Fondo Ecuménico de Préstamos para la República Dominicana

Adresse:

Calle Alberto Peguero # 103 Miraflores, Distrito Nacional

Santo Domingo

Distrito Nacional

10203

Dominican Republic

Téléphone:

809-333-5273

Fax:

809-333-6402

Email:

eclof [at] tricom [dot] net

Principales sources de financement:

Loans

Produits et Services:

Loans

Insurance

Services Offerts:

Other

à la recherche de :

Loans in Local Currency

Donations

% des opérations représentant la MF:

91 - 100

Date de création:

Avr 7 1984

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
Clients living in rural areas	3
Adolescents and youth (below 18)	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
Génération d'emploi	4
Croissance des entreprises existantes	5
Scolarisation des enfants	6
Opportunités pour les jeunes	7
Habitat	8
Développement d'entreprises "start-up"	9
Eau et normes sanitaires	10
Amélioration de la santé	11
Improvement of adult education	12
+ Poverty targets
Clients très pauvres
Clients pauvres
Clients à faibles revenus
Pas d'objectif précis en termes de pauvreté
+ Gouvernance
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary credit life insurance
Voluntary life insurance
+ 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.
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
Capacité d'attirer de nouveaux clients du marché cible
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
Oikocredit	Funding

MFI Report

Fondo Ecuménico de Préstamos para la República Dominicana

Select i

Profil de Performance Sociale

Partenariats

En Bref

Contacts

Mises à Jour des Données du MIX

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