Asociación Cooperación para el Desarrollo Rural de Occidente

Objectifs:

Impulsamos y acompañamos el desarrollo integral de las comunidades rurales basados en el modelo de la participaciòn total de la comunidad, de forma equitativa, incluyente y sostenible, tomando en cuenta valores y principios de la cultura propia e incorporando elementos de otras culturas, para ... En savoir plus

Contexte et principaux défis:

1. Impulsar el desarrollo integral y el mejoramineto de las condiciones de vida de la poblacion guatemalteca principalmente del Departamento de Totonicapàn en base al establecimiento y funcionamiento de proyectos, sistemas de servicio, programas e instituciones que mejoren su capacidad ... En savoir plus

Adresse:

Cantón Chuicruz Paraje Tierra Blanca

Totonicapán

Departamento de Toto

08001

Guatemala

Téléphone:

(502)7766-2175

Fax:

(502)7766-3175

Email:

reficom [at] cdro [dot] org

Site web:

www.cdro.org

Principales sources de financement:

Grants

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Produits:

Individual, Solidarity Group, and Village Bank loans. Savings.

Services Offerts:

Business Development Services

Health

Education

Other

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1986

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)
Clients living in rural areas	1
Femmes	2
Adolescents and youth (below 18)	3
Clients living in urban areas	4
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Croissance des entreprises existantes	2
Développement d'entreprises "start-up"	3
Egalité des sexes et autonomisation des femmes	4
Eau et normes sanitaires	5
Habitat	5
Amélioration de la santé	5
Improvement of adult education	5
Génération d'emploi	5
Opportunités pour les jeunes	5
Scolarisation des enfants	5
+ Poverty targets
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
+ Savings products offered
Voluntary savings accounts
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary life insurance
+ Other financial products and services offered
Carte de crédit/débit
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Education financière de base
+ 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:	Vivienda progresiva hasta un máximo de Q. 36,000 y micro seguros con un costo mensual de Q. 5
+ 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.
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)
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
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)