Rural Credit Cooperative 'Doveriye'

Objectifs:

The mission of Rural Credit Cooperative 'Doveriye-Bulgaria' is to improve economic conditions through increasing the access to small credits and quality saving services.

Adresse:

Dame Gruev №8, floor 2

Dobrich

9300

Bulgaria

Téléphone:

+359 58602125

Email:

doveriedb [at] abv [dot] bg

Site web:

www.creditcoops.org/

Principales sources de financement:

Гранты

Средства учредителей

Займы

Сбережения

Produits et Services:

Займы

Добровольные сбережения

Финансовые услуги

Services Offerts:

Комплекс финансовых услуг

à la recherche de :

Займы в национальной валюте

Займы в евро

Займы в долларах США

Гранты на развитие

% des opérations représentant la MF:

91 - 100

Date de création:

Mar 14 1996

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Credit Union / Cooperative

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in rural areas	1
Femmes	2
	3
Clients living in urban areas	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Développement d'entreprises "start-up"	2
Egalité des sexes et autonomisation des femmes	3
Réduction de la pauvreté	4
Génération d'emploi	5
Croissance des entreprises existantes	6
Habitat	7
+ Poverty targets
Pas d'objectif précis en termes de pauvreté
+ Gouvernance
Has trained members of its board on social performance management
Dispose d'un comité officiel au sein du conseil qui surveille la performance sociale
+ 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 d'éducation
Prêts au logement
+ Savings products offered
Compulsory savings accounts (cash collateral)
Dépots à terme
+ 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
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Transparency on salary (a clear salary scale based upon market salaries)
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
Inclusion des communautés rurales/isolées
Inclusion des femmes
Qualité de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Qualité des données sociales collectées
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
+ Poverty measurement tools in use