INPUTS FINANCIAL CAPITAL • Shareholders’ funds • Reinvestment • Debt RELATIONSHIP CAPITAL • Wide network of merchants • Visa and MasterCard accreditation HUMAN CAPITAL • Diversified, competent and engaged workforce • Continuous development • Strong leadership team INTELLECTUAL CAPITAL • Branding • Innovation • Values MANUFACTURED CAPITAL • Proprietary scorecard • Network of counters SOCIAL & NATURAL CAPITAL • Corporate Social Responsibility • Responsible lender • Partnership with the Government for SMEs Value Creation Model OUR ACTIVITIES & OPERATIONS Credit facilities to individuals for the purchase of mobile phones, consumer electronic goods and furniture Personal unsecured loans to individuals to finance projects or personal requirements Credit protection plan to protect customers against unforeseen circumstances Cards and Payment Solutions Solutions for the acquisition of vehicles and equipment Help SMEs meet their cashflow needs through our Factoring services STRATEGIC IMPERATIVES Sustainable Growth Operational Excellence 12 CIM FINANCE ANNUAL REPORT
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