Te Creemos, S.A. de C.V. SOFIPO

Gross Loan Portfolio USD, 2010: 21.8 million

Número de prestatarios activos 2010: 50,232

Saldo promedio de crédito por prestatario USD, 2010: 433.3

Depósitos USD, 2010: 15.8 million

Assets USD, 2010: 34.0 million

Número de depositantes 2010: 20,876

Misión:

Te Creemos es una empresa que busca permanentemente la vinculación de largo plazo con sus clientes a través de servicios financieros en el sector popular, en el marco de la normatividad aplicable y de las mejores prácticas del sector, basada en una filosofía de sustentabilidad, rentabilidad y ... Leer más

Antecedentes y principales retos:

Te Creemos será la financiera popular: con el reconocimiento de sus clientes por su servicio y trato; con la mayor lealtad de sus clientes y colaboradores; con la mayor cobertura nacional en redes urbanas; con la estructura humana más profesional y especializada del sector; con servicios y ... Leer más

Dirección:

Celaya No. 26 locs. 4, 5 y 6 Col. Hipodromo Condesa

Cuauhtemoc

México D.F.

6100

Mexico

Teléfono:

5584 2233

Fax:

5584 2233 EXT. 1285

Correo electrónico:

info [at] tecreemos [dot] com

Website:

www.tecreemos.com.mx

Principales fuentes de financiamiento:

Loans

Productos y servicios:

Loans

Voluntary Savings

Insurance

Buscar (Tipos de Inversión):

Loans in Local Currency

Fecha en que se estableció:

Aug 10 2005

Fin de año fiscal:

31-Dec

Current Legal Status:

NBFI

Regulada:

yes

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Clients living in urban areas	1
Clients living in rural areas	2
Específicamente nos enfocamos en el Sector Popular	3
+ Development goals (ranked by importance)
Increased access to financial services	1
Growth of existing businesses	2
Housing	3
Proveer Servicios Financieros Integrales en el sector Popular	4
+ Poverty targets
Poor clients
Low income clients
+ Governance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
SME loans
Housing loans
Prestamos personales para colaboradores de la empresa
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Fixed term deposits
+ Compulsory insurance products required
Compulsory credit life insurance
Seguro de vida, Seguro de Accidentes(reembolso de gastos) y Seguro de Incapacidad temporal o permanente por Enfermedad y/o Accidentes
+ Voluntary insurance products offered
Voluntary life insurance
Voluntary house insurance
Voluntary health insurance
Todos estos se encuentran en desarrollo para su implementación
+ Other financial products and services offered
Savings facilitation services
+ Non-financial services offered
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Todos nuestros productos están diseñados específicamente para el sector popular, tanto los activos como los pasivos, salvo un producto de captación a plazo patrimonial.
+ 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
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
Portfolio quality
Crecimiento de cartera, sucurales y regiones. Bonos por Rentabilidad.
+ Social responsibility to the environment
+ Poverty measurement tools in use