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  • OPEN COMMUNICATION The key to success
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  • TRANSPARENCY REFERENCE IN TERMS OF FINANCIAL SERVICES
 

AccèsBanque Madagascar

For the development of MSME and their families
Who we are

PROUD TO BE PARTS OF AN INTERNATIONAL GROUP

We have the mission to provide diversified financial services to meet the need of MSME (microenterprises, small and medium sized enterprises) and their families and employees.

 

We have the vision to become the house bank of Malagasy entrepreneurs as well as their families. We are confident that the development of micro-entrepreneurs and SME is vital to the development and diversification of the Madagascan economy.  For that reason, the Bank will keep on supporting them through providing them with accessible and responsible finance as credit and financial services necessary for their development. It will result in job creation and greatly contribute to the reduction of poverty.

Nos actionnaires
Our history
2018JulyOPENING OF THE SECOND BRANCH IN MAJUNGA

In July 2018, the bank opened its second branch in Majunga: a SAFIRA branch. To date, AccèsBanque Madagascar has 28 agencies spread throughout Madagascar.

2017ACCESBANQUE MADAGASCAR 10 YEARS

During these 10 years, the total volume of credits allocated increased  from 6 billion to 114 billion Ariary, the number of accounts has evolved of more than 300%, passing from 48 000 to 198 000 accounts today, for a total deposit of 124 billion Ariary.

The bank now offers wide range of banking services for individuals and professionals: specific credits, accounts and money transfers.

2008-2016LAUNCH OF SPACE SAFIRA PREMIUM AND AGENTS KINGA

In 2016, the bank launched the project SAFIRA .It’s a One Stop Shop in which AccèsBanque guarantees satisfaction, security and discretion.

The year 2016 also marked launch of banking agents Kinga which is currently called Accès Cash.

2007February 7thOPENING OF THE FIRST BRANCH IN ANTANANARIVO

The bank opened its first branch on February 7th 2007 in the capital Antananarivo.

The Bank had 2 branches: Andavamamba and Antaninandro.

2006OctoberESTABLISHMENT OF ACCESBANQUE MADAGASCAR

AccèsBanque Madagascar (ABM) is a commercial bank established in October 2006 by AccessHolding. AccessHolding was established in 2006 in Berlin, in partnership with a group of local and international investors.

Access Microfinance Holding (AccessHolding) has a vision of financial sector that offers responsible financial services to all people with equal ambition for excellence and quality.

It operates a network of commercial banks and microfinance institutions in developing and transition countries with a target group focus on micro, small and medium-sized enterprises.

The group now forms a network of 10 banks and microfinance institutions in 10 different countries.

Members share strong corporate values which are transparency, non-discrimination, open communication, performance orientation, social responsibility and environmental protection.

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BRANCHES AND OUTLETS
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Products and services

Simple and accessible
  • CURRENT ACCOUNT – ZINA SAVINGS ACCOUNT – SAVINGS ACCOUNT FOR MINORS – VITRIKA SAVINGS ACCOUNT – VITRIKA+ SAVINGS ACCOUNT – TERM DEPOSIT – SAFIRA LIGHT CURRENT ACCOUNT (FOR BRANCHES OUTSIDE TANA)

    • Current account

    Optimize your daily time management through the simple and cheap current account

    1. Direct debit
    2. Check transactions
    3. National and international transfers
    4. Free transfers to other AccèsBanque accounts
    5. No minimum deposit required
    6. Free salary receiving
    7. Freely provided account balance and bank statement

    Secure savings annually remunerated at up to 7.5%

    1. Free and flexible savings account
    2. Progressive rate
    3. Monthly capitalization, only at AccèsBanque
    4. Easy access to your money
    5. No account balance required
    6. No minimum deposit required

    Open freely charge-free term deposit

     

    1. Minimum deposit 200 000MGA
    2. Attractive interest at the end of the agreed term
    3. Possibility to open several Term Deposits a time
    4. Investment of up to 3 years

    TO OPEN YOUR ACCOUNT, SIMPLY PROVIDE:

    • A proof of residence of less than 3 months
    • Your National Identity Card

     

    Visit the nearest branch for information on our pricing.

