Sociedad de Ahorro y Crédito Apoyo Integral S.A.

Misión:

Somos una empresa rentable especializada en microfinanzas, con personal comprometido que entiende y satisface las necesidades de sus clientes, ofreciéndoles productos y servicios financieros que fomenten su desarrollo, en una forma accesible, ágil y oportuna, en todo el territorio Salvadoreño.

Antecedentes y principales retos:

Ser la primera sociedad de Ahorro y Crédito en El Salvador, especializada en Microfinanzas. Ampliar la cobertura y profundización en el territorio nacional. Realizar la primera emisión de Títulos Valores y ampliar la oferta de microseguros. Continuar contribuyendo a la disminución del nivel de ... Leer más

Dirección:

Alameda Roosevelt y 47 Avenida Sur, Colonia Flor Blanca

San Salvador

El Salvador

Teléfono:

(503) 2250-6000

Fax:

(503) 2250-6019

Correo electrónico:

oficina [dot] central [at] integral [dot] com [dot] sv

Website:

www.integral.com.sv

Principales fuentes de financiamiento:

Loans

Shareholder Capital

Productos y servicios:

Loans

Servicios proporcionados:

Business Development Services

Buscar (Tipos de Inversión):

Loans in Local Currency

Donations

Guarantees

Capacity Building Grants

Equity investments

Loans in US$

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 1990

Fin de año fiscal:

31-Dec

Current Legal Status:

NBFI

Regulada:

yes

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Clients living in rural areas	1
Clients living in urban areas	2
+ Development goals (ranked by importance)
Increased access to financial services	1
Growth of existing businesses	2
Housing	3
Health improvement	4
Poverty reduction	5
Employment generation	6
Improvement of adult education	7
Water and sanitation	8
+ Poverty targets
Very poor clients
Poor clients
Low income clients
+ Governance
Has trained members of its board on social performance management
Has a formal board committee that monitors social performance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
Microcredit for household needs/consumption
SME loans
Loans for agriculture
Loans for education
Housing loans
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary credit life insurance
Voluntary life insurance
Voluntary house insurance
Voluntary health insurance
+ Other financial products and services offered
Remittances services
+ Non-financial services offered
+ Enterprise services offered
Business development services
+ Education services offered
Financial literacy education
Occupational safety and health in the workplace education
+ 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.
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
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)
+ Basis of staff incentives related to social performance
Portfolio quality
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
This institution identifies enterprises with environmental risk
This institution offers lending lines linked to alternative energies

+ Poverty measurement tools in use
Own proxy poverty index

Organizaciones relacionadas

Current
Nombre	Relación
ACCION	Network Affiliation
ACCION Investments	Funding
Asociación de Organizaciones de Microfinanzas	Network Affiliation
CORDAID	Funding
Hivos-Triodos Fund	Funding
Incofin - Impulse	Funding
Incofin - VDK MFI Loan Portfolio	Funding
Kiva	Funding
LABF	Funding
Microfinanza Rating	Rating
MicroVest I	Funding
REDCAMIF	Network Affiliation
The Rating Fund	Partner
Top Systems	Vendor
Triodos Fair Share Fund	Funding