Programa de Microcrédito Produtivo Orientado do Banco do Nordeste

Encours Brut de Prêts USD, 2011: 633.6 million

Nombre d'emprunteurs actifs 2011: 1.0 million

Solde moyen de prêt par emprunteur USD, 2011: 605.7

Epargne USD, 2011: 0.0

Actif USD, 2011: 632.2 million

Nombre d'épargnants 2011: 0

Objectifs:

Contribuir para o desenvolvimento do setor microempresarial mediante a oferta de serviços financeiros e de orientação empresarial, de forma sustentável, oportuna e de fácil acesso, assegurando novas oportunidades de ocupação e renda no Brasil.

Contexte et principaux défis:

Ampliar a área de atuação para todas as regiões do Brasil. Para atingir esse objetivo, tem como principais estratégias ampliar as parcerias públicas e privadas, ampliar os pontos de atendimento, investir em tecnologia.

Adresse:

Av. Pedro Ramalho, 5.700 - Passaré

Fortaleza

Ceará

60743-902

Brazil

Téléphone:

(+55) 85 3299-3000

Fax:

(+55) 85 3295-2105

Email:

clienteconsulta [at] banconordeste [dot] gov [dot] br

Site web:

www.bnb.gov.br

Principales sources de financement:

Loans

Produits et Services:

Loans

à la recherche de :

Loans in Local Currency

Donations

Guarantees

Capacity Building Grants

Equity investments

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Nov 27 1997

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Bank

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
+ Development goals (ranked by importance)
+ Poverty targets
Clients très pauvres
Clients pauvres
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
Reforma de la vivienda y de la empresa
+ Savings products offered
Voluntary savings accounts
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
En la metodología de bancos comunales hay acciones que promueven el empoderamiento de los miembros del grupo.
+ 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 du taux constant
+ 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
Client retention/drop-out rate
Qualité du portefeuille
+ 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
Means test