Caja Municipal de Ahorro y Crédito de Sullana S.A.

Encours Brut de Prêts USD, 2011: 400.7 million

Nombre d'emprunteurs actifs 2011: 107,973

Solde moyen de prêt par emprunteur USD, 2011: 3,710.8

Epargne USD, 2011: 372.9 million

Actif USD, 2011: 499.5 million

Nombre d'épargnants 2011: 190,688

Objectifs:

As a regional MFI, we foster the development of the social sector and aim to be an effective, competitive and profitable organization. We adapt and innovate our financial services through modern and appropriate technology. We offer personal and professional attention to all clients in addition ... En savoir plus

Contexte et principaux défis:

We are a leading microfinance institution - regional, effective, competitive, high-quality and profitable. We constantly strive to offer financial services to facilitate social development.

Adresse:

Plaza de Armas 250

Sullana

Piura

197

Peru

Téléphone:

(517) 350-1920

Fax:

(517) 350-2871

Email:

planificacion [at] cmac-sullana [dot] com [dot] pe

Site web:

www.cmac-sullana.com.pe

Principales sources de financement:

Loans

Savings

Produits et Services:

Loans

Voluntary Savings

Insurance

Fund Transfer Services

Produits:

Microenterprise Loans
Loans for Agriculture
Loans for Consumption
Gold Loans
Checking Accounts
Fixed Term Savings

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)
Clientes de bajos ingresos	1
Clients living in urban areas	2
Clients living in rural areas	3
Femmes	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Génération d'emploi	2
Développement d'entreprises "start-up"	3
Croissance des entreprises existantes	4
Réduction de la pauvreté	5
Habitat	6
+ Poverty targets
Clients à faibles revenus
Pas d'objectif précis en termes de pauvreté
+ Gouvernance
+ 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
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
Carte de crédit/débit
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:
+ 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
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
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
COPEME	Partner
FEPCMAC	Network Affiliation
MicroRate	Rating
WSBI	Network Affiliation

MFI Report