2 godišnji izvještaj 2009 - optimus.CMScms.optimus.ba/Avanti_ApplicationFiles/122/Documents/godisnji... · onima u bankarskom sektoru. NOVE BLAGAJNE KREDITNIH TRANSAKCIJA. 10 godišnji

annual report 2009 godišnji izvještaj 20092

Izdava~: PARTNER MKF, TuzlaZa izdava~a: Senad Sinanovi}Fotografije: Partner MKF, arhiva[tampa: PRINTCOM, TuzlaTira`: 50 komada


Iako je 2009. godina bila godina puna izazovaPartner je godinu po~eo sa implementacijomnekoliko zna~ajnih projekata. Jedan od projekatakoji je obilježio po~etak godine je REGA (RuralEmployment Generation Activity) projekat izoblasti poljoprivrede sa ciljem unaprije|enjavo}arske proizvodnje pod izuzetno povoljnimkreditnim uvjetima. Ovo je projekat koji Partnerimplementira u suradnji sa USAID-om.

Godina je obilježena i otvaranjem nekolikomoderno opremljenih kancelarija sa blagajnamakreditnih transakcija kako bi klijentima pružilikompletnu uslugu na jednom mjestu.

I u ovako te{kim vremenima za finansijski sektor,Partner je zadržao i potvrdio reputaciju dobrogposlodavca, {to je rezultiralo i priznanjem “Zanajposlodavca godine” koju dodjeljuje webportal posao.ba.

Kao odgovor na krizu i sve ve}u zaduènoststanovni{tva, pokrenuta je inicijativa da se osnu-

je Centar za kreditno savjetovanje koji bi imaopreventivnu ulogu u finansijskoj edukacijigra|ana, a tako|er bi imao savjetodavnu funkcijui konkretnu pomo} klijentima banaka i mikro-kreditnih organizacija koji su ve} prezaduèni.Inicijativu je pokrenuo Mi-Bospo, a podràna jenajprije od strane mikrokreditnih organizacijaEkija i Partnera u BiH, od udruènja banaka,Agencije za bankarstvo, Centralne banke,Udruènja za za{titu potro{a~a itd. Ovu inicijativusu finansijski podràli donatori kao {to je IFC,EFSE, Oikokredit te DFID.

Da se savremeno poslovanje mora prilagoditi uvje-tima na trì{tu, i da je Partner kao jedna od rijetkihmikrokreditnih fondacija koja je prepoznalatrenutnu potrebu na trì{tu dokazuje i aktivan pris-tup Partnera prema razvijanju svijesti o osnovnimfinansijskim pojmovima. Kao direktan doprinoseduciranju klijenata, pored redovnih finansijskihedukacija za klijente, Partner je uradio set od 12mjese~nih edukativnih lekcija kako bi klijentimapribliìo pojedine teme iz svijeta mikrofinansija.

UVODNA RIJE^ DIREKTORASenad Sinanovi}

annual report 2009 godišnji izvještaj 2009 5

Even though the year 2009 was full of challenges,Partner has started the year by implementingseveral important projects. One of the projectsthat marked the beginning of the year is REGAproject (Rural Employment Generation Activity),a project in the field of agriculture, with the aimof improving fruit production under veryfavorable credit conditions. This project isimplemented in cooperation with USAID.

The year is also marked by the opening ofseveral modern offices with cashiers in order toprovide clients complete service in one place.

In such difficult times for the financial sector,Partner has kept a reputation of being a goodemployer, which resulted in the award "The BestEmployer of the Year" awarded by the web portalwww.posao.ba for the second year in role.

In response to the crisis and increasingindebtedness of the population, an initiative toestablish the Center for Credit Counseling was

launched. The Center would have a preventive rolein financial education, and would also have anadvisory function and the concrete support tocustomers of banks and microcredit organizationswho are already overindebted. The initiative waslaunched by MI-BOSPO, and is supported bymicrocredit organizations EKi and Partner, andwas also recognized by the Associations of Banks,Banking Agencies, the Central Bank, theAssociation for Consumer Protection, etc. Thisinitiative was financially supported by donors suchas IFC, EFSE, Oikokredit and DFID.

