+ Détails de la mission
+ Target markets (ranked by importance)
Microempresarios, niños.
1
Clients living in urban areas
2
Clients living in rural areas
3
Femmes
4
Adolescents and youth (below 18)
5
+ Development goals (ranked by importance)
Accès accru aux services financiers
1
Croissance des entreprises existantes
2
Génération d'emploi
3
Développement d'entreprises "start-up"
4
Réduction de la pauvreté
5
Habitat
6
Egalité des sexes et autonomisation des femmes
7
Amélioration de la santé
8
Improvement of adult education
9
Scolarisation des enfants
10
Opportunités pour les jeunes
11
Eau et normes sanitaires
12
+ Poverty targets
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
Dépots à terme
Comptes d'épargne à but spécifique
+ Compulsory insurance products required
Seguro de Desgravamen obligatorio para Persona mayores de 70 año de edad y Empresas EIRL.
+ Voluntary insurance products offered
+ Other financial products and services offered
Services bancaires mobiles
Services d'aide à l'épargne
Giros nacionales.
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Se brinda Talleres de Capacitación en Gestion Administrativa y Financiera de sus Negocios y en Ahorros se Fomenta la Cultura de Ahorros en tre los niños de nivel primario.
+ 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.
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
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
MFI Report
