Rangtay Sa Pagrangay Inc

Misión:

Transforming lives through Christ-centered enterprise and community development.

Antecedentes y principales retos:

RSPI is one of the six MFIs formed by TSPI Development Organization. It started operating in March 1987 and initially offered individual and group loans to the poor households in Baguio City. Its main challenge is the increasing comptetition in the area where it operates.

Dirección:

4F Manongdo Bldg., Magsaysay Ave.

Baguio City

Philippines

Teléfono:

63-74-4453592

Fax:

63-74-4453592

Correo electrónico:

rspimain [at] yahoo [dot] com

Principales fuentes de financiamiento:

Loans

Savings

Productos y servicios:

Loans

Insurance

Research and Development

Servicios proporcionados:

Business Development Services

Other

Buscar (Tipos de Inversión):

Capacity-Building Grants

Donations

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 1987

Fin de año fiscal:

31-Dec

Current Legal Status:

NGO

Regulada:

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Women	1
Clients living in rural areas	2
Clients living in urban areas	3
Small farmers	4
+ Development goals (ranked by importance)
Increased access to financial services	1
Poverty reduction	2
Growth of existing businesses	3
Health improvement	4
Improvement of adult education	5
Development of start-up enterprises	6
Employment generation	7
Gender equality and women's empowerment	8
Children's schooling	9
Water and sanitation	10
+ 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
Salary loans
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary life insurance
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
Business development services
+ Education services offered
Financial literacy education
Basic health/nutrition education
+ Health services offered
+ Women's empowerment services offered
Leadership training for women
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Agricultural Loan, Adopt-a-Barangay Program - a holistic inclusive approach that targets a specific community falling as one of the poorest communities of a particular province or municipality
+ 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).
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)
+ Basis of staff incentives related to social performance
Client retention/drop-out rate
Portfolio quality
Center activities (trainings, education) given to clients
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
Initiatives such as tree planting
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)
Per capita household expenditure
Per capita household income

Organizaciones relacionadas

Current
Nombre	Relación
APPEND	Network Affiliation
Oikocredit	Funding
Opportunity International	Network Affiliation

MFI Report

Select i

Social Performance Profile

Organizaciones relacionadas

Una visión rápida

Contactos

MIX Market Data Updates

Comparta este perfil

Global Partners