Partner is one of few microcredit organizationswho realized that operations must be adjusted tothe present conditions on the local market. In thatregard Partner has taken an active approach inraising awareness on the basic financial terms.As concrete step in raising awareness activities,besides regular financial education seminars forits clients, Partner has published a set of 12educational lectures in order to simplify topicsfrom the world of microfinances to the clients.

FOREWORD BY DIRECTORSenad Sinanovi}


Partner vidi budu}nost u BiH gdje }e finansijskeusluge biti dostupne svima koji su poduzetni ivoljni za rad.

Na{a uloga }e biti da pomognemo na{imklijentima da po~nu i razviju male poslove, daasistiramo u kreiranju zaposlenja, te da kaoagent promjene doprinesemo zdravoj tranzicijizemlje na trì{nu ekonomiju.

Partner sees a future in BiH where the financeservices will be available to all those who areentrepreneurial and willing to work.

Our role will be to help our clients start up anddevelop small businesses, assist in creation ofemployments, and as an agent of change, tocontribute to the healthy transition of the countryto market economy.

Partner provides finance services to econo-mically active population with either difficult orno access to commercial sources of funding, forstart up and development of business, as well asimprovement of quality of life.

We support micro entrepreneurs, promoteparticipation of women in business and offereasier access to finance services in rural areas.

In the territory of the entire BiH, through door-to-door services, we provide quality loan productsand technical support; help increase of livingstandards, increase employment by encouragingthe transition to a market economy. Anyone whocooperates with us, saves the time and themoney, increases its own security andselfconfidence.

PARTNER’S MISSION

VIZIJA PARTNERA

Partner pruà finansijske usluge ekonomskiaktivnoj populaciji koja ina~e nema pristup ko-mercijalnim izvorima finansiranja, za pokretanjei unapre|enje biznisa i pobolj{anje kvalitetaživota.

Podràvamo mikro i male poduzetnike, promovi-{emo u~e{}e èna u biznisu i nudimo lak{ipristup finansijskim uslugama u ruralnimpodru~jima.

Na teritoriji cijele BiH, uslugom na pragu,pruàmo kvalitetne kreditne proizvode i tehni~kupomo}, pomaèmo rast ìvotnog standarda,pove}avamo zaposlenost podsti~u}i prelazak natrì{nu ekonomiju. Svi koji sara|uju sa nama{tede vrijeme i novac, pove}avaju svojusigurnost i samopouzdanje.

MISIJA PARTNERA

PARTNER’S VISION


Partner Microcredit Foundation and its clientswill benefit from seven newly open cashiers. In2009, the following cashiers were opened:Zenica, Jelah, Bijeljina, Grada~ac, Srebrenik,Kalesija and Banja Luka.

Besides 59 Field Offices in the whole B&H,Partner currently operates through 15 cashiers,at the following locations: Tuzla I, Tuzla II,Sarajevo, Zenica, Br~ko, Doboj, Jelah, Kalesija,Banja Luka, Bijeljina, Gra~anica, @ivinice,Lukavac, Grada~ac i Srebrenik.

Through newly opened modern cashiers, clientswill be able, without commission, to make all kindof cash transfers including payments ofinstallment rates in cash, disbursement of loansin cash i.e. clients will be provided by full serviceat one place.

With introduction of the aforesaid services, Partnerenables clients to conduct all financial transactionsat one place and also to create a good basis fortransfer to a business banking platform.

NEW CASHIERS

Partner mikrokreditna fondacija i njeni brojniklijenti su u 2009. godini postali bogatiji za sedamnovih blagajni kreditnih transakcija. U 2009.godini otvorene se slijede}e blagajne: Zenica,Jelah, Bijeljina, Grada~ac, Srebrenik, Kalesija iBanja Luka.

Pored 59 terenskih ureda koje Partner ima ucijeloj BiH, blagajne su do sada otvorene u 15organizacionih dijelova: dvije blagajne u Tuzli,Sarajevo, Zenica, Br~ko, Doboj, Jelah, Kalesija,Banja Luka, Bijeljina, Gra~anica, @ivinice,Lukavac, Grada~ac i Srebrenik.

