Fundación León 2000 | MFIs in Nicaragua

Objectifs:

We further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise.

Contexte et principaux défis:

Posecionarse en el mercado de las microfinanzas como la mejor organización prestadora de servicios financieros

Adresse:

1/2 cuadra al norte del Parque Rubén Darío

Leon

León

339

Nicaragua

Téléphone:

(505) 2311-6680

Fax:

(505) 2311-6680

Email:

leon2000 [at] fundacionleon2000 [dot] org

Site web:

www.fundacionleon2000.org

Principales sources de financement:

Grants

Loans

Shareholder Capital

Produits et Services:

Loans

Services Offerts:

Business Development Services

Education

à la recherche de :

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1993

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)
Femmes	1
Clients living in rural areas	2
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Génération d'emploi	2
Réduction de la pauvreté	3
Habitat	4
Opportunités pour les jeunes	5
+ 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 aux PME
Prêts au logement
Préstamo para emprendedores
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Services de développement de l'activité
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
+ 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.
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
Transparency on salary (a clear salary scale based upon market salaries)
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
Grameen Progress out of Poverty Index (PPI)