Centro de Investigación y Desarrollo Regional

Objectifs:

"Contribuir al desarrollo sostenible del pequeño productor agropecuario, de la micro y pequeña empresa rural y periurbana, mediante la prestación de servicios financieros de calidad"

Contexte et principaux défis:

"Ser una entidad líder en el financiamiento rural productivo con innovación y compromiso social"

Adresse:

Calle Juan de la Cruz Torrez # 1674

Cochabamba

Cercado

1804

Bolivia

Téléphone:

591 4 4232566

Fax:

591 4 4117220

Email:

contacto [at] cidre [dot] org [dot] bo

Site web:

www.cidre.org.bo

Principales sources de financement:

Préstamos

Produits et Services:

Préstamos

Servicios financieros

Seguros

Servicio de transferencia de fondos

Services Offerts:

Servicios financieros en gran escala

à la recherche de :

Capital

Préstamos en USD

Préstamos en moneda local

Date de création:

Jan 1 1990

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
Clientes que trabajan en el sector productivo	2
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Réduction de la pauvreté	2
Croissance des entreprises existantes	3
Génération d'emploi	4
Habitat	5
+ Poverty targets
Clients pauvres
+ 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 au logement
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Microcrédito productivo, de comercio & servicios
+ 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
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
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution identifies enterprises with environmental risk

+ Poverty measurement tools in use
Per capita household income