Corporación Acción Por Caldas ACTUAR Famiempresas

Objectifs:

PROMOVER EL FORTALECIMIENTO DE LAS UNIDADES PRODUCTIVAS DEL DEPARTAMENTO DE CALDAS (COLOMBIA), A TRAVES DE UN PROGRAMA INTEGRAL DE SEVICIOS QUE COMPRENDE CRÉDITO ACOMPAÑADO, CAPACITACIÓN, ASESORIA EMPRESARIAL EN EL SITIO DE TRABAJO DEL EMPRESARIO Y ACOMPAÑMIENTO AL EMPRENDEDOR EN LA DE SU IDEA ... En savoir plus

Contexte et principaux défis:

-FORTALECER LA ENTIDAD OPERATIVA Y FINANCIERAMENTE -SER MAS QUE UN BANCO PARA LA MICROEMPRESA -SER RECONOCIDOS EN EL MEDIO Y TENER UN BUEN POSICIONAMIENTO.

Adresse:

Calle 20 No. 21-17

Manizales

Caldas

Colombia

Téléphone:

(576) 880-5310-8848554

Email:

actuarfamiempresas [at] actuarcaldas [dot] org

Principales sources de financement:

Préstamos

Produits et Services:

Préstamos

Capacitación y consultoría

Services Offerts:

Servicios de desarrollo empresarial

à la recherche de :

Capital

Préstamos en moneda local

% des opérations représentant la MF:

91 - 100

Date de création:

Fév 26 1986

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NGO

réglementé:

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Microempresarias (mujeres con negocios)	1
Clients living in urban areas	2
Femmes	2
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Génération d'emploi	2
Développement d'entreprises "start-up"	3
Réduction de la pauvreté	4
+ Poverty targets
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management	Unknown
+ 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
+ Savings products offered
+ Compulsory insurance products required
saldo de la cartera (gratuito)
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
socio-empresarial
+ Health services offered
+ Women's empowerment services offered
Formation au leadership pour les femmes
Women's rights education/gender issues training
+ 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.
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.
+ Coûts des services aux clients
+ Responsabilité sociale envers le personnel
+ Ressources humaines
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
ACCION	Network Affiliation
Oikocredit	Funding

MFI Report