Cooperativa de Ahorro y Crédito Santa Anita

Objectifs:

Existimos para apoyar el desarrollo integral de la comunidad prestando servicios financieros y no financieros acorde a sus necesidades, con ènfasis en el sector rural, a travès de liderazgo y administraciòn eficiente, con personas comprometidas y capacitadas, tecnologìa moderna e infraestructura ... En savoir plus

Contexte et principaux défis:

Ser una organizaciòn en la cual sus socios se identifiquen y sean actores de su propio desarrollo a travès de una cooperativa sòlida, àgil y socialmente comprometida.

Adresse:

Imbabura 883 y Vicente Rocafuerte

Cotacachi

Imbabura

Ecuador

Téléphone:

593 06 2916031

Fax:

593 06 2915226

Email:

coacsantaanita [at] andinanet [dot] net

Site web:

www.coacsantaanita.com

Principales sources de financement:

Grants

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Funds Transfer Services

à la recherche de :

Donations

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 2002

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)
Clients living in rural areas	1
Femmes	2
Adolescents and youth (below 18)	3
Clients living in urban areas	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Réduction de la pauvreté	2
Génération d'emploi	3
Développement d'entreprises "start-up"	4
Croissance des entreprises existantes	5
Opportunités pour les jeunes	6
Egalité des sexes et autonomisation des femmes	7
Improvement of adult education	8
Scolarisation des enfants	9
Amélioration de la santé	10
Eau et normes sanitaires	11
Habitat	12
+ Poverty targets
Clients à faibles revenus
+ 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 agricoles
Prêts d'éducation
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
Comptes d'épargne à but spécifique
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary life insurance
+ Other financial products and services offered
Carte de crédit/débit
Remittances services
Todo lo referente a SRI Régimen simplificado, soat y matriculacion
+ 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.
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
Transparency on salary (a clear salary scale based upon market salaries)
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
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)

Partenariats

Current
Nom	Relation
AVMEI CIA. LTDA	Vendor
Oikocredit	Funding
RFR	Network Affiliation

MFI Report