Fondo de Desarrollo Comunal

Objectifs:

Otorgar a pobladores rurales y urbanos populares, créditos y servicios financieros en condiciones accesibles, para apoyar sus emprendimientos, contribuyendo a su calidad de vida y progreso. To help the farmers and the inhabitants of the rural sectors - men and women - to obtain total ... En savoir plus

Contexte et principaux défis:

Ser una institución financiera líder a nivel nacional, especializada en crédito productivo y servicios financieros accesibles, que promueven el desarrollo de los pobladores rurales y urbanos populares.

Adresse:

Pico de Monte Nº 121 - Barrio Santa Rosita

Santa Cruz de la Sierra

1168

Bolivia

Téléphone:

(591 3) 352 0740

Fax:

(591 3) 353-6069

Email:

direccion [at] fondeco [dot] org

Site web:

www.fondeco.org

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Fund Transfer Services

à la recherche de :

Loans in Local Currency

Capacity-Building Grants

Donations

Guarantees

Loans in US$

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Oct 12 1995

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)
+ Development goals (ranked by importance)
+ Poverty targets
+ 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
Microcredit for household needs/consumption
Prêts agricoles
Prêts au logement
Banca comunal, microwarrant, asalariados, crédito ganadero, agricultura por contrato, préstamo a socios de cooperativas y asociaciones
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Remittances services
Cobranza de servicios básicos, pago de bono de vejez, pago de sueldos a maestros rurales
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ 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:
+ 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
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
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
ALTERFIN	Funding
CORDAID	Funding
FINRURAL	Network Affiliation
FUNDAPRO	Funding
Grameen Foundation	Network Affiliation
INAFI	Network Affiliation
Oikocredit	Funding
Oxfam Novib Fund	Funding
Planet Rating	Rating
PlaNIS	Funding
The Rating Fund	Partner