Microfinance

A Kixicrédito, operadora de microfinanças em Angola, financiou mais de 400 mil pequenos negócios. Ela completa hoje 13 anos e o seu director executivo faz o balanço ao NJ.

Instituição com um perfil de clientes em que 60% da carteira é constituída por mulheres e 84% surgem organizados em grupos de três a 15 pessoas, a Kixicrédito é, segundo o seu director executivo, uma das apenas quatro sociedades a operar em micro crédito no país além do Banco Sol e BAI Micro- finanças , ainda que se estime estarem constituídas 36. Em entrevista à FORRES. Joaquim Catinda explica a luta que tem desenvolvido, designadamente com o banco central, e prognostica uma revisão de 250% do valor máximo dos empréstimos do micro-crédito.

A informação foi prestada hoje, segunda-feira, em Luanda, pelo director
executivo da Kixi-crédito, Joaquim Catinda, quando falava à imprensa no
final de um encontro com parceiros.

A KixiCrédito completa este mês 10 amos de existência. Para comemorar a data, preve juntar cerca de duas mil pessoas, entre trabalhadores e clientes, no Cine Atlantic nos dias 27 e 28 do mes em curso.

As primeiras 90 casas do projecto habitacional da organização não-governamental Development Workshop (DW), cujas obras iniciaram em Março de 2014, no bairro Quissala, arredores da cidade do Huambo, ficam concluído no mês de Abril deste ano. Esclareceu que das 90 residências, 30 estarão prontas no fim de Janeiro, igual número em Fevereiro e Abril, respectivamente. David Castello fez saber que os interessados em adquirir as casas, avaliadas em um milhão e 500 mil kwanzas, devem aderir ao crédito que está a ser executado em parceria com o programas de micro finanças Kixi-crédito, ou pagando por prestação.

Microcredit clients are often assigned to credit groups with joint liability for loans. But what makes a credit group work well? What credit groups are likely to generate the internal social dynamics needed for group solidarity to form and repayment to happen? This is a matter of both group dynamics and individual characteristics, as some individuais conform more easily to in-group norrns. This brief presents an experiment conducted among rnicrocredit clients in Angola.

Através do Programa de Meios de Vida Sustentáveis (SLP) KixiCrédito, o LUPP tem pilotado, com sucesso, um instrumento sustentável para dar assistência aos pobres economicamente activos para que saiam da armadilha da pobreza. O SLP serve, actualmente, mais de 13.000 clientes nas províncias de Luanda e Huambo – mais do que 60% destes clientes são mulheres, chefes de família que têm que encontrar forma de prover às necessidades das suas famílias.

Presented to the Workshop on Democratization, Civic Strengthening and Human Development Arena, in Sub-Saharan Africa at the Mazingira Institute & Settlement Information Network Africa (SINA) in Nairobi. The Sustainable Community Services Project (SCSP) is a component part of the Luanda Urban Poverty Programme (LUPP). SCSP sets out to pilot a model of basic service provision in an area of the musseques of Luanda, and at the same time create links between the users of these services, the local government and the providers of the services. These two objectives are closely linked: the linkages between the stakeholders are vital for the management and sustainability of the services, as well as being an opportunity for creating space for participative politics (which can contribute to peace-building and democratisation in Angola).

Prepared with support from the following DAI consultants: Jan Schoeman, Nathanael Bourns and Terence Gallagher. The DWA Microfinance Program sees itself as unique in Angola, combining a deep commitment to the peri-urban poor with a commitment to becoming fully sustainable and capable of financing its own growth and expansion of outreach. In November 2002, the DWA Microfinance Program undertook an extensive strategic and business planning exercise involving its coordination committee, management and staff, and including several meetings with selected groups of clients.

Presented by Margaret Jiri at the Southern Africa Capacity Building Regulatory and Supervisory Workshop. Angola is a founding member of SADC. The country has suffered 40 years of war since launch of the independence struggle in 1961 until the ceasefire which ended the civil war between the Government and UNITA in February 2002. The 27 years since independence have been an era of almost continuous internal conflict. Due to the war, agriculture has stagnated and the industrial infrastructure has largely been destroyed. Angola has shifted from being an agricultural producer of diverse commodities to almost complete dependency on oil and diamonds.

This report is based on discussions at the international conference Women's empowerment or feminisation of debt? Towards a new agenda in African microfinance organized by One World Action. The report contributes to the November 2002 meeting of the Micro-Credit Summit Campaign.

O financiamento informal e as estrategias de sobrevivencia economica das mulheres em Angola: a Kixikila no municipio do Sambizanga, Luanda. Em Africa existe uma longa tradicao demonstrativa da utilizacao de esquemas de ajuda mutua, particularment ao nivel da utilizacao rotativa de poupancas e credito por parte de indiciduos que desenvolvement micro actividades economicas, na maior parte dos casos nao totalmente integradas na economia formal.

The target group analysis for the present project focuses on a group of thirty women entrepreneurs from the informal sector working and living in the district of N'Gola Kiluange, which is an urban musseque community in Sambizanga Municipality, located at 8km from the centre of Luanda. Before independence the area was zoned as an industrial district with a low density population. Today the population of the area has grown dramatically and is fuelled by an increasing rate of rural urban migration. The informal sector in N'Gola Kiluange is an important part of community life. Everything from day to day purchases of basic consumer goods to shoe shines to car maintenance to health care is available in the informal market. As yet, there is no precedent, either NGO or governmental for a planned intervention to provide technical assistance, financing or training to improve, develop or support entrepreneurial activities within the informal sector in Angola.