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  • A Propos
  • A propos
  • Cim Finance

A propos

Cim finance

Notre philosophie
Notre principale priorité est d’améliorer le quotidien de nos clients et de les aider à bâtir un avenir meilleur.

En tant qu’institution financière non-bancaire, Cim Finance a développé des produits de consommation et des services innovants pour améliorer la qualité de vie des communautés moins privilégiées alors que nos solutions pour les petites et moyennes entreprises leur donnent l’opportunité de prendre un bon départ et/ou de booster leur croissance. Nos facilités de crédit aident les individus à améliorer leur confort et leur style de vie alors que nos solutions pour les entreprises aident à créer des milliers d’emplois…

Nous sommes conscients de nos engagements envers nos multiples partenaires et nous nous efforçons de toujours leur fournir de la valeur ajoutée. Nous nous engageons à prendre soin de tous nos clients tout en les aidant positivement et en fournissant de la valeur sociale aux communautés autour de nous. Nos services sont conçus pour être à faible coût, d’accès facile, différents des pratiques traditionnelles et incroyablement simples à utiliser. Notre expertise locale, doublée de notre cadre technologique innovant, démontre que nous sommes toujours prêts à développer de nouveaux produits qui comblent les besoins uniques de notre clientèle croissante…

Capital humain

Nous prenons soin de notre personnel qui est, selon nous, notre atout le plus précieux, la pierre angulaire de notre existence et notre moteur de croissance. Nous croyons que l’engagement fleurit dans un environnement où cohabitent l’énergie, la confiance, les défis, le développement personnel et l’équité.

Collaboration

Nous travaillons comme un seul corps. Nous croyons dans la puissance du travail en commun comme la seule manière de progresser et d’évoluer vers un avenir meilleur.

Intégrité

Nous faisons ce qui est bien. Nous gérons notre entreprise avec le plus grand respect pour des normes élevées de conduite et d’éthique professionnelles.

Focalisation sur le client

Nous voyons le monde à travers les yeux de nos clients. Nous nous employons à prendre soin de tous nos clients d’une manière très proactive et nous nous engageons à améliorer leur style de vie.

Innovation

Nous sommes en constante évolution. Nous anticipons le changement et nous lui donnons forme pour qu’il s’adapte à nos objectifs. Nous nous engageons à être à l’avant-garde dans un environnement qui change rapidement, en repensant constamment nos produits et services pour devancer les besoins de nos clients.

CIM Financial Services Ltd, trading as Cim Finance, is the largest non-banking financial institution in Mauritius. It is regulated by the Financial Services Commission, listed on the Official Market of the Stock Exchange and is licensed as a Payment Service Provider with the Bank of Mauritius to conduct payments activities.  Driven by its mission to uplift their lives and build better futures, Cim Finance has developed a wide range of flexible financing solutions suitable for individuals, SMEs and large businesses. The group has over 800 employees across Mauritius, Rodrigues and Kenya and operates across two main clusters namely; the Finance cluster and the Investment cluster.

Finance Cluster

    • Consumer Finance

Cim Finance initiated its Consumer Finance activities in 1987 and now offers credit finance solutions for the acquisition of products and services as well as unsecured credit facilities with flexible repayment periods.. A network of over 100 retail Points of Sale and 700 authorised merchants support its Consumer Finance activities across the Mauritius and Rodrigues.

Over the years, Cim Finance continued to strengthen its digital capabilities, as evidenced by the innovative products and services it has launched: a behavioural credit scorecard, designed to make more accurate data-driven decisions, a user-friendly mobile app to enable remote payment, a WhatsApp service for credit applications, a Digital Lending Ecommerce solution, the first of its kind in Mauritius, which fully integrates into a merchant-partner’s e-commerce website.

