The ACCION CAMEL

106 Pages·1998·0.78 MB·English

The ACCION

CAMEL

Technical Note
ATChCCeIA OMNE L
TechnicaNlo te
by
Sonia B. Saltzman
Darcy Salinger
ACCION International
September 1998
This work was supported by the U.S. Agency for International Development, Global Bureau,
Economic Growth Section, Microenterprise Development Office, through funding to the
Microenterprise Best Practices (MBP) Project, contract number: PCE-C-00-96-90004-00.
SSaoBln.tVPi zwiramace asesn iR dfeeosnreDt aae rnvcdeh l opAmfCeoCInrInt Ot Ne rnatSiooimnnea rlv ille,
Massachusyee1htaFs0etrohF asstreid.,h ne ead n cSiearlv iDceepsa rtmewnhhtio,cvu thash reeisf o uunsd s
managAbeCydC IiOnNc luditnUhg.e aS Ln.ad t Aimne riBcrai dFguen adtnsGhd ae t ewFauyn MdSs.a. l tzmhaans
1993.inicne pittisos pnir nocCceAeA MsCEsCL I OtNh e iinnv obleveend
DSDaFairilrcniieoyanscf ngA t cenoAirarCIa lf CnlyoIt srOei Nrs n Saotmiieonrn vaiMlla lses,a cmheumsbeAet rts.
otfhA eC CIOsNt afsfi nc1e9 86s,hh eaw so rkeitdnh a er eaogsfr antmsa nagementm,a nagemenoAtfC CION’Us. S.
LaanAtdmi enr BirciaFd ugnecad rnsedi,ad n nivdte stmaennatl ysSMiassl..i nphgaaersrt icipsaeitvnee dr al
evaluations.CAMEL ACCION
i
ACKNOWLEDGMENTS
g ndsf iei ontthei ist h erintol ws oh posyiweotantheaatpmic e srr s puheep osrWaoiptwxe
dertiue bhyitlrst unsooercue gn lael aega.nlceolitionotchN ac lNneaOrTrIeeCtvCneAIS
e c ,noe l di lsg r,eonesnnt tli pinsrdnxate aaauo eadeCClioLiccttesina eVirsdratPpieirp
,sn oo ihat wc adisreraege hpam eO nAsh Last;eEm encMrc,onAa oziiCssretsetpppCioeLcni
,;s sno,nodh roinwso ita at atarhcd caroeeynLiueirlniErlpniatMeaOeDmaAmvSLCAe
. trnneoe pin mnasau oPs i rLeuslrtEhc’iosMtsNL hn A iOfti,ClDIoukeCachCoocAcRaR
,s N e,O o u aIartg,s doCntaa zonnvCin eralaaoAle, luiruNoCseloDaJradoCavcCiR
,e oa m,kLh ipaaE we ytbu e l mMuhdeohoteesmsthikh AolgwrttslauooucowCrlhtoC
no aifitoruab Mie. rgtentdnhonee t iolmfstcwuo iaocyhrnoltak dlpcueaf r eepotWsalrag
,oretO e vitucexE. gseci Vl nk s ,t lnedoinoiser aP rehtatdruwwih euO rtd oywiolusbga
,tne , mdkl p n caao,a erinnlnriohoaeooltcisvtiucstuernJer aSDaerefzBSiGoiDnagrO
hncrr.east e nn,sooiNetiOr tIruC obCrfiAirethntoc
m ae r crgtenooad at r u, nctP ft noiersoi eetfreu teWto ibo.ahsreDomPrticwRrgrioohMnCe
ndo e itepf,ssho oorrtelodeiehhav f vtwr,eeortdle uodnt CliisutcosiBnm IoenhotcE
la i tcrsno eaf au nlseqai’t ce ofN nirN 2inO eL 9hNIsEocO9MCn eIt1ACoTCC CApnAsier
.snoi t u ntee ic t.tn ssrsat aiMnnnnhrii eehfr me Cooyubtgrfernnckteii smtmnnssiisiessssaa
.tnt u on,oe ni eyhhNo tfm lttOiduo uliI tnleLrawCnaaohEtnCi cvtMsiAeieAnFhlCitppa
d eae swcho eoi ,t,hnttler nrwcialoenkipteiampci uatldAasaNnfLip abOofedIfheCateCfA
td nl , eut ntsmooe oniuwnvnhcaeni eo tfmtoheiduo udbtnleLrhEtaaocvtMsieAnlCippa
.elbi ssop yti lssyf.irnno sb o oAy riereilrosrrh seohnaetesltohiouptmsasoer
stnemgdelwonkcA
iii
TABLE OF CONTENTS
EXECUTIVE SUMMARY vii
ERNEOTPAHC
NOITCUDORTNI 1
L ENM OAICCCEA FTH OYROTSHI ................................................................................ 1
ECAMELH TGNITANIMES SG, ANNDDIG, INYLIPPAPOLE VSTODE EGNELLACH ................ 2
SDRADN AG ESTCNANNIFORCIMIHSILB A’S NLOETIMACANCDESC A ............................. 3
ORWETTPAHC
, E,S WOD EPN:EIRALPVUEORPMCEASVCO 5
ERUS A TME SNOLEEDO MATCAWH .............................................................................. 5
ERU S ASMELEEDO MATCAWH ...................................................................................... 7
TNEMURT LES MAINECH TF OSTNENOPMCO .................................................................... 8
GNI TLERAMAC ........................................................................................................... 12
LEM ALCANIG IEORH TMO SFRRE F L EFNMDIOAEICCC HAWTHO ............................. 13
EREERTHPTAHC
NO ILFNT EOOAEMICHACITCCLAPPA 17
LEM AECVITCEFEF NA ROF SNOITID NYCORASSECNE .................................................... 17
no iyttai ml friyoobc fandnlenIiraaavpAsnarT .................................................... 17
Trust .................................................................................................................. 18
yti ls fiwfobefai alvrtiroSaefvtAnI .................................................................... 18
es tlxrali eiiMfmbrkoampSeeoTMrppA .......................................................... 18
TROF FEF OLEVLE .......................................................................................................... 18
NOITISOP MMCOATE ...................................................................................................... 19
SSEC ODPRN AROB FLA ONOISIVDI ................................................................................. 20
TRO PERETH .................................................................................................................. 21
