Servicios para el Desarollo Comunitario, S.A. de C.V.

Encours Brut de Prêts USD, 2011: 10.9 million

Nombre d'emprunteurs actifs 2011: 40,297

Solde moyen de prêt par emprunteur USD, 2011: 270.9

Epargne USD, 2011: 2.6 million

Actif USD, 2011: 16.8 million

Nombre d'épargnants 2011: 40,297

Objectifs:

Contribuir al desarrollo integral de las personas de escasos recursos mediante el microfinanciamiento, la capacitación y el acompañamiento, con base en una cultura empresarial, de rentabilidad, especialización, profesionalismo y honestidad, alcanzando así, relaciones de largo plazo y beneficio ... En savoir plus

Contexte et principaux défis:

Filosofía: Brindar oportunidades de desarrollo de capacidades y habilidades personales, a través de la investigación y práctica de las microfinanzas como una actividad rentable y como la principal herramienta social y económica para apoyar a miles de personas en situación de pobreza, para que ... En savoir plus

Adresse:

Río Nilo 80 Despacho 201Col. Cuauhtémoc

México D.F.

C.P. 06500

Mexico

Téléphone:

0155-155144567

Email:

fondeo [at] credicomun [dot] com [dot] mx

Site web:

www.credicomun.com.mx

Principales sources de financement:

Préstamos

Produits et Services:

Préstamos

Ahorro voluntario

Seguros

Services Offerts:

Otros

à la recherche de :

Capital

Préstamos en USD

Préstamos en moneda local

Garantías

Donaciones para crear capacidad

% des opérations représentant la MF:

91 - 100

Date de création:

Mar 11 2005

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)
Femmes	1
Clients living in rural areas	2
Clientes sin actividad productiva pero que conocen el negocio y se les da la oportunidad de acceder a un microcrédito.	3
Clients living in urban areas	4
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Egalité des sexes et autonomisation des femmes	3
Croissance des entreprises existantes	4
Génération d'emploi	5
Développement d'entreprises "start-up"	6
Improvement of adult education	7
Opportunités pour les jeunes	8
+ Poverty targets
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
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Sensibilizar a la comunidad para particpación en talleres de instrucción financiera básica.
+ Health services offered
+ Women's empowerment services offered
Se les empodera a través de la propia metodología de banca comunal, mediante el microcrédito, para que decidan emprender o fotalecer una actividad económica, organicen su grupo y lo coordinen para lograr el desarrollo de sus integrantes.
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	El Microcrédito con la metodología de banca comunal.
+ 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
Transparency on salary (a clear salary scale based upon market salaries)
Benefits (medical insurance, pension contribution)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Incitations du personnel liées à la performance sociale
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
Indice de pauvreté spécifique à l'institution

Partenariats

Current
Nom	Relation
DID	Network Affiliation
FEDRURAL	Network Affiliation
Freedom from Hunger	Partner
Kiva	Funding
Prodesarrollo	Network Affiliation

MFI Report