Banco de Ahorro y Crédito ADOPEM

Objectifs:

Promover el desarrollo de la familia dominicana, mediante su incorporación al sistema económico y crediticio formal, requerido por los sectores social y económicamente menos favorecidos, dentro de un marco de valores éticos, buscando la retribución y el beneficio de las sociedad en general.

Contexte et principaux défis:

ADOPEM belongs to the Women's World Banking Network, created in 1982. It has received the support of the IDB (Inter-American Development Bank), GTZ, CGAP, FONDOMICRO and various other multilateral and technical cooperation institutions. ADOPEM's main challenge is to achieve a high level of ... En savoir plus

Adresse:

Calle Heriberto Pieter No. 12 Ensanche Naco.

Santo Domingo

Dominican Republic

Téléphone:

(809) 563-3939

Fax:

(809) 547-2922

Email:

m [dot] canalda [at] codetel [dot] net [dot] do

Site web:

www.bancoadopem.com.do

Produits et Services:

Loans

Voluntary Savings

Insurance

Fund Transfer Services

Produits:

ADOPEM gives loans mainly to solidarity groups (84% in 1998) and to individuals (16% loans in 1998). Loans have terms between 4 to 36 months and can be used for either working capital or fixed investments purposes. The main clients are women that want to create their own business or to ... En savoir plus

à la recherche de :

Loans in Local Currency

Donations

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Juil 14 1982

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Bank

réglementé:

yes

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
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Réduction de la pauvreté	2
Egalité des sexes et autonomisation des femmes	3
Génération d'emploi	4
Développement d'entreprises "start-up"	5
Habitat	6
Scolarisation des enfants	7
+ Poverty targets
Clients très pauvres
Clients pauvres
Clients à faibles revenus
Pas d'objectif précis en termes de pauvreté
+ Gouvernance
Has trained members of its board on social performance management
Dispose d'un comité officiel au sein du conseil qui surveille la performance sociale
+ 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
Saldo de deuda en caso de deceso del cliente.
+ Voluntary insurance products offered
Voluntary life insurance
+ Other financial products and services offered
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
+ Education services offered
Education financière de base
Child and youth education
+ Health services offered
+ Women's empowerment services offered
Formation au leadership pour les femmes
Services de conseils juridiques pour femmes victimes de violence
+ 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)
+ 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 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
Per capita household income
Indice du logement
Food security index
Indice de pauvreté spécifique à l'institution