Sociedad Cooperativa de Ahorro y Crédito AMC de R.L.

Objectifs:

Ser la insitución financiera que brinda servicios especializados al sector de la micro y pequeña empresa, trabajadores por cuenta propia, y empleados de bajos ingresos a nivel nacional y regional, bajo un esquema de rentabilidad económica, y social que garantíza su permanencia, solidez, ... En savoir plus

Contexte et principaux défis:

AMC fue constituida el 19 de diciembre del año 2000, a iniciativa de la Fundación Agencia de Desarrollo Económico Local de Morazán (ADEL-MORAZAN) su principal accionista; cuenta con una amplia cobertura nacional con una red de 17 agencias y puntos de negocios ubicados estratégicamente para ... En savoir plus

Adresse:

8° Calle Oriente y 4° Av. Norte # 203

San Miguel

El Salvador

Téléphone:

(503) 2682-1600

Fax:

(503) 2660-7994

Email:

wsalmeron [at] amc [dot] com [dot] sv

Site web:

www.amc.com.sv

Principales sources de financement:

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Fund Transfer Services

Services Offerts:

Full-scale Financial Services

à la recherche de :

Equity

Capacity-Building Grants

Loans in US$

Date de création:

Déc 19 2000

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)
Clients living in rural areas	1
Femmes	2
Clients living in urban areas	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Génération d'emploi	2
Réduction de la pauvreté	3
+ Poverty targets
Clients pauvres
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 aux PME
Prêts agricoles
Prêts d'éducation
Prêts au logement
+ Savings products offered
Voluntary savings accounts
Dépots à terme
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary credit life insurance
+ Other financial products and services offered
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
+ 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).
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.
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 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)
Seguro de Vida, Pago de kilometraje, viáticos, asignaciones de teléfono móvil
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution identifies enterprises with environmental risk
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
Asociación de Organizaciones de Microfinanzas	Network Affiliation
Consorzio Etimos	Funding
Hivos-Triodos Fund	Funding
MicroRate	Rating
Oikocredit	Funding
Red Katalysis	Network Affiliation
REDCAMIF	Network Affiliation