1st Valley Bank (formerly Rural Bank of Kapatagan Valley, Inc).

Objectifs:

To offer quality banking services for its clients and earn excellent returns for its investors and stockholders. To promote the welfare of the communities where it operates and ensure the well-being of its employees and their immediate families.

Contexte et principaux défis:

Inroads of competition, looming financial crisis of country, lack of credit bureau

Adresse:

Poblacion Baroy

Lanao del Norte

9210

Philippines

Téléphone:

(+63) 063-373-633

Fax:

(+63) 063-498-0094

Email:

kapataganvalley [at] rbap [dot] org

Site web:

www.1stvalleybank.com/

Principales sources de financement:

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Fund Transfer Services

Produits:

Loans, Voluntary Savings, Insurance, Fund Transfer Services

Services Offerts:

Full-scale Financial Services

à la recherche de :

Loans in Local Currency

Capacity Building Grants

Equity investments

% des opérations représentant la MF:

0 - 10

Date de création:

Jan 1 1956

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Rural Bank

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Salaried government employees	1
Clients living in rural areas	2
Clients living in urban areas	3
Femmes	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Développement d'entreprises "start-up"	3
+ Poverty targets
Pas d'objectif précis en termes de pauvreté
+ Gouvernance
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Microcredit for household needs/consumption
Prêts aux PME
Prêts agricoles
Prêts d'éducation
Prêts au logement
Salary loans
+ Savings products offered
Comptes courants
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
Comptes d'épargne à but spécifique
+ Compulsory insurance products required
Compulsory credit life insurance
Compulsory agricultural insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
Services bancaires mobiles
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Farming technology, value of savings for the students
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Loans: Microfinance loans, supervised credit; Savings: Wais savings, Gihandom savings
+ Responsabilité sociale envers les clients
+ Principes de protection des clients en usage
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.
+ Coûts des services aux clients
Méthode du taux constant
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Transparency on salary (a clear salary scale based upon market salaries)
Benefits (medical insurance, pension contribution)
Protection au travail (sécurité, anti-harcèlement)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
MABS	Partner
RBAP	Network Affiliation

MFI Report