U novim blagajnama kreditnih transakcija klijentiPartnera, bez provizije, obavljaju sve aktivnostivezane za podizanje i otplatu kredita u gotovomnovcu, odnosno klijentima se pruža kompletnausluga na jednom mjestu.

Sa otvaranjem savremeno opremljenih poslovnicasa blagajnama kreditnih transakcija uslugegra|anima su sada jo{ potpunije i korak blièonima u bankarskom sektoru.

NOVE BLAGAJNEKREDITNIH TRANSAKCIJA


Partner Microcredit Foundation in cooperationwith USAID began the year 2009 with theimplementation of a new project in the field offruit production. The new line of credit can beused to purchase seedlings of cherries, sourcherries, blueberries, tayberry, raspberries andblackberries.

The new project in Partner, symbolically named”Fruity” is intended to support fruit production inareas that traditionally have the preconditionsfor the development of this branch of agriculture.New vacancies in orchards in this time full ofchallenges are certainly real refreshment andencouragement for the development of this branchof agriculture.

In order to ease the early difficulties in the initialperiod for farmers, Partner has provided graceperiod, that depending on a sort of fruits, startsat 12 months and can be extended up to threeyears for sour cherries and cherries. After a easystart with a grace period, farmers can use theseloans with terms up to 60 months with a veryaffordable annual interest rate of 6,99%.

REGA project will be implemented in the area ofthe whole B&H, with the focus on South-Eastand East Bosnia. The total assets in the amountof app 1 million KM will be placed to farmersduring the period of five years, which is thedesignated duration of the project.

REGA PROJECT

Partner mikrokreditna fondacija u saradnji saUSAID-om zapo~inje 2009. godinu sa impleme-ntacijom novog projekta iz oblasti vo}arstva.Nova kreditna linija se koristiti za finansiranjenabavke sadnica vi{nje, tre{nje, borovnice,tajberija, maline i kupine.

Novim projektom koji je u Partneru simboli~nonazvan “Vo}ko“ namjera je da se podrìvo}arska proizvodnja u krajevima kojitradicionalno imaju preduslove za razvoj ovegrane poljoprivrede. Nova radna mjesta uvo}arstvu u vremenu punom izazova sigurno supravo osvjeènje i poticaj za razvoj ove granepoljoprivrede.

Kako bi u po~etnom periodu vo}ari {to lak{ezapo~eli vlastiti biznis, omogu}en je i veliki grejsperiod koji se u zavisnosti od vrste vo}a kre}e od12 mjeseci za malinu i kupinu pa sve do 36mjeseci za uzgoj vi{nje i tre{nje. Nakon laganogstarta uz prilago|en grejs period vo}ari }e mo}ida otpla}uju kredit i do 60 mjeseci uz povoljnukamatnu stopu od samo 6,99%, godi{nje,obra~unatu na ostatak glavnice.

Projekat REGA se implementira na podru~jucijele BiH, a najintenzivnije u podru~jima sjevero-isto~ne i srednje BiH. Sredstva u ukupnom iznosuod oko 1 milion KM }e se plasirati BH vo}arimau periodu od 5 godina, koliko }e trajati ovajprojekat sa USAID-om.

REGA PROJEKAT


In cooperation with the World Bank, PartnerMicrocredit Foundation has launched a uniqueproject in the world concerning young people.Namely, according to internally conductedmarket research among young people (age 18-30),Partner identified the basic obstacles to youthemployment. Besides the nonstimulatingenvironment, the greatest obstacle to youthemployment, i.e. to establishing their ownbusiness, is the lack of practical knowledge andskills necessary for the conduct of business.After that, Partner contacted the World Bank andMercy Corps, and together they developed aunique project consisting of loan product foryouth, including free business training andmentoring.

Particularly, young people who take the speciallydesigned loan product for youth, shall be offereda possibility to take part in six modules ofpractical business training. Business trainingcontains all key elements necessary for conductand development of their own business, such as:entrepreneurship and entrepreneurial environmentin BiH, business planning, basics of marketing,basics of finance, managing business development,current planning and financial literacy at the timeof crisis. Participants who already completed thetraining, have shown a high level of participationin the training, and were very satisfied with thefinal results. In addition to business training,certain number of young users of Partner loanproducts will be provided mentorship services.

