Sahara Uttarayan

Misión:

Mission

To extend social and economical support to empower the rural and urban areas poor women for qualitative changes for their livelihood and capacity building.

Vision

Equitable society where poor and backward classes of people would lead a better life with due respect.

Antecedentes y principales retos:

Sahara Uttarayan was established as a society in the year 2001 with an objective to provide relief and rehabilitation after the devastating flood in the region. It was promoted by Mr. Prakash Banerjee and Mr. Kartick Biswas who left Sahara Utsarga to set up their own MFI.

Dirección:

West Bengal

India

Teléfono:

+91 33 2567 5745

Fax:

+91 33 2567 5745

Correo electrónico:

sahara [dot] uttarayan [at] yahoo [dot] com

Website:

www.sumfindia.com

Principales fuentes de financiamiento:

Loans

Productos y servicios:

Loans

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 2001

Fin de año fiscal:

31-Mar

Current Legal Status:

NGO

Regulada:

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Women	1
Clients living in rural areas	2
	2
Clients living in urban areas	3
+ Development goals (ranked by importance)
+ Poverty targets
Poor clients
+ 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
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
+ Education services offered
Child and youth education
+ Health services offered
+ Women's empowerment services offered
Leadership training for women
Women's rights education/gender issues training
+ 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
+ Social responsibility to staff
+ Human resources
Transparency on salary (a clear salary scale based upon market salaries)
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

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