Enda inter-arabe a \u00e9t\u00e9 class\u00e9e 2e institution de micro-finance (IMF) au monde de par ses performances sociales.<\/strong><\/em><\/p>\n<\/p>\n
Ce classement est le r\u00e9sultat d\u2019une notation dont Enda a fait l\u2019objet de la part de Planet Rating, l’une des principales agences de notation sp\u00e9cialis\u00e9es en micro-finance.<\/p>\n
L’\u00e9valuation porte sur les performances financi\u00e8res et sociales de cette institution pionni\u00e8re de la micro-finance en Tunisie qui a 20 ans d\u2019exp\u00e9rience.<\/p>\n
Pour ses performances financi\u00e8res, Enda inter-arabe a obtenu la note A- (tendance positive), comme depuis plusieurs ann\u00e9es.<\/p>\n
La notation des performances sociales porte sur les syst\u00e8mes et les proc\u00e9dures mis en place par l\u2019organisation pour atteindre ses objectifs sociaux. La performance sociale mesure indirectement l\u2019impact social de l\u2019IMF.<\/p>\n
Cinq domaines sp\u00e9cifiques sont analys\u00e9s: la gestion de la performance sociale, l\u2019inclusion financi\u00e8re, la protection des micro-entrepreneurs et le caract\u00e8re \u00e9thique des activit\u00e9s, la politique du personnel et la transformation sociale.<\/p>\n
La note obtenue par Enda pour ses performances sociales (5- sur un total de 5) la classe comme deuxi\u00e8me institution de micro-finance dans le monde parmi les institutions de micro-finance not\u00e9es.<\/p>\n
Planet Rating consid\u00e8re que les intentions d’Enda en mati\u00e8re d\u2019impact positif sur la Tunisie, tant \u00e9conomique que social, sont claires et que sa mission sociale est solidement institutionnalis\u00e9e.<\/p>\n
Par ailleurs, l\u2019agence souligne la volont\u00e9 d’Enda de cibler les zones g\u00e9ographiques marginalis\u00e9es du pays et de d\u00e9velopper des produits diversifi\u00e9s et flexibles. \u00abL\u2019organisation travaille avec une bonne base \u00e9thique et une grande transparence, tant avec ses clients qu\u2019avec son personnel\u00bb.<\/em><\/p>\nLe processus de notation comporte des visites de terrain et une analyse approfondie des donn\u00e9es chiffr\u00e9es, des proc\u00e9dures et bien d’autres facteurs.<\/p>\n
Pour la notation financi\u00e8re, Planet Rating se base sur un syst\u00e8me innovant, Girafe, destin\u00e9 \u00e0 \u00e9valuer le profil de risque ainsi que la performance institutionnelle et financi\u00e8re des institutions de micro-finance.<\/p>\n
Pour cet aspect de la notation, Planet Rating a attribu\u00e9 \u00e0 Enda la note de A- (tendance positive). Le syst\u00e8me Girafe se base sur 6 domaines sp\u00e9cifiques: gouvernance, information, risque, activit\u00e9s, financements et liquidit\u00e9s, efficacit\u00e9 et rentabilit\u00e9.<\/p>\n
Ainsi, Enda-inter-arabe se positionne dans le plus haut quartile des notations, disposant de bases solides lui permettant de g\u00e9rer les risques \u00e0 court et moyen terme, ainsi que de conserver d\u2019excellentes performances \u00e0 l\u2019avenir. Planet Rating a soulign\u00e9 la solidit\u00e9 des bases institutionnelles, op\u00e9rationnelles et financi\u00e8res d’Enda, ainsi que sa tr\u00e8s bonne m\u00e9thodologie de cr\u00e9dit.<\/p>\n
L\u2019agence encourage la filialisation de l\u2019activit\u00e9 de micro-cr\u00e9dit d’Enda \u00e0 travers la soci\u00e9t\u00e9 anonyme, Enda Tamweel. Cela permettra \u00e0 l\u2019Ong, actionnaire majoritaire, de disposer d\u2019un outil garantissant l\u2019\u00e9quilibre de ses missions, sociale et financi\u00e8re.<\/p>\n
Depuis qu’elle a introduit ses premiers produits de micro-cr\u00e9dit en 1995, Enda a octroy\u00e9 un total de plus de 1,8 million de pr\u00eats \u00e0 550.000 micro-entrepreneurs pour une valeur cumulative totalisant 1,7 milliard de dinars. L’institution sert actuellement plus de 265.000 micro-entrepreneurs, dont les deux-tiers sont des femmes et 42% habitent dans les zones rurales. Ses 78 agences s\u2019\u00e9tendent \u00e0 travers tout le territoire tunisien, tant en milieux urbain et p\u00e9riurbain que rural. Elle emploie 1.200 personnes dont plus de 80% sont des dipl\u00f4m\u00e9s.<\/p>\n
A travers ces deux institutions, Enda Tamweel et Enda inter-arabe, l\u2019organisation poursuivra sa mission de contribuer activement \u00e0 l\u2019autonomisation financi\u00e8re des populations marginalis\u00e9es, notamment les femmes et les jeunes.<\/p>\n
A part les services financiers, Enda propose aussi une large offre de services non-financiers, tels que des formations en gestion ou des formations \u00abm\u00e9tier\u00bb, l’appui \u00e0 la commercialisation, l’\u00e9ducation financi\u00e8re ou encore des cercles d’information et de discussion.<\/p>\n
Source<\/strong><\/em> : communiqu\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"Enda inter-arabe a \u00e9t\u00e9 class\u00e9e 2e institution de micro-finance (IMF) au monde de par ses performances sociales.<\/p>\n","protected":false},"author":5,"featured_media":7188,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[995,2433],"tags":[1281,301,1823],"class_list":["post-7187","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-tunisie","tag-credits","tag-economie","tag-microfinance"],"yoast_head":"\n
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<\/p>\n