Caja Municipal de Ahorro y Crédito de Trujillo

Encours Brut de Prêts USD, 2011: 438.6 million

Nombre d'emprunteurs actifs 2011: 126,676

Solde moyen de prêt par emprunteur USD, 2011: 3,462.1

Epargne USD, 2011: 407.6 million

Actif USD, 2011: 566.7 million

Nombre d'épargnants 2011: 152,793

Objectifs:

To contribute to regional economic development supporting the local microenterprise providing quality and cost effective services, fostering a culture of savings and investments.

Adresse:

Jr. Francisco Pizarro 458

Trujillo

La Libertad

Peru

Téléphone:

(51) 044 29-4000

Fax:

x1011

Email:

postmaster [at] cajatrujillo [dot] com [dot] pe

Site web:

www.cajatrujillo.com.pe/

Produits et Services:

Loans

Voluntary Savings

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1982

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)
Accès accru aux services financiers	1
Développement d'entreprises "start-up"	2
Croissance des entreprises existantes	2
Réduction de la pauvreté	4
Génération d'emploi	5
Egalité des sexes et autonomisation des femmes	6
Opportunités pour les jeunes	7
Scolarisation des enfants	8
Amélioration de la santé	9
Improvement of adult education	10
Eau et normes sanitaires	11
Habitat	12
+ Poverty targets
Pas d'objectif précis en termes de pauvreté
+ Gouvernance
Has trained members of its board on social performance management
Dispose d'un comité officiel au sein du conseil qui surveille la performance sociale
+ 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
Comptes courants
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary life insurance
+ Other financial products and services offered
Carte de crédit/débit
+ 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
+ Responsabilité sociale envers le personnel
+ Ressources humaines
+ Incitations du personnel liées à la performance sociale
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

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

MFI Report