Fundación para el Desarrollo de Nueva Segovia)

Objectifs:

Ser una institucion especializada en Microfinanzas, con el objetivo fundamental de contribuir al desarrollo socio-economico de los micros y pequeños empresarios nicaraguenses, a traves de nuestros servicios financieros de forma agil, oportuna y eficiente, para lograr la sosteniblidad y mejorar ... En savoir plus

Contexte et principaux défis:

Brindar servicios financieros de alta calidad, con las mejores alternativas crediticias para el sector de la Microempresa Urbana y Rural, que cumple con estándares internacionales de calidad y que opera en el mercado nacional dentro del marco de una Institucion regulada.

Adresse:

Del Centro de salud 1/2 cuadra la norte

Ocotal

Nueva Segovia

Nicaragua

Téléphone:

(505) 2732-2060

Fax:

(505) 2732-3483

Email:

dejecf [at] ibw [dot] com [dot] ni

Principales sources de financement:

Loans

Produits et Services:

Loans

Training and Consulting

Produits:

Individual and Solidarity Loans

Services Offerts:

Other

à la recherche de :

Loans in Local Currency

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
Clients living in urban areas	3
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Génération d'emploi	2
Egalité des sexes et autonomisation des femmes	3
Croissance des entreprises existantes	4
Développement d'entreprises "start-up"	5
Improvement of adult education	6
Habitat	7
Accès accru aux services financiers	8
Opportunités pour les jeunes	9
Scolarisation des enfants	10
Amélioration de la santé	11
Eau et normes sanitaires	12
+ Poverty targets
Pas d'objectif précis en termes de pauvreté
+ 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
Microcredit for household needs/consumption
Prêts aux PME
Prêts agricoles
Prêts d'éducation
Prêts au logement
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
Emprende joven que consiste en financiar planes de negocios a egresados de universidades
+ Education services offered
Education financière de base
+ 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:	Creditos para empresas emergentes,
+ 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
Capacité d'attirer de nouveaux clients du marché cible
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution identifies enterprises with environmental risk

+ Poverty measurement tools in use
Indice de pauvreté spécifique à l'institution

Partenariats

Current
Nom	Relation
ASOMIF	Network Affiliation
MFSI	Vendor
Oikocredit	Funding
Oxfam Novib Fund	Funding
Planet Rating	Rating
Red Katalysis	Network Affiliation
REDCAMIF	Network Affiliation

MFI Report