Fondo de Inversiones para el Desarrollo de la Microempresa

Encours Brut de Prêts USD, 2011: 1.7 million

Nombre d'emprunteurs actifs 2011: 3,198

Solde moyen de prêt par emprunteur USD, 2011: 528.5

Epargne USD, 2011: 0.0

Actif USD, 2011: 1.9 million

Nombre d'épargnants 2011: 0

Objectifs:

Promover el mejoramiento de las condiciones de vida de los microempresarios, los pequeños productores agrícolas, sus familias y comunidades ofreciéndoles servicios oportunos de financiamiento, asistencia técnica, capacitación y apoyo al mercadeo, que les permitan elevar sus niveles de ingresos, ... En savoir plus

Adresse:

Av. San Martín No.11, esq. Bartolomé Colón,3er Nivel, Villa Consuelo

Santo Domingo

Dominican Republic

Téléphone:

(809) 221-0402

Fax:

(809) 221-8721

Email:

fime [at] verizon [dot] net [dot] do

Site web:

www.fimeonline.org.do/

Principales sources de financement:

Préstamos

Donaciones

Produits et Services:

Préstamos

Capacitación y consultoría

Seguros

à la recherche de :

Préstamos en moneda local

Garantías

Date de création:

Mar 23 1994

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
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Génération d'emploi	2
Accès accru aux services financiers	3
Habitat	4
Scolarisation des enfants	5
+ Poverty targets
Clients très pauvres
Clients pauvres
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 non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
+ Education services offered
Education financière de base
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Prestamos para Innovadores, Prestamos Agricolas. Microprestamos para remodelacion de vivienda. Prestamos a microempresas
+ 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
+ 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
Capacité d'attirer de nouveaux clients du marché cible
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts

+ Poverty measurement tools in use