APPENDICESACRONYM NAME, LOCATION DATENIRDHANNOANyésigisoOscusPADMEPAMÉCASPortosolPride VitaGuineaPRIDE TZPRIDE UGPRODEMProEmpresaProMujerRFFRSPISagrarioSartawiSATNirdhan Utthan,NepalNOA,CroatiaRéseau Nyésigiso,MaliCooperativa Oscus Ltda.,EcuadorAssociation pour laPromotion et l’Appui auDéveloppement desMicroEntreprises,BeninProgramme d’Appui auxMutuelles d’Epargne et deCrédit au Sénégal,SenegalPortosol,BrazilPride Finance Guinea,Republic of GuineaPromotion of RuralInitiatives andDevelopment Enterprises,TanzaniaPromotion of RuralInitiatives andDevelopment Enterprises,UgandaFundación para laPromoción y Desarrollo dela Microempresa,BoliviaEDYPME ProEmpresa,PeruProMujer,BoliviaRural Finance Facility,South AfricaRangtay Sa PagrangayInc.,PhilippinesCooperativa El Sagrario,Ltda.,EcuadorServicio Financiero Rural,Fundación Sartawi,BoliviaSinapi Aba Trust,GhanaDATAQUALITYRATINGDESCRIPTION OF MICROFINANCE PROGRAM06/99 A Nirdhan is an NGO founded in 1991. It is a Grameen replicateproviding credit and deposit services to the poor. Both compulsoryand voluntary deposits services are offered. The NGO hastransformed into Nirdhan Utthan Bank Limited in July 1999. It is amember of the CASHPOR network.12/98 B NOA, an affiliate of Opportunity International, was started in 1997 toprovide individual and group loans to self employed persons inagriculture and small businesses.12/99 A Established in 1990 as a credit union, Nyésigiso offers credit andsavings services to both men and women in urban and rural areas ofMali. It is a member of the Development International Desjardinsnetwork.06/99 AAA Oscus is a credit union in Ecuador, and it participates in WOCCU’stechnical assistance program. Oscus offers both credit and voluntarysavings services to members.06/99 AAA PADME is an NGO working in urban and peri-urban areas of Benin.It offers loans to small and microenterprises, and was founded in1993.12/99 A Pamécas was established as a credit union in 1996. It offers a widerange of savings and credit services, primarily to women, usingindividual, solidarity and village banking products in urban and periurbanSenegal. It is a member of the Development InternationalDesjardins network.06/99 AAA Portosol is an NGO operating in Porto Alegre in Brazil. It offersindividual loans to microentrepreneurs and was founded in1996.12/98 AAA Pride Vita (or Pride Finance) works primarily in urban and semiurbanareas of Guinea and was founded in 1991.12/99 A PRIDE offers microcredit in urban and semi-urban areas ofTanzania. It was founded in 1993.12/98 A PRIDE in Uganda was started in 1996. It provides microloans toborrowers organized as groups in urban and semi-urban areas ofUganda.12/99 B PRODEM began in 1986 as an NGO offering group loans to urbanmicroenterprises, and was the precursor to BancoSol. When itsurban portfolio was passed to BancoSol in 1992, it began to developa new clientele in rural areas in Bolivia.12/99 A ProEmpresa, formerly the IDESI network, is now operating as aformal financial institution in Peru.12/99 A ProMujer Bolivia was founded in 1991, to provide training and creditto predominantly women clients.03/99 AAA RFF is a non-profit organization offering microcredit in rural areas ofSouth Africa. The institution also operates a separate housing loanprogram for salaried employees. RFF’s microcredit program wasestablished in 1993.12/98 A RSPI, an Opportunity International partner, lends primarily to selfhelpgroups in the Cordillera and Iloco regions of the Philippines.06/99 AAA El Sagrario is a credit union in Ecuador, and participates inWOCCU’s technical assistance program, begun in 1995. It offersboth credit and voluntary savings services to members.12/98 A Fundación Sartawi offers group credit to producers and othermicroenterprises in rural areas of Bolivia. The credit program hasoperated in its current form since 1990.12/98 B The Sinapi Aba Trust is a member of Opportunity International, andoffers individual and group loans both in rural and urban areas ofGhana. It was founded in 1995.64 <strong>MICROBANKING</strong> <strong>BULLETIN</strong>, SEPTEMBER 2000
APPENDICESACRONYM NAME, LOCATION DATESEEDSSEFSHARESUNRISETonantelTSPITulcánUNRWAUWFTVivacredWAGESWR HondurasWVBSarvodaya EconomicEnterprises,Sri LankaSmall EnterpriseFoundation,South AfricaSociety for HelpingAwakening Rural poorthrough Education,IndiaSUNRISE SarajevoBosnia and HerzegovinaCooperativa Tonantel,GuatemalaTSPI DevelopmentCorporation,PhilippinesCooperativa Tulcán, Ltda.,EcuadorUnited Nations ReliefWorks Agency,GazaUganda Women’s FinanceTrust,UgandaVivacred,BrazilWomen and Associationsfor Gain both Economicand Social,TogoWorld Relief Honduras,HondurasWorld Vision,BosniaDATAQUALITYRATINGDESCRIPTION OF MICROFINANCE PROGRAM03/99 B SEEDS was established in 1987 to provide loans for employmentcreation and increasing standard of living, to mobilize depositsthrough compulsory and voluntary savings programs and to providelife and natural disaster insurances.06/99 AAA SEF is an NGO working in the Northern Province of South Africa. Itworks with a Grameen methodology to provide loans to rural women,and was founded in 1991.03/99 AAA SHARE lends to women in rural areas of Andhra Pradesh in India. Itis a member of the CASHPOR network.12/99 B SUNRISE is a NGO founded in 1997 to provide individual credit tostart-up and established micro enterprises. It is financed by theLocal Initiatives Department of the World Bank that aims to improveaccess to credit to the poor to promote economic reconstruction.09/99 AAA Tonantel is a member of the FENACOAC credit union federation,and participated in WOCCU’s technical assistance program inGuatemala. It offers loans and savings services to its members.06/99 A TSPI operates in urban and semi-urban areas of the Philippines,offering group loans to microenterprises. It was founded in 1981 andis affiliated to the Opportunity Network, the MicroFinance Networkand CASHPOR, among others.06/99 AAA Tulcán is a credit union in Ecuador, and participates in WOCCU’stechnical assistance program, begun in 1995. It offers both creditand voluntary savings services to members.12/99 B The Income Generation Program of UNRWA lends tomicroenterprises and small businesses in Gaza. It began operationsin 1991.12/99 A Uganda Women’s Finance Trust offers solidarity group and individualloans to women in Kampala and district towns of Uganda. It is anaffiliate of Women’s World Banking.06/99 AAA Vivacred is an NGO operating in Rio de Janeiro in Brazil. It offersindividual loans to microentrepreneurs, and was founded in 1997.12/99 A WAGES serves women in Lomé and surrounding areas, workingwith borrowers’ associations in a village-banking type methodology.It was founded in 1994.09/99 B World Relief, Honduras was founded in 1981 as a NGO. It is part ofCOVELO network and network of NGOs FODIPREH. It offers a mixof individual, solidarity and village banking loan products to women inurban and semi-urban areas in Honduras.09/99 A Founded in 1996 as an affiliate of World Vision, the NGO providesindividual and group loans to self-employed small andmicroentrepreneurs.Note: Sources for macroeconomic country data are the IMF, International Financial Statistics and the World Bank, World DevelopmentIndicators, unless otherwise indicated.<strong>MICROBANKING</strong> <strong>BULLETIN</strong>, SEPTEMBER 2000 65