Small Enterprise Programme (SEP)
Small Enterprise Programme (SEP) was initiated to provide loans to small enterprises with growth potential. The programme aims to generate income and create new employment through enterprise development in the rural and semi urban areas of Afghanistan . Creating facilities for small business development is another kind of avenues, which has a lot of opportunities in Afghanistan . The staff members conduct a survey in the community and gather the required information needed to run the programme. At the same time, the staff members make a list of all prospective clients and maintain a register. In this register, the names of potential clients, their addresses, name of the businesses, investment, and a 'probable' amount of SEP loan needed are noted.
Business Sector
Financial assistance is provided to renovate small enterprises such as bakeries, grocery stores, weaving businesses, stationary stores, garments businesses, pharmacies, home appliance delivery stores, agriculture and livestock business, shoe making factories etc.
The main objectives of SEP Programme are to:
- Provide credit facilities and technical assistance to existing businesses whose access to formal financial institutions are limited.
- Provide loan through a simple loan process that encourages rural people to come forward and take loan without delay.
- Provide opportunity to the small/medium enterprises that fall within the working area of the BRAC Afghanistan Micro Finance Programme.
- Motivate small/medium entrepreneurs in the rural and urban areas to do better, thus create job opportunities.
- Provide valuable information about production and marketing products.
- Motivate small/medium enterprises to produce products that are of good quality.
- Provide financial assistance to those individuals, who do not fall in the Micro Finance target group or do not have the access to the formal financial institutions.
Key Features of SEP Loans are:
- Loan range: Afs. 50,000 - 700,000 (US$ 1000~ 14,000)
- Loan products: Credit facilities to small and medium Business entrepreneurs.
- Repayment: Equal monthly installments
- Loan Duration: 1 year
SEP: At a glance as of August, 2011
| Province Covered |
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| Population Covered |
96,390 |
| District Covered |
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| No. of Area Offices |
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| No. of Branch Offices |
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| Members |
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| Borrowers |
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| Cumulative Disbursement |
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| Loan Outstanding |
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