Caja Municipal de Ahorro y Crédito - Arequipa

Encours Brut de Prêts USD, 2011: 748.7 million

Nombre d'emprunteurs actifs 2011: 212,844

Solde moyen de prêt par emprunteur USD, 2011: 3,517.5

Epargne USD, 2011: 676.4 million

Actif USD, 2011: 855.6 million

Nombre d'épargnants 2011: 427,557

Objectifs:

Brindar servicios de intermediación microfinanciera de calidad, con compromiso hacia nuestros clientes y trabajadores.

Contexte et principaux défis:

La Caja Municipal de Arequipa se constituyó como asociación sin fines de lucro por Resolución Municipal Nro. 1529 del 15 de julio 1985 al amparo del Decreto Ley Nro. 23039 otorgándose la Escritura Pública de constitución y estatuto el 12 de febrero de 1986 ante el Notario Público Dr. Gorky ... En savoir plus

Adresse:

La Merced 106

Arequipa

Peru

Téléphone:

(515) 422-0001

Fax:

(515) 422-0001 anx 237

Email:

webmaster [at] cmac-arequipa [dot] com [dot] pe

Site web:

www.cmac-arequipa.com.pe

Principales sources de financement:

Savings

Produits et Services:

Loans

Voluntary Savings

Produits:

CMAC-Arequipa offers credit to small and micro businesses as well as individual loans, agricultural loans and collateral loans. Loan size ranges from US$ 150 to US$ 3,500 in Soles and from US$ 1,000 in dollars and the annual interest rates range from 34,49% to 77,54% in Soles, and from 16,77% to ... En savoir plus

Services Offerts:

Other

à la recherche de :

Loans in Local Currency

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1986

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)
+ Development goals (ranked by importance)
+ Poverty targets
+ 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 agricoles
Prêts d'éducation
Prêts au logement
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Remittances services
Microleasing
+ Services non financiers offerts
+ Enterprise services offered
Servicio de Microseguros para clientes de ahorros y créditos
+ 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:
+ 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
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 de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Qualité des données sociales collectées
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
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

Partenariats

Current
Nom	Relation
ASOMIF PERU	Network Affiliation
COPEME	Partner
FEPCMAC	Network Affiliation
MicroRate	Rating
Oxfam Novib Fund	Funding
The Rating Fund	Partner
WSBI	Network Affiliation
WWB	Network Affiliation

MFI Report