!Mutuelle!!de microfinance (Québec)!!!!Challenges!

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1 !Mutuelle!!de microfinance (Québec)!!!!Challenges!

2 From Microcredit to Microfinance!!!! Challenges! Consistency - Mission, vision! Innovation! Growth and profitability! Governance! Access! Transition!

3 Fonds d emprunt Québec! Founded in 1997;! Is a non-profit organization (NPO) and registered charity! Supports projects throughout the Québec City capital region! Mission! Mobilize investors to provide access to credit and support for low-income people who have a business plan.!

4 Fonds d emprunt Québec! Partners (joint work, collaborations or service agreements)! Ministère des Finances et de l Économie du Québec (MFE)!! CLD de Québec! Réseau québécois du crédit communautaire (RQCC)!! CDEC de Québec! Association des femmes entrepreneures de Québec!! Centre Louis-Jolliet! La Commission scolaire de la Capitale! Emploi-Québec et plusieurs organismes d employabilité! Partners of the Microfinance Mutual (Quebec)! CLD de Québec!!! Bureau de la Capitale-Nationale (BCN)! Conférence régionale des élus (CRÉ) de la Capitale-Nationale! RISQ (Réseau d investissement social du Québec)! Conferences and training! Université d été à l Université Laval, Assise DID Desjardins, Colloque annuel de la Fondation de l entrepreneurship, Musée de la Civilisation, ENAP (École nationale d administration publique), Université féministe d été et ACFAS.!

5 Fonds d emprunt Québec! Investors! Private companies! Foundations! Desjardins! Individuals! Unions! Religious Communities! Known and Recognized! Founding member of the Réseau québécois du crédit communautaire ;! Member of the Pôle régional d économie sociale de la Capitale-Nationale ;! Signing partner of the soical economy specific agreement managed by the Conférence régionale des élus (CRÉ) de la Capitale-Nationale!

6 Fonds d emprunt Québec! Internationally" Hosting foreign guests with! CECI (Centre d étude et coopération internationale)! SOCODEVI (Société de coopération pour le développement)! DID (Développement Internationale Desjardins)! Technical assistance and training!! Université Senghor, Égypte! Université Lyon, France! Bamako, Mali! Port au Prince, Haïti!

7 Fonds d emprunt Québec! SERVICES AND RESULTS! Services! Microcredit (loans up to $ pre-start-up! Consulting!!! After 15 years (March 31, 2012)! Loaned $2.7 million, generating $11.5 million in project costs;! $1.4 million of loan capital! 2,500 people have been served and oriented! 550 jobs created! Survival rate of 68% of the startups after 5 years" ### (compared to 33% overall in Quebec)! Reimbursement rate of 91%!

8 !Growing needs"!guiding the evolution of"!fonds d emprunt Québec!!!!!Seeking a business model that"!!!!allows us to be more efficient"!!!!to meet those needs!

9 The financial crisis accelerated the discussion we started to better meet the growing needs of people with whom we work! We looked at models that exist in Africa, Europe, Latin America and the United States, and we decided to create a microfinance organization!

10 Fonds d emprunt Québec! MICROCREDIT! Mutuelle! de microfinance (Québec)! MICROFINANCE! Small loans to people in precarious income situations to help them lead productive or income generating activities that will allow them to grow their business.! Providing a range of financial products (loans, savings, insurance)" to all those who are excluded from the traditional or formal financial system.!

11 Mutuelle de microfinance (Québec)! The Mutual s mission is! to offer financial products and services to individuals who have difficulty gaining access to traditional financial networks, and to establish an assistance and education process aimed at developing their financial autonomy and security.! The Fonds d emprunt Québec s mission! To mobilize investors to provide access to credit and support for low-income people carrying a business plan.! En route to a Microfinance Mutual! An Act to establish Mutuelle de microfinance (Bill 201 passed on 7 December 2012) based essentially of:! Mutual insurance Act! Act respecting trust companies and savings companies!

12 A Québec and Canadian Innovation! Mutuelle de microfinance (Québec)!!Our choice!!a Microfinance Mutual instead of a private company!!!- A collective entreprise!!!- The social and solidarity economy! Advantages of a Mutual for entrepreneurs!!!- Access to an integrated range of services"!!- Have something to say as a member!!!- Greater influence for members!

13 Mutuelle de microfinance (Québec)! La Mutuelle de Microfinance (Québec):! is a legal entity of private law! has its headquarters in the territory of Quebec City! Members! 1. Users of products and services offered by the Mutual, who must purchase a common share ($5)! 2. Any holder of preferred shares of the Mutual having paid over $1,000,000! 3. Le Fonds d emprunt Québec!

14 Mutuelle de microfinance (Québec)! Services! Microcredit! Micro-savings! Micro-insurance! Training Investors! Members! Financial institutions! Private Foundations! Private companies! Other! The next 5 years! $20,000,000 capitalization! More than 1,000 new clients! More than 3,000 loan applications! More than 3,000 jobs created!

15 Mutuelle de microfinance (Québec)! Stages completed:! Pre-start-up!! Private Act adopted December 7, 2012 by Québec s National Assembly! The founding meeting February 20, 2013"!- Election of the Board of Directors;"!-Adoption of the Mutual s by-laws! Documentation and process according to the institution! Technological system" Coming soon! Public launch of the Mutual:!!- The first members;"!- New services;"!- The new image!

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