sdfsdfsdfsdf #
Client Protection Principles

KMF makes significant efforts to build long-term partner relations with clients based on mutual confidence, understanding and respect. In these goals the company supports 7 Client Protection Principles initiated by Smart Campaign and maintains policy of strengthening these principles in our company.

According to Campaign Director Isabelle Barrès: «To date, 44 financial institutions around the world have been certified as meeting the Smart Campaign’s standards for consumer protection. Those institutions, which adhere to the Campaign’s Client Protection Principles of transparency, fair and respectful treatment, responsible pricing, prevention of over-indebtedness, and more, collectively serve more than 22 million low-income clients.»

During the first Certification Summit, held in July 2015, representatives of certified institutions were interviewed about the experience of certification. In a series of candid video interviews, representatives discussed why they elected to engage in the process, what they learned, how and why it improved their business, how investors have reacted, and what it has meant for their institutions’ customers. Video is available by following link: http://www.smartcampaign.org/


Appropriate product design and delivery channels
Loans are accessible, disbursement/repayment conditions are easy to understand. Clients are given time to think over their decision. Company loan products are developed taking into account clients’ demand based on regular feedback.
Prevention of over-indebtedness
Loans are disbursed to clients with clarifications on how to assess their repayment capacity (capability to repay monthly loan payments), and through a preliminary repayment capacity analysis (checking credit history through Credit Bureau).
Transparency
Prices, maturity terms and loan conditions (including interest rates, all commissions and other expenses) are communicated to the client before loan disbursement. Information on products is accessible and transparent and is provided through various tools (advertising handouts, information stands and orally).
Responsible pricing
Loan prices are established so that loans were affordable for clients, and at the same time KMF financial sustainability is secured.
Fair and respectful treatment of clients
KMF staff is trained, motivated and complies with high ethical standards in communicating with clients. Clients are informed about their rights.
Privacy of client data
Protection of client personal data is secured in accordance with acting law and rules; data cannot be used on other purposes without client’s consent.
Mechanisms for complaint resolution
The company developed mechanisms to timely handle complaints, as well as mechanisms to solve borrowers’ problems. There are different communication channels to submit complaints: written, oral – all of them are available for clients.
#
# ЗАЯВКА НА ОБУЧЕНИЕ
Это займет меньше минуты!
Как Вас зовут? *
Ваш телефон *
Ваш email *
Дата проведения *
Где Вы живёте *
Посещали ли Вы ранее наши семинары?
#
# КНИГА ЖАЛОБ
ФИО
Email
Тема
Город проживания *
Ваш вопрос
Защита от роботов
CAPTCHA      
#
# ЗАДАТЬ ВОПРОС
ФИО
Email
Тема
Город проживания *
Ваш вопрос
Защита от роботов
CAPTCHA      
#
#
#
#
*
*
*
ИИН*
*
тенге
*
месяцев
*
Код с картинки*
CAPTCHA