Technical assistance to BVF Société Générale – Partial Portfolio Guarantee (PPG) – PASEF Madagascar

Between January 2016 and June 2017, the Belgian Bankers Academy deployed a technical assistant to BVF Société Générale – one of the three banks participating in the GPP SOLIDIS Fund managed by SOLIDIS – to strengthen access to credit for micro, small, and medium-sized enterprises (MSMEs) in Madagascar.

Phase 1: Strengthening the MSME offering

• Diagnosis of the portfolio and lending practices: assessment of MSME segments, volumes, maturities, and grace periods.

• Product optimization: tailoring the offering to identified needs, creating loan analysis tools, and training customer service representatives.

• Facilitation of a three-module training program for managers, covering scoring, financial engineering, and bank negotiation.

Phase 2: Implementation of GPP monitoring

• Design of an automated reporting system: definition of key indicators (number of eligible loans, amounts covered, utilization rate).

• Configuration and testing of the GPP dashboard in the banking information system.

• Practical training for agents on the new procedures for monitoring and managing partial guarantees.

At the end of the assignment, BVF Société Générale had a comprehensive methodology for developing its MSME customer base and an operational tool guaranteeing the transparency and traceability of the GPP mechanism.