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Missions and objectives

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  • Help fight unemployment and precariousness in urban and rural areas by promoting self-employment, home-based work and crafts, especially among female populations.

  • Raise awareness among rural populations in their areas of origin through the emergence of  production of goods and services businesses, that generate income and employment

  • Developing entrepreneurial spirit that would replace the assistantship and help to social integration and personal development of people

  • Support, advise and assist beneficiaries in the implementation of their small businesses, especially concerning the financing of their projects and during the exploitation phase as well.

  • Monitoring the beneficiaries small businesses ensuring that the agreements and contracts between them and ANGEM are respected.

  • Training project backers and micro loans beneficiaries in mounting techniques and income generating business management, as well as in very small businesses.

  • Organizing exhibitions-sales to support marketing of microcredit products.



  • Managing the microcredit device in accordance with the legislation and regulation in force.

  • Supporting, advising and assisting the beneficiaries in the implementation of their activities.

  • Granting interest-free loans.

  • Notifying the beneficiaries whose projects are eligible to the device of the aid  granted to them.

  • Monitoring the small businesses realised by beneficiaries  ensuring compliance with the book of specifications that  connect them to the agency and assisting them, if necessary, with the institutions and agencies concerned by the implementation of their projects.

  • Establishing a database on the small businesses created and on the beneficiaries of the program

  • Advising and assisting the beneficiaries of the microcredit during the financial set-up and the credit mobilization.

  • Maintain ongoing relationship contact with the banks and the financial institutions within the framework  of the projects’ financial setting-up, the implementation of the financing plan, and  monitoring the implementation and  operation of projects  and participate in the recovery of the outstanding debts on time.

  • Concluding agreements with any organization or institution aimed to conduct, on behalf of the agency, information campaign, actions of awareness and support to the microcredit’s beneficiaries in the implementation of their small businesses.

  • Organization of local and national exhibitions of microcredit products.

  • Training staff in charge of managing the microcredit program.

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Angem coordinate

  • National Agency for Microcredit Management "ANGEM"
  • Cité 1516 Logts (AADL) Aïn El Malha Tours N° H1-H2-H3 CP: 16105
  • Gué de constantine Alger Algérie
  • Email:  contact@angem.dz
  • Site Web: https://www.angem.dz

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