FUNDACIÓN DELAMUJER

Encours Brut de Prêts USD, 2011: 186.7 million

Nombre d'emprunteurs actifs 2011: 226,246

Solde moyen de prêt par emprunteur USD, 2011: 825.4

Epargne USD, 2011: 0.0

Actif USD, 2011: 212.1 million

Nombre d'épargnants 2011: 0

Objectifs:

Our work is to distinguish ourselves from the competition y differentiate ourselves in the market to secure the loyalty and permanence of our clients. Consequently, our mission is to generate confidence and loyalty for our internal and external clients - the latter preferably being lower income ... En savoir plus

Contexte et principaux défis:

Participar en las reformas legales para facilitar la regulación de las instituciones microfinancieras y el desarrollo adecuado de la industria microfinanciera; introducir nuevas tecnologias que minimice el costo y establecer alianzas estratégicas que permitan soluciones en operaciones ... En savoir plus

Adresse:

Calle 43# 29-13 piso 7 Edificio Tempo II

Bucaramanga

Santander

Colombia

Téléphone:

(577) 645-3379

Fax:

(577) 632-0052

Email:

fmmb [at] fmmb [dot] org

Site web:

www.fmmb.org

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Insurance

à la recherche de :

Loans in Local Currency

Donations

Guarantees

Capacity Building Grants

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Avr 16 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 urban areas	2
Clients living in rural areas	2
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Egalité des sexes et autonomisation des femmes	2
Croissance des entreprises existantes	3
Génération d'emploi	4
Développement d'entreprises "start-up"	5
Capacitación en Formación Empresarial a clientes.	6
Scolarisation des enfants	7
Habitat	8
Réduction de la pauvreté	9
+ Poverty targets
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
Compra de computador, Compra de motocicleta. Microseguros. Reformas y adecuaciones del local de la microempresa o del hogar del empresario.
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary life insurance
Seguro de Daños (catastofres), Seguro Exequial.
+ Other financial products and services offered
Corresponsales de Servicio (Corresponsal No Bancario para transacciones de recaudo y pagos).
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
+ Education services offered
Education financière de base
Child and youth education
+ Health services offered
Brigadas de salud a traves de convenios con otras empresas.
+ 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
+ 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)
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
+ Poverty measurement tools in use
Per capita household income