Associação Brasileira para o Desenvolvimento da Família

Objectifs:

Atuar em microfinanças, com eficiência e atendimento personalizado, contribuindo para geração de trabalho e renda no sul do Brasil.

Contexte et principaux défis:

Aumentar o número de clientes ativos, dar mais acesso ao crédito à população de baixa renda. Manter o risco de forma controlada no atual cenário econômico.

Adresse:

Rua Presidente Nereu Ramos, 73 - Centro

Lages

Santa Catarina

88502-170

Brazil

Téléphone:

(+55) 49 3251-0444

Fax:

(+55) 49 3251-0431

Email:

atendimento [at] bancodafamilia [dot] org [dot] br

Site web:

www.bancodafamilia.org.br

Produits et Services:

Loans

Produits:

Individual Loans

à la recherche de :

Loans in Local Currency

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Oct 20 1998

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NGO

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
+ Development goals (ranked by importance)
+ Poverty targets
+ 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
Prêts au logement
Crédito consignado
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Descontos de cheques pré-datados
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
+ 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:
+ 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 du taux constant
+ 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
Qualité de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Client retention/drop-out rate
+ Responsabilité sociale envers l'environnement
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use
Means test

Partenariats

Current
Nom	Relation
Oikocredit	Funding
Oxfam Novib Fund	Funding
Planet Rating	Rating
The Rating Fund	Partner
WWB	Network Affiliation

MFI Report