Fundacion de Asistencia para la Pequeña Empresa

Objectifs:

Promovemos el desarrollo integral de las personas de la micro y pequeña empresa y sus comunidades, proporcionandoles servicios financieros, capacitacion y orientacion Crsitiana a traves de una esmerada atencion personalizada.

Contexte et principaux défis:

Fape tiene 25 años de estar en el sector de microfinanzas atendiendo tres regiones principales que son Sacatepequez, Chimaltenango y Villa Nueva. Los principales desafios es continuar con un alto grado de profundizacion y lograr un crecimiento de un 38% para el 2012. Cubrir a todos los socios de ... En savoir plus

Adresse:

11 Avenida 3-16 Residenciales Santa Mónica Zona 2

Guatemala City

Guatemala

1057

Guatemala

Téléphone:

(502) 2250-7800

Fax:

(502) 2439 1113

Email:

fape [at] c-net [dot] gt

Site web:

www.fundacionfape.org

Principales sources de financement:

Grants

Shareholder Capital

Produits et Services:

Loans

Insurance

Services Offerts:

Health

Education

à la recherche de :

Loans in Local Currency

Capacity-Building Grants

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1986

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)
Femmes	1
Clients living in rural areas	1
Clients living in urban areas	2
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Génération d'emploi	2
Accès accru aux services financiers	3
Egalité des sexes et autonomisation des femmes	4
Amélioration de la santé	5
Habitat	6
Eau et normes sanitaires	7
Développement d'entreprises "start-up"	8
Croissance des entreprises existantes	9
Opportunités pour les jeunes	10
+ 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 au logement
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
Seguro de accidente y de invalidez
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
+ Health services offered
+ 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).
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.
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)
Protection au travail (sécurité, anti-harcèlement)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
Seguro de vida
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
Per capita household expenditure
Per capita household income