3/12/2013 alexandria business association sme project · 2009 life and disability insurance...

3/12/2013 Alexandria Business Association SME Project

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ABA


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H I S T O R Y 1983 Economic Committee for Businessmen.

1988 Establishment of Alexandria Businessmen’s Association.

1989 First Cooperative Agreement with USAID.

1990 Launch of ALEXANDRIA SME Individual Lending Program in January.

1992 Operational Self-Sufficiency.

1994 Full Financial Sustainability.

1997 Launch Outside Alexandria.

1998 Contract with UNDP-MicroStart Program for BAHRAIN.

1999 Contract with UNDP-MicroStart Program for YEMEN.

1999 Launch of BLOSSOMS Group Lending PROGRAM.

2000 Launch of TOWARDS SELF-EMPLOYMENT Charity PROGRAM.

2001 SME Project won the AGFUND International Prize.

2005 Contract with Kingdom of Saudi Arabia.

2007 Establishment of Training Center and Show Room.

2007 Launch of Development path Group Lending Program.

2008 Establishment of Bail Fund to Support Client (Crisis, Death & Disability).

2008 Pilot test for Agri- product.

2009 Life and disability insurance (ALICO).

2011 Launch of Step By Step Charity Program.

2012 Launch of Tomouh Program.

2013 Aggregate Loan Disbursements exceeded 4 Billion Egyptian Pounds.

2013 No. of Branches Reached 60 Branches working in 6 Different Governorates.


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A Reliable Partner for Advancing & Accelerating the Social & Economical Development

Vision


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Providing financial and non-financial to the neediest people in society, to achieve a decent life for them, their

families while maintaining the balance between social and economic

performance

Mission Statement


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Ethics and Core Values

Our institution will be:

Transparent

Objective

Committed to maintaining ABA’s message

(Only income generating loans)


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Ethics and Core Values

Our staff will value:

Cooperation and team spirit

Belonging

Diversity

Positive attitudes


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Project’s Components

(1) Provision of Micro Credit

L.E. 250 – 100,000 ($38 – $14,925)

(2) Business Support Services

(Non-Financial Services)

(3) Consulting Services

(Advisory Services)


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Average Number of Loans Per Month

136 464464

1,600 2,0002,600

4,100

5,600

8,891 9,806

13,290

17,200

20,23119,350

24,188

25,845

0

4,000

8,000

12,000

16,000

20,000

24,000

28,000

90 92 94 96 98 0 2 4 6 7 8 9 10 11 12 13


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Average Amount of Loans Per Month

(in Million Pounds)

0.3 0.9 2.7

4.8 6 6.67.4

8.7

14.819.6

27.38

36

45 46

60

65

0

7

14

21

28

35

42

49

56

63

70

90 92 94 96 98 0 2 4 6 7 8 9 10 11 12 13


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Achievements Up to February 2013

Total Amount lent L.E 4,102 Billion

Total number of loans 1,895 Million

Average loan size L.E 2,164

Clients reached 690 thousand

No. of Active Clients 244 thousand

Loans Outstanding L.E 394 Million

Latest Repayment 99.75%

Percentage of Women Borrowers 53%

Number of Staff 1065


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helps poor people help themselves.

is dedicated to reducing poverty by helping

unemployed poor people to start businesses that

they plan and manage themselves.

Provide Training and Seed Capital to start activity.


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Achievements (February 2013)

Total Number of Grants

26,663 Rate of Continuity

40%


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is based on the belief that:

Development must begin with people

with their own ideas, and build on their

skills and unemployed time.

Step By Step Program ABA’s Second Innovative product

A program directed to Youth, to help them start their own business.

Target group is 18-22 years with a minimum of preparatory & a maximum of high education.

Compact Vocational training for one month followed by Soft skills training. 3/12/2013 Alexandria Business Association SME

Project

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Step By Step Program The group is segregated to:

- Uncommitted Youth to be excluded.

- Committed without Entrepreneurial skills to be directed to market.

- Committed and enjoy the skills to have seed capital with mentoring

Graduated youth join lending programs.


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Tomouh

ABA’s Third innovation

Main Target

Evaluate Youth market to develop the first Youth inclusive financial and non financial service in Egypt to increase employability, promote entrepreneurial spirit in Youth, reduce poverty, and increase micro and small businesses in Egypt.


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Tomouh

• The Arab spring was a direct result of Youth movement, which reflected their values, seriousness, and their unutilized capacity. The main lesson that we came out with, is that we do not understand, or listen seriously to them.

• Over than 50 ABA staff highly trained Youth oriented on Research, Credit, Mentoring, Listening, Coaching, Business Guidance, Personality Evaluation and capacity building.

(Silateck (Tamheed), Mowgli & UNIDO)


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Target Group Over 30% of ABA’s clients below 30 years

Ambitious young Clients.

Age between 18-30,

Rural/Urban inhabitants,

Talented in what they do,

From minimal up to higher education,

Industrial sector

Main Objective: Youth Financial Product.

3/12/2013 Alexandria Business Association SME

Project

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Tomouh

• The client is visited by one of the team to be evaluated.

• Through training, exposure visits, financial support, mentoring, networking the young entrepreneur is graduated to higher step.

• Each case is documented to be referred to determine success and failure elements.

• Outcome will be the major input in the youth Product development Process.


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Mowgli & UNIDO Training


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Additional Steps aiming at

graduating clients and improving

their life style.

Discounts on medical Services.

Networking between Clients.

Networking within the business community.

Participation and attendance of local conferences and exhibitions.


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Exhibition

The exhibition presents important marketing services for clients of Small and Micro Enterprise Project.

Egyptian exporters through this exhibition can identify some of the industrial production of small and micro enterprise projects in different areas to contract with them.


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Library

The library provides all the

necessary technical catalogs

to customers in their service

also; it provides them with

access to the internet, so

that they can have access to

the latest technology.


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Literacy Program

• Mainly targeting Group lending clients.

• Provides additional incentives & benefits to the official program

• No. of beneficiaries 5040

• No. of graduated 2875


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Small & Micro Enterprise Project

Credit Programs Grant Activity

SME

Credit

Program

Jan 1990

Development

Path

Sep 2006

Towards Self-

Employment

Program

March 2000

ABA’s approach to graduate poor people to micro credit

Commercial

Banks

ABA

Blossoms

Of Micro

Enterprise

Oct 1999

Step by Step

June 2010


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Our Overall Objective:

Reaching Down

And

Scaling-Up


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Thanks you for visiting

ABA Please visit our web site at

www.aba-sme.com

3/12/2013 alexandria business association sme project · 2009 life and disability insurance...

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