YOUTH LOANS

U suradnji sa Svjetskom bankom Partnermikrokreditna fondacija je pokrenula jedinstvenprojekat u svijetu koji se ti~e mladih ljudi. Naime,prema interno provedenim istraìvanjima trì{tasa mladim ljudima (18 - 30 godina), Partner jeidentificirao osnovne prepreke mladih po pitanjuzapo{ljavanja. Naime, pored nepoticajne sredine,najve}a zapreka mladih prema samozapo{ljavanju,odnosno osnivanju vlastitog biznisa, je nedo-statak prakti~nih znanja i vje{tina potrebnih zavo|enje biznisa. Nakon toga Partner je stupio ukontakt sa Svjetskom bankom i Mercy Corpsomiz ~ije je zajedni~ke suradnje proiza{ao jedinstvenprojekat koji se sastoji od kreditnog proizvoda zamlade ljude sa besplatnim biznis treningom imentorstvom.

Naime, mladim ljudima koji podignu posebno di-zajnirani kreditni proizvod za mlade, pruà semogu}nost da pro|u {est modula prakti~nogbiznis treninga. Biznis trening sadrì sve klju~neelemente potrebne za vo|enje i razvijanje vlast-itog biznisa poput: poduzetni{tvo i poduzetni~kookruènje u BiH, poslovni plan, osnove marke-tinga, osnove finansija, upravljanje rastom biznisai teku}e planiranje i finansijska pismenost u dobakrize. Polaznici koji su ve} pro{li kroz obuku subili veoma zainteresovani za u~e{}e tokomtreninga, ali i veoma zadovoljni krajnjim rezul-tatima. Pored biznis treninga za odre|eni brojmladih korisnika Partnerovih kredita bi}e omogu-}eno i kori{tenje mentorstva.

Projekat je zavr{en uspje{no sa 120 mladih osobakoje su uspje{no zavr{ile biznis trening, i sauspostavljenim i educiranim timom od 15 mentora.

KREDITI ZA MLADE


At the beginning of the year, seeking to improveits social responsibility activities, Partner tookpart in Beyond Codes, a research projectimplemented by MFC. The whole project isdesigned in order to enable identification of keyindicators for measuring the transfer of the basicprinciples into practice through specificactivities of the organization. The project aims toidentify indicators that represent good practiceand are based on the experiences of microcreditinstitutions to operate in a variety of environments.Partner's business practices were subject toaudit by a professional staff of MFC, after whichthe final report was made which determined thatPartner has a high degree of compliance with allof the six main principles of the project, whichare:

1. Preventing client over-indebtedness2. Transparency of prices3. Adequate collection practices4. Ethical behavior of employees5. Claims management mechanisms and

their resolution and6. Privacy of clients' data.

BEYOND CODES

Po~etkom godine, Partner je, èle}i da unaprijedisvoje dru{tveno odgovorno djelovanje, uzeou~e{}e u projektu Beyond Codes, istraìva~komprojektu koji provodi MFC. Cijeli projekat jedizajniran na na~in da se odrede klju~ni indikatoriza mjerenje preno{enja osnovnih principa upraksu kroz specifi~ne aktivnosti organizacije.Cilj projekta je identifikovati pokazatelje kojipredstavljaju dobre prakse i koje su bazirane naiskustvu mikrokreditnih institucija da posluju urazli~itim okruènjima. Partnerove poslovneprakse su bile predmetom revizije od stranestru~nog osoblja MFC-a, nakon ~ega je sa~injenkona~ni izvje{taj na osnovu kojeg je ustanovljenoda Partner ima visok stepen po{tivanja 6 glavnihprincipa projekta, a to su:

1. spre~avanje prezaduènosti klijenata,2. transparentnost cijena,3. adekvatne prakse naplate,4. eti~ko pona{anje zaposlenika,5. mehanizmi za upravljanje àlbama i

njihovo rje{avanje i6. privatnost podataka klijenata.

BEYOND CODES


Partner MCF has financially supported, andactively participates in the project of MercyCorps Scotland, known as Support to Socio-Economic Reintegration of Mine Survivors bycreating new workplaces within communitieswith significant levels of minority return. PartnerMCF, as socially responsible foundation, hasrecognized mine survivors as extremelly vulnerableand marginalized population, and thereforedecided to support the project aimed atimproving the quality of life for as many minesurvivors possible.

