Publications

DID Positions

The numerous interventions undertaken by DID have taught us valuable lessons. This vast cumulative experience has led DID to take a clear position on various topics related to the microfinance sector (savings, credit, etc.). The documents listed below present the convictions developed by the DID team over the years.

Financial investment in community finance institutions: providing leverage for development and governance
Date published : April 2007
Language : French (112 KB), English (103 KB), Spanish (110 KB)

Legal frameworks to protect savings deposits and establish sustainable cooperative institutions
Date published : April 2007
Language : French (112 KB), English (101 KB), Spanish (111 KB)

Supervision: A Responsibility to Share?
Date published : September 2005
Language : French (120 KB), English (923 KB), Spanish (112 Ko)

Agricultural Finance: Leverage for Rural Development
Date published : September 2005
Language : French (105 KB), English (960 KB), Spanish (111 Ko)

Savings: Building the Future
Date published : September 2005
Language : French (91 KB), English (769 KB), Spanish (96 Ko)

The Characteristics of a Federated Network of Financial Cooperatives
Date published : May 2005
Language : French (94 KB), English (95 KB), Spanish (101 KB)

Sound Credit Practices: A Key Element for Community Finance Institution Sustainability
Date published : May 2005
Language : French (202 KB), English (1400 KB), Spanish (216 Ko)

Development of Community Finance: Recent lessons Learned
Date published : May 2005
Language : French (72 KB), English (80 KB), Spanish (78 Ko)

DID Professional Experience

Since its inception in 1970, DID has been greatly enriched by its experience along the way. It has always adapted to the needs of its partners and been responsive to requirements set by the microfinance industry. This document presents DID's professional history.

Language : French (640 Ko), English (636 Ko), Spanish (642 Ko)

Activity Report

Each year, DID publishes a report of its activities and the results attained by its partners, who distinguish themselves by their ongoing efforts to improve their financial and social performance.

2009 Activity Report
This report illustrates DID’s accomplishments in 2009 in agricultural finance, insurance, financing for entrepreneurs, school loans, training, housing finance and technological solutions.
Language : French (3.91 Mo), English (1.75 Mo), Spanish (3.46 Mo)

2008 Activity Report
Discover DID’s main accomplishments in technologies, housing finance, training, agricultural finance, business finance, insurance, start up and consolidation of financial institutions.
Language : French (2100 KB), English (2100 KB), Spanish (2100 KB)

2007 Activity Report
This annual report presents DID and its partners’ accomplishments through three main themes: Combining financial and social effectiveness; Diversified and professional financial services; Multiplying leverage for development using technologies, training and investment.
Language : French (2735 KB), English (2732 KB), Spanish (2727 KB)

2006 Activity Report
This report emphasizes the diversity DID considers essential to its goal of reducing the vulnerability of individuals and truly increasing their self-sufficiency; diversity in the types of clientele, in the products offered and in the strategies used to deliver them.
Language : French (2800 KB), English (1100 KB), Spanish (1100 KB)

2005 Activity Report
This report reflects the concerns shared by managers of DID partner microfinance institutions, their desire to ensure member satisfaction, modernize operations, develop skills, establish a balance between urban and rural areas, and operate in a properly regulated environment.
Language : French (3910 KB), English (3495 KB), Spanish (3295 KB)

Finance & Communities Bulletin

Finance & Communities highlights the achievements of DID partner institutions located in twenty developing countries, along with their innovations and the challenges they face in developing community finance in their countries.

Vol. 10 No. 2 – July 2010
DID celebrates its 40th anniversary!
International seminar on food security
Outstanding Partners
Zambia: Smart cards for all clients of the PFSL CFE
Stratego: A new business intelligence tool for microfinance
Exchange visit: Two Proxfin member networks discuss their best practices
Panama: Credit for entrepreneurs thanks to the Centro Financiero Empresarial
Haiti: the challenge of reconstruction for the financial cooperatives
Jocelyn St-Jean addresses the Annual General Meeting of the Desjardins Group
Proxfin takes part in the Microfinance Centre (MFC) Conference in Kazakhstan
Proxfin focuses on food security
Proxfin declaration on the financial crisis
Language : French (1.2 Mo), English (1.2 Mo), Spanish (1.2 Mo)

