Micro Credit



Financial Guarantees

Our Participations & Partnership

Micro Credit


Client Access

Organisations Internationales
Liées Au Projet De

Food And Agriculture Organization
Of The United Nations


Programme Des Nations Unies
pour le développement

Banque africaine
de développement

Conseil Européen

des nations unies


Our offices

Bahamas (Nassau)
Belgium (Brussels)
Bermuda (Hamilton)
France (Paris)
French West Indies (Guadeloupe, Sint Maarten, Saint Martin)
Guinea Bissau (Bissau)
Ireland (Dublin)
Mali (Bamako)
Portugal (Agueda, Lisboa)
Principe Of Luxemburg (Luxembourg)
Singapour (Singapour)
Switzerland (Geneva, Zurich)
Togo (Lomé)
UAE (Dubaï)
UK (London, IOM, Channel Islands)
USA (Los Angeles, Washington, Boston)

Contact us

Schneider Brothers & Partners ltd

16 Milford House,
Queen Anne Street,
London W1G 9HN

(+44) 7924567356
Fax: (+44) 2030311334


Micro credit activity

Since 2001 The SBP Fund has decided to commit 10% of its Net Assets to humanitarian projects.

Our capacity to carry out or to behave as financiers has understandably led us to study how we could intelligently give assistance internationally to those most unprivileged on our planet.

Out of this were conceived Finance Equitable (OFE) and also the Micro Credit Business (MCB).


In 2002, the Schneider Brothers & Partners group Schneider signed a very important Cooperation associative agreement with the Cooperative Mutuelle de Micro Credit & Micro Financement, entitled as COMDEV FINANCAS.

Finance Equitable was born from this association with the aim to invest group funds controlled by FAO (Food and Agricultural Organisation for United Natios) and the PNUD (United Nations Development Program) – in Micro financing for long term development in Africa and Asia.

The provisional budget for investing in Micro Credits for 2012 is 7 million Euros, to be increased to Euros 15million in 2013 with the Micro Credit Support.

Finance equitable concept

At the dawn of the 21st century, entitled as ‘solidarity’ century, the real economic vehicle and guaranteeing factor for true development in Africa, remains, above all, in the rural agricultural area and also small businesses.
Support in these sectors can ensure Africa’s long term development. Equitable finance has perfectly understood this in trying to enable small businesses to obtain improved sales margins and more importantly, to give them the chance to invest and develop their business. .
Equitable Finance is based on the same concept, in financing its Micro project, in giving support to basic economic fabric and assist in development of PIB (produit interieur brut)of developing countries and consolidated support for their long term development.
Unfortunately, this activity is extremely complex to develop due to distance and the relative structures for us and our clients; by lack of commercial and trade development, very often subject to the political and economic change in those countries which shelter us.
Effectively, in all developed countries, those who loan money are clearly identifiable with easy access to them and also the banks and financial organizations.
In Africa, Asia or South America, these lending structures (when they exist or have funds)are often very far away from their clients, isolated in villages, far from the towns where they are situated. It is therefore virtually impossible to travel thousands of kilometers to exercise efficient controls over the use of the micro credits.
So in 2012 a new activity was created by SBP investment fund emanating from original Micro Credit Business, which will be operational in early 2013.

In targeting the small business enterprises and no longer individual financing, we have focused on the problems created by these extreme distances for clients and lenders. .
To resolve this, we have contacted a certain number of organizations and salaried employees in 3 pilot countries in Africa, with enthusiastic reception.
This new project which has a budget of 15 million pound sterling, authorized by the management board, will be spread over 3 guarantee funds, 5 million each fund for each of the pilot countries.

How micro credit business functions ?

Each company wishing to borrow makes an application to the local OFE with original set of documents summaries and reduced as the financing is a micro credit and not a normal loan request.
The loan application is compiled by one of the accountants in a local OFE, in conjunction with the Head of the company requesting the loan. This will be endorsed by the OFE Manager if he is in agreement.
All this is achieved electronically within 48 hours.
Once agreed, for a maximum of 15K, the first installment of 6 monthly payments will be made to the bank of the borrowers company, after the signature of the loan agreement. Each month, the borrowing company must submit accounts to OFE to be verified by the independent accountant, who confirms (or not) and advises the Head of the local OFE. If the report is negative and unfavorable , a delay 1 month is given to the company to be represented to the OFE in order to try and continue the monthly payment.
If approved, the micro credit is reimbursed in 6 months after the end of the first quarter. The last installment will be made by equitable finance.
When the loan is fully repaid, the company can re apply after 6 months for a new loan.