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ACCION ()*+, +-,/0 *, * +)0*,* 0), -0 +--(0 , +--(* 9, 90.

ACCION I:0),:-,; * 9)-,*,)-0

9:+00; ,,:0; **@, *,(,,; *(-=-)0 9+,:0 ,),,.

1. Pojam mirofinansiranja

1.,-.-)(11.11.2"13.

Kotor, novembar 2013. god. 2

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-,=0 , 0 )-,9),0 0, - ,9(*)0? ,, , -9:=,)=,0 0*9?

),=-? 0=,. T0) H)-,9),0 - 0,=- 90 +-,=- * )0* ),=0?

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9,),>=,, 9, -, 9:,-=

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Slika 1. Primjer ACCION tampane reklame, 2002

Kotor, novembar 2013. god. 5

P-,@*; -, @0 =),::.N0- -9:-,9:=-; -, @0

9,*=,:.

O, 0 -/, 9)-,*0- ,0 +-9-=0 )0:0 --- 1"" , =)00 *0 ,- 9:- 0 -,. A :- 0 -/0- ,+),=: 0 =,

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Izvor: ACCION International (str. !"

3. Prva omer!ijalna "ana # svijet#

ACCION 0 +--(, 9:=,),* B,- S-,; +)=0 -0),0 ,0 , 9=0:* +-9=0@00

9*=- , +)0*0@,. O9-=,, * B-= 1!!2. (-0 B,- S- , 0 ,,

9)-,, 9,,, )-,. D-

2""2. B,- S- 0 +-*, 9=- 0:, 45.""" +)09=, )- ,99? 90)=9,

****@

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&.1. Nevladine or'ani(a!ije

N0=,0 -)(,,0 9* 90 :),9-)9,0 * ,0. O=- 0 - -,: -0 9, -9,

ACCION$-=? +,):0), - 9* +)-

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U -, 9*,, )0:-) ,0 =0@ , ,-= 9:-),: , )0:- +-0 0 =0@ - 9,0=0-

)-,99 09+0):,.

&.3. +elie "ane sa mirofinansijsim filijalama

O=- 0 - 0, - 9-),

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:0?--(* -(-=,),*@ 99:0. I,-= 0 +-),*0=,- ,9-=0 -*0 , )0:0

9*/00 +0: 90, * +-)0>0* 9, =0 -,:0 900 * )*( )/,=,, *

+)0=,,/0*

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+,):0)9 -0 * 0 0,, * -, 0 =- 9)-,

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U 2""2. (- +)-0*0 90 , 0 3 -, * /=0- 9, ,0 - =, -,), , , , - 4"$

6" -9-, -0 9* /=00 * 0,, * ),=-* - 0 9,- ,+-90-. !ACCION$= 0:

9* 9,- ,+-900 /00 *

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B,0 * A0); E--90 :0(),0 9, 90*0 ,(-9:0 9:)*0:0 , ,-=0 ACCION )0/0

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-:)=,* 9)/; 9+)-=- ,,* +)-00; , * 09:, :- -/0 +-:),,: - =0 000.

ACCION CAMEL : +)*/, +)00:,* +-0:? ,,,; *9:,-=,, =

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, )0:, --=,,; 9:),/=,0 :)/

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1:. Or'ani(a!iona str#t#ra i finansiranje

U 00)* 2""2. (-0 ; ACCION +)0*0 -=* -)(,,-* 9:)*:*)* 9, ACCION

I:0),:-,. ACCION I:0),:-, -9-0 +)09:,=, : )-,99? =09:-?

