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Crédito Real
3
Crédito Real S.A.P.I de C.V. SOFOM ENR. (Credi Equipos)
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Data provided through
Prodesarrollo
Gross Loan Portfolio
USD, 2011
:
24.0
million
Número de prestatarios activos
2011
:
90,051
Saldo promedio de crédito por prestatario
USD, 2011
:
266.2
Depósitos
USD, 2011
:
0.0
Assets
USD, 2011
:
—
Número de depositantes
2011
:
0
Dirección:
Insurgentes Sur 664 Piso 3 Col. Del Valle
Del. Benito Juárez
México D.F.
CP 03100
Mexico
Teléfono:
5255-5340-5200 3923
Correo electrónico:
comercial
[at]
creditoreal [dot] com [dot] mx
Website:
www.creditoreal.com.mx/crediequipos/index.html
Productos y servicios:
Loans
Fecha en que se estableció:
Feb 12 1993
Fin de año fiscal:
31-Dec
Current Legal Status:
NBFI
Regulada:
no
Social Performance Profile
+
Mission specifics
+
Target markets (ranked by importance)
Clients living in urban areas
1
Women
1
Clients living in rural areas
2
+
Development goals (ranked by importance)
Increased access to financial services
1
Growth of existing businesses
2
Development of start-up enterprises
3
Youth opportunities
4
Gender equality and women's empowerment
5
+
Poverty targets
Low income clients
1
+
Governance
+
Range of products and services
+
Financial products and services offered
+
Credit products offered
Microcredit loans for microenterprises
1
SME loans
+
Savings products offered
+
Compulsory insurance products required
+
Voluntary insurance products offered
Voluntary life insurance
1
Voluntary health insurance
1
+
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
+
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.
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
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
Ability to attract new clients from target market
Client retention/drop-out rate
Portfolio quality
+
Social responsibility to the environment
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
+
Poverty measurement tools in use
Organizaciones relacionadas
Current
Nombre
Relación
Prodesarrollo
Network Affiliation
Una visión rápida
Assets
Gross Loan Portfolio
Equity
Contactos
Alejandro Alday Perez
aalday
[at]
creditoreal [dot] com [dot] mx
5255-5340-5200 3923
Elena Vallejo Lopez
evallejo
[at]
creditoreal [dot] com [dot] mx
5255-5340-5200 3923
Felipe Garcia Buxo
fbuxo
[at]
creditoreal [dot] com [dot] mx
5255-5340-5200 3923
Jacobo Stern Levin
Director General
5255-5340-5200 3923
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May 23, 2013 - 12:23pm