Banco De La Gente Emprendedora

Misión:

La inclusión económica. Ofrecer los mejores y más oportunos créditos, y otros servicios bancarios al sector popular de la economía. BanGente es un camino de prosperidad y crecimiento para nuestros clientes, empleados y accionistas.

Antecedentes y principales retos:

Prestarle asistencia financiera a los sectores poblacionales de bajos ingresos. Propiciar la inserción económica y social del empresario popular en la economía formal.

Dirección:

Avenida Romulo Gallegos, Edifico R.I.V., piso 3, Urbanización Los Dos Caminos.

Caracas

Distrito Capital

CP 1071

Venezuela

Teléfono:

(58-212) 600-6100

Fax:

(58-212)600-6175

Correo electrónico:

juslar [at] bangente [dot] com [dot] ve

Website:

www.bangente.com.ve

Principales fuentes de financiamiento:

Shareholder Capital

Productos y servicios:

Loans

Voluntary Savings

Insurance

Training and Consulting

Servicios proporcionados:

Business Development Services

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 1997

Fin de año fiscal:

31-Dec

Current Legal Status:

Bank

Regulada:

yes

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
+ Development goals (ranked by importance)
+ Poverty targets
+ Governance
Has trained members of its board on social performance management
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
TU ABOGADO SOLIDARIO
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
Counseling/legal services for female victims of violence
Asesoría jurídica gratuita y redacción de documentos
+ 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
Flat interest method
+ Social responsibility to staff
+ Human resources
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
Portfolio quality
+ Social responsibility to the environment
+ Poverty measurement tools in use