Financiera El Comercio

Objectifs:

Somos una organización que trabaja mediante la innovación y eficiencia, para que todas las personas y empresas, especialmente las de menores ingresos, accedan a más y mejores servicios financieros, contribuyendo a la reducción de la pobreza en el Paraguay, ofreciendo una sostenida rentabilidad ... En savoir plus

Adresse:

Avda. Aviadores del Chaco 1.669 casi Dr. López Moreira, Edificio AYMAC-Entrepiso

Asunción

Capital

Paraguay

Téléphone:

+595 21 618 8000

Fax:

595-21-443-997

Email:

info [at] elcomercio [dot] com [dot] py

Site web:

www.elcomercio.com.py

Principales sources de financement:

Préstamos

Capital accionario

Ahorros

Donaciones

Produits et Services:

Préstamos

Servicios financieros

Ahorro voluntario

Seguros

Servicio de transferencia de fondos

Services Offerts:

Educación

Salud

Servicios de desarrollo empresarial

à la recherche de :

Préstamos en moneda local

Donaciones

Donaciones para crear capacidad

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1976

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NBFI

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in rural areas	1
microempresarios	2
Femmes	3
Clients living in urban areas	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Réduction de la pauvreté	2
Egalité des sexes et autonomisation des femmes	3
Croissance des entreprises existantes	4
Habitat	5
Scolarisation des enfants	6
Génération d'emploi	7
+ 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
Microcredit for household needs/consumption
Prêts aux PME
Prêts agricoles
Prêts d'éducation
Prêts au logement
Préstamos a mujeres a través de Banca Comunal, préstamos para la producción, mejora y ampliación de vivienda, créditos especiales para pequeños ganaderos, para las mejoras de hoteles "Mi Hotel", etc.
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
Ahorro a Plazo Fijo (Certificado de Depósito de Ahorro).
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary agricultural insurance
Seguro de vida para giros, seguro multiriesgo comercio, seguro para automoviles
+ Other financial products and services offered
Carte de crédit/débit
Remittances services
Cobro de servicios públicos y privados, Cambios de divisas.
+ Services non financiers offerts
+ Enterprise services offered
Pago de traslado de ganado, pago de salarios, cobro de impuestos, etc.
+ Education services offered
Education financière de base
Child and youth education
+ Health services offered
Seguridad alimentaria a mujeres
+ Women's empowerment services offered
Formation au leadership pour les femmes
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Banca Comunal y créditos a los pequeños y microagricultores.
+ 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
+ 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)
Cobertura de seguro médico, premio por culminación de carreras, pago refrigerio,cobertura de parte del costo de uniformes.
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Inclusion des communautés rurales/isolées
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 includes specific clauses in its loan contracts to mitigate specific environmental risks
This institution identifies enterprises with environmental risk
Ofrece créditos para mejoramiento de procesos productivos que mitiguen el impacto negativo al medio ambiente.
+ Poverty measurement tools in use