Cooperativa de Ahorro y Crédito Mujeres Unidas

Objectifs:

"Contribuir en mejorar las condiciones de vida de las mujeres y sus familias de los sectores rurales y urbano populares de la región norte del país brindando servicios financieros y generando alianzas para la prestación de servicios no financieros, con un enfoque de competitividad y ... En savoir plus

Contexte et principaux défis:

Ser la cooperativa referente en atención innovativa con enfoque de género, rural y de fomento a la asociatividad. Su modelo de gestión financiera, administrativa, productos y gobierno corporativo le permite alcanzar una calificación de riesgo no menor de A-.

Al año 2013, CACMU ... En savoir plus

Adresse:

Antonio Sucre 3-10 y Borrero

Ibarra

Imbabura

Ecuador

Téléphone:

06-2609998

Fax:

06-2609998

Email:

cacmu [at] andinanet [dot] net

Principales sources de financement:

Grants

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Funds Transfer Services

Training and Consulting

Services Offerts:

Health

Other

à la recherche de :

Equity

Loans in USD

Capacity-Building Grants

Donations

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Avr 12 2001

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)
Femmes	1
Clients living in rural areas	2
Clients living in urban areas	3
Adolescents and youth (below 18)	4
Empresas asociativas y solidarias	5
+ Development goals (ranked by importance)
Egalité des sexes et autonomisation des femmes	1
Accès accru aux services financiers	2
Réduction de la pauvreté	3
Opportunités pour les jeunes	4
Génération d'emploi	5
Amélioration de la santé	6
Habitat	7
Croissance des entreprises existantes	8
Développement d'entreprises "start-up"	9
Scolarisation des enfants	10
Improvement of adult education	11
Eau et normes sanitaires	12
+ Poverty targets
Clients très pauvres
Clients pauvres
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
Microcredit for household needs/consumption
Prêts aux PME
Prêts agricoles
Prêts d'éducation
Prêts au logement
Préstamos para empresas asociativas
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
Comptes d'épargne à but spécifique
Ahorro vida y salud
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary health insurance
+ Other financial products and services offered
Carte de crédit/débit
Services bancaires mobiles
Services d'aide à l'épargne
Remittances services
RECAUDACON SOAT, EMELNORTE,PAGBDH
+ 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
+ Health services offered
Services médicaux de base
+ Women's empowerment services offered
Formation au leadership pour les femmes
Women's rights education/gender issues training
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Becas estudiantiles, apoyo a proyectos y requerimientos comunitarios, campañas de salud comunitarias
+ 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)
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
Inclusion des communautés rurales/isolées
Inclusion des femmes
Qualité des données sociales collectées
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
línea de crédito ecoturismo
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)

Partenariats

Current
Nom	Relation
AVMEI CIA. LTDA	Vendor
Hivos	Funding
Hivos-Triodos Fund	Funding
Oikocredit	Funding
RFR	Network Affiliation

MFI Report