Friendship Bridge | MFIs in Guatemala

Objectifs:

To provide microcredit and education to help women and their families create their own solutions to poverty

Contexte et principaux défis:

Credit bank in Guatemala and formerly in Vietnam. 4,519 borrowers in rural highlands. In Guatemala since 1998. Main challenges are financing, and cost effective and efficient delivery in a rural environment.

Adresse:

Avenida Santander 5-38 zona 2 Panajachel

Panajachel

Sololá

Guatemala

Téléphone:

(502) 7762 0222

Fax:

(502) 7762 2386

Email:

puentedeamistad [at] friendshipbridge [dot] org [dot] gt

Site web:

www.friendshipbridge.org.gt

Principales sources de financement:

Grants

Shareholder Capital

Produits et Services:

Loans

Services Offerts:

Health

Education

Other

à la recherche de :

Loans in Local Currency

Donations

Loans in US$

% des opérations représentant la MF:

61 - 70

Date de création:

Jan 1 1989

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
Clients très pauvres
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
Otorgamos prestamos agropecuarios y festivos para los microempresarios
+ 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
Santé de base/éducation à la nutrition
Autoestima y como ellas pueden apoyar a sus hijos en la escuela
+ Health services offered
Ofrecemos capacitaciones básicas durante reuniones de repago y ofrecemos cursos especiales en nuestros centros de aprendizaje
+ 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 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)
Para contratar al personal de campo se toma en cuenta que el candidato sea nativo del área geográfica y que sepan hablar la lengua local
+ Incitations du personnel liées à la performance sociale
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
Per capita household expenditure
Indice du logement
Means test
Food security index