Fundación CRYSOL

Objectifs:

SOMOS UNA FUNDACIN GUATEMALTECA LIDER EN EL DESARROLLO DE PROGRAMAS MICROFINANCIEROS EN AREA RURALES Y URBANAS,QUE BAJO LOS PRINCIPIOS DE CRECIMIENTO, SOLIDARIDAD; MUJERES Y HOMBRES SE ESFUERZAN POR UN MEJOR BIENESTAR SOCIOECONOMICO DE SUS FAMILIAS, GRUPOS Y COMUNIDADES.

Contexte et principaux défis:

DIVERSIFICAR PRODUCTOS Y SERVICIOS, CRECIMIENTO A NUEVAS COMUNIDADES RURALES, MEJORAR LOS SISTEMAS DE INFORMACION.

Adresse:

Barrio La Esperanza., 6a. Avenida 1-29 Zona 2.

Jalapa

Guatemala

Téléphone:

(502) 7922-7887/90

Fax:

(502) 7922-7887

Email:

info [at] fundacioncrysol [dot] org

Site web:

www.fundacioncrysol.org

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Produits:

Loans

Services Offerts:

Business Development Services

à la recherche de :

Loans in Local Currency

Donations

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 2000

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 rural areas	1
Clients living in urban areas	2
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Réduction de la pauvreté	2
Génération d'emploi	3
+ 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
Prêts aux PME
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
Formation au leadership pour les femmes
Women's rights education/gender issues training
+ 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.
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.
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
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
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
MFSI	Vendor
Oikocredit	Funding
REDCAMIF	Network Affiliation
REDIMIF	Network Affiliation

MFI Report

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Profil de Performance Sociale

Partenariats

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Contacts

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