ACTUAR Famiempresas - Tolima | MFIs in Colombia

Objectifs:

ACTUAR Tolima's mission is to provide technical assistance and financial services to microentrepreneurs without access to formal financial services.

Contexte et principaux défis:

ACTUAR Tolima is an NGO created in 1986 by the private sector. Their main objective is to achieve a social equilibrium by decreasing unemployment and violence. ACTUAR Tolima has received loans from the Interamerican Development Bank and many other institutions underlining the excellent quality ... En savoir plus

Adresse:

Calle 18 6-16

Ibagué

Colombia

Téléphone:

(578) 261-6640

Fax:

(578) 263-6423

Email:

actuartolima [at] actuartolima [dot] com

Site web:

www.actuartolima.com

Principales sources de financement:

Préstamos

Produits et Services:

Préstamos

Capacitación y consultoría

Seguros

Produits:

ACTUAR Tolima offers technical assistance and financial services to microentrepreneurs.

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 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)
Clients living in urban areas	1
Femmes	2
Clients living in rural areas	3
+ Development goals (ranked by importance)
Croissance des entreprises existantes	1
Accès accru aux services financiers	2
Génération d'emploi	3
Réduction de la pauvreté	4
+ Poverty targets
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management
+ 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 d'éducation
Prêts au logement
+ 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
+ Education services offered
Educación no formal
+ 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.
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).
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
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use