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Assessing the viability of a rural microfinance network: the case of FONGS Finrural

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par Oniankitan Grégoire AGAI
Solvay Brussels School of Economics and Management, Université Libre de Bruxelles - Advanced Master in Microfinance 2012
  

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MASTER'S THESIS

Submitted in partial fulfillment of the requirements for the degree of Master Complémentaire Conjoint en Microfinance (European Microfinance Programme)

Assessing the Viability of a Rural Microfinance Network: The Case of FONGS FINRURAL

By Oniankitan Grégoire AGAÏ

Supervisor: Mr. Kurt MOORS

Assessor: Professor Marijke D'HAESE

Internship organization: Fédération des Organisations Non Gouvernementales du Sénégal

Academic year 2011-12

MASTER'S THESIS

Submitted in partial fulfillment of the requirements for the degree of Master Complémentaire Conjoint en Microfinance (European Microfinance Programme)

Assessing the Viability of a Rural Microfinance Network: The Case of FONGS FINRURAL

By Oniankitan Grégoire AGAÏ

Supervisor: Mr. Kurt MOORS

Assessor: Professor Marijke D'HAESE

Internship organization: Fédération des Organisations Non Gouvernementales du Sénégal

Academic year 2011-12

Dedication

This thesis is dedicated to:

my daughter Eyitayo Hillary Stella Achène

her grand brother Yamontè Donald

their mum, my spouse Yaba Fousséna Sandrine-Ruth

my mother Rose

my father Dominique

Foreword

The present study was effectuated in conditions of MFIs professionalization in West African countries. This region is peculiarly renown as holding a relatively impressive number of savings and credit cooperatives and unions. The current regulation in UMOA zone avoids the use of the term MFI. Throughout this paper, the terms DFS, savings and credit cooperatives, savings and credit mutuals, savings and savings associations will be used interchangeably.

The findings, interpretations and conclusions uttered in this thesis do not necessarily reflect the orientation of the Université Libre de Bruxelles or the Fédération des Organisations Non Gouvernementales du Sénégal.

Acknowledgments

Foremost, I thank God, the Divine Maker and the Almighty for his mercy and for his love toward me. May his Name Thrice Holy be blessed and glorified everywhere and forever.

I am grateful to the Commission Universitaire pour le Développement (CUD) which provided me full scholarship to pursue this programme. It was for me a great and special opportunity to meet and share with various and diversified nationalities and intelligences.

In the same vein, I am grateful to Mr. Kurt Moors, my thesis supervisor, who provided me all the advices and comments in order to perform this work. I am grateful to him for providing me the Echos(c) tool of Incofin for the social performance analysis.

I am also grateful to Mr. Axel de Ville with whom I had my first temptations for identifying the topic and writing the first proposal and bibliography. I thank him for orienting me in a good manner possible in order to obtain good results.

I am fully indebted toward all my EMP teachers for providing me insights on the microfinance field and for opening my mind on critical issues in the industry and challenges for future.

I am sincerely grateful to all my managers for allowing me to follow and complete this course. May each of them sees through this thesis the product of their work.

I am grateful to SOS Faim for providing me the internship within the FONGS. Particularly I thank François Cajot for his solicitude.

I am grateful to the FONGS, my host institution for accepting me and providing me useful information regarding the goals of this thesis. Particularly, I am grateful to Habidine Sow, Aïcha Faye, and Masse Gnigue with whom I spent marvellous moments in Thiès.

I cannot forget the camaraderie of all the EMP students with whom I followed the programme. Particularly I wish to mention Li, Firog, Muluneh, Luhana, Peter, Roopa, Charleine, Sonia (mi capo), Victoire (my twin in Senegal), Marie, Davide (my class neighbour), Natalia, Tomas, Alicia, Hervé, Pierre, Maxime, Selassie, Le, Marco, Patrick (the American), Fatimata, Stephane, John, Gabrielle etc.....

I thank all my parents, relatives and friends who supported me during my stay in Brussels.

How can I forget you Fousséna, Stella and Donald for your sacrifice? I am fully aware that it was not easy; but if I have reached the goal, it is mainly due to your love and your perpetual support. Thank you for you love, your support and the sacrifice.

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