     

    Facilitate your business transactions or daily purchase through the means of payment that we put at your disposal

    • Bank transfer
    • Check (free)
    • Direct debit
    • And so on…

    For further details, please refer to our pricing

    INTERNATIONAL TRANSFER

    Simple, fast and secured

    1. Opening of an AccèsBanque account
    2. Receiving from and sending money to your relatives around the world

    Importers, this offer is designed for you!

    1. Transparent pricing,
    2. Flexible procedure,
    3. Prompt processing
    4. Reliable and secured service

     

    Approach the nearest AccèsBanque branch for further details

     

     


    New at AccèsBanque! Deposit in your term deposit account and offer health coverage to your family, and why not your employees.

    1. A minimum deposit of 2 500 000Ariary
    2. Term: 360 days,
    3. Interest paid at the term of the contract,
    4. Your relatives benefit from annual health coverage among AFAFI
    5. Appoint different beneficiaries for every 2 500 000 Ariary

     

    AccèsBanque agents simplify your life!

    • No more standing in line in branches,
    • Withdrawal and deposit outside the office hours

     

    You simply need to record your fingerprint among a client advisor in your AccèsBanque branch.

    Salaried people, ends of the months will be much less stressful with a salary advance!

    • Targets: salaried people, civil servants,
    • Salary > 150 000 Ariary,
    • Free destination of the loan,
    • Amount: 75 000 to 3 000 000 Ariary
    • Collaterals: salary domiciliation
    • Repayment period: renewable 1 year

    YOUR ADVANTAGES

    • Very simple procedure
    • Very diversified uses of the loan,
    • Transparent pricing,
    • Deposits and withdrawals among every AccèsBanque branch
    • An advisor at your disposition

    REQUIRED DOCUMENTS

    • National Identity Card,
    • 1 proof of residence of less than 3 months,
    • 1 recent passport size photo,
    • Proofs of the income source

     

    Approach the nearest branch for further details

     

    In need of more comfort and more space at home? AccèsBanque’s Housing loan is simple, fast and adapted to your needs.

    • Targets: salaried people, pensioners, civil servants, rental house owners,
    • Use of the loan: renovation, extension, finishing, land purchase
    • Amount: 1 000 000 Ariary to 40 000 000 Ariary
    • Collaterals: flexible
    • Repayment period: 3 to 36 months

    YOUR ADVANTAGES

    • Very simple procedure
    • Fast disbursement,
    • Transparent pricing
    • Adapted installments and repayment period
    • Deposits and withdrawal among all AccèsBanque branches
    • An advisor at your disposition

    REQUIRED DOCUMENT

    • National Identity Card
    • 1 proof of residence of less than 3 months,
    • 1 recent passport size photo
    • Proofs of income source

     

    Approach the nearest branch for further details

    In need of quick fund for your personal projects? AccèsBanque’s Consumer loan is for you.

    • Targets: salaried people, pensioners, civil servants, rental house owners,
    • Use of the loan: family events, travels, education, purchase of furniture, medical care ….
    • Amount: up to 15 times the net salary
    • Collaterals: salary, household appliances, furniture …
    • Repayment period: 3 to 36 months

    YOUR ADVANTAGES

    • Very simple procedure
    • Very diversified uses of the loan
    • Fast disbursement
    • Transparent pricing
    • Adapted installments and repayment dates
    • Deposits and withdrawals among all AccèsBanque branches
    • An advisor at your disposition

    REQUIRED DOCUMENT

    • National Identity Card,
    • 1 proof of residence of less than 3 months,
    • 1 recent passport size photo
    • Proofs of income source

     

    Simply submit your application and AccèsBanque does the rest.

    Does being independent from electricity interest you?

    Here is the solution: opt for solar equipment

    • Targets: salaried people, pensioners, civil servants XXXXXXX
    • Use of the loan: purchase of solar equipment from our partners
    • Amount: 1 000 000 Ariary to 40 000 000 Ariary
    • Collaterals: the purchased solar equipment
    • Repayment period: 3 to 36 months

    YOUR ADVANTAGES

    • Purchase of the equipment of your choice by installments
    • Amount between 1 500 000 Ariary and over 1 billion Ariary
    • Preferential rates
    • Repayment between 3 and 36 months
    • Quick disbursement
    • No additional collaterals
    • High quality solar equipment provided by our partners
    • Very simple procedure

    REQUIRED DOCUMENT

    • National Identity Card
    • 1 proof of residence of less than 3 months
    • 1 recent passport size photo
    • Proof of income source

     

    For further information, please contact 032 03 515 77

    Finally your home!

