Fundación para el Desarrollo de Honduras

Objectifs:

We are a microfinance institution with christian values, with an independent relationship with Visión Mundial Honduras, contributing towards the sustainable development of families, through services for poor people, with an entreprenuer capacity.

Somos una institución de ... En savoir plus

Contexte et principaux défis:

To be recognized at the national level as a specialized institute of microfiance that works efficiently, operational agility and christian values to generate an integral and sustainbable impact in the quality of life of the serviced families.

Ser reconocidos a nivel nacional como una ... En savoir plus

Adresse:

Col. Montecarlo Calle atrás de Pizza Hut Final del Blvd Morazan

Tegucigalpa

4956

Honduras

Téléphone:

(504) 2221-4080

Fax:

504) 2351-1010

Email:

gladys_fonseca [at] funedvf [dot] org

Site web:

www.funedvf.org

Produits et Services:

Loans

Voluntary Savings

à la recherche de :

Loans in Local Currency

Donations

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:

NBFI

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in rural areas	1
Femmes	1
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Scolarisation des enfants	2
Egalité des sexes et autonomisation des femmes	3
Accès accru aux services financiers	4
Habitat	5
+ Poverty targets
Clients pauvres
+ 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 agricoles
Prêts au logement
+ Savings products offered
Compulsory savings accounts (cash collateral)
+ 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
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Prestamos al sector vulnerable, prestamos para personas que vivan y convivan con VIH Sida
+ 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
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use
Indice de pauvreté spécifique à l'institution

Partenariats

Current
Nom	Relation
MFSI	Vendor
Microfinanza Rating	Rating
Red Katalysis	Network Affiliation
REDCAMIF	Network Affiliation
REDMICROH	Network Affiliation
Vision Fund	Network Affiliation

MFI Report