Fund Access. Cooperación Económica y Técnica. Christine Jones, Agency for Micro Enterprise Development Limited (FundAccess) Barbados
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1 Fund Access Christine Jones, Agency for Micro Enterprise Development Limited (FundAccess) Barbados Cooperación Económica y Técnica Seminario Taller sobre Emprendimiento Hacia la creación de una economía impulsada por el emprendimiento desmitificando el proceso Bridgetown, Barbados 17 y 18 de agosto de 2016 SP/STE-HCEIEDP/Di N 13-16
2 Copyright SELA, agosto de Todos los derechos reservados. Impreso en la Secretaría Permanente del SELA, Caracas, Venezuela. La autorización para reproducir total o parcialmente este documento debe solicitarse a la oficina de Prensa y Difusión de la Secretaría Permanente del SELA (sela@sela.org). Los Estados Miembros y sus instituciones gubernamentales pueden reproducir este documento sin autorización previa. Sólo se les solicita que mencionen la fuente e informen a esta Secretaría de tal reproducción.
3 FundAccess The Barbados Agency for Micro Enterprise Development Ltd was established to fill the void in development finance for micro enterprises arising from the closure of the Barbados Development Bank. The Agency was incorporated under the Companies Act of Barbados on December 23, 1997 and trades under the name FundAccess.
4 FundAccess Objectives Our main objective is to empower the microentrepreneur by implementing a programme which seeks to provide sustainable development to micro entrepreneurs through financial and technical support services. FundAccess also seeks to promote the entrepreneurial concept within the Barbadian community.
5 FundAccess Background The programme provided by the agency includes: The provision of micro financing Training in micro-management techniques. Business development and technical support services.
6 FundAccess Headquarters City Building, Pinfold Street
7 PORTFOLIO PERFORMANCE January 1998 July 31, 2016 Total No. of Loans Approved Total Value of Loans No. of Jobs Created 1681 $50,364,
8 Areas of Funding for start-ups and existing businesses Fixed assets Stock Renovations Working Capital (for example rent and advertising)
9 Loan Categories Agriculture Manufacturing Retail & Distribution Services & Trade Tourism
10 ELIGIBILITY Applicant must be between years old Applicant must have a commercially viable project The business once developed must be the primary source of income and employment for applicant
11 ELIGIBILITY (cont d) Full disclosure of financial and other information relevant to the project.
12 LOAN TERMS Fixed Interest Rate 6% (on the Reducing Balance) Loan Amount $ (min) $100, (max) Loan Duration 1 year (min) years (max)
13 Loan Terms (cont d) No Cash Policy Quotations for goods or services required must be submitted. Creditors Life Insurance It is mandatory that clients are insured for the duration of the loan repayment period and the insurance premium must be paid by the client prior to disbursement.
14 SECURITY REQUIREMENTS Loans up to $40,000 3 Guarantors and a Bill of Sale on Assets Loans over $50,000 Business plan Guarantors Mutual Funds Life Insurance Policy Shares
15 Business Development Enterprise Training two day programme includes modules on record keeping, marketing and cash management.
16 Business Development (cont d) Business Development Each business is assigned a Business Development Officer who monitors the business for the duration of loan. Marketing assistance Development seminars and workshops. Business centre and conference facilities.
17 Business Development Fund This grant facility is designed to assist clients with enhancing the competitiveness of their businesses. Areas funded by the Business Development Fund: Marketing Corporate development Consultancy Training and development Legal services Product development
18 Business Development Fund (cont d) Business Development Fund Approvals Approvals Year No: of Clients Value of Assistance ($) , , ,205.25
19 Sectoral Analysis The small business sector is disadvantaged because of a lack of data to support the theoretical beliefs held by many entrepreneurs and business organizations. The small business sector and stakeholders stand to benefit from a thorough analysis of various sectors to assess their performance, strengthens and weaknesses and overall contribution to the Barbadian economy.
20 Sectoral Analysis cont d FundAccess can play a pivotal in this regard as the loans component allows for the assessment of the current performance of the business and our business development department is able to compare actual performance to projected results, thereby identifying and resolving some of the challenges affecting business.
21 Sectoral Analysis cont d It is therefore becomes necessary that FundAccess collate, analyse and disseminate this information to the relevant parties. Internally, this company stands to benefit from greater understanding of the various sub-sectors with quantitate and qualitative data to support conclusions.
22 SUMMARY History of FundAccess Loan Terms Business Development Sectoral Analysis
23 Fueling The Nation s Entrepreneurial Spirit The City Building Pinfold Street Bridgetown Tel: (246) Fax: (246) fundaccess@caribsurf.com Website:
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