Asociacion para el Fomento al Desarrollo de Nicaragua

Objectifs:

Nuestro propósito es fomentar el desarrollo económico social y cultural de los sectores sin acceso a la banca comercial, integrando recursos económicos y humanos con la finalidad de brindar y adaptar nuestro servicios financieros, que están dirigidos al fortalecimiento de la unidad económica ... En savoir plus

Contexte et principaux défis:

Principales desafios: Políticas Publicas que incrementa la cultura de no pago, riesgo País y retiro de fondeadores internacionales.

Adresse:

Bdf Altamira 1c. Al lago 2c. Arriba, 10 al sur, casa 252

Managua

Nicaragua

Téléphone:

(505) 2270-7986

Fax:

(505) 2277-3543

Email:

afodenicmga [at] cablenet [dot] com [dot] ni

Site web:

www.afodenic.com

Principales sources de financement:

Grants

Loans

Shareholder Capital

Produits et Services:

Loans

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1999

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 rural areas	1
Clients living in urban areas	2
Femmes	3
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Croissance des entreprises existantes	3
Génération d'emploi	4
Egalité des sexes et autonomisation des femmes	5
Improvement of adult education	6
Opportunités pour les jeunes	7
Habitat	8
Eau et normes sanitaires	9
Amélioration de la santé	10
Développement d'entreprises "start-up"	11
Scolarisation des enfants	12
+ Poverty targets
Clients pauvres
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
Prêts d'éducation
Prêts au logement
Microcréditos para servicios básicos, como es para CAPS (Comité de agua Potable y Saneamiento) y microcrédito para ganadería
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary life insurance
Voluntary house insurance
Microseguro de gastos funerarios y automóvil
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
+ 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:	Producto financiero: Microcredito de infraestructura y educacion
+ 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).
Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
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 de l'amortissement dégressif
+ 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 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
This institution raises clients' awareness about environmental impacts
This institution offers lending lines linked to alternative energies
Microcrédito para Comité de Agua Potable y Saneamiento CAPS, que se encuentra vinculado con un programa de reforestación de las áreas donde se benefician con este producto.
+ Poverty measurement tools in use
Per capita household income