Partner's cooperation in this project is primarilyreflected in adjustments of employmentprocedures in Partner and equal opportunitiesfor all, where priority is given to persons withdisabilities, in order to reach legally stipulatedemployment percentage for the aforementionedpopulation. Partner is also involved in creating aspecial loan product intended for persons withdisabilities that will be adjusted to their specialneeds. Furthermore, Partner will be engaged inraising awareness of employers throughout themicrofinance sector.

The project of Mercy Corps Scotland is aimed toprovide special encouragement to mine survivorsto continue with normal life and become fullyintegrated in the society. The purpose of mineaction is not only demining, but also the sanationof all problems caused by mines.

SUPPORT TO LANDMINE VICTIMS

Partner MKF je finansijski podràla, i aktivnou~estvuje u projektu Mercy Corps Scotlanda podnazivom Podr{ka socioekonomskoj reintegracijipreìvjelih `rtava mina kroz otvaranje radnihmjesta u zajednicama sa zna~ajnim stepenommanjinskog povratka. Partner MKF je kaodru{tveno odgovorna fondacija prepoznala `rtvenastradale u minskim incidentima kao izrazitoranjivu i marginaliziranu populaciju i nov~animsredstvima je odlu~ila dati podr{ku projektukojim se poku{ava za {to ve}i broj `rtava minapobolj{ati kvaliteta ìvota.

Suradnja Partnera u ovom projektu se ogledaprvenstveno u prilago|avanju procedura zazapo{ljavanje u Partneru sa jednakim mogu-}nostima za sve, ali i za prednost premaosobama sa invaliditetom sa ciljem dostizanjazakonski predvi|enih procenata zapo{ljavanjapomenute populacije.

Projektom Mercy Corps Scotlanda èli seomogu}iti poseban poticaj `rtvama mina kako binastavili sa normalnim ìvotom i u potpunosti seintegrirali u dru{tvo. Svrha protuminskogdjelovanja nije samo razminiranje nego i sanacijaproblema nastalih minskim djelovanjem na ìvoteljudi.

PODR[KA NASTRADALIMAOD MINA


Partner Microcredit Foundation has offered amass direct support to the project “VolunteerFinancing 2009“, traditionally organized onOctober 9, on the occasion of the so called“Social day“, in cooperation with CitizensAssociation Infohouse. The goal of this-yearsVolunteer-Financing social day had threepurposes:

- Education of students on project management- One day employement all over the country in

companies that pay 15 KM per diem per pupil which goes to the joint project fund.

- Award for student's projects from the fund

100 volunteers – students had an opportunity tobe introduced to the mission of PartnerMicrocredit Foundation in person and to seewhat an ordinary working day in one of theleading microcredit foundations in BiH looks like.Partner hosted volunteers – pupils from 14 townsin BiH, in its offices throughout the BiH network.

PARTNER SUPPORTS VOLUNTEERISM

Partner mikrokreditna fondacija dala je najmaso-vniju direktnu podr{ka projektu “Volontiraj-kreditiraj 2009“ koji se obiljeàva tradicionalno9. oktobra povodom socijalnog dana u saradnjisa UG Infohouse. Su{tina projekta VOLONTIRAJ-KREDITIRAJ i ove godine je bila trojaka:

- edukacija u~enika na temu Project Manage-menta, zatim

- zapo{ljavanje u~enika NA JEDAN DAN kodposlovnih subjekata {irom zemlje koji uplate dnevnicu od 15,00 KM po u~eniku koja ide u fond projekta i

- dodjela nagrada iz tog fonda za u~eni~ke projekte.

100 volontera-u~enika je imalo priliku da seupoznaju sa misijom Partner mikrokreditnefondacije uìvo ali i da na licu mjesta vide kakoizgleda jedan prosje~an radni dan u jednoj odvode}ih BiH mikrokreditnih fondacija. Partner jeugostio volontere-u~enike iz 14 BiH gradova usvojim uredima {irom mreè svojih BiH predsta-vni{tava.

