Asociación Para Inversión y Empleos

Objectifs:

n/a

Adresse:

Av. Juan de Morfa #67 Villa Consuelo

Santo Domingo

Dominican Republic

Fax:

(809) 688-6086

Email:

aspire [at] verizon [dot] net [dot] do

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

à la recherche de :

Loans in Local Currency

Date de création:

Jan 1 1981

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)
Femmes	1
Clients living in urban areas	2
Clients living in rural areas	3
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Génération d'emploi	3
Egalité des sexes et autonomisation des femmes	4
Croissance des entreprises existantes	5
Improvement of adult education	6
Scolarisation des enfants	7
Amélioration de la santé	8
Habitat	9
Développement d'entreprises "start-up"	10
Opportunités pour les jeunes	11
Eau et normes sanitaires	12
+ Poverty targets
Clients très pauvres
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
Microcredit for household needs/consumption
Prêts aux PME
Prêts d'éducation
Prêts au logement
+ 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
Développement des qualités entrepreneuriales
Services de développement de l'activité
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
Child and youth education
Formation à la sécurité et à la santé au travail
+ 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:	Préstamos Solidarios y Capacitación en el tema de Finanzas Personales
+ 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)
+ 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 trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
Oikocredit	Funding
Opportunity International	Network Affiliation

MFI Report

Select i

Profil de Performance Sociale

Partenariats

En Bref

Contacts

Mises à Jour des Données du MIX

Partagez ce profil

Global Partners