    • Targets: salaried people, pensioners, civil servants, rental house owners, traders, entrepreneurs, etc…
    • Loan destination: purchase of land, house, housing construction
    • Amount: 10 000 000 Ariary to more than 1 billion Ariary
    • Use of fund: renovation, construction or purchase of real estate
    • Collaterals: salary, household appliances, furniture …
    • Repayment period: 3 to 60 months

    YOUR ADVANTAGES

    • Very simple procedure
    • Quick disbursement
    • Transparent pricing
    • Adapted installments and repayment dates
    • Deposits and withdrawals among all AccèsBanque branches
    • An advisor at your disposition

    REQUIRED DOCUMENT

    • National Identity Card,
    • 1 proof of residence of less than 3 months
    • 1 recent passport size photo
    • Proof of income source

    Simply submit your application and AccèsBanque does the rest

  • CURRENT ACCOUNT – ZINA SAVINGS ACCOUNT – SAVINGS ACCOUNT FOR MINORS – VITRIKA SAVINGS ACCOUNT – VITRIKA+ SAVINGS ACCOUNT – TERM DEPOSIT – SAFIRA LIGHT CURRENT ACCOUNT

     

    • Current account

    Optimize your daily time management through the simple and cheap current account

    1. Direct debit
    2. Check transactions
    3. National and international transfers
    4. Free transfers to other AccèsBanque accounts
    5. No minimum deposit required
    6. Free salary receiving
    7. Freely provided account balance and bank statement

     

    Secure savings annually remunerated at up to 7.5%

    1. Free and flexible savings account
    2. Progressive rate
    3. Monthly capitalization, only at AccèsBanque
    4. Easy access to your money
    5. No account balance required
    6. No minimum deposit required

    Open freely charge-free term deposit

    • Minimum deposit 200 000MGA
    • Attractive interest at the end of the agreed term
    • Possibility to open several Term Deposits a time
    • Investment of up to 3 years

     

    TO OPEN YOUR ACCOUNT, SIMPLY PROVIDE:

    • A proof of residence of less than 3 months
    • Your National Identity Card

     

    Visit the nearest branch for information on our pricing.

    Facilitate your business transactions or daily purchase through the means of payment that we put at your disposal

    • Bank transfer
    • Check (free)
    • Direct debit
    • And so on…

    For further details, please refer to our pricing

    INTERNATIONAL TRANSACTIONS

    Simple, quick and secured

    1. Account opening at AccèsBanque
    2. Receiving from and sending fund to relatives all over the world through money transfer

    Importers and exporters, this offer is designed for you!

    1. Transparent pricing,
    2. Flexible procedure,
    3. Prompt processing
    4. Reliable and secured service

     

    Approach the nearest AccèsBanque branch for further details


    New at AccèsBanque! Deposit in your term deposit account and offer health

    coverage to your family, and why not your employees.

    1. A minimum deposit of 2 500 000Ariary
    2. Term: 360 days,
    3. Interest paid at the term of the contract,
    4. Your relatives benefit from annual health coverage among AFAFI
    5. Appoint different beneficiaries for every 2 500 000 Ariary

    AccèsBanque agents simplify your life!

    • No more standing in line in branches,
    • Withdrawal and deposit outside the office hours

     

    You simply need to record your fingerprint among a client advisor in your AccèsBanque branch.

    Realize your projects and even your dreams. AccèsBanque is here to support you.

