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MIKROFOND EAD

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meris
11 diapositives · 223 Views · Aug 15, 2014

Mikrofond EAD, Bulgaria's first microfinance NGO turned commercial lending company, empowers 2,000 microentrepreneurs with access to finance, driving local economic success. Founded in 1999, the organization provides financial support to small businesses in regions with high unemployment, boasting a successful track record and creating a positive impact on the economy. With a strong mission to support the initiative people in Bulgaria, Mikrofond EAD serves as a crucial source of alternative financial services for micro- and small-sized enterprises. Their client-centric approach, transparency, and forecasts for continued growth make them a key player in Bulgaria's microfinance sector.

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  1. MIKROFOND EAD THE FIRST MICROFINANCE NGO IN BULGARIA TRANSFORMED INTO COMMERCIAL LENDING COMPANY WITH CAPACITY TO REACH 5000 CLIENTS

  2. ACCESS Mikrofond provides access to finance for 2 000 microentrepreneurs.

  3. EMPOWERMENT Microfinance encourages people to improve their well being through income generating activities

  4. SUCCESS Improvement of local economy builds on the success of the micro businesses.

  5. History • Microfond EAD originates from the Microcredit Program of the Resource Center Foundation, which has started in 1999 with the support of the Soros Economic Development Fund and OSI. The Sole Owner of Mikrofond EAD is Mikrofond – Sofia Foundation. • Mikrofond EAD provides financing and support to micro- and small-sized enterprises in regions with high level of unemployment and low economic growth. • Three year experience of consulting large Bulgarian bank in microfinance. • Over 1500 loans for one year.

  6. MISSION • To support the initiative people in Bulgaria, providing alternative financial and other services. We believe that the small business is the engine of the economic development and has the greatest growth potential. • Our clients are micro- and small-sized companies that meet difficulties in financing their business projects by the existing banks and other financial

  7. Outreach • Seventeen offices covering • 215 municipalities • more than 75% of the territory • more than 90% of the population

  8. FUNDING • 3 mln USD credit line from Raiffeisenbank (Bulgaria) EAD • 0.3 mln USD loan subsidized loan from Soros Economic Development Fund • 0.77 mln USD in registered Equity

  9. Results • Outstanding portfolio – 5,5 mln BGN (2.75 mln EUR) 1 100 clients • Portfolio at risk > 30 days 2.7% • Repayment rate 98.8% • Business structure • Wholesale9% • Retail26% • Production 15% • Field Farming9% • Stock-breeding8% • Services22% • Others11% • Over 350 start-up businesses funded • 40% of clients are women

  10. Transparency • Implemented Quality Management System of Mikrofond EAD, certified in compliance with ISO 9001:2000 • Appointed financial external auditor Ernst&Young • Member of Microfinance Center Poland

  11. FORECASTS • Outstanding portfolio end 2005 – 10 000 000 BGN • Number of microloans outstanding – aprox. 2 432 • Expected market share (200 000 total market) – 1,5% • 2005 operational costs – 850 000 BGN • 2005 financial costs – 450 000 BGN • 2005 total income – 1 400 000 BGN • Needed funding • Equity up to - 1 000 000 EUR • Loan – up to 3 000 000 EUR