Corporación Acción por el Quindio Actuar Famiempresas

Objectifs:

Contribuir al mejoramiento del nivel de vida y desarrollo empresarial de los microempresarios y población vulnerable del país, especialmente en el Departamento del Quindío, a través de los servicios financieros, acompañamiento empresarial, gestión y ejecución de proyectos.

Adresse:

CALLE 16 13-13

Armenia

Quindío

Colombia

Téléphone:

7463844

Fax:

7463844

Email:

famiempresas [at] actuarquindio [dot] org [dot] co

Site web:

www.actuarquindio.org.co

Principales sources de financement:

Loans

Produits et Services:

Loans

Training and Consulting

Services Offerts:

Business Development Services

à la recherche de :

Loans in Local Currency

Capacity-Building Grants

Donations

% des opérations représentant la MF:

91 - 100

Date de création:

Déc 20 1989

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)
microempresarios	1
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Génération d'emploi	2
Réduction de la pauvreté	3
Croissance des entreprises existantes	4
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management
Dispose d'un comité officiel au sein du conseil qui surveille la performance sociale
+ 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
Développement des qualités entrepreneuriales
Capacitación, asesoría y acompañamiento empresarial
+ Education services offered
Education financière de base

+ Health services offered
+ Women's empowerment services offered
+ 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
Méthode du taux constant
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Protection au travail (sécurité, anti-harcèlement)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
Evaluación del clima organizacional semestralmente
+ Incitations du personnel liées à la performance sociale
Qualité du portefeuille

+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use