Asociación Pro fomento de Proyectos Productivos de la Sub Región de San Ramón

Objectifs:

Acompañar el crecimiento y desarrollo de los micro empresarios de la región de Sa Ramón, mediante prestación oportuna, eficiente y competitiva de servicios financieros y complementarios, logrando a la vez la sotenibilidad de la Asociación.

Contexte et principaux défis:

Entidad creada para apoyar a micro empresarios, que en eso años no eran atendidos por la banca nacional. a) Estabilidad Financiera. B) Ampliar radio de acción. C) Mayor posicionamiento. D) Mejores condiciones contra competencia.

Adresse:

100 Oeste del Colegio Julio Acosta García, San Ramón Centro

San Ramón

Alajuela

62-4250

Costa Rica

Téléphone:

(506) 2445-7660

Fax:

(506) 2445-6650

Email:

asoprosr [at] ice [dot] co [dot] cr

Principales sources de financement:

Loans

Produits et Services:

Loans

Insurance

Services Offerts:

Second-tier Lending to MFIs

à la recherche de :

Equity

Loans in Local Currency

Date de création:

Mar 1 1982

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
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Génération d'emploi	3
Développement d'entreprises "start-up"	4
Réduction de la pauvreté	5
+ Poverty targets
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
Prêts aux PME
Prêts agricoles
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ 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.
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.
+ Coûts des services aux clients
Méthode de l'amortissement dégressif
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Incitations du personnel liées à la performance sociale
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
Oikocredit	Funding
REDCAMIF	Network Affiliation
REDCOM	Network Affiliation

MFI Report