PRESENTATION

1 | october 2011 | Presentation of Entrepreneurs du Monde

who we areWho?Since 1998, Entrepreneurs du Monde, a French not-for-profit organisation, has been working in developing countries to help the most impoverished families launch or develop small businesses.

Why?In the slums of these countries and in isolated rural areas, the poorest people are often illiterate with little chance of finding employment.

And so, boldly and with determination, they open a shop, a fish stall, or a sewing workshop, to generate the necessary in-come for their family. They lack neither courage nor common sense, but capital investment and training.In addition, these micro-entrepreneurs and their families live in precarious sani-tary conditions but have neither the technical nor financial means to adopt and disseminate innovative economic, health and environmental products. They need support in order to get started on this path.

How?Entrepreneurs du Monde works in two ways: • creation or support of social microfi-nance programmesEntrepreneurs du Monde supports small local structures (cooperatives, associations,microfinance institutions) :

- that share its social vision of microfi-nance,

- are located in the slums or in remote rural areas,

- want to support a growing number of micro-entrepreneurs,

- and are aiming at sustainability.

Entrepreneurs du Monde helps them to: - establish a strong and competent lo-cal team,

- put in place reliable management and control tools,

- develop their range of products and services,

- reinforce their social mission, - adopt appropriate legal status, - gradually self-finance their micro-credit, businesses and find local grants for non-financial services.

• promotion, by way of savings, micro-credit and training, of products and in-dustries with significant socio-economic and environmental benefits: spirulina, improved stoves (wood or charcoal) or houses with gas heating, solar lamps and water treatment.

SHEILA - Accra (Ghana)

A good shopa savings account and

a health insurance policy

Sheila, mother of three children, is proud of her video club.

Since 2008, ID Ghana, our local part-ner, has given Sheila three successive loans of between 100 and 675 Ghana cedis (€50 to €338) to help her de-velop her business.

A savings tool adapted to her small deposits and withdrawals was also made available to her. Today, Sheila has €133 in her account.

She also received training to support her professional life (customer serv-ice, simplified accounting, setting a selling price) and personal life (sav-ings benefits, awareness of domestic violence).

Finally, our partner ID Ghana encour-aged her to take out government health insurance, helping her to com-plete her application and partially subsidising the premium for 3 years.

Thanks to the income she and her husband have earned, Sheila has just built three rooms for rent. She now plans to open a second video club and one day to buy a plot of land.

Presentation of Entrepreneurs du Monde | october 2011 | 2

what we doSocial MicrofinanceThrough its partners, Entrepreneurs du Monde offers thousands of micro-entre-preneurs:

- loans to develop income-generating activities,

- savings for the unexpected and with which to build long-term projects,

- basic training to help them be-come self-sufficient,

- individual follow-ups to enhance the impact of its work on the family,

- a group dynamic to promote co-hesion and mutual support,

- increasingly, access to health micro-insurance to avoid unexpected costs that would eat into capital and undermine any socio-economic progress made.

Products and industries with social benefitsIn partnership with other NGOs, Entre-preneurs du Monde tests and develops useful products and industries.

SpirulinaIn Burkina Faso, Entrepreneurs du Monde distributes spirulina in rural areas to those who are most impoverished. This algae, extremely rich in proteins, vitamins and minerals, helps to fight against nutri-tional deficiencies and to strengthen the immune system.

Efficient stovesIn Burkina Faso, in partnership with the GIZ FAFASO project, Entrepreneurs du Monde teaches the public about the economic and environmental benefits of cooking equipment that reduces the need for wood or charcoal: improved ground stoves, improved metal Roumdé stoves and gas stoves. Then women are given the means to purchase the equip-ment (specific loan or savings products). Their fuel costs are then significantly re-duced.

Specialist buildings In Haiti, Entrepreneurs du Monde has begun building earthquake and cyclone-resistant houses according to traditional construction techniques. The frame is made of wood and the walls are made of earthquake debris.

Chlorinated waterIn Haiti, Burkina Faso and Cambodia, women are trained to produce a very low cost chlorine solution (WATA™ system) that, according to its level of concentration, makes water potable or becomes a cleaning product or a disin-fectant for health centres.

