Fundación Hondureña para el Desarrollo de la Microempresa

Objectifs:

Proporcionar Servicios Financieros, Asistencia Ténica de Capacitación a todas aquellas personas involucradas en una actividad productiva que no tienen acceso al sistema financiero formal, porque no cuentan con las garantias requeridas. Promover la acumulación de capital propio a través de ahorro ... En savoir plus

Contexte et principaux défis:

Posecionarse del mercado, lograr el fortalecimiento del patrimonio en mas de un 100% para los proximos 5 años, lograr una cartera que supere los 300 millones de lempiras para el proximo quinqueneo, mejor en la atención a los clientes y ser una organización lider en microfinanzas a nivel regional.

Adresse:

Colonia Florencia Sur, calle principal. Casa No. 3344. Calle Principal, 4 casas arriba Farmacia SENROS.

Comayagüela, M. D.C.

Honduras

Téléphone:

(504) 232-5470

Fax:

(504) 263-0086

Email:

info [at] fundahmicro [dot] hn

Site web:

www.fundahmicro.hn

Principales sources de financement:

Grants

Loans

Shareholder Capital

Produits et Services:

Loans

Services Offerts:

Health

à la recherche de :

Loans in Local Currency

Donations

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 2000

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
Clients living in urban areas	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Génération d'emploi	3
Egalité des sexes et autonomisation des femmes	4
Réduction de la pauvreté	5
Habitat	6
Développement d'entreprises "start-up"	7
+ Poverty targets
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
Microcredit for household needs/consumption
Prêts agricoles
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
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
Formation au leadership pour les femmes
+ 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
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
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
Consorzio Etimos	Funding
FAO-GTZ MicroBanking System	Vendor
MFSI	Vendor
Microfinanza Rating	Rating
Oikocredit	Funding
Red Katalysis	Network Affiliation
REDCAMIF	Network Affiliation
REDMICROH	Network Affiliation

MFI Report