Gram-Utthan

Objectifs:

Enabling the poor and disadvantaged for qualitative changes in their lives through an empowerment process.
Socio-economic development of rural poor with a thrust on women and their empowerment

Contexte et principaux défis:

Challenges: Community development through sustainable entrepreneurship.

Adresse:

Pimudi- Kenderapara

Orissa

India

Téléphone:

+91 6729 276225

Fax:

+91 6729 276225

Email:

gramutthanngo [at] rediffmail [dot] com

Site web:

www.gramutthan.org

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Voluntary Savings

Insurance

Funds Transfer Services

Training and Consulting

à la recherche de :

Equity

Loans in Local Currency

Donations

Capacity Building Grants

% des opérations représentant la MF:

91 - 100

Date de création:

Avr 9 1990

Date de fin d'exercice:

31-Mar

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
Ultra poors	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Amélioration de la santé	2
Développement d'entreprises "start-up"	3
Croissance des entreprises existantes	4
Egalité des sexes et autonomisation des femmes	5
Génération d'emploi	6
Eau et normes sanitaires	7
Habitat	8
Forward and Backward Market Linkage to SHG Products.	9
+ Poverty targets
Clients très pauvres
Clients pauvres
+ Gouvernance
Has trained members of its board on social performance management
Dispose d'un comité officiel au sein du conseil qui surveille la performance sociale
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Prêts aux PME
Prêts agricoles
Prêts au logement
Housing and water and Sanitation.
+ Savings products offered
Compulsary Savings but not cash colleteral.
+ Compulsory insurance products required
Compulsory credit life insurance
Compulsory agricultural insurance
Asset Created out of the microfinