HORUS built its expertise in the financing of micro, small & medium-sized enterprises through its experience as a consultant and as a manager of financial institutions.
Our specific areas of expertise are:
Design of financial products and services for MSMEs
Development and refinement of MSME lending methodologies: loan appraisal, risk mitigation mechanisms, loan monitoring, recovery and bad debt management
Marketing, promotion, distribution channels, and organizational set-up to serve MSME markets
Sector analysis and program design to support the development of MSME finance
MSME Finance: Downscaling & Upscaling Programs
Technical assistance to Société Générale Benin (SGB) in its “downscaling” towards MSMEs (EU financing, Société Générale Bénin, 2016).
Management of the German-Romanian Fund multi-bank downscaling program (KfW – Romanian Ministry of Finance, 2003-2010).
Technical assistance for BNDA (Mali) in implementing its diversification strategy, through setting up and developing a dedicated SME business line (KfW, AFD, 2005-2012).
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