Development of the strategic plan for Zitouna Tamkeen for the period 2023-2027

Support the development of financing of Green projects

Client

Zitouna Tamkeen

Period

02/2021 – 07/2021

Country

Tunisia

Project description and context

Zitouna Tamkeen (ZTM) is a microfinance institution established in 2016, operating in the field of microfinance with the aim of contributing to the financial and economic inclusion of disadvantaged populations by adopting an economic empowerment approach through Islamic finance.

As part of the review of its strategy and the development of its business plan for the period 2023-2027, Zitouna Tamkeen has entrusted a consortium, of which our firm is a member, with the mission of defining its strategic plan for the period 2023-2027.

This mission includes:

  • Internal diagnosis of the company
  • External diagnosis integrating both qualitative and quantitative market research, as well as a brand assessment and customer satisfaction study
  • Definition of the mission, strategic axes, and project portfolio
  • Definition of the target organization

Development of the business plan over a 5-year period.

Work carried out by AMEF Consulting

  • Diagnosis of the policy and commercial offering
  • Management and implementation of a quantitative and qualitative market study
  • Management and implementation of a brand assessment and customer satisfaction study
  • Participation in defining the mission, objectives, and strategic development axes
  • Development of the new Marketing and Commercial strategy of the company
  • Participation in defining projects for the strategic plan
  • Contribution to the development of the business plan over a 5-year period
Back to Projecs
Portfolio Categories:

Green Finance Risk Management 


Support the development of financing of Green projects

Support the development of financing of Green projects

Client

4 Retail Banks

Period

02/2021 – 07/2021

Country

Tunisia

Project description and context

In order to support the objectives of the Government of the Republic of Tunisia in terms of ecological transition, the French Development Agency (AFD) finances, with the support of the European Union (EU), the SUNREF Tunisia program which aims to promote the implementation of public policies in terms of energy transition and environmental protection by contributing to the deepening and consolidation of the emerging market for green financing at the national level.

In this context, AMEF Consulting was selected to participate in the implementation of the technical assistance program in favor of 4 Tunisian banks for the development of their green project financing activity. (Energy Efficiency, Renewable Energy & environmental protection) through:

  • Internal capacity building in terms of study techniques and financing of green projects (Project Finance approach)
  • Internal capacity building in terms of study techniques and financing of green projects (Project Finance approach)

Work carried out by AMEF Consulting

  • Document review and analysis of collected data
  • Organizing mission scoping meetings with each partner bank
  • Organization and animation of several workshops with partner banks on several topics
    • The market and the institutional framework for green projects
    • The green project financing approach based on project cash flow (Project Finance)
    • Analysis and framing of the financing risks of green projects
    • Financing structuring of green projects
    • The green finance marketing strategy
    • The development of specific products for project financing
  • Development of the green project financing policy and its implementation tools
  • Definition of specific financing products for green projects


Back to Projecs

Portfolio Categories:

Green Finance Risk Management 


Capacity building of a leasing company

Capacity building of a leasing company

Client

Leasing company

Period

09/2020 – 10/2021

Country

Georgia

Project description and context

Technical assistance to a Leasing company (Georgia) in the management of the Covid-19 crisis:
1. Information and training for SME clients on topics related to managing their business in the context of the COVID-19 crisis
2. Risk Management Training for the leasing company’s Teams
3. Coaching of the Leasing company’s management team in the strategic management of the company in a crisis and post-crisis context
This mission was funded by FMO (Dutch Development Bank) and carried out in support of a European partner.

Work carried out by AMEF Consulting

  • Support the development of content for 4 SME client webinars on business management topics in a COVID-19 crisis:
    – Crisis management
    – Management of the volatility and currency forecast
    – Staff management during the crisis
    – Funding strategy
  • Training of the Leasing company staff on risk management and in particular on the following topics:
    – Funding File Review Process and Approach
    – Credit Scoring and Portfolio Management
    – Funding strategy and fundraising
  • Coaching the leasing company  Top Management on the strategic management of their company in a Covid-19 crisis and the recovery of business after the crisis.
Back to projects
Portfolio Categories:

Risk Management 


Development of the institution capacity in SME Finance

Development of the institution capacity in SME Finance

Client

4 banks & 3 leasing companies

Period

04/2019 – 03/2023

Country

Tunisia

Project Context and Description

As part of an international consortium, AMEF Consulting has been retained by the German Development Bank KFW, to support 4 Tunisian banks  and 3 Tunisian leasing companies in the development of financing for VSMEs.

A line of credit of up to EUR 140 million has been made available to these seven partner financial institutions (PFI) to promote access to finance for this market segment.

The credit line is accompanied by a technical assistance program structured around three components:

  • Component 1: “Technical assistance to PFIs”
  • Component 2: “Technical assistance to the Central Bank of Tunisia (BCT) in the management of the credit line”

Component 3: “Non-financial services to VSMEs”

Work Done by AMEF Consulting

  • Participation in the coordination of the entire program
  • Diagnosis of IFPs and the organization of the VSE-SME segment for the definition of the various projects to be implemented as part of this support measure
  • Market study and proposal of a positioning and a development strategy on the VSE-SME segment
  • Review and development of the methodology for evaluating loans to VSEs and SMEs (methodology based on cash flows)
  • Review and improvement of financing and credit recovery processes
  • Determination of a marketing strategy and operational plan, including Digital Marketing, and of the commercial approach for the VSE / SME segment
  • Support for the definition and implementation of Environmental and Social Management Systems (ESMS) in accordance with international standards
  • Development of asset / liability management (ALM) and its tools, and the establishment of an ALCO committee
  • Diagnosis of information systems (IS)
  • Support for the management of the KfW credit line and preparation of its reporting.
Back to Projects
Portfolio Categories:

MSME Financing Risk Management