Vol. 11 No. 01 – January 2010
Third Proxfin international seminar reaffirms relevance of the Proxfin network and scope of its members' influence; DID's 40th anniversary in 2010; Outstanding Partners: Kossi Koudahé, Director of the COOPEC SOLIDARITÉ in Lomé; Amourata Maïga, Director of the Nyèsigiso financial cooperative of Bamako Centre; Jocelyn St-Jean, Director General of the Le Levier federation of financial cooperatives; Leading the way in Senegal: financial coops computerized with SAF over the Web; Intercoop transactions: Sizeable support for private sector development; Russia amends legislation on financial cooperatives; Fair trade coffee coop from Chiapas now supplies Desjardins Group; DID invited to assist development of microfinance sector in West Africa; DID joins with AECOM to support rural development in Burkina Faso; DID advisor honoured in Lithuania; After four years as ICMIF Development Committee Chair, Anne Gaboury hands the seat to Nelson Kuria of Kenya; DID joins US $21 million investment in FINCA international fund; Account of the third Proxfin international seminar on the impact of the financial crisis; Two new members join Proxfin
Language : French (1.2 Mo), English (1.2 Mo), Spanish (1.2 Mo)

Vol. 10 No. 02 – July 2009
Act locally, cooperate and innovate to better face the economic crisis; Nomination of Josée St-Hilaire as Senior Director for Developments; Outstanding partners: Marina Kokhanova, Deputy Director of the National Union of Non-Commercial Organizations for Mutual Financial Aid in Russia; Zambia: entrepreneurs better equipped for growth thanks to the PFSL CFE; Two partner networks honoured by their country; CIC Kenya visits Desjardins; Well deserved certification for the Le Levier Federation; Nyèsigiso: services for the handicapped; Housing finance: three networks equip themselves for better risk management; SANASA CEO addresses managers and directors of the Desjardins Group; CGAP designates a DID initiative as one of the highlights of 2008; DID chairman visits Haiti; Gender equity: a priority that is more relevant than ever.
Language : French (565 Ko), English (557 Ko), Spanish (560 Ko)

Vol. 10 No. 01 – January 2009
Social performance, a core concern for PROXFIN member networks; Pierre Émond retires; Outstanding partners: Mamadou Touré and Alpha Ouédraogo; SANASA develops an agricultural insurance product; Republic of Djibouti: a promising start for the CNEC; Algeria: a savings and credit coop at SONATRACH; Vietnam: interconnectivity serving rural development; Book launch : microfinance in West Africa: challenges and innovations; Paraguay: a member of a cooperative affiliated with Cencopan honoured by the IDB; Social performance: a strategic factor in the cooperative difference for PROXFIN members as cooperative financial institutions.
Language : French (1.2 Mo), English (1.2 Mo), Spanish (1.2 Mo)

Vol. 09 No. 03 – September 2008
• The educational loan financial product to be offered throughout Haiti
• Human resource technology and management,
   strategic challenges for managers in the financial sector
• Inter-American Development Bank (IDB) joins with DID
• The Le Levier federation welcomes Adeline Zongo from Burkina Faso
• Portrait of an Outstanding Partner: Aloyce D. H. Mbunda, Tanzania
• Desjardins Group among the largest financial institutions in the world

Vol. 09 No. 02 – May 2008
After access to credit, access to transactions becomes the next priority; Adeline Zongo, outstanding partner; Rwanda: facilitating secure identification of clients; Pre-export financing: a welcome innovation; Mexico: Consolidating for better growth; Sri Lanka: tools to support growth; The director of tanzania's Dunduliza network addresses Desjardins delegates; PAMÉCAS and SANASA receive awards.
Language : French (1.6 Mo), English (1.7 Mo), Spanish (1.6 Mo)

Vol. 09 No. 01 – October 2008
Interconnectivity: at the core of a vast project undertaken in six DID partner networks; Proxfin: Summary of the Seminar on Risk Management; Desjardins Security fund a model in Asia; Outstanding Partners: Anatoly Kadrov.
Langue : Français (280 Ko), Anglais (272 Ko), Espagnol (280 Ko)

Trends and Performance

This newsletter, published each semester, presents the main trends shown by DID partner performance results along with highlights of the semester.