PODR[KA VOLONTERIZMU


In the 2009, Partner has decided to provide Newyear gifts for youngsters exclusively from theorganization “Buy and Use Domestic“. Gifts weredistributed to the employees' children but also tosocially endangered children from Tuzla as a partof the project “One candy one child“.

Gifts were aimed at children evidenced at theCenter of Social Affairs, children in fostersfamilies and children with diabetes mellitus andcoeliac disease. By consuming sweets from thedomestic production children have theopportunity to try domestic products and judgethe quality by themselves.

The usage of the domestic products is crucial forgrowth of domestic economy. This way, childrencan learn about things which are important fortheir future in a fun way. Usage of domesticproducts results in a stronger economy, moremoney in the state budget available for differentsocial and health projects, reduction of povertyand opening of new work places.

ONE CANDY, ONE CHILD

Partner se u 2009. godini odlu~io da podijelipaketi}e za mali{ane isklju~ivo iz programa orga-nizacije “Kupujmo-koristimo doma}e“. Paketi}isu distribuirani kako djeci zaposlenika tako isocijalno ugroènoj djeci iz Tuzle u sklopu akcije“Jedan slatki{, jedno dijete”.

Paketi}i su prije svega bili namjenjeni djeci kojase nalaze na evidenciji Centra za socijalni radTuzla, djeci sa posebnim potrebama, djeci kojase nalaze u hraniteljskim porodicama, te djecioboljeloj od celijaklije i diabetes mellitus.Konzumiranjem paketi}a sa sadràjem doma}ihproizvoda djeca imaju priliku da se direktnoupoznaju sa proizvodnim asortimanima doma}ihproizvo|a~a i sami ocijene kvalitet proizvoda.

Kori{tenje proizvodnih asortimana doma}ihproizvo|a~a je od presudnog zna~aja za razvojdoma}e privrede i o~uvanje radnih mjesta. Djecana zabavan na~in u~e o stvarima koje su korisneza njihovu budu}nost. Kori{tenje doma}ihproizvoda zna~i sna`na bh. privreda, punijidràvni budèt iz kojeg se izdvajaju sredstva zasocijalne i zdravstvene fondove, smanjenjesiroma{tva i otvaranje novih radnih mjesta.

JEDAN SLATKI[, JEDNO DIJETE


At the beginning of 2009, Partner MCF wasinvited to participate in competition for SocialPerformance Reporting Award or award forreporting on social indicators and fulfillment ofthe social mission. This competition wassponsored by CGAP, DELL Foundation, FordFoundation and Mix Market, and over 1300microfinances institutions world wide receiveda call for participation, or they were allowed toparticipate. The information to be delivered forthis competition was in the scope of:

• mission and social objectives,• range of products and services offered to the

clients,• insentive system created to support social

performance,• market and client research,• measuring and monitoring of clients that stay

in the program,• Estimates of the clients’ poverty level and their

life standard,• Social responsibility toward clients (through

smart borrowing practices), employees, local communities in which Partner operates etc.

After the requested information were deliveredand reviewed by the authorized commission,Partner was awarded “Silver Award“ for submittedSP indicators and the fulfillment of its mission.

SOCIAL PERFORMANCESILVER AWARD

Po~etkom 2009. godine, Partner je dobio poziv dau~estvuje u konkursu za “Social PerformanceReporting Award“ ili nagradu za izvje{tavanje popitanju socijalnih indikatora i ispunjenja socijalnemisije. Ovaj konkurs je sponzorisao CGAP, DELLFoundation i Ford Foundation, kao i Mix Marketa preko 1300 mikrofinansijskih institucija {iromsvijeta je dobilo poziv za u~e{}e odnosno dobilisu mogu}nost da u~estvuju. Podaci koji su se uokviru ovog konkursa trebali dostaviti su seodnosili na:

• misiju i socijalne ciljeve,• paletu proizvoda i usluga koje nudimo

klijentima,• sistem nagra|ivanja zaposlenih koji podràva

socijalne u~inke,• istraìvanje trì{ta i klijenata,• mjerenje i pra}enje klijenata koji ostaju u

programu,• procjena nivoa siroma{tva klijenata i njihovog

ìvotnog standarda,• dru{tvena odgovornost prema klijentima (kroz

prakse odgovornog zaduìvanja), prema zaposlenima, lokalnim zajednicama u kojima djelujemo i radimo, okruènju i sl.

