FIS - Empresa Social S.A. | MFIs in Argentina

Objectifs:

To provide microcredit services, on a broad scale and in a sustainable way, to the working poor in Argentina, in order to support their development and that of their communities. Generar y fortalecer relaciones crediticias duraderas con personas de trabajo para crecer juntos.

Contexte et principaux défis:

Operating with two branches in rural areas (Santiago del Estero and Chaco) since 1999. Since September 2003 operating in Greater Buenos Aires, with two branches (Monte Grande and Lomas de Zamora). FIS also has the third urban branch placed in San Francisco Solano.

The main challenge ... En savoir plus

Adresse:

Rivadavia 11618

Buenos Aires

Capital Federal

1408

Argentina

Téléphone:

(544) 642-5802 /6052

Fax:

(544) 642-5802 /6052

Email:

contacto [at] emprenda [dot] com [dot] ar

Site web:

www.emprenda.com.ar

Principales sources de financement:

Grants

Loans

Shareholder Capital

Produits et Services:

Loans

Insurance

Produits:

Group loans.
Now introducing individual loans.
Also providing solar systems for household electricity in rural areas.

à la recherche de :

Loans in Local Currency

Donations

Guarantees

Capacity Building Grants

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Oct 1 1999

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NBFI

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 de l'amortissement dégressif
+ 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
Capacité d'attirer de nouveaux clients du marché cible
Inclusion des communautés rurales/isolées
Qualité de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
Dignity Fund, L.P.	Funding
Dignity Fund, L.P.	Funding
Intihuaca - BMM Argentina	Partner
Oikocredit	Funding
RADIM	Network Affiliation
Unitus	Network Affiliation

MFI Report

FIS - Empresa Social S.A.

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Profil de Performance Sociale

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