Asociación Costarricense para organizaciones de Desarrollo

Misión:

ACORDE como agente de cambio para la generación de riqueza y capacidad empresarial del sector MIPE de Costa Rica.

Antecedentes y principales retos:

a) Crecer en un mercado competitivo. B) cobertura geográfica c) retener el talento

Dirección:

Calle 3 Avenida 5 y 7, 150 mts al norte del automercado, San José centro

San José

104-2070 Sabanilla

Costa Rica

Teléfono:

(506) 2256-4901

Fax:

506-2256-7873

Correo electrónico:

info [at] acorde [dot] or [dot] cr

Website:

www.acorde.or.cr

Productos y servicios:

Loans

Voluntary Savings

Servicios proporcionados:

Business Development Services

Buscar (Tipos de Inversión):

Loans in Local Currency

Loans in US$

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 1987

Fin de año fiscal:

31-Dec

Current Legal Status:

NGO

Regulada:

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Clients living in urban areas	1
Women	2
+ Development goals (ranked by importance)
Growth of existing businesses	1
Increased access to financial services	1
+ Poverty targets
No specific poverty target
+ Governance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
Business development services
+ Education services offered
Financial literacy education
+ Health services offered
+ Women's empowerment services offered
Leadership training for women
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
+ Social responsibility to clients
+ Client protection principles in use
The loan approval process requires evaluation of borrower repayment capacity and loan affordability. Loan approval does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
Internal audits check household debt exposure, lending practices that violate procedures including unauthorized re-financing, multiple borrowers or co-signers per household, and other practices that could increase indebtedness.
Productivity targets and incentive systems value portfolio quality at least as highly as other factors, such as disbursement or customer growth. Growth is rewarded only if portfolio quality is high.
Prices, terms and conditions of all financial products are fully disclosed to the customer prior to sale, including interest charges, insurance premiums, minimum balances, all fees, penalties, linked products, third party fees, and whether these can change over time.
Staff is trained to communicate effectively with all customers, ensuring that they understand the product, the terms of the contract, their rights and obligations. Communications techniques address literacy limitations (e.g. reading contracts out loud, materials in local languages).
+ Cost of services to clients
Flat interest method
+ Social responsibility to staff
+ Human resources
Transparency on salary (a clear salary scale based upon market salaries)
Protection at work (safety, anti-harassment)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Quality of interaction with clients based on client feedback mechanisms
Client retention/drop-out rate
Portfolio quality
+ Social responsibility to the environment
+ Poverty measurement tools in use

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