Fondo Esperanza | MFIs in Chile

Encours Brut de Prêts USD, 2011: 20.2 million

Nombre d'emprunteurs actifs 2011: 51,584

Solde moyen de prêt par emprunteur USD, 2011: 392.0

Epargne USD, 2011: 0.0

Actif USD, 2011: 24.7 million

Nombre d'épargnants 2011: 0

Objectifs:

Construir oportunidades de desarrollo para el mejoramiento continuo de las condiciones de vida de personas de los sectores más pobres de nuestro país, a través de la entrega eficiente de un servicio microfinanciero integral.

Contexte et principaux défis:

Fondo Esperanza (FE) lucha por la superación de la pobreza y la disminución de las desigualdades sociales a través del desarrollo integral, que trae consigo el desarrollo sustentable en Chile. FE aspira a ser la institución líder de microfinanzas en Chile, ofreciendo servicios de excelencia para ... En savoir plus

Adresse:

Arica 3829 Estación Central

Santiago

Chile

Téléphone:

(562) 778-9899

Fax:

(562) 778-9899

Email:

info [at] fondoesperanza [dot] cl

Site web:

www.fondoesperanza.cl

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Training and Consulting

Services Offerts:

Business Development Services

Education

à la recherche de :

Equity

Loans in Local Currency

Donations

% des opérations représentant la MF:

61 - 70

Date de création:

Jan 1 1966

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)
Trabajadores independientes, microempresarios de sectores vulnerables	1
Clients living in urban areas	2
Femmes	3
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Egalité des sexes et autonomisation des femmes	3
+ Poverty targets
Clients très pauvres
Clients pauvres
+ Gouvernance
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
+ Savings products offered
+ Compulsory insurance products required
+ 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
Capacitación integral en Desarrollo del Negocio, Desarrollo Local, Familiar e Individual.
+ 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:	Créditos de montos bajos, con pagos semanales y cuotas accesibles, con garantías solidarias bajo la metodología de Banco Comunal. Junto con el crédito, Educación Emprendedora y Promoción de redes sociales.
+ 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
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
Qualité du portefeuille
Focalización, Indicadores de cumplimiento del servicio de Educación entregado.
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
Per capita household income
Puntaje de la Ficha de Protección Social que aplica el Gobierno de Chile, y que mide vulnerabilidad considerando factores como: tenencia de vivienda, composición de la familia, previsión social y salud, entre otros.

Partenariats

Current
Nom	Relation
BBVA Microfinance Foundation	Network Affiliation
Kiva	Funding
Microfinanza Rating	Rating
RED PARA EL DESARROLLO DE LAS MICROFINANZAS DE CHILE	Network Affiliation

Organisations liées

Current
Nom	Relation
Smart Campaign	Endorsement

MFI Report

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Profil de Performance Sociale

Partenariats

Organisations liées

En Bref

Contacts

Mises à Jour des Données du MIX

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