Cooperativa de Ahorro y Crédito Maquita Cushunchic

Objectifs:

We are a financial entity maintaining principals of ethics and solidarity. We believe in the capacity of our members and contribute to their social economic development through providing guidance for their financial decisions and offering appropriate solutions to their needs.

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Contexte et principaux défis:

Al 2012 la Cooperativa Maquita Cushunchic será una institución financiera para el desarrollo, socialmente responsable, que ofrece una amplia gama de productos y servicios financieros, de calidad, a precios competitivos, para microempresarios, especialmente mujeres y familias de sectores ... En savoir plus

Adresse:

Av. Cardenal de la Torre S15-111 y Ajaví Panamericana Sur Km 11/2

Quito

Pichincha

Ecuador

Téléphone:

593 2 2624344

Fax:

593 2 2624345

Email:

coacmcch [at] andinanet [dot] net

Principales sources de financement:

Grants

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Funds Transfer Services

Services Offerts:

Full-scale Financial Services

Other

à la recherche de :

Equity

Capacity-Building Grants

Donations

Guarantees

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1998

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Credit Union / Cooperative

réglementé:

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Clients living in urban areas	2
Clients living in rural areas	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Egalité des sexes et autonomisation des femmes	3
Génération d'emploi	4
Amélioration de la santé	5
+ 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 d'éducation
Prêts au logement
+ Savings products offered
Voluntary savings accounts
Dépots à terme
Comptes d'épargne à but spécifique
+ Compulsory insurance products required
Compulsory credit life insurance
Microseguro
+ Voluntary insurance products offered
Voluntary life insurance
+ Other financial products and services offered
Remittances services
Pago mediante cheques, pago nomina de empresas
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Education financière de base
+ Health services offered
Services médicaux de base
+ 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 de l'amortissement dégressif
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Benefits (medical insurance, pension contribution)
+ Incitations du personnel liées à la performance sociale
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
Hivos	Funding
Hivos-Triodos Fund	Funding
Incofin - Volksvermogen Microfinance Portfolio	Funding
Luxmint - ADA	Funding
MicroBanx Systems, LLC	Vendor
Microfinanza Rating	Rating
MicroRate	Rating
RFR	Network Affiliation
The Rating Fund	Partner

Former
Nom	Relation
LMDF	Funding

MFI Report