Credi Fé Desarrollo Microempresarial S.A.

Objectifs:

Somos una subsidiaria del Banco Pichincha, que a través de la gestión y administración de servicios financieros integrados y sustentables, contribuye al desarrollo del sector microempresarial. Garantizamos a los accionistas rentabilidad para nuestra sostenibilidad, y progreso a los ... En savoir plus

Contexte et principaux défis:

• Tener la rentabilidad adecuada que nos asegure permanencia en el mercado de microfinanzas. • Maximizar y fortalecer la relación de negocios con el segmento objetivo; a través de la mejor oferta de servicios, atendiendo las necesidades financieras de la microempresa y alcanzando amplia ... En savoir plus

Adresse:

Francisco Robles 411 y 6 de Diciembre - Edificio Quorus

Quito

Pichincha

Ecuador

Téléphone:

(593 2) 2502150

Fax:

(593 2) 2950625 /201

Email:

llrivera [at] pichincha [dot] com

Site web:

www.credife.com

Principales sources de financement:

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Insurance

Produits:

Loans

à la recherche de :

Capacity-Building Grants

Donations

Guarantees

Loans in US$

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Avr 9 1999

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)
Clients living in urban areas	1
Clients living in rural areas	2
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	1
Développement d'entreprises "start-up"	1
Génération d'emploi	3
Réduction de la pauvreté	3
+ Poverty targets
Clients à faibles revenus
Pas d'objectif précis en termes de pauvreté
+ Gouvernance
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 agricoles
Prêts au logement
+ Savings products offered
Comptes courants
Voluntary savings accounts
Dépots à terme
Comptes d'épargne à but spécifique
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary life insurance
Voluntary health insurance
+ Other financial products and services offered
Remittances services
Microleasing
+ 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
Méthode de l'amortissement dégressif
+ Responsabilité sociale envers le personnel
+ Ressources humaines
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
Per capita household income