Fundación de Apoyo Comunitario y Social del Ecuador

Objectifs:

Contribuir a combatir la pobreza y desempleo en la economía urbana y rural, promoviendo el desarrollo de la microempresa mediante la provisión sostenible de servicios financieros, adaptados a sus requerimientos. Promover especialmente a las mujeres microempresarias para que desarrollando su ... En savoir plus

Contexte et principaux défis:

Para el año 2012, FACES MICROFINANZAS será una entidad proactiva, eficiente, competitiva, sostenible financieramente, reconocida por la calidad e innovación de sus productos financieros, con una cobertura ampliada a la Región Sur del Ecuador para satisfacer necesidades de segmentos poblacionales ... En savoir plus

Adresse:

Sucre 13-109 y Cotacocha

Loja-Loja

Ecuador

Téléphone:

07-2575041

Fax:

07-2578724

Email:

faces [at] lo [dot] pro [dot] ec

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Insurance

Training and Consulting

Services Offerts:

Health

Other

à la recherche de :

Equity

Loans in Local Currency

Guarantees

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1991

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)
Clients living in rural areas	1
Femmes	2
Clients living in urban areas	3
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Egalité des sexes et autonomisation des femmes	2
Croissance des entreprises existantes	3
Improvement of adult education	4
Génération d'emploi	5
Amélioration de la santé	6
Accès accru aux services financiers	7
Opportunités pour les jeunes	8
Scolarisation des enfants	9
Développement d'entreprises "start-up"	10
Eau et normes sanitaires	11
Habitat	12
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ 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
Prêts aux PME
Prêts agricoles
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary life insurance
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Services de développement de l'activité
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
+ Health services offered
Services médicaux de base
+ Women's empowerment services offered
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).
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
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
Inclusion des femmes
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
This institution identifies enterprises with environmental risk

+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)