Fundación Adelante | MFIs in Honduras

Objectifs:

The Adelante Foundation aims to increase the standard of living for the poorest of the poor women in rural Honduras by providing small loans for women to start and grow businesses.

Contexte et principaux défis:

Working in remote rural villages (population 300 - 5,000) with relatively low population densities means getting to our borrowers is a challenge. We are the only organization in Honduras working in very small rural villages. Adelante has also begun to work in peri-urban areas, though rural ... En savoir plus

Adresse:

PO Box 4473

Englewood

80155

Honduras

Téléphone:

011 504 440 1405

Fax:

011 504 440-1405

Email:

ellen [at] adelantefoundation [dot] org

Site web:

www.adelantefoundation.org

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Voluntary Savings

Training and Consulting

Services Offerts:

Business Development Services

Health

Education

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:

Jan 1 1999

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)
Clients living in rural areas	1
Femmes	1
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Egalité des sexes et autonomisation des femmes	2
Accès accru aux services financiers	3
Croissance des entreprises existantes	4
Développement d'entreprises "start-up"	5
+ Poverty targets
Clients très pauvres
Clients pauvres
Clients à faibles revenus
+ Gouvernance
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Prêts au logement
+ Savings products offered
Compulsory savings accounts (cash collateral)
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
+ 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:	Educación en temas de desarrollo de sus negocios y temas de salud y bienestar familiar.
+ 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.
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
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
Inclusion des communautés rurales/isolées
Inclusion des femmes
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
Fern Software	Vendor
Grameen Foundation	Network Affiliation
MFSI	Vendor
REDMICROH	Network Affiliation

Former
Nom	Relation
Kiva	Funding

MFI Report

Select i

Profil de Performance Sociale

Partenariats

En Bref

Contacts

Mises à Jour des Données du MIX

Partagez ce profil

Global Partners