Nakon dostavljanja traènih podataka i revidi-ranja od strane ovla{tene komisije, Partneru jedodijeljena “Srebrena nagrada“ za dostavljeneSP indikatore i ispunjenje misije.

SOCIAL PERFORMANCESILVER AWARD


In April 2009, Partner was contacted by MF(MicroFinance) Transparency, a global initiativefor fair and transparent pricing withinmicrofinance industry. The idea behind thisplatform is to promote those MFIs which havetransparently published interest rates for theirproducts. The vision of this platform is that themicrocredit sector become a healthy market,where clients would be able to decide on theirborrowing on the basis of all informationtransparently published.

Since transparency is one of its proclaimedvalues, Partner has made a decision to accessthis platform and submitted information on allcurrently available loan product, including allterms and conditions. The fact that Partner wasone of the first institutions to support thisinitiative was announced by EMN Network(European Microfinance Network). MF Transpa-rency is the international non-governmentalorganization, founded in 2008, with the purposeto facilitate market transparency throughdistribution of accurate information on expen-ditures to all interested parties.

MF TRANSPARENCY

U aprilu 2009. godine, Partner je kontaktiran odstrane MF (MicroFinance) Transparency,globalne inicijative za fer i transparentnoprikazivanje cijena usluga za mikrofinansijskuindustriju. Ideja ove platforme je da javnopromovi{e one mikrofinansijske institucije kojesu transparentno objavljivale kamatne stopesvojih proizvoda. Vizija ove platforme je da sektormikrofinansiranja bude zdravo trì{te u okvirukojeg }e klijenti mo}i na osnovu svihtransparentno objavljenih informacija donijetiodluku o zaduìvanju.

Budu}i da je jedna od Partnerovih proklamovanihvrijednosti upravo transparentnost, Partner jedonio odluku da pristupi ovoj platformi tedostavio podatke o kreditnim proizvodima sasvim uslovima, koje trenutno imamo u ponudi.Informaciju o tome da je Partner jedna od prvihinstitucija koja je podràla ovu inicijativu objavilaje i EMN mreà (Evropska mikrofinansijskamreà). MF Transparency je me|unarodnanevladina organizacija formirana 2008. godine sasvrhom da fasilitira transparentnost trì{ta krozdistribuciju istinitih informacija o tro{kovima svimzainteresiranim stranama.

MF TRANSPARENCY


PRIZE COMPETITIONPROMOCIJA NAGRADNA IGRA

From July 1, to December 1, Partner has plannedto organize the third prize competition for itsclients, called “Your partner for better life“. Thenewest prize competition is intended for theusers of the newest “Autumn Loan“.

“Autumn Loan“ has been designed to helpclients overcome the short-term and seasonalinsolvency before the beginning of autumn, aswell as to improve clients' quality of life. Thebeginning of each autumn carries certainchallenges in terms of procurement of schoolmaterial for the youngsters, fuel, chainsaws , andnew computers for school children.

Partner has provided a large number of awardsfor the most lucky clients: these are exclusivelycommodity awards and awards intended forspecific purposes, including the alreadymentioned new loan product . Some of them are:solid fuel stove and fireplace, wood storagesheds, laptop, computer table and chairs,chainsaws with equipment set and many other.

Od 1. jula do 1. decembra Partner je priredio zasvoje klijente tre}u nagradnu igru. Nagradna igraje nazvana “Va{ partner za bolji ìvot“. Najnovijanagradna igra je prire|ena za korisnike “Jese-njeg kredita“.

Jesenji kredit je bio dizajniran za klijente u ciljulak{eg prevazilaènja kratkoro~ne i sezonskenelikvidnosti pred jesenju sezonu kao i radipobolj{anja kvaliteta ìvota klijenata. Svakipo~etak jeseni sa sobom nosi i odre|ene izazoveu pogledu nabavke {kolskog materijala zanajmla|e, ogrjeva i motornih pila te novihra~unara za {kolsku djecu a upravo to je bilanamjena jesenjeg kredita.

