Project Experience

Moldova

MSE Lending Support to Moldova Agroindbank 2007 – 2009

EFSE provided Moldova Agroindbank (MAIB) with a TA package in order to develop an adequate MSE lending approach for entering micro and small business lending, a market which had only recently been gaining growing significance in Moldova. To this end LFS diagnosed the existing structure of MAIB, its organisational structures, its strategic position in the market, the competition and its lending procedures. Based on this analysis LFS together with the Bank developed an adequate MSE lending technology. Subsequently the lending technology was implemented in more than 20 branches in the three main regions of Moldova. Lending staff was trained in classroom seminars and on-the-job, and a portfolio of MSE loans was built up with two specifically designed products on offer: micro loan and small loan.