9:)*,, * SAD * - 90 ,,0 * B-9:-* V,** 9, -,

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2" :0?? 9:)*,,

1! 9,=0:,

4 9:)*,, , :0?--(* MIS 9+0,9:,

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+-:* ,,* -00,; ,- -00, , ,990 *9*(0 ,(0,- ,* , )0:0

=09:0. P)0- 5" +)?-, ACCION I:0),:-,$, * 2""1. (- -

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ti i administrativni fondU#noU#no f#n!ija tro>ova

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Izvor: ACCION International (str.89)

Kotor, novembar 2013. god. 17

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0--, ,+0 9:*0 9*,, * -, 9, ACCION$ -=- ,- +),(,:, 0

+)9:*+ *,/,=,, 9)-,

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9+-9-0 , +--(* -, *. &,-= ACCION$, * 90:-)* -*,,; ,0- 9,

+)-$-- ),-, - ,)0:(, =)

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=--:0), - 9* +-*

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FINCA 0 *9*/=,, 18!;587 0,:, ,, 0 0+-=*0 ,, - 4" -, -,),; )0:0

9* *+),=, )- 2" +,):0)9? +)-(),, * L,:9- A0); A) =

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2 6pravljanje projektima: IPC 0 ,- *(-)-* 9,),* 9, -0), ,,, *

+)0:, )-$)0:),, ****@ R*9*; U),*; K,,?9:,; A)0* P,),(=,.

3 ankarski mena)7ment servis O 2""2 (-0; IPC , *+),=, 90)=9 9,(,9, 9, 15

,),? )-,99? 9::*, -)0:9,? * 9:-- *(-9:-- E=)-+;

S0=0)- A0); A) A. U -= 9:*,,; IPC ), 09:- ,*,* (,=,

09:, -,9: ,9,; ,- +). (00), 0,0); ,99 0,0) :. IPC *

=0@ 9*,0=, , 9=- *- =09:, * : 9::*,, , 0,0: 90)=9.

Tabela 1.2. regle! ACCION"a i n#egovi$ %on%&renata za 2''2. go!in&

ACCION G),00 O++-):*: FINCA F)00-

I:0),:-, B, I:0),:-, )-*(0)

S-(, V

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N0+-=*0,, -

),, 2""2. (.44" -,-,),

263 -,

-,),64 -, -,), 4" -,

-,),18 -, -,),

U*+-)0:),0 *2""2. ( .

82" -,-,),

2!2 -,-,),

127 -, -,), !8 -,-,),

P)-90,+-,, 575 -,), 11" -,), 237 -,), 518 -,), 75 -,),

P,, ),:0$+-=),:, ),:, !7.5 !8 !8 !7

Izvor: ACCION International (str.12)

13. )#d#6i i(a(ovi i mo'#6nosti

%enjanje "a(e lijenata i dinamie ind#strije

N0-- )-,99? :)/

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1$. Re'#lative

K,- 90 )- 0),? 9::*, , )-,9),0 +-=0@,=,-; =,0 ,(00; 9=0 =

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0,:,. N,+-+*,) -0 0 - 0

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+-:=, *:, , +),(-,=,0 ,,:? 9:-+,; 0) ?-= =- 0 0- *:0 ,

:),/0 , )0:, 0 0-9:,0.

Crno*orske mikro%inansiske instit/$ije( #I-9:=,)0 9* +)-

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,,9 -9:=,), 0 0:- +)-: - 123 ?,0 0*),;

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*(*: , =

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0iterat#ra

1 B)- M.; HM)-,0 -) B,0)9 , I=09:-)9 ; MG),$; 2""!.

2 , V.; HM)-0--,; E--9 ,*:0:; B0-(),; 2"12.

3 *0?J.; L,0)N.; HACCION I:0),:-, ; ,)=,) B*9099 S?--; 2""3.

4 R?0 E.; HM,9:)0,( M)-,0 - 0( :- :?0 +--) 0(,; ()0 , ,0

- ,(0 B-=,; K*,), P)099; 2""1.

5 R?0 E.;HT?0 N0 -) - M)-0:0)+)90 F,0; K*,),; 1!!4.

6 .,-.-)( 12.11.2"13.

7 .,,).0 11.11.2"13.

http://hbr.org/search/John%20A.%20Quelch/0http://hbr.org/search/Nathalie%20Laidler/0http://www.accion.org/http://www.bankar.me/http://hbr.org/search/John%20A.%20Quelch/0http://hbr.org/search/Nathalie%20Laidler/0http://www.accion.org/http://www.bankar.me/