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ACORDE
4
Asociación Costarricense para organizaciones de Desarrollo
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Objectifs:
ACORDE como agente de cambio para la generación de riqueza y capacidad empresarial del sector MIPE de Costa Rica.
Contexte et principaux défis:
a) Crecer en un mercado competitivo. B) cobertura geográfica c) retener el talento
Adresse:
Calle 3 Avenida 5 y 7, 150 mts al norte del automercado, San José centro
San José
San José
104-2070 Sabanilla
Costa Rica
Téléphone:
(506) 2256-4901
Fax:
506-2256-7873
Email:
info
[at]
acorde [dot] or [dot] cr
Site web:
www.acorde.or.cr
Produits et Services:
Loans
Voluntary Savings
Services Offerts:
Business Development Services
à la recherche de :
Loans in Local Currency
Loans in US$
% des opérations représentant la MF:
91 - 100
Date de création:
Jan 1 1987
Date de fin d'exercice:
31-Dec
Statut légal actuel:
NGO
réglementé:
no
Profil de Performance Sociale
+
Détails de la mission
+
Target markets (ranked by importance)
Clients living in urban areas
1
Femmes
2
+
Development goals (ranked by importance)
Croissance des entreprises existantes
1
Accès accru aux services financiers
1
+
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
+
Savings products offered
+
Compulsory insurance products required
Compulsory credit life insurance
+
Voluntary insurance products offered
+
Other financial products and services offered
+
Services non financiers offerts
+
Enterprise services offered
Services de développement de l'activité
+
Education services offered
Education financière de base
+
Health services offered
+
Women's empowerment services offered
Formation au leadership pour les femmes
+
Products and services targeting the poor
Products and services specifically designed to target the poor:
+
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).
+
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)
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
Qualité de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Client retention/drop-out rate
Qualité du portefeuille
+
Responsabilité sociale envers l'environnement
+
Poverty measurement tools in use
Partenariats
Current
Nom
Relation
Incofin Fund
Funding
Oikocredit
Funding
REDCAMIF
Network Affiliation
REDCOM
Network Affiliation
En Bref
Actif
Encours Brut de Prêts
Fonds propres
Contacts
Ajack Delgadillo
Gerente Administración y Finanzas
adelgadillo
[at]
acorde [dot] or [dot] cr
(506) 2256-4901
Danilo Montero
Director Ejecutivo
dmontero
[at]
acorde [dot] or [dot] cr
(506) 2256-4901
Denia Cubero Mora
Gerente de Servicios de Desarrollo Empresarial
dcubero
[at]
acorde [dot] or [dot] cr
(506) 256-4901
Eugenia Jiménez Rodríguez
Gerente de Operaciones
ejimenez
[at]
acorde [dot] or [dot] cr
Geovanny Gracias
Jefe de Contabilidad
ggracias
[at]
acorde [dot] or [dot] cr
(506) 256-4901
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mai 25, 2012 - 1:52am