COOPAC Norandino Ltda.

Objectifs:

Ofrecer servicios financieros con eficiencia, oportunidad y competitividad a las familias socias de la COOPAC NORANDINO, que normalmente no tienen acceso al sistema financiero formal.

Contexte et principaux défis:

Brindar servicios financieros a la poblacion rural mas pobre. Dinamizar al sector rural, convirtiendolo en eje de desarrollo.

Adresse:

Mariscal Ureta 1128

Jaén

Cajamarca

Peru

Téléphone:

(517) 643-3327

Fax:

(517) 643-4684

Email:

rgarcia [at] coopacnorandino [dot] com

Site web:

www.coopacnoradino.com

Principales sources de financement:

Préstamos

Capital accionario

Ahorros

Donaciones

Produits et Services:

Préstamos

Servicios financieros

Ahorro voluntario

Servicio de transferencia de fondos

à la recherche de :

Capital

Préstamos en USD

Préstamos en moneda local

Donaciones

Garantías

Donaciones para crear capacidad

Préstamos en euros

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 2005

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Credit Union / Cooperative

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Adolescents and youth (below 18)	2
Clients living in urban areas	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Réduction de la pauvreté	2
Opportunités pour les jeunes	3
Croissance des entreprises existantes	4
Développement d'entreprises "start-up"	5
Génération d'emploi	6
Egalité des sexes et autonomisation des femmes	7
Habitat	8
+ Poverty targets
Clients pauvres
+ 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
+ Savings products offered
Voluntary savings accounts
Dépots à terme
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Services d'aide à l'épargne
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
Services de développement de l'activité
+ Education services offered
Education financière de base
+ Health services offered
+ Women's empowerment services offered
Talleres de gestion empresarial
+ 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)
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
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements

+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)

Partenariats

Current
Nom	Relation
ALTERFIN	Funding
COPEME	Network Affiliation

MFI Report

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Profil de Performance Sociale

Partenariats

En Bref

Contacts

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