Photovoltaic electricityIn Haiti and Burkina Faso, trials are un-derway to distribute solar lamps. In ad-dition, the first cybercafés with photo-voltaic chargers are being tested in Haiti. These shops provide an important service to the community: internet ac-cess and mobile telephone charging.

Currently, 77,283 micro-entrepreneurs

supported in 13 countries with

26 partners and programmes (of which 20 are MFIs*)

COUNTRIES

Haiti, Benin, Burkina Faso, Ghana, Togo, Burma,

Cambodia, India, Laos, Mongolia, Philippines,

Sri Lanka, Vietnam

LOANS

€6,479,085 in outstanding loans

97,175 loans granted in 1 year

Average loan: €142

SAVINGS

87,889 active saversAverage savings: €26

TRAINING

(Number of participants in one year)

Management, sales: 114,934 Health, education,

rights: 90,324Vocational: 15,238

SOCIAL SUPPORT

3,499 recipients

*Microfinance Institutions

3 | october 2011 | Presentation of Entrepreneurs du Monde

developmentsOn the Ground Entrepreneurs du Monde continues to pursue the following priorities:

- Intensifying action in urban zones and extending projects to more remote urban areas in Cam-bodia, Burkina Faso and Haiti.

- Extending to more rural zones in India, Vietnam, Benin and Burkina Faso.

- Kicking off new projects in Togo, Sri Lanka, Laos and Burma

- Strengthening projects that were started in Haiti follow-ing the earthquake: supporting the creation and reconstruction of very small enterprises and lobby-ing for a political shift to replace coal and wood with gas.

- Distributing financially and environmentally useful pro-ducts, through microcredit and savings (see p. 2).

- Developing access to micro health insurance.

- Strengthening teams and mechanisms to support the poor-est populations: small jump-start credits, advice and referrals to se-lect social support networks.

- Emphasising group method-ology, supported by individual re-sponsibility amongst our partners. This approach allows microloans to be granted in differing amounts from one borrower to another, stressing individual responsibility, while simultaneously benefiting a group dynamic: sharing of experi-ences and training, etc.

- Systematic use of social per-formance measures, rooted in Entrepreneurs du Monde’s dedica-tion to socially-driven microfi-nance (see opposite column).

In EuropeEntrepreneurs du Monde is in the pro-cess of creating an office in the United Kingdom. Its primary mission will be to raise funds and to manage directly pro-grammes in English-speaking countries.

We are constantly verify-ing that the projects led by local partners are truly benefiting those in great-est need and that they re-sult in real improvements to standards of living.

In order to do this, we use four tools:• The PAT (Poverty Assess-ment Tool) which meas-ures objective criteria (nu-trition, education, housing, infrastructure, etc.) in each family’s situation, both at the start of their participation and then once a year afterwards.• The SPI (Social Perform-ance Indicators) which verify at regular intervals that our partners are ac-tively pursuing social ob-jectives. • Satisfaction studies that allow beneficiaries to eval-uate the quality of our services.• Social ratings conducted by specialised organisa-tions.

These four tools allow for objective and regular analyses of our actions and enable us to address our primary points of im-provement.

