Fundación Amanecer | MFIs in Colombia

Objectifs:

Contribuimos al incremento de la productividad económica y humana de la Orinoquia, facilitando procesos de formación integral y de fomento de la iniciativa empresarial.
El ejercicio de buenas prácticas y el desarrollo de capacidades institucionales, aseguran nuestra sostenibilidad.

Contexte et principaux défis:

Asegurar la sostenibilidad operativa, técnica y financiera Trascender más allá de los proyectos petroleros de los Fundadores

Adresse:

CALLE 24 No. 20 A - 27

Yopal

Casanare

Colombia

Téléphone:

(578) 635-4738

Fax:

(578) 632-0500

Email:

velosac [at] amanecer [dot] org [dot] co

Site web:

www.amanecer.org.co

Principales sources de financement:

Préstamos

Produits et Services:

Préstamos

Gestión de conocimiento

Services Offerts:

Servicios de desarrollo empresarial

à la recherche de :

Capital

Préstamos en moneda local

Date de création:

Oct 27 1994

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)
	1
Clients living in urban areas	2
Clients living in rural areas	3
Femmes	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Génération d'emploi	2
Croissance des entreprises existantes	3
Réduction de la pauvreté	4
Egalité des sexes et autonomisation des femmes	5
Habitat	6
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management	Unknown
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
Prêts d'éducation
Prêts au logement
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
Formación Empresarial (capacitación y asesoría)
+ 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
+ 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
Participatory wealth ranking (PWR)
Food security index
Indice de pauvreté spécifique à l'institution