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Business principles

Principle 1: Prevention of over-indebtedness

Why is this important? Prevention of client’s over-indebtedness should be the main rule of the microfinance and any other business operation that deals with lending money in a competent manner. Financial institutions should make sure they do not get their client indebted more than she or he can handle it. Credit can be a problem if access to credit is seen as a right rather than as a stern business decision both for a client and for an institution.
 

Principle 2: Transparency of prices

Why is this important? Clear information is the essence of the consumer’s protection, especially when the level of financial literacy is low and clients may not be able to make competent decisions on advantages and risks of financial products and services.

In practice, this principle means that financial lenders are to make sure that full information is available to users, in a clear language which is not ambiguous in any way and that a client is able to understand it. The principle covers both written and oral communication that takes place before
the sale (marketing), during the sale and after the sale (during all contacts with a client)


Fair price

Why is it important? Fair price, especially in non-competitive markets, protects consumer’s interest. However, there is no consensus on the definition of a fair price. For the GSA the fair price is defined as the way the institution shows its care for the wellbeing of the buyer and shows its commitment to establishing a mutually beneficial relationship with the client.

In practice, this means that financial institutions’ principle is not to charge the client for their own lack of efficiency. They favor a long-term and beneficial relationship with the client instead of a short-term maximization of profit. What the market can handle is not always what benefits the client.
 
Principle 3: Appropriate ways of debt-recovery

Why is this important? The debt-recovery tests the institution’s commitment to treat its clients with respect and dignity.

In practice, recovering the debt in an appropriate manner does not mean a debt write-off or flexibility in terms of timely payment. The financial institution sticks to this principle by maintaining high standards of ethical behavior even when it does not manage to get its client to fulfill her/his contractual obligations.

Principle 4: Ethical behavior of the personnel

Why is this important? Treating clients with respect and dignity is the basic principle of the consumers’ protection. The image of an institution is based on the behavior of its personnel.

In practice, a financial institution applies this principle by creating corporate culture which values the high ethical standards of behavior among its personnel and ensures the guarantees in terms of preventing, revealing and eliminating the corruption or mistreatment of clients.   .

Principle 5: Mechanisms for negotiations and handling of complaints

Why is this important? The buyers should have an opportunity to communicate their problems, to complain when relationship is incorrect or unacceptable. The buyers should expect timely resolutions and attention to their problems.  

In practice, a financial institution applies this principle by utilizing a mechanism for collecting complaints, timely reacting to them and resolving problems for their clients.

Principle  6: Confidentiality of the clients’ data

Why is this important? Buyers have the right to expect that their personal and financial information will not be disclosed to those who are not authorized to see them.

In practice, financial institutions apply this principle by respecting the confidentiality of their clients’ data, by ensuring the integrity and security of the users’ data. Financial institutions request clients’ permission prior to sharing their information with others.


 

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TUZLA - CENTRALNI UREDBosne srebrene bb035 270 283, 252 448

TUZLA - KREDITNI ODJELBosne srebrene bb035 260 016

KALESIJAKalesijske brigade 13035 631-502

ŽIVINICEAliije Izetbegovica 31035 772-572

LUKAVACTrg Bremena bb035 550-115

SREBRENIK21. Srebreničke brigade bb035 645-295

GRADAČACHadžiefendijina 2035 819-222

ZAVIDOVIĆIAlije Izetbegovića bb032 877-727

BIJELJINAAtinska 6055 221-071

BRČKOMeše Selimovića 2049 214-555

SREBRENICATrg MIhajla Bjelakovića056 445-300

ZVORNIKPatrijarha Pavla bb056 215-608

PRNJAVORAlekse Malića 18051 655-170

GRAČANICAAlije Izetbegovića bb (preko puta Sahat kule)035 700-621

ODŽAKTitova bb031 762-800

BANOVIĆIAlije Izetbegovića 3035 871-180

DOBOJNikole Pašića 16-18/3053 206-530

UGLJEVIKPrvih Majevičkih brigada (novi ZC)055 773-601

TESLIĆStevana Sinđelića bb053 411-230

KLADANJAvdage Hasića 71035 622-420

VLASENICASvetosavska bb056 710-820

ŽEPČEOmladinska 1032 888-210

MAGLAJViteška 2032 609-680

SARAJEVOAzize Šaćirbegović 80C033 711-545

ILIDŽASamira Ćatovića Kobre 17033 762-155

LAKTAŠIKarađorđeva 63051 490-819

KAKANJAlije Izetbegovića bb (lamela P+4+M)032 556-840

VISOKOBranilaca br.19032 733-433

BREZAŠehidska bb032 783-856

JANJABijeljinska 165055 490 480

ZENICAHuseina Kulenovića 2 (RK Zeničanka) 032 244 044

TRAVNIKKulina Bana bb030 512 205

ADDRESS

Bosne srebrene bb
Bosne srebrene bb
Kalesijske brigade 13
Aliije Izetbegovica 31
Trg Bremena bb
21. Srebreničke brigade bb
Hadžiefendijina 2
Alije Izetbegovića bb
Atinska 6
Meše Selimovića 2
Trg MIhajla Bjelakovića
Patrijarha Pavla bb
Alekse Malića 18
Alije Izetbegovića bb
Titova bb
Alije Izetbegovića 3
Nikole Pašića 16-18/3
Prvih Majevičkih brigada (novi ZC)
Stevana Sinđelića bb
Avdage Hasića 71
Svetosavska bb
Omladinska 1
Viteška 2
Azize Šaćirbegović 80C
Samira Ćatovića Kobre 17
Karađorđeva 63

Alije Izetbegovića bb (lamela P+4+M)

Branilaca br.19

Šehidska bb

Bijeljinska 165
Islambegovića put 2B
Kulina Bana bb

Phone Numbers

035 270 283, 252 448
035 260 016
035 631-502
035 772-572
035 550-115
035 645-295
035 819-222
032 877-727
055 221-071
049 214-555
056 445-300
056 215-608
051 655-170
035 700-621
031 762-800
035 871-180
053 206-530
055 773-601
053 411-230
035 622-420
056 710-820
032 888-210
032 609-680
033 711-545
033 762-155
051 490-819

032 556-840

032 733-433

032 783-856

055 490 480
032 244 044
030 512 205

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