Financiera Mexicana para el Desarrollo Rural, S.A. DE C.V., SOFIPO

Encours Brut de Prêts USD, 2011: 9.4 million

Nombre d'emprunteurs actifs 2011: 19,780

Solde moyen de prêt par emprunteur USD, 2011: 473.7

Epargne USD, 2011: 8.7 million

Actif USD, 2011: 14.8 million

Nombre d'épargnants 2011: 34,109

Objectifs:

Atender las necesidades de servicios financieros de personas y microempresas de zonjas rurales y suburbanas de México, con operaciones rentables, fiables y permanentes.

Contexte et principaux défis:

Lograr una presencia creciente en el mercado de finanzas populares, basado en la confianza de la clientela en que la institución promueve el desarrollo de los acreditados y ahorradores, ello en virtud de cualidades de Finamigo en materia de innovación, ética, sólidez y sentido de beneficio de ... En savoir plus

Adresse:

Insurgente Sur no. 1844 Piso 2, Florida

México D.F.

CP 1030

Mexico

Téléphone:

5322-3770

Fax:

5661 6978

Email:

mmata [at] financierafinamigo [dot] com [dot] mx

Site web:

www.finamigo.com.mx

Principales sources de financement:

Loans

Produits et Services:

Loans

Voluntary Savings

Insurance

Funds Transfer Services

à la recherche de :

Loans in Local Currency

Date de création:

Jan 1 2003

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
Femmes	2
Clients living in urban areas	3
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Développement d'entreprises "start-up"	3
Génération d'emploi	4
Réduction de la pauvreté	5
Habitat	6
Improvement of adult education	7
Scolarisation des enfants	8
Egalité des sexes et autonomisation des femmes	9
+ Poverty targets
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 au logement
+ Savings products offered
Comptes courants
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
Comptes d'épargne à but spécifique
Tarjetas prepagadas
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary credit life insurance
Voluntary life insurance
Voluntary health insurance
Gastos Médicos Mayores, Seguro de Inmigrante
+ Other financial products and services offered
Carte de crédit/débit
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Education financière de base
+ 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.
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)
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
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
AMSOFIPO	Network Affiliation
Freedom from Hunger	Partner
Prodesarrollo	Network Affiliation

MFI Report