Partner je obezbijedio i veliki broj nagrada zanajsretnije klijente: nagrade koje su podijeljeneklijentima su isklju~ivo robne i namjenskogkaraktera kao i ovaj novi kreditni proizvod a me|ubrojnim isti~emo, pe} i kamin na ~vrsto gorivo,monta`na ostava za drva, laptop, sto i stolice zara~unar, motorne pile sa setom opreme i mnogedruge.


For the second year in role Partner MicrocreditFoundation has selected for one of the bestemployers of the year by users of web portalwww.posao.ba.

In the time of recession and financial crisis that,as a torrent is sweeping away workplaces, tokeep the trophy of the most desirable employerin the sector represents a great challenge forPartner.

Taking in consideration that poles valuatedemployers by salaries, benefits, businessreputation, relationship towards its employeesand social responsibility the results of theresearch showed that the increasing numbers ofdomestic companies are finding their place onthe labour market and that the successful resultsin above mentioned areas speak for themselves.

EMPLOYER THATATTRACTS EMPLOYEES

Drugi put zaredom, Partner mikrokreditnafondacija je izabrana od strane korisnika portalaposao.ba za jednog od najpoèljnijih poslodavcaza 2009. godinu.

U vrijeme recesije i finansijske krize koja poputbujice odnosi radna mjesta, zadràti trofejnajpoèljnijeg poslodavca u sektoru je bio velikiizazov za Partner.

Imaju}i u vidu da su ispitanici cijenili poslodavcepo pitanju sigurnosti plata, visini plata i bene-ficija, poslovnom ugledu, odnosu poslodavcaprema zaposlenim, te dru{tvenu odgovornostposlodavaca, rezultati istraìvanja su pokazali dasve ve}i broj uspje{nih doma}ih kompanija nalazisvoje mjesto na trì{tu rada te da uspje{nirezultati i aktivnosti u gore navedenim katego-rijama govore sami za sebe.

POSLODAVAC KOJIPRIVLAÎ KADROVE


BILANS USPJEHA / INCOME STATEMENT 31.12.2009.

Prihodi od kamata i provizija / Interest and fee income 30.426.577Rashodi od kamata / Interest expense - 8.835.111Neto prihod od kamata i provizija / Net interest and fee income 21.591.466Operativni tro{kovi / Operating expenses -12.913.554Ostali poslovni prihodi / Other operating income 222.286Ostali poslovni rashodi / Other operating expenses -223.180Dobici / (gubici) po osnovu kursnih razlika, neto / Foreign exchange gains, net 2.340Neto operativni tro{kovi / Net operating expenses -12.912.108

VIŠAK PRIHODA NAD RASHODIMA PRIJE REZERVISANJA ZA umanjenjevrijednosti kredita / Excess of income before provision for loan loss

8.679.358

Tro{ak rezervisanja za umanjenje vrijednosti kredita -10.845.507

VIŠAK PRIHODA NAD RASHODIMA / Excess of income over expenses -2.166.149

BILANS STANJA / BALANCE SHEET 31.12.2009.

IMOVINA / ASSETSNovac i nov~ani ekvivalenti / Cash and cash equivalents 16.496.930Depoziti / Deposits 15.692.067Neto krediti dati klijentima / Loans to clients, net 127.196.931Ostala imovina / Other assets 192.670Nekretnine i oprema / Property and equipment 13.184.611

Ukupna imovina / Total assets 172.763.209

OBAVEZE / LIABILITIESObaveze za kredite / Commercial loans liabilities 99.262.400Obaveze za subvencionirane kredite / Subsidised loans liabilities 31.758.994Ostale obaveze / Other liabilities 500.724Rezervisanja / Reservations 312.730

Ukupne obaveze / Total liabilities 131.834.848

NETO IMOVINA / NET ASSETSNeto imovina / Net assets 43.094.510Vi{ak prihoda nad rashodima / Excess of income over expenditures - 2.166.149Ukupno neto imovina / Total net assets 40.928.361UKUPNE OBAVEZE I NETO IMOVINA / TOTAL LIABILITIES AND NET ASSETS 172.763.209

FINANCIAL REPORTFINANSIJSKI IZVJE[TAJ




