Organization Structure

Head Office Composition

The Chief Executive Officer (CEO) leads and directs the Deputy Chief Executive Officer (DCEO). Line managers lead and manage departments like Human Resources, Administration, Finance, IT, Credit, and other internal departments, reporting to the DCEO.

Province Office Composition

• 5 Province Offices: Oversee operations across the 7 provinces.
• Responsible for monitoring and controlling overall operations in their assigned provinces.
• 3 Monitoring and Supervision Officers: Assigned by Head Office to supervise the 5 Province Offices and ensure smooth operations.

Monitoring Office Composition

• 19 Monitoring Offices: Manage day-to-day branch activities.
• Each office works under the supervision of one of the 4 Province Officers.
• Monitoring officers control operations of 149 branches in total.
• Branch-to-Officer Ratio: Each officer manages 7-8 branches on average.

Branch Composition

MEROMICROFINANCE is decentralized. Each branch acts as its own cost and profit center, ensuring efficient resource use. Branches are responsible for optimal performance at minimal cost and generating revenue through interest. All activities follow the MEROMICROFINANCE Operating Manual.

Each branch has one Branch Manager (BM) and 3–4 Field Assistants. Field Assistants oversee 100–140 groups totaling 500–700 members each. Depending on staffing, branches manage 300–600 groups (1,500–3,000 members). Field Assistants conduct center meetings and maintain daily accounts/MIS, while the Branch Manager handles branch and transactional accounting. Each branch has a five-year business plan and prepares an annual plan with fiscal targets and cash flow projections.