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Introduction of SME finance in a Zimbabwean MFI

Project Details

CLIENT

African Guarantee Fund (AGF)

YEAR

2017-2018

COUNTRY / REGION

Zimbabwe / Sub-Saharan Africa

EXPERTISE

Banking & SME Finance

Inclusive Finance

KEY TOPICS

SME Finance

Microfinance

CONTACT

Dörte Weidig

Founded in 2009, Untu Capital provides credit to MSMEs in Zimbabwe. By November 2016, the institution was operating through eight branches with a loan portfolio of over USD 3.5 million and over 3,000 active clients.

Untu relaunched SME activities in September 2015 and IPC was contracted to strengthen the capacities of the newly formed SME department. Our support focuses on streamlining processes and procedures, enhancing credit risk management and improving SME acquisition activities to achieve relevant results in terms of growth, scope and quality.

IPC’s experts implement the following tasks:

  • conducting diagnostic assessment of SME lending department and operations
  • enhancing tools for SME business analysis and risk assessment
  • revising SME loan process and procedures, as well as the credit risk management policy
  • designing new credit committee rules and structure
  • strengthening staff skills: loan analysis, risk appraisal, decision-making and portfolio management
  • optimising department organisation to achieve more efficient results
  • Optimising branch structures to better serve SME clients
  • designing and implementing a systematic SME business development strategy
  • defining performance targets and incentives suitable for SME lending

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