    • Cards & Payments

Cim Finance offers acquiring services for Visa, MasterCard and Union Pay and issuing services for Visa and MasterCard. Cim Finance is the first non-banking financial institution in Sub-Saharan Africa to be a principal member of Visa, and MasterCard. Through its partners, it also offers merchants across Mauritius a comprehensive range of acquiring solutions that can be customised to their unique needs.

    • Insurance

In collaboration with Mauritius Union Assurance, Cim Finance has developed a credit protection plan, designed to protect its customers against unforeseen circumstances. This service is available for all credit purchases made through Cim Finance.

    • Leasing

In 1996, Cim Finance became the first player to introduce leasing activities in Mauritius, through which individuals, entrepreneurs, SMEs and large corporations can lease vehicles and equipment. In 2021, Cim Finance pioneered a Green Lease scheme to support and encourage the purchase of environmentally friendly vehicles and equipment at attractive interest rates. In line with its strategic intent to complement its current portfolio, Cim Finance acquired Tsusho Capital (Mauritius) Limited in 2022, a company engaged in vehicle leasing on the Mauritian Market since 2009.

    • Factoring

True to its spirit of being a forerunner in its industry, Cim Finance introduced recourse Factoring services to Mauritians in 2004. Over the years, it has evolved its offering to include non-recourse and international factoring—all aimed at helping businesses improve their cash-flow so they can, focus on growing their business. Underpinning these operations is a state-of-the-art platform, Aquarius, which delivers the capabilities, insights and customer service required to meet the fast-growing demand for factoring.

Investment Cluster

    • Cim Credit Kenya

Cim Finance’s first entry into the African continent was through Kenya, where it set up Aspira, a wholly owned subsidiary operating in the Hire Purchase segment. Launched in 2018, Aspira’s mobile app offers Kenyan customers a quick and convenient way to apply for credit and obtain information on their loan status and payment updates —all through their iOS or Android smartphone.

    • Fundkiss

In a move that combines its ambitious SME Strategy and Digitalisation Strategy, Cim Finance acquired a minority stake in Fundkiss, the first peer-to-peer lending platform in Mauritius. Through this strategic investment, Cim Finance is able to reach a greater number of SMEs and play a meaningful role in their growth so they can serve their purpose as major engines of the Mauritian economy.

  • Credit purchase
  • Unsecured credit facilities
  • Credit card issuing and acquiring – MasterCard and Visa
  • Vehicle and equipment leasing
  • Factoring (receivables financing) and credit insurance
  • POS terminals for debit and credit cards
  • Online payment gateway for e-commerce acquiring on merchant sites
  • 2020

    Launch of Mo Finans Mobile App
  • 2019

    Launch of International Factoring
  • 2018

    Launch of Travel Loan (Cim Voyage)
  • 2017

    Launch of new brand identity
  • 2016

    Lancement de Cim Mokart
  • 2015

    Lancement des facilites de crédit (Cim MoCrédit)
  • 2014

    Lancement des cartes de crédit UPI - Classic, Gold & Business
  • 2013

    Lancement du service Cim Finance Connect
  • 2012

    Lancement de la page Facebook de Cim Finance
  • 2011

    Lancement des cartes de crédit Visa Classic & Gold et MasterCard Titanium
  • 2010

    Crédit Protection Plan disponible sur les ventes à tempérament

    Migration des cartes vers la technologie micro-puce
  • 2009

    Cim Finance est certifié aux normes ISO 9001:2008
  • 2008

    Installation des terminaux de paiement électronique pour cartes de débit et crédit MasterCard
  • 2007

    Les opérations de leasing certifiées aux normes ISO 9001:2000
  • 2006

    Lancement du service factoring sans recours
  • 2005

    La première institution non-bancaire d’Afrique australe à être accréditée Mastercard
  • 2004

    Lancement du service factoring avec recours
  • 2003

    Lancement de la première carte de crédit privative – Mojoker
  • 1996

    Une des premières institutions à offrir le Leasing à Maurice
  • 1987

    Lancement des activités de crédit (ventes à tempérament)