MEASURINGIMPACT

Presentation of Entrepreneurs du Monde | october 2011 | 4

teamsFRANCE

8 941 entrepreneurs1 partner4 reconstruction programmes

Franck Renaudin, Director/Founder

Grégoire Héaulme Director of Programmes

Laetitia Raginel Director of Programmes

To contact them : surname.name@entrepreneursdumonde.org

Sabine Roux de Bézieux, President

BURMA 1 programme1 partner

INDIA

5 358 entrepreneurs1 partner

VIETNAM

2 761 entrepreneurs1 programme

PHILIPPINES

9 614 entrepreneurs2 partners

LAOS1 programme starting up

SRI LANKA2 partners

MONGOLIA1 partner

CAMBODIA

32 775 entrepreneurs2 partners1 resource team

Stephen DugbazahDirector of ID Ghana

GHANA

8 913 entrepreneurs 2 partners

BENIN

19 702 entrepreneurs1 partner

Valère HoussouDirector of ALIDé

BURKINA FASO

5 500 entrepreneurs2 partners2 programmes1 resource team for the African region

Modeste Soubeaga Head of EdM Burkina Faso

Sophea Suon, Director Chamroeun, Cambodia

Isabelle Roche Country Coordinator

Abhijit Bera, Director NCRC, India

Pham Anh Duong Director Anh Chi Em, Vietnam

Ludovic Parenty Country Coordinator

TOGO

1 programme starting up1 partner

AFRICA

HAITI

ASIA

Support PlatformBoard of Directors

Guillaume Mellot, Coordinator for Reconstruction Programmes

Sébastien SimonotDirector of ID Microfinance

5 | october 2011 | Presentation of Entrepreneurs du Monde

financing Sources of FinancingThe support of Entrepreneurs du Monde’s projects depends on private funds (individuals, businesses and foundations) and public funds (most notably the Agence Française de Développement). In 2010, €3,961,644 was raised, according to the breakdown in the graph.

Allocation of ResourcesEntrepreneurs du Monde designates more than 90% of its funds to develop-ing social microfinance projects, through training, supporting social entrepreneur-ship throughout the countries in which it works, and through the jump-starting of economic activities in Haiti (56% of activity).

Costs which are not directly associated with programme needs are kept to a minimum. Financial partners are guar-anteed a clear and transparent picture of a programme’s use of funds. In 2010, resources were allocated according to Entrepreneurs du Monde’s social mis-sion, demonstrated in the breakdown in the graph.

Administrative costs can reach up to 8% of total costs.

Auditing AccountsOur accounts are audited by KPMG and our financial reports are available upon request. Entrepreneurs du Monde also benefits from an agreement with the “Comité de la Charte du Don en Confiance.” This is an independent organisation that monitors charities and foundations that call upon the gen-erosity of the public. Through the agreements they make with member organisations, it promotes high stand-ards of management, communication and governance, in order to promote donor confidence.

Public funds34%

Individuals13%

Foundations & Companies 50%Others3%

DANS UNE ENTREPRISE

D’UNE TAILLE RIDICULE.

DEVENEZ

ENTREPRENEURS DU MONDE,

UN INVESTISSEUR I

MPORTANT

LE MICROCRÉDITPOUR CO-FINANCER L’ESPOIR

POUR ENVOYER VOS DONS appelez le 01 53 60 85 50.Ou rendez-vous sur www.entrepreneursdumonde.org

ENTREPRENEURS duMONDE

ON RÉALISE DES CHOSES

QUI NE LE SONT ABSOLUMENT PAS.

AVEC UNE SOMME RIDICULE

LE MICROCRÉDIT

ENTREPRENEURS DU MONDE,

DANS CERTAINS PAYS

POUR CO-FINANCER L’ESPOIR

POUR ENVOYER VOS DONS appelez le 01 53 60 85 50.Ou rendez-vous sur www.entrepreneursdumonde.org

ENTREPRENEURS duMONDE

Advertising realised by Ogilvy and issued in French media

WITH ALMOST NOTHING, YOU CAN CHANGE N E A R L Y EVERYTHING

India

Burma

Mongolia

Cambodia

Presentation of Entrepreneurs du Monde | october 2011 | 6

supportPublic Organisations Through a system of co-financing, the Agence Francaise de Devel-oppement contributes financially to multiple projects and subse-quently follows their progress. Several agencies of the United Na-tions and certain French embassies also finance several of our projects.

Foundations and Other CharitiesThe foundations which support our programmes include the Institut Robin des Bois and foundations such as Araok, Lord Michelham of Hellingly, Louis D., L’Occitane, Le Mascaret, Brageac Solidarité, Poweo, Ensemble, Pro Victimis, Air Liquide, Amisse, Terra Symbiosis, PPR, Prospero, Mérieux, and Vincenot. The Fondation de France contributed a total of €1,280,000 in its financing of the three sections of our intervention in Haiti following the earthquake: psycho-social support, the Fonds pour les Initiatives Locales supporting very small enterprises and the ID Microfinance programme. The charities Don Boule de Neige, Les Pélicans, and Aide au Vietnam also support us.

BusinessesPartnerships with businesses are clearly progressing. They in-clude raising awareness amongst employees about the projects financed by their companies. We have the support of La Poste, le Crédit Agricole, le Groupe AXESS, Neo Telecoms, France Créances, Bréhat Formation et Accompagnement, CNP Assur-ances and Technip. Nixen provides financial support and employer-supported volunteering. Ogilvy & Mather graciously conceived of the publicity campaign for Entrepreneurs du Monde, “With almost nothing, you can change nearly everything.” Lastly, Clifford Chance supports us in the creation of Entrepreneurs du Monde UK.