Trends and Performance – March 31, 2009
Language : French (182 Ko), English (197 Ko), Spanish (164 Ko)

Trends and Performance - November 30, 2008
Language : French (208 Ko), English (224 Ko), Spanish (192 Ko)

Trends and Performance - October 31, 2007
Language : French (200 KB), English (214 KB), Spanish (184 KB)

Trends and Performance - April 30, 2007
Language : French (225 KB), English (222 KB), Spanish (191 KB)

DID Partner Results

Produced by DID and its partners, the performance report presents the quantitative results of each DID partner institution making it possible to assess improvement and performance.

DID Partner Results - As of December 31, 2009
Language : French (561 Ko), English (561 Ko), Spanish (561 Ko)

Study Results

For DID, studies constitute an additional source of knowledge and contribute to improving best practices in community finance. The following documents, produced with the help of our partners, present results that continue to guide our efforts today.

The Impact of Savings and Credit Cooperatives in Burkina Faso
Date published : January 2005
Language : French (69 KB), English (62 KB)

Lithuania’s Savings and Credit Cooperatives Network: Asociacija Lietuvos Kredito Unijos A Case Study (notebook 18)
Date published : January 2003
Language : English (750 KB)

The impact of savings and credit cooperatives in Burkina Faso (notebook 19)
Language : French (668 KB), English (508 KB)

Is the RCC microfinance model sustainable and replicable? PBC-DID microfinance project case study in Luanping, China (notebook 17)
Date published : January 2001
Language : English (279 KB)

Case Study: People's Credit Fund in Vietnam (notebook 14)
Date published : January 1999
Language : French (406 KB), English (973 KB)

Case study: The Caja de solidaridad in Mexico (notebook 12)
Date published : January 1998
Language : French (2311 KB), Spanish (2258 KB)

Case study: Setting up mother credit unions within the framework of a project supporting rural finance in Madagascar (notebook 11)
Date published : January 1997
Language : French (243 KB)

Case study: The savings and credit associative credit unions for entrepreneurs and shopkeepers in Bamako (Caisse associative d'épargne et crédit des entrepreneurs et des commerçants de Bamako - CAECE) (notebook 10)
Date published : January 1997
Language : French (2019 KB)

Case study: Village credit unions in Burkina Faso (notebook 9)
Date published : May 1996
Language : French (280 KB)

Microcredit procedures in developping countries. Litterature review (research 2)
Date published : January 1996
Language : French (277 KB)

Methodologies

Improving employee performance in microfinance institutions: incentive remuneration (tool 4)
Date published : September 2003
Language : French (302 KB), English (185 KB), Spanish (392 KB)

Organizing for Success: supervision and grouping of cooperatives (notebook 15)
Date published : January 2003
Language : Spanish (1069 KB)

Transfer of expertise (notebook 16)
Date published : September 2002
Language : French (916 KB), English (901 KB)

Principles and methodology for implementing change (tool 1)
Date published : January 1997
Language : French (296 KB)

Diagnosing the partner (tool 2)
Date published : January 1997
Language : French (139 KB)

Summary report on the DID “PMCA Workshop” (Mali, March 2007)

An international workshop on agricultural finance was held from March 14 to 16 in Bamako, Mali under the project to professionalize agricultural credit methods (PMCA). The workshop was coordinated by Développement international Desjardins (DID) and financed by the Government of Canada under an agreement with the Canadian Partnership Branch of CIDA. Entitled Le financement agricole : enjeux et perspectives (Issues and Outlook for Agricultural Finance) the workshop attracted over 50 participants from 12 different countries. There were presentations by DID partners and experts along with discussions of topics related to agricultural financing. This document is a summary of the presentations and discussions.

Language : French (482 KB), English (521 KB), Spanish (483 KB)

Summary Report On the DID International Seminar

On May 25 and 26, DID held the seminar “New challenges for increasing accessibility of financial services: Improving organization and adapting services” in Quebec City. This seminar drew over 120 participants from 22 countries. While not a fully detailed report, the following document summarizes the presentations and workshop discussions.

Language : French (772 KB), English (768 KB), Spanish (771 KB)

Brochure 35^th Anniversary of DID

For over 35 years, DID has worked to empower the poor in countries in development or transition though mastery of financial institutions that are owned and managed by the community. Discover more about the history of this Desjardins component in this special edition published in 2005.

Language : French (1201 KB), English (1173 KB), Spanish (1199 KB)