Asociación para el Desarrollo Integral Comunitario de Honduras

Misión:

Apoyamos el desarrollo de nuestro pais mediante la ejecución de programas de microfinanzas, salud y actividades comunitarias, a objeto de lograr una mejoría en el nivel de vida de las familias meta y las comunidades propiciando la sostenibilidad institucional y la de nuestros clientes.

Antecedentes y principales retos:

1) Incentivar la transparencia de tecnología que permita incrementar la producción y productividad de los recursos disponibles para mejorar la situación socioeconomia de los sectores menos favorecidos de la población hondureña. 2) Mejorar el nivel de vida de la población rural y urbana ... Leer más

Dirección:

Barrio la Hoya, contiguo a Radio Juticalpa

Juticalpa

Olancho

Honduras

Teléfono:

(504) 785-1542

Fax:

(504) 785-1542

Correo electrónico:

adich_opdf [at] yahoo [dot] es

Principales fuentes de financiamiento:

Grants

Loans

Savings

Shareholder Capital

Productos y servicios:

Loans

Training and Consulting

Productos:

Individual, Village Bank, and Solidarity Group loans. Voluntary Savings.

Servicios proporcionados:

Business Development Services

Health

Education

Other

Buscar (Tipos de Inversión):

Loans in Local Currency

Donations

Loans in US$

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 1995

Fin de año fiscal:

31-Dec

Current Legal Status:

NGO

Regulada:

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Women	1
Clientes microempresarios	1
Clients living in urban areas	2
Clients living in rural areas	2
+ Development goals (ranked by importance)
Employment generation	1
Poverty reduction	1
Increased access to financial services	1
Health improvement	2
+ Poverty targets
Low income clients
+ Governance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
SME loans
Loans for agriculture
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary health insurance
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
Comercialización y asistencia técnica a las Empresas Rurales de Ahorro y Crédito ECAC´s
+ Education services offered
Financial literacy education
+ Health services offered
Basic medical services
+ Women's empowerment services offered
+ 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).
A mechanism to handle customer complaints is in place, has dedicated staff resources, and is actively used. (Suggestion boxes alone are generally not considered adequate.)
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
+ Cost of services to clients
Flat interest method
+ Social responsibility to staff
+ Human resources
Benefits (medical insurance, pension contribution)
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Portfolio quality
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)

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Nombre	Relación
MFSI	Vendor
Oikocredit	Funding
Red Katalysis	Network Affiliation
REDCAMIF	Network Affiliation
REDMICROH	Network Affiliation

MFI Report