Fundación Mujer | MFIs in Costa Rica

Objectifs:

Contribuir al desarrollo integral de las clientas, para mejorar su calidad de vida y la de sus familias, a través de servicios financieros y no financieros.

Contexte et principaux défis:

Entre los principales desafios está el establecer dos nuevas sucursales en nuestro pais y fortalecer las zonas de atencion que actualmente se atienden.

Adresse:

Bº Betania, 200 mts Norte y 50 mts Este de la Escuela de Betania Mercedes de Montes de Oca

San José

Costa Rica

Téléphone:

(506) 2253-1661

Fax:

(506) 2253-1613

Email:

fmujer [at] racsa [dot] co [dot] cr

Site web:

www.fundacionmujer.org

Principales sources de financement:

Loans

Produits et Services:

Loans

Training and Consulting

Services Offerts:

Business Development Services

Health

Education

à la recherche de :

Equity

Capacity-Building Grants

Guarantees

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1988

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 urban areas	2
Clients living in rural areas	3
+ Development goals (ranked by importance)
Egalité des sexes et autonomisation des femmes	1
Réduction de la pauvreté	2
Accès accru aux services financiers	3
Génération d'emploi	4
Croissance des entreprises existantes	5
Développement d'entreprises "start-up"	6
Habitat	7
+ Poverty targets
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 agricoles
Prêts d'éducation
Prêts au logement
Compra equipo como computadoras para uso de la familia, examenes medicos
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Carte de crédit/débit
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
+ Health services offered
Services médicaux de base
El servicio medico que se ofrece es para el personal, pero en algunas ocasiones se hizo extensivo a personas de la comunidad
+ Women's empowerment services offered
Formation au leadership pour les femmes
Women's rights education/gender issues training
Services de conseils juridiques pour femmes victimes de violence
Herramientas GALS
+ 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.
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)
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
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use
Indice de pauvreté spécifique à l'institution