Alsol Contigo S.A de C.V, SOFOM ENR

Encours Brut de Prêts USD, 2011: 4.8 million

Nombre d'emprunteurs actifs 2011: 18,748

Solde moyen de prêt par emprunteur USD, 2011: 254.1

Epargne USD, 2011: 831,326.2

Actif USD, 2011: 6.3 million

Nombre d'épargnants 2011: 18,155

Objectifs:

Colaborar a la reducción de la pobreza en zonas rurales y semi-urbanas otorgando servicios financieros a mujeres de escasos recursos con calidad, responsabilidad, profesionalismo y respeto a nuestras clientes, así como apoyar su capacitación a través de Instituciones especializadas

Contexte et principaux défis:

Llegar a ser una institución líder y autosostenible en el mercado de servicios financieros para mujeres en zonas rurales y semi-urbanas del sureste de México vinculándose con Organizaciones que brinden capacitación y desarrollo de proyectos sociales a nuestras clientes para mejorar su calidad de ... En savoir plus

Adresse:

Av. Mexico Hidalgo n°1 Interior 5 y 6, Zona Centro

San Cristobal de Las Casas

Chiapas

CP 29200

Mexico

Téléphone:

(01) 967 678 1434

Fax:

(01) 967 674 0526

Email:

alsolchiapas [at] alsolchiapas [dot] org

Site web:

www.alsolchiapas.org

Principales sources de financement:

Loans

Produits et Services:

Loans

Voluntary Savings

Insurance

Services Offerts:

Health

Education

Other

à la recherche de :

Loans in Local Currency

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1999

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NBFI

réglementé:

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Clients living in rural areas	2
Clients living in urban areas	3
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Réduction de la pauvreté	1
Développement d'entreprises "start-up"	2
Génération d'emploi	2
Croissance des entreprises existantes	3
Egalité des sexes et autonomisation des femmes	4
Opportunités pour les jeunes	5
Habitat	5
Capacitación en general	6
+ 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
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary credit life insurance
Voluntary life insurance
+ 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
Formation au leadership pour les femmes
+ 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).
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 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
Inclusion des communautés rurales/isolées
Inclusion des femmes
Qualité des données sociales collectées
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)

Partenariats

Current
Nom	Relation
Fern Software	Vendor
Freedom from Hunger	Network Affiliation
Freedom from Hunger	Partner
Grameen Foundation	Network Affiliation
Oxfam Novib Fund	Funding
Prodesarrollo	Network Affiliation
Smart Campaign	Endorsement