    • Targets: Small and medium entrepreneurs of all activity sectors,
    • Amount: 1 000 000 to more than 1 billion Ariary
    • Loan destination: working capital (increase of stocks), investment (activity extension), personal (housing and other activities)
    • Repayment period: 3 to 36 months

    YOUR ADVANTAGES

    • Very simple procedure,
    • Very diversified uses of the loan,
    • Quick disbursement,
    • Transparent pricing,
    • Adapted installments,
    • Repayment period and mode as per your request,
    • Deposits and withdrawals among all AccèsBanque branches,
    • An advisor at your disposition,

    CONDITIONS

    • Activity of at least 6 months of existence,
    • Fundable activity as per the bank’s internal procedure,
    • Subject to assessment in compliance with the bank’s credit policy

    REQUIRED DOCUMENT

    • 1 proof of residence of less than 3 months,
    • National Identity Card,
    • 1 recent passport size photo
    • Proof of the existence of the activity

     

    Approach the nearest branch for further details

    For your need of cash exceeding your account balance, the overdraft allows you to benefit from overdraft facility at any time.

    • Targets: Small and medium entrepreneurs of all activity sectors,
    • Amount: 10% of last granted loan amount
    • Loan destination: cash facility
    • Repayment period: along with the outstanding loan

    YOUR ADVANTAGES

    • Very simple procedure,
    • No need of additional collateral
    • Fund available at any time
    • Use of fund depending on the needs

    FOR WHOM?

    • Activities of at least 6 months of existence,
    • Fundable activities as per the bank’s internal procedure,
    • Subject to assessment in compliance with the bank’s credit policy

    REQUIRED DOCUMENT

    • 1 proof of residence of less than 3 months,
    • National Identity Card
    • 1 recent passport size photo
    • Proof of existence of the activity

     

    Approach the nearest branch for further details.

    AccèsBanque Madagascar worries about the health of the Malagasy population. This is the motive for its particular support to actors in the health sector.

    • Targets: Physicians, dentists, owners of medical centers or clinics,
    • Amount: 1 000 000 to 500 000 000 Ariary,
    • Destination of the loan: activity extension, renovation of the premises, equipment purchase, etc…
    • Repayment period: 3 to 36 months

    YOUR ADVANTAGES

    • Special discount,
    • Purchase of medical equipment by installments from the partners of AccèsBanque,
    • Very simple procedure,
    • Fund available at any time,
    • Use of fund according to the needs

    REQUIRED DOCUMENT

    • 1 proof of residence of less than 3 months
    • National identity card
    • 1 recent passport size photo
    • Proof of existence of the activity

     

    Approach the nearest AccèsBanque branch for further details

    Finally your home!

    • Targets: salaried people, civil servants, rental house owner
    • Destination of the loan: purchase of land, house or construction
    • Amount: 10 000 000 to more than 1 billion Ariary,
    • Destination of the fund: renovation, construction or purchase of real estate
    • Collaterals: salary, household appliance, furniture, etc…
    • Repayment period: 3 to 36 months

    YOUR ADVANTAGES

    • Very simple procedure
    • Quick disbursement
    • Transparent pricing
    • Adapted installments and repayment dates
    • Deposits and withdrawals at all AccèsBanque branches
    • An advisor at your disposition

    REQUIRED DOCUMENT

    • 1 proof of residence of less than 3 months
    • National identity card
    • 1 recent passport size photo
    • Proof of existence of the activity

     

    Approach the nearest AccèsBanque branch for further details

    Does being independent from electricity interest you?

    Here is the solution: opt for solar equipment

    • Targets: salaried people, pensioners, civil servants XXXXXXX
    • Use of the loan: purchase of solar equipment from our partners
    • Amount: 1 000 000 Ariary to 40 000 000 Ariary
    • Collaterals: the purchased solar equipment
    • Repayment period: 3 to 36 months

    YOUR ADVANTAGES

    • Purchase of the equipment of your choice by installments
    • Amount between 1 500 000 Ariary and over 1 billion Ariary
    • Preferential rates
    • Repayment between 3 and 36 months
    • Quick disbursement
    • No additional collaterals
    • High quality solar equipment provided by our partners
    • Very simple procedure

    REQUIRED DOCUMENT

    • National Identity Card
    • 1 proof of residence of less than 3 months
    • 1 recent passport size photo
    • Proof of income source

     

    For further information, please contact 032 03 515 77

    AccèsBanque, the financial partner for Malagasy SME development, suggests solutions to all of your needs of funding

    • Loan from 40 000 001 to more than 1 billion Ariary
    • Quick disbursement
    • Dedicated advisor
    • Customized service

    Our team, pleased to serve and advise you.

