPO. The oldest microcredit organization in Bosnia and Herzegovina Serving women only: since 1996 More than 15.000 clients More than 13 mill EUR in portfolio.

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B&H History on Microlending

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  1. B&H History on Microlending • Postwar development • Goals • Access to fin services • Institutional building • Regulation • Impact

  2. MI-BOSPO • The oldest microcredit organization in Bosnia and Herzegovina • Serving women only: since 1996 • More than 15.000 clients • More than 13 mill EUR in portfolio

  3. Vision and Mission • Financial services provider of choice for low income women entrepreneurs • MI-BOSPO is microcredit organization lending to economically active low income women entrepreneurs in order to improve their economical poistion and living standard of their families

  4. Clients • We trade. • We do agriculture. • We do land. • We knit and sew. • We work 14 hours a day to do all of the above. • We are enterprenuers.

  5. Loan products: • Amount: Up to 5,000 EUR • Term: Up to 5 years • Interest rate: From 18% • Average loan amount approx. 900 EUR

  6. Impact • Difficult to measure • What would have happened if microcredit was not provided? • Access to finance achieved • New challenge for financial sector – deepened market penetration – lead to saturation? • Internally: management and skills development for staff

  7. Future • Entrepreneurship development hand in hand with financial services • Women in Business Network • What do women want? • Clients protection – policy and service provision level – debt advice centers

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