Caja Municipal de Ahorro y Crédito - ICA

Data provided through CMAC Ica

Gross Loan Portfolio USD, 2011: 198.7 million

Número de prestatarios activos 2011: 72,055

Saldo promedio de crédito por prestatario USD, 2011: 2,757.6

Depósitos USD, 2011: 182.8 million

Assets USD, 2011: 253.7 million

Número de depositantes 2011: 55,605

Misión:

Pasion por servir

Antecedentes y principales retos:

Expandir y diversificar la participación en el mercado de las captaciones. Expandir y diversificar la participación en el mercado de las colocaciones. Mejorar la calidad de la cartera de créditos

Dirección:

Av. Conde de Nieva 498 Urbanización Luren

Ica

Peru

Teléfono:

(515) 658-1430

Fax:

(515) 658-1430 ext 31005

Correo electrónico:

postmaster [at] cmacica [dot] com [dot] pe

Website:

www.cmacica.com.pe

Principales fuentes de financiamiento:

Loans

Savings

Productos y servicios:

Loans

Voluntary Savings

Buscar (Tipos de Inversión):

Equity

Loans in Local Currency

Loans in US$

Fecha en que se estableció:

Jan 1 1987

Fin de año fiscal:

31-Dec

Current Legal Status:

NBFI

Regulada:

yes

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
+ Development goals (ranked by importance)
+ Poverty targets
+ Governance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises	1
Microcredit for household needs/consumption	1
Loans for agriculture	1
Housing loans	1
Other credit products offered:	1
Int ps offerothercreditloanstext c	Credtos comerciales, creditos prendario
+ Savings products offered
Voluntary savings accounts
Fixed term deposits
CTS Compensacion por tiempo de servicio
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Remittances services	1
+ Non-financial services offered
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting 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.
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).
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
+ Social responsibility to the environment
+ Poverty measurement tools in use