     

    You simply need to approach the nearest AccèsBanque branch

     

    To simplify your activity at any time, the overdraft is at your disposition.

    • Need of cash exceeding your account balance
    • Cash facility from 10 000 000 Ariary available at any time

    For further details, please contact your advisor or approach the nearest branch

    In need of comfort, or more space? AccèsBanque offers the Housing loan, simple, quick and adapted to your needs

    • Targets: salaried people, pensioners, civil servants, rental house owner
    • Use of the loan: renovation, extension, finishing, purchase of land etc
    • Amount: 1 000 000 Ariary to 40 000 000 Ariary
    • Flexible collaterals
    • Repayment period: 3 to 36 months

    YOUR ADVANTAGES

    • Very simple procedure
    • Quick disbursement
    • Transparent pricing
    • Adapted installments and repayment dates
    • Deposits and withdrawals at any AccèsBanque branch
    • An advisor at your disposition

    REQUIRED DOCUMENT

    • National Identity Card
    • 1 proof of residence of less than 3 months
    • 1 recent passport size photo
    • Proof of income source

     

    Approach the nearest branch for further details

  •  

    SAFIRA current account

    Different accounts with pricing adapted to the volume of your transactions for your choice

    • Standard Safira current account
    • Illimited Safira current account

    3 investment options to make profit on your savings according to your deposited amount

    • Safira Gold savings account
    • Safira Platinium savings account
    • Safira Elite savings account

     

    Visit our Safira branches for further details: Antsahavola – Ambohibao – Andavamamba – Analamahitsy – Antsirabe

    Simplify your international transactions or daily purchase through the means that we put at your disposition:

    • Money transfer
    • Chèque (free)
    • Direct debit
    • Others…

    For further details, please refer to our pricing.

    Simple, quick and secured

    1. AccèsBanque account opening
    2. Receiving from and sending money to your relatives all over the world through money transfer

    Importers, this is for you!

    • Transparent pricing
    • Flexible procedure
    • Quick processing
    • Reliable and secured service

     

    Approach the nearest AccèsBanque branch for further details.

     


    New at AccèsBanque! Deposit in your term deposit account and offer health coverage to your family, and why not your employees.

    1. A minimum deposit of 2 500 000Ariary
    2. Term: 360 days,
    3. Interest paid at the term of the contract,
    4. Your relatives benefit from annual health coverage among AFAFI
    5. Appoint different beneficiaries for every 2 500 000 Ariary


    AccèsBanque agents simplify your life!

    • No more standing in line in branches,
    • Withdrawal and deposit outside the office hours

     

    You simply need to record your fingerprint among a client advisor in your AccèsBanque branch.

    AccèsBanque, the financial partner for Malagasy SME development, suggests solutions to all of your needs of funding

    • Loan from 40 000 001 to more than 1 billion Ariary
    • Quick disbursement
    • Dedicated advisor
    • Customized service

    Our team, pleased to serve and advise you.

     

    You simply need to approach the nearest AccèsBanque branch

    For the smooth running of your business at any time, the bank overdraft is at your disposal.

    • Need liquidity beyond your balance
    • Ease of cash from 10 000 000 Ariary available at any time

     

    For more details, contact your account manager or go to the nearest AccèsBanque agency.

     

    Are you a doctor, a dentist, or own a medical cabinet or a clinic, etc… And you are in need of funding for your profession?

    Enjoy a purchase of equipment on credit from 1 000 000 Ariary to 500 000 000 Ariary reimbursable in 3 to 36 months.

    Take advantage of a special discount as well as a purchase in credit from the bank’s partnered suppliers

     

    For more detail, visit the nearest AccèsBanque agency near you.

    You wish to renovate, build or purchase property?

    Benefit from a credit of 10 000 000 Ariary up to 1 Billion Ariary in order to give life your projects.

    Submit your loan request at the nearest agency and AccèsBanque will take care of the rest.

    Have you had more than enough of power outages and electricity bills constantly rising? Are you in a zone where electricity isn’t available?

