Asociación Guatemalteca para el Desarrollo

Misión:

Contribuir al desarrollo económico sostenible de las familias pobres con potencial empresarial

Antecedentes y principales retos:

Ser una organización especializada en microfinanzas y formación empresarial,con cobertura geografica estratégica,sistemas automatizados ,recurso humano competitivo y con clientes económicamente desarollados y sostenibles.

Dirección:

1a. Ave 2-36, zona 2

Chimaltenango

Guatemala

Teléfono:

(502) 7839 2307

Fax:

(502) 7839 5847

Correo electrónico:

gtm_agudesa [at] wvi [dot] org

Principales fuentes de financiamiento:

Grants

Loans

Productos y servicios:

Loans

Buscar (Tipos de Inversión):

Loans in Local Currency

Capacity-Building Grants

% 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)
Clients living in rural areas	1
Women	2
Clients living in urban areas	3
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Poverty reduction	1
Increased access to financial services	2
Gender equality and women's empowerment	3
Employment generation	4
Growth of existing businesses	5
Development of start-up enterprises	6
Children's schooling	7
Youth opportunities	8
Improvement of adult education	9
Health improvement	10
Housing	11
Water and sanitation	12
+ Poverty targets
Poor 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
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ 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).
Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
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
Declining balance interest method
+ Social responsibility to staff
+ Human resources
Transparency on salary (a clear salary scale based upon market salaries)
Benefits (medical insurance, pension contribution)
Protection at work (safety, anti-harassment)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
Protección de la niñez, Toma de Rehenes, Conflicto de intereses, Manual del Empleado
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Client retention/drop-out rate
Portfolio quality
+ Social responsibility to the environment
+ Poverty measurement tools in use

Organizaciones relacionadas

Current
Nombre	Relación
REDCAMIF	Network Affiliation
REDIMIF	Network Affiliation
Vision Fund	Network Affiliation
World Vision	Network Affiliation

MFI Report