HOPE Ukraine

Misión:

We exist to help our clients and their families to grow spiritually, personally and economically by providing family financial services to them.
We care about the new generation of our country by supporting the development of “Tomorrow Clubs”.

Antecedentes y principales retos:

Founded by HOPE International.www.givehope.org in 1998. We operate in 20 cities and towns of Ukraine.

Dirección:

Boryspilska, 9

Kyiv

02099

Ukraine

Teléfono:

+38 044 369 57 68

Fax:

+38 044 369 57 68

Correo electrónico:

barkovua [at] gmail [dot] com

Website:

www.nadezhda.com.ua

Principales fuentes de financiamiento:

Grants

Loans

Productos y servicios:

Loans

Buscar (Tipos de Inversión):

Equity

Loans in Local Currency

Donations

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 1998

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)
Growth of existing businesses	1
Poverty reduction	2
Increased access to financial services	3
Housing	4
+ Poverty targets
Low income clients
+ Governance
Has trained members of its board on social performance management	Unknown
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
Microcredit for household needs/consumption
Loans for agriculture
Housing loans
+ 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
Financial literacy 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.
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
Portfolio quality

+ Social responsibility to the environment
+ Poverty measurement tools in use