Individuals Almost 2,800 individuals support our activities in the form of one-time gifts or sponsorships. The later participate for the duration of specific programmes and therefore receive regular progress reports.

Loans to increase credit funding Our partners, ever expanding, need growing capital for the loans they grant. In order to help them with this need, we must complement our grants with loans. For this reason, we have created SAS Microfinance Solidaire, of which capital has grown to €782,000 to date. Our biggest shareholders are le Crédit Coopératif, le Crédit Municipal de Paris and Phitrust Partenaires. Other institutions offer similar support which is delivered directly to our partners: Fondation Grameen Crédit Agricole, Ecofi, Planis ResponsAbility, Babyloan, Kiva and Xetic.

FONDATIONLord Michelham

of Hellingly

BRAGEAC

F O N D A T I O N

S O L I D A R I T E

success storiesOvercoming

insecuritywith skill

and tenacity…

I mmediately after her marriage, Ma-rama set up a mobile restaurant

business, selling cooked beans on the street, in order to guarantee her finan-cial autonomy. Twice a week on market days, she proudly sits in front of her stall. She also produces shea butter for the French Cosmetics company, L’Occitane.

Thanks to the support of the Occitane Foundation, Entrepreneurs du Monde and her local partner AsIEnA was able to give her a loan of €38 to strengthen her restaurant business and training sessions on both business (loans and savings management) and social issues (marital relationships and protection of the environment).

Her daily turnover has already in-creased from €30 to €46. Marama in-tends to continue developing her activ-ity and start her own wholesale trade of Ghanaian products. A third activity to look forward to for a very enterpris-ing woman!

MARAMA Leo (Burkina Faso)

Not one, not two but soon three activities!

Hernando and Cristina, former farmers, migrated with their 4

children to the capital looking for a more lucrative business.

Even after two unsuccessful attempts with first a grocery store and then fish-ing, Hernando was more resolved than ever. He then got the idea of making small cement stoves of good quality from salvaged materials. Orders flowed in quickly, but in the absence of funds he was unable to increase his production and meet the demand.

Our local partner Seed granted him 3 loans ranging from €68 to €100 which allowed him to increase and rationalise his purchases and to buy an electric drill.

Today, Hernando is producing 60 stoves a week and uses the scrap left to make shovels. He now earns €150 per month.

HERNANDO Tanza (Philippines)

Improved stoves: a good idea financed through 3 loans

LAKSHMI Calcutta (India)

Small fish and a tough entrepreneurial spirit

Lakshmi farms and sells small col-ourful fish that are highly popular

in the Kolkata region. She started her business five years ago. She buys the fish eggs, places them in a tank until they hatch and then sells them at the market.

At first, she earned €5 a month.

Lakshmi went on three training ses-sions and was granted 3 loans ranging from €65 to €128 by our partner NCRC. She was then able to buy more eggs and new tanks. Her reve-nue also increased from €5 to €60 per month. Lakshmi is considering buying a stall to attract more clients and increase her turnover. In order to do that, she is saving €15 per month.

Ever since the earthquake swept her house away, Rosie has been living

with the youngest of her 3 sons in a canvas and corrugated iron shelter. She is increasing her efforts in order to rebuild her house as soon as possible and allow her son to attend university.

Since Rosie started her business selling sandals and corn, she has been adding products gradually. In the space of two years, our local partner ID Microfi-nance granted her 6 loans ranging from €86 to €345. She attended train-ing sessions on credit management and AIDS and cholera prevention.

Today, she has a very attractive stall selling salami, eggs, sugar, cereals and soap. She also sells domestic applianc-es (thermos flasks, crockery and buck-ets) and even stoves and coal in retail or in bulk. Her monthly net income has doubled and now amounts to €121.

ROSIE - Leogane (Haiti)

Increased efforts to rebuild her house

29 rue Ladmirault F-86000 Poitiers | +33 (0)5 49 60 73 63 | contact@entrepreneursdumonde.org | www.entrepreneursdumonde.org