Asociación para el Desarrollo Integral Comunitario de Honduras

Objectifs:

Apoyamos el desarrollo de nuestro pais mediante la ejecución de programas de microfinanzas, salud y actividades comunitarias, a objeto de lograr una mejoría en el nivel de vida de las familias meta y las comunidades propiciando la sostenibilidad institucional y la de nuestros clientes.

Contexte et principaux défis:

1) Incentivar la transparencia de tecnología que permita incrementar la producción y productividad de los recursos disponibles para mejorar la situación socioeconomia de los sectores menos favorecidos de la población hondureña. 2) Mejorar el nivel de vida de la población rural y urbana ... En savoir plus

Adresse:

Barrio la Hoya, contiguo a Radio Juticalpa

Juticalpa

Olancho

Honduras

Téléphone:

(504) 785-1542

Fax:

(504) 785-1542

Email:

adich_opdf [at] yahoo [dot] es

Principales sources de financement:

Grants

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Training and Consulting

Produits:

Individual, Village Bank, and Solidarity Group loans. Voluntary Savings.

Services Offerts:

Business Development Services

Health

Education

Other

à la recherche de :

Loans in Local Currency

Donations

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1995

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)
Femmes	1
Clientes microempresarios	1
Clients living in urban areas	2
Clients living in rural areas	2
+ Development goals (ranked by importance)
Génération d'emploi	1
Réduction de la pauvreté	1
Accès accru aux services financiers	1
Amélioration de la santé	2
+ Poverty targets
Clients à faibles revenus
+ Gouvernance
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Prêts aux PME
Prêts agricoles
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary health insurance
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Comercialización y asistencia técnica a las Empresas Rurales de Ahorro y Crédito ECAC´s
+ Education services offered
Education financière de base
+ Health services offered
Services médicaux de base
+ 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
Benefits (medical insurance, pension contribution)
+ 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
This institution raises clients' awareness about environmental impacts
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)

Partenariats

Current
Nom	Relation
MFSI	Vendor
Oikocredit	Funding
Red Katalysis	Network Affiliation
REDCAMIF	Network Affiliation
REDMICROH	Network Affiliation

MFI Report