NSOOITEATCILGPAPNELLACH ....................................................................................... 22
RERTUPOAFHC
NO ISLTTEA NMMDEARNMCOATFSNUIJDA 25
NOITUTITS MINODFRERIU QNREOITAMROFIN ................................................................. 25
st nlea midecntnaaat n SdieeFh ttLsEutMjaAdmCAroF .................................... 26
noita mcriotfanmImargorP ................................................................................. 27
STNE MLTESUMJAADC ................................................................................................. 28
yti veict ncga Ann r iieoetfpf hsoofturcojcSdiAM .............................................. 29
no ig s n einishvatstoosorLuLPjdA .................................................................... 29
gns finftaOso-ueLjtdiArW ................................................................................ 31
vi
sei dttgiiins ccibdriitunollsSafppumxjIEdA ..................................................... 32
n.o i stg t a.nr cflioeeoftfhfnstfI.uEjdA............................................................... 33
etgms noed icrertneuosItrfuncjIcdAA .............................................................. 33
E VRIEFTPAHC
LEMACGNIROCS 35
LATADEIQUACY.PCA..................................................................................................... 35
)evita teigtanraeuvQe(L ..................................................................................... 36
)yetviil tioa b tteAyistliiaauuRqQE( .................................................................. 37
)ev iytcaat uis qtefenvodarAueQs(eR ................................................................. 38
YTI LATQUESAS ............................................................................................................. 39
o)ielvoi ftttaart oikPtsniaRuQ( .......................................................................... 40
)evitat istfnfaou-Qe(tirW ................................................................................... 41
)e vnio timatetati csloiyaifSuliQos(fstarloCP ..................................................... 42
y)teivv iimt trafscetotutied-lsogasrnuAPoQL( .................................................. 43
)evitatilauQ( erutcurtsarfnI ................................................................................ 44
TNEMEGANMA ............................................................................................................... 44
tnem)eegvaintaaMt/ielcanuaQn(revoG .............................................................. 45
)evita tsiel canruauQmo(usHeR ......................................................................... 47
)e v,ist l a,od tsrntietailsndasouueCAQc(orP ...................................................... 48
)e vyi g tnomaoletiotitnslahyamcSureQoT(fnI ................................................... 51
).cgeinvgiien ttn gaaadntrlniitPatl.SeagudQu(B................................................ 54
S.G.NI.NR.EA.................................................................................................................. 56
d )enetrvsuiuttje adRn tAoyittinuaquEQ( .......................................................... 57
)evi tylacatnnieotiinctaiaufrQfe(EpO ................................................................ 57
) ednveritutstau etj nRidsotAtneasusQA( .......................................................... 58
)evit att siyeelctraiaeulRtQon(PI ....................................................................... 59
TNEMEGAN YMATIDIUQLI .............................................................................................. 59
)evit ae tryiutltiacluuiQrb(taSiL ......................................................................... 60
yti) le fivsobidatnla uito F aitdttvlnieAaadeumeMQer(DC ............................... 62
).evita ts .inhlosai autwCQco(eljF.orP................................................................ 63
) eyvtiitva it f titosrctnteuneehdarstoursOrQuAP(C ........................................... 64
XENNA :EAC NTAELEAH, BSTD NNEEAMMOECTNAITS
SEL PM A X TE A M R O DF N SA N O I T I N I F ED A-1
XENNA :SB TT ENLEEEHMMSTDAKSNCRUAOJWDA
SNOI T C U R T S N I B-1
SI SEYVL IAXTNEAAN RN:AACPMOC C-1
SSRG ONRT IOAGXNFCNERIINADT NENR:AIODPPUS D-1
v
LIST OF TABLES AND FIGURES
elbaT egaP
1 sLrots EaghcntiiidtMwnhIgiAeWC 10
2 soita RdesU oe stnerivom itrLtaeEactMtieAidDCtnnIauQ 11
3 gsneitnao Ri NsLOiEIvMCoACrCAP 30
4 x inrot iaetMla plf m uooapcixaltEGaaCR 61
erugiF
1 ssLisEseMycAloCarnPA 9
iiv
EXECUTIVE SUMMARY
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CAMEL INFORMATION AND ADJUSTMENTS
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CAMEL SCORING
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