Programa de Apoyo para el Desarrollo de la Microempresa Emprender Bolivia

Encours Brut de Prêts USD, 2011: 5.4 million

Nombre d'emprunteurs actifs 2011: 9,269

Solde moyen de prêt par emprunteur USD, 2011: 578.3

Epargne USD, 2011: 0.0

Actif USD, 2011: 6.4 million

Nombre d'épargnants 2011: 0

Objectifs:

“Somos una institución de desarrollo social, transparente y sostenible que brinda productos financieros integrales de alta calidad, ágiles y oportunos a microempresarios y emprendedores de las zonas urbanas, periurbanas y rurales del país, con personal especializado, comprometido y con ... En savoir plus

Contexte et principaux défis:

Los principales desafios de la institución son los siguientes: Concluir el proceso de regulaicón obteniendo al licencia de funcionamiento de la ASFI. Con la regulación se abre el acceso a captaciones de fondos del público, que ayudará en gran parte la reducción de la tasa pasiva. Mantener la ... En savoir plus

Adresse:

Calle Presbítero Medina, Pasaje Tal Tal Nº 570

La Paz

Murillo

Bolivia

Téléphone:

591(2)2152390

Fax:

(591 2) 215-2390

Email:

christianrivera [at] emprender [dot] org [dot] bo

Site web:

www.emprender.org.bo

Principales sources de financement:

Préstamos

Produits et Services:

Préstamos

Servicios financieros

Capacitación y consultoría

Produits:

Grupos Solidarios Créditos Individuales

Services Offerts:

Educación

Salud

à la recherche de :

Préstamos en USD

Préstamos en moneda local

Garantías

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 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)
microempresarios	1
Femmes	2
Clients living in urban areas	3
Clients living in rural areas	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Réduction de la pauvreté	3
Egalité des sexes et autonomisation des femmes	4
Amélioration de la santé	5
Génération d'emploi	6
Développement d'entreprises "start-up"	7
Habitat	8
+ Poverty targets
Clients à faibles revenus
+ 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
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
Services d'aide à l'épargne
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
+ Health services offered
Services médicaux de base
+ 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.
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).
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
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
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
Grameen Progress out of Poverty Index (PPI)