{"id":16444,"date":"2021-11-19T09:51:30","date_gmt":"2021-11-19T08:51:30","guid":{"rendered":"https:\/\/www.gca-foundation.org\/?p=16444"},"modified":"2025-02-23T18:27:12","modified_gmt":"2025-02-23T17:27:12","slug":"interview-humo-beneficiaire-du-programme-banquiers-solidaires","status":"publish","type":"post","link":"https:\/\/www.gca-foundation.org\/en\/interview-humo-beneficiaire-du-programme-banquiers-solidaires\/","title":{"rendered":"[INTERVIEW] Humo, b\u00e9n\u00e9ficiaire du programme Banquiers Solidaires"},"content":{"rendered":"
\"\"

\u00a9 EBRD<\/p><\/div>\n

Solidarity Bankers<\/a> is a skills volunteering program launched by the Grameen Cr\u00e9dit Agricole Foundation and Cr\u00e9dit Agricole SA in 2018 with a dual objective: on the one hand, to support microfinance institutions and social impact businesses financed by the Foundation with technical assistance, and on the other hand, to promote the skills of Group employees who wish to get involved in projects with a strong social impact.<\/p>\n

HUMO<\/a> is a microfinance institution in Tajikistan that aims to support vulnerable and underserved populations living in rural areas through financial and advisory services for small businesses. It was supported in 2020 by Julien Leroy, Innovation Leader at CA-CIB.<\/p>\n

A look back at the program with an interview with Firdavs Mayunusov, Financial Manager at HUMO. <\/strong><\/p>\n

1) Why was optimizing your business model important for your institution?<\/strong><\/p>\n

The financial sector has long been one of the most conservative and non-digitized industries in the world. Experience shows that the introduction of innovations and new technologies significantly increases competitiveness and improves customer experience. However, in order to develop cutting-edge innovations and solutions, it is necessary to rethink the business model and organizational structure of our institution.<\/p>\n

Humo was founded 17 years ago to improve access to finance and social development in Tajikistan. Today, financial product requirements are evolving rapidly. Transitioning from a microfinance institution to a technology company is essential. It's key to achieving our mission and unlocking the region's potential. Therefore, we've begun our digital transformation and are making the company's structure more flexible and product-oriented.<\/p>\n

2) What did you expect from the Solidarity Banker? Did the results match your expectations?<\/strong><\/p>\n

We expected the Solidarity Banker to provide us with advice and guidance on the company's transformation. Thanks to him, we were able not only to understand our weaknesses, but also to find new growth opportunities and strengthen our business model. Today, two years later, we have implemented most of the recommendations and launched the digital transformation. We were able to take a fresh look at the business model and develop a transformation strategy. The results of the mission exceeded our expectations.<\/p>\n

3) What were the priorities defined following the recommendations made?<\/strong><\/p>\n

We reflected on the role of innovation and organizational change in business development. Flexibility and speed are essential for our company to be competitive in the market. So, we opened a new Product Department to manage cutting-edge financial solutions. Then, we began rethinking the customer experience and opened a sales department. Finally, we embarked on a digital transformation and implemented agile methodologies. This has allowed us to become one of the most technologically advanced players in the market.<\/p>\n

4) 2 years and a few waves of Covid-19 later, what remains of the Solidarity Banker at Humo?<\/strong><\/p>\n

Over the years, Humo has changed its organizational structure, strengthened its business model, and identified opportunities. It optimized core business processes and minimized bureaucracy. The company became more agile, strategically focused, and launched several digital products. We attracted new user segments and became one of the leading FinTech companies in Tajikistan. Thanks to the Solidarity Banker, Humo was able to choose the right development path and realize its growth potential. Today, Humo is undeniably one of the market leaders despite the challenges of Covid-19, legislation, and socio-economic development.<\/p>","protected":false},"excerpt":{"rendered":"

Banquiers Solidaires est un programme de volontariat de comp\u00e9tences lanc\u00e9 par la Fondation Grameen Cr\u00e9dit Agricole et Cr\u00e9dit Agricole S.A. en 2018 avec un double objectif : d\u2019une part, accompagner avec de l\u2019assistance technique les institutions de microfinance et les entreprises \u00e0 impact social financ\u00e9es par la Fondation, d\u2019autre part, valoriser les comp\u00e9tences des collaborateurs […]<\/p>\n","protected":false},"author":7,"featured_media":16443,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"pays-actualite":[857],"types-publications-media":[],"class_list":["post-16444","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite","pays-actualite-tadjikistan"],"acf":[],"yoast_head":"\n[INTERVIEW] Humo, b\u00e9n\u00e9ficiaire du programme Banquiers Solidaires - Fondation Grameen Cr\u00e9dit-Agricole<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gca-foundation.org\/en\/interview-humo-beneficiaire-du-programme-banquiers-solidaires\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[INTERVIEW] Humo, b\u00e9n\u00e9ficiaire du programme Banquiers Solidaires - 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