Organization Structure

MEROMICROFINANCE is structured in Four distinct tiers: The Head Office , Province Office , Monitoring Office and Branch Offices in the field.

Head Office Composition:

The (Chief Executive Officer) CEO leads and directs the Deputy CEO (DCEO), while the line managers,leads and directs the departments like Human Resources, Administration, Finance,IT, Credit, and other internal departments and report to the DCEO.

Province Office Composition:

• 4 Province Offices: These offices oversee the operations of the 7 provinces.
  • Each Province Office is responsible for monitoring and controlling the overall operations in their assigned provinces.
  • 3 Monitoring and Supervision Officers: These officers are assigned by the Head Office to supervise the 4 Province Offices. Their role is to ensure that the province offices are operating smoothly.

Monitoring Office Composition:

• 19 Monitoring Offices: These are the operational units that monitor and manage the day-to-day activities of the branches.
  • Each monitoring office works under the supervision of one of the 4 Province Officers.
  • The Monitoring officers in these offices are responsible for controlling and supervising the operations of 149 branches in total.
  • Branch-to-Officer Ratio: Each monitoring officer typically manages an average of 7-8 branches.

Branch Composition:

MEROMICROFINANCE is a decentralized institution, each branch acts as its own cost and profit center, which encourages efficient use of resources. Responsibility lies on the branch to achieve the optimum at the least cost possible and generate revenue in the form of interest as much as possible. The branches have the freedom to carry out all these activities following the MEROMICROFINANCE’s Operating Manual. Each branch has one Branch Manager (BM), three to four Field Assistant on average.

Each Field Assistant is responsible for overseeing between 100 and 140 groups comprising of 500 – 700 members. Depending on the number of Field Assistants working in a branch, each branch can have between 300 and 600 groups totaling between 1,500 to 3,000 members. Field Assistants are responsible for conducting centre meeting and maintaining daily accounts/MIS and Branch Manager is branch and transactional accounting. Each branch has five years business plan and based on that prepares its own annual work plan with fiscal targets and cash flow projection.