Servicios Financieros Comunitarios, S.A. de C.V. SOFIPO

Encours Brut de Prêts USD, 2011: 49.4 million

Nombre d'emprunteurs actifs 2011: 50,900

Solde moyen de prêt par emprunteur USD, 2011: 970.9

Epargne USD, 2011: 37.6 million

Actif USD, 2011: 68.9 million

Nombre d'épargnants 2011: 85,358

Objectifs:

FinComun's mission is to be the best finnancial institution in the communities that operate and, through the services we offer, create development conditions for our customers.

Contexte et principaux défis:

FinComun was created in 1994 as an initiative of Fundación Juan Diego. In this time Fincomun has 70 branches and more than 140,000 clients. During this period, Fincomun has contributed to the creation of more than 1,000 jobs.

Adresse:

Av. Coyoacan #1843 Col. Acacias del Valle, Benito Juárez

México D.F.

3100

Mexico

Téléphone:

(525) 200-1610

Fax:

(525) 200-1638

Email:

info [at] fincomun [dot] com [dot] mx

Site web:

www.fincomun.com.mx

Principales sources de financement:

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Fund Transfer Services

Produits:

FinComun attends to the needs of low and middle-income levels. 62% of their clients are women. Fincomun encourages voluntary savings for its clients and offers loans adapted to the necessity of their clients. Interest rates vary between 4% and 6% monthly.

à la recherche de :

Loans in Local Currency

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Sep 15 1994

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)
+ Development goals (ranked by importance)
+ Poverty targets
Pas d'objectif précis en termes de pauvreté
+ 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
Dépots à terme
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
+ 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 du taux constant
+ Responsabilité sociale envers le personnel
+ Ressources humaines
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 de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Qualité des données sociales collectées
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