Instituição de Crédito Solidário - Credisol

Objectifs:

Proporcionar acesso a crédito e assistência técnica para atendimento das necessidades de microempreendedores formais e informais dos municípios que integram as microrregiões AMREC e AMESC, com atendimento diferenciado e preços competitivos, gerando resultados que possam assegurar ... En savoir plus

Contexte et principaux défis:

Ser a maior Organização da Sociedade Civil de Interesse Público especializada em micro finanças e assistência técnica para apoio a microempreeendedores formais e informais dos municípios que integram as microrregiões AMREC e AMESC, com a participação de 10% do mercado.

Adresse:

Av. Centenário, 4.243

Criciúma

Santa Catarina

88801-001

Brazil

Téléphone:

(+55) 48 3437-6911

Fax:

(+55) 48 3437-6911

Email:

credisol [at] credisol [dot] org [dot] br

Site web:

www.credisol.org.br/

Date de création:

Oct 8 1999

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)
+ Development goals (ranked by importance)
+ Poverty targets
+ 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
Prêts agricoles
Prêts au logement
+ Savings products offered
+ 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
+ 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
+ Responsabilité sociale envers l'environnement
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
ALTERFIN	Funding
Oikocredit	Funding
Oxfam Novib Fund	Funding

MFI Report