    Here’s the solution: “purchase Solar Powered Material”.

    Purchase the material of your choice of a price of 1 500 000 Ariary up to over 1 billion Ariary via a credit-based payment at a preferential rate refundable in 3 to 36 months.

    Disbursement is quick and you are not required to provide additional collateral to obtain the credit. Quality solar material provided by our partners.

     

    For more information, contact 032 03 515 77

    Safira Espace Premium offers you privileged welcome in a secured space and where you are prioritized.

    YOUR ADVANTAGES

    • Dedicated advisor at your disposition
    • Distance bank
    • No waiting

     

    AccèsBanque so far has 5 Espaces Safira in:

     

    • Antsahavola
    • Andavamamba
    • Ambohibao
    • Analamahitsy
    • Antsirabe

     

    Approach any of these branches for further details

    The Safira Pack is a product designed for the maximum financial solution

    Business Pack

    1. Term loan
    2. Discoverd 10% of the granted
    3. Safira current account

    VIP Pack

    1. Term loan
    2. Discoverd 20% of the granted
    3. Unlimited Safira current account

    We have designed this packages to offer you the best price

  • CURRENT ACCOUNT – ZINA SAVINGS ACCOUNT – SAVINGS ACCOUNT FOR MINORS – VITRIKA SAVINGS ACCOUNT – VITRIKA+ SAVINGS ACCOUNT – TERM DEPOSIT – SAFIRA LIGHT CURRENT ACCOUNT

     

    • Current account

    Optimize your daily time management through the simple and cheap current account

    1. Direct debit
    2. Check transactions
    3. National and international transfers
    4. Free transfers to other AccèsBanque accounts
    5. No minimum deposit required
    6. Free salary receiving
    7. Freely provided account balance and bank statement

    Secure savings annually remunerated at up to 7.5%

    1. Free and flexible savings account
    2. Progressive rate
    3. Monthly capitalization, only at AccèsBanque
    4. Easy access to your money
    5. No account balance required
    6. No minimum deposit required


    Open freely charge-free term deposit

    1. Minimum deposit 200 000MGA
    2. Attractive interest at the end of the agreed term
    3. Possibility to open several Term Deposits a time
    4. Investment of up to 3 years

     

    TO OPEN YOUR ACCOUNT, SIMPLY PROVIDE:

    • A proof of residence of less than 3 months
    • Your National Identity Card

     

    Visit the nearest branch for information on our pricing.

    Facilitate your daily exchanges or purchases through the means that we put at your disposal:     

    • Transfer    
    •  Check (free)    
    •  Debit   
    • Etc…

     

    For more details we invite you to consult our pricing.

    New at AccèsBanque! Put money in a term deposit and offer health coverage to your loved ones and why not to your employees.

    1.   Minimum deposit of 2,500,000 Ariary
    2.     Duration 360 days
    3.     Interest paid at the end of the term
    4.   Give your loved ones an annual health coverage at AFAFI.
    5.     Benefit several people by splitting the amount of the DAT in installments of 2,500,000 Ariary.

     

    Accès Cash simplify your life!

    • No more standing in line in branches,
    • Withdrawal and deposit outside the office hours

    You simply need to record your fingerprint among a client advisor in your AccèsBanque branch.

    Through the “Ho an’ny Tantsaha” loan, AccèsBanque offers Malagasy farmers the opportunity to access to simple bank finance.

    Targets: Farmers

    YOUR ADVANTAGES

    • Installments based on your repayment capacity
    • Simple procedure and conditions
    • Quick answer
    • Simple document

    Approach the nearest AccèsBanque branch for further details

    Through the “FAFY” loan, you can now improve your agricultural productivity. Repay your loan after your production is sold.

    Targets: Farmers

    YOUR ADVANTAGES

    • Possibility to repay in 2 installments
    • Repayment after the sales of your products
    • Dedicated team to assist you
    • Simple procedure
    • Quick answer (within 2 days)

     

    Approach the nearest AccèsBanque branch for further details

    Group loan is possible at AccèsBanque.

    Targets: Farmers

    YOUR ADVANTAGES

    • Principle of solidarity
    • Principle of co-responsibility
    • Each member stands security for the others

     

    Approach the nearest AccèsBanque branch for further details

     

    Does being independent from electricity interest you?

    Here is the solution: opt for solar equipment

     

    • Targets: salaried people, pensioners, civil servants XXXXXXX
    • Use of the loan: purchase of solar equipment from our partners
    • Amount: 1 000 000 Ariary to 40 000 000 Ariary
    • Collaterals: the purchased solar equipment
    • Repayment period: 3 to 36 months

     

    YOUR ADVANTAGES

     

    • Purchase of the equipment of your choice by installments
    • Preferential rates
    • Quick disbursement
    • No additional collaterals
    • High quality solar equipment provided by our partners
    • Very simple procedure

     

    REQUIRED DOCUMENT

     

    • National Identity Card
    • 1 proof of residence of less than 3 months
    • 1 recent passport size photo
    • Proof of income source

     

    For further information, please contact 032 03 515 77

  • Conditions générales


    Conditions générales

    Voir conditions générales

Exchange rate
09/07/2019

 

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SUCCES STORIES
  • RAKOTONDRANDRIANASOLO Farmer - Beronono Imerintsiatosika

    We live on farming and agriculture. We cultivate rice, potatoes and grow poultry and pigs. We are farmers since our youth. We can live with our activity, like anybody else; we can ensure the scholarship of our children while fulfilling our family obligations and even afford purchasing equipment for our activity. Our clients are not specified. Our products are locally purchased and resold in Anosibe; and the remainder is sold in the market of Imeritsiatosika, the next village. The number of our employees remains stable; during the year they are between 40 and 50 depending on the season and the working conditions. When we did not have the equipment that we purchased through our loan, we already employed such number of people.

     

    We chose to partner with the bank as we needed fund. We needed the loan in order to buy animal food, pay for the salary of our employees, purchase fertilizer and poultry to grow.

     

    We are clients of AccèsBanque since 2013 when we consumed the “Ho An’ny Tantsaha” loan to develop our farming activities. Through this loan, we managed to ensure the scholarship of all of our children until the “bacc”. One of our daughters followed a 2 years’ study to become a midwife but she dropped it when she got married. However, we have fulfilled our mission as parents with the support of that loan. We also could afford purchasing equipment, a zebu in 2014, and another one in 2015, and a cart in 2016.

     

    Through the loan, we are quieter: I have no problem on every aspect of life. If I need money, I do not necessarily need to dig for potatoes, I simply rent my cart and it’s OK. My daily life has really become simpler. Now we plan to develop our lands. We plan to fence and rehabilitate our pigsty. We would like to continue working with the bank. Everything has gone very well; and AccèsBanque has a lot contributed in the amelioration of our daily life. In the future, we would prefer if the bank charged less interest rate. It also would be great if the bank suggested us specific offers as loyal clients.

  • RANDRIAMBOLATIANA ROGER Retailer - Alasora

    My activity consists in selling general merchandise, staple food and daily needed items since 2004.

     

    I have been working with AccèsBanque since 2007, 10 years then. In the beginning, we were a bit afraid of contracting a loan; but our good relationship with AccèsBanque ensured us. Our stocks at that time were evaluated at around 100 000 Ariary, and now our trouble belongs to the past.

     

    At the beginning, my wife and I managed our grocery by ourselves and now we employ 3 additional people.

     

    What encouraged us to become clients of the bank were the loan products that they offered. We started with a loan contract with AccèsBanque and then we opened a savings account. We were able to develop our activity and improve our living through that, and thanks to their advice and the quality of their services. It is great to partner with them.

     

    We used the loan to supply with stocks and purchase the premise we use as a grocery; in the beginning, we were tenants and now we are landlords. We have even managed to build our own house. Through the savings, me managed to purchase a refrigerator and a freezer, and sell then fresh products.

     

    We lead a better life thanks to AccèsBanque, we are relaxed.

     

    I have a project to build an Espace (for reception, marriage, seminar etc…) and to realize it I think of partnering with the bank as I managed to ameliorate my life and work through them. The bank has greatly supported me in our projects. I expect that AccèsBanque keeps such a relationship of trust.

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