Consejo de Asistencia al Microemprendedor, S.A. de C.V., SFP

Encours Brut de Prêts USD, 2011: 69.6 million

Nombre d'emprunteurs actifs 2011: 298,564

Solde moyen de prêt par emprunteur USD, 2011: 233.0

Epargne USD, 2011: 23.7 million

Actif USD, 2011: 91.5 million

Nombre d'épargnants 2011: 296,411

Objectifs:

Proporcionar servicios financieros adecuados a la población en desventaja económica, desarrollando una cultura financiera, la solidaridad, la responsabilidad y la capacidad emprendedora, para fortalecer sus condiciones económicas y sociales.

Contexte et principaux défis:

Ser la institución líder a nivel nacional, confiable y operando a niveles de excelencia, promoviendo el desarrollo integral de sus clientes y de su personal. Influir en el sector de las microfinanzas para promover su integración y desarrollo y para participar en el diseño de políticas públicas. En savoir plus

Adresse:

Av. Colonia del Valle No. 615, 2o. Piso Del Valle

Benito Juárez

México D.F.

03100

Mexico

Téléphone:

5340 3070

Fax:

5340 3070

Site web:

www.came.org.mx

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Voluntary Savings

à la recherche de :

Loans in Local Currency

Donations

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1993

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NBFI

réglementé:

yes

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
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Egalité des sexes et autonomisation des femmes	2
Génération d'emploi	3
Réduction de la pauvreté	4
+ Poverty targets
Clients à faibles revenus
+ 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 agricoles
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
Services d'aide à l'épargne
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
+ Health services offered
+ Women's empowerment services offered
Financiero
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Microcréditos (Préstamo CAME e interciclo)
+ 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
Inclusion des communautés rurales/isolées
Inclusion des femmes
Qualité de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
Encuesta NSE