Crédito y capacitación para la microempresa

Objectifs:

To offer opportunities of easy access to the credit and the training, to the women and men microentrepeneurs, in order to they strengthen their commercial and productive activity, improve their quality of life, and join to the economic and social development of the country. “Brindar ... En savoir plus

Contexte et principaux défis:

A trajectory of 23 years in micro-credit. Mainly to women: 88% of the portfolio. Trayectoria de 23 años en Microcrédito. Principalmente a mujeres:88% de la cartera.

Adresse:

De la entrada Norte de NOVACENTRO, 50 mts al Norte. Calle Santa Cecilia. Urb. Villa Capri, casa # 23.

Goicochea Guadalupe

SAN JOSE

3128-1000

Costa Rica

Téléphone:

(506) 2234-9070

Fax:

(506) 224-5630

Email:

cremujer [at] ice [dot] co [dot] cr

Site web:

www.credimujer.org

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

à la recherche de :

Equity

Loans in Local Currency

Capacity-Building Grants

Donations

% des opérations représentant la MF:

91 - 100

Date de création:

Oct 2 1984

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NGO

réglementé:

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Clients living in urban areas	2
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Génération d'emploi	2
Croissance des entreprises existantes	3
Egalité des sexes et autonomisation des femmes	4
+ Poverty targets
Clients très pauvres
Clients pauvres
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
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ 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
+ 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).
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
+ 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
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
Oikocredit	Funding
REDCAMIF	Network Affiliation
REDCOM	Network Affiliation

MFI Report