Cooperativa de Productores Agrícolas y de Servicios Múltiples de la Zona de los Santos, R.L

Objectifs:

Fortalecer los proyectos y programas sostenibles, que impulcen el desarrollo de sus asociados(as), en armonia con el medio ambiente

Contexte et principaux défis:

Nacio en 1979 cono una asociacion de productores agricolas y comercializacion. Cambio de figura juridica a cooperativa de servicios multiples en julio del 2008. Siguindo, con los mismos objetivos: logrando manejar programas y proyectos que impulsan el desarrollo de los pequeños prioductores, ... En savoir plus

Adresse:

Santa Cruz de León Cortes zona los Santos, 200 metros al este de la Escuela

San José

Costa Rica

Téléphone:

(506) 2544-1680

Fax:

(506) 2544-1681

Email:

frutasanta [at] yahoo [dot] com

Site web:

www.apacocr.org

Principales sources de financement:

Loans

Produits et Services:

Loans

Services Offerts:

Other

à la recherche de :

Loans in Local Currency

Loans in USD

Donations

Guarantees

Date de création:

Jan 8 1986

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Credit Union / Cooperative

réglementé:

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in rural areas	1
Femmes	2
+ Development goals (ranked by importance)
Diversificar las fuentes de ingresos en los productores, mediante la diversificacion de cultivos, mejorando la calidad de vida.	1
Accès accru aux services financiers	2
+ Poverty targets
Clients à faibles revenus
+ Gouvernance
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts aux PME
Prêts agricoles
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ 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.
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.
+ 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)
+ Incitations du personnel liées à la performance sociale
+ Responsabilité sociale envers l'environnement
This institution trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use

MFI Report

Cooperativa de Productores Agrícolas y de Servicios Múltiples de la Zona de los Santos, R.L

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Profil de Performance Sociale

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Contacts

Mises à Jour des Données du MIX

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