Fundación de Ayuda Microempresarial

Objectifs:

"Promover el desarrollo de la Microempresa en el Ecuador, priviligiando a los sectores urbanos, urbano-marginales y rurales, de manera eficiente, competitiva y con calidad de atención; promoviendo las iniciativas de apoyo mutuo, bajo un enfoque de equidad, género y desarrollo local sustentable"

Contexte et principaux défis:

Somos una Fundación que fomenta el desarrollo de la microempresa y la organización de los pequeños productores del Ecuador, impulsando programas de servicios de educación, asistencia técnica y crédito, sustentados por la investigación y planificación en el marco de la economía popular y solidaria. En savoir plus

Adresse:

Av. 12 de octubre y Queseras del Medio 1842, Edf. Guimissa, 2º piso, ofc. 203

Quito

Pichincha

17 079638

Ecuador

Téléphone:

(593) 250-9949

Fax:

(593) 290-3834

Email:

fundamic [at] andinanet [dot] net

Site web:

www.fundamic.org

Principales sources de financement:

Grants

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Insurance

Services Offerts:

Business Development Services

à la recherche de :

Guarantees

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1995

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
Clients living in urban areas	2
Femmes	3
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Génération d'emploi	2
Improvement of adult education	3
Opportunités pour les jeunes	4
Croissance des entreprises existantes	5
Accès accru aux services financiers	6
Egalité des sexes et autonomisation des femmes	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 de microcrédit pour les micro-entreprises
+ 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
Services de conseils juridiques pour femmes victimes de violence
+ 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)
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
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
Consorzio Etimos	Funding
Oikocredit	Funding
PlaNet MicroFund	Funding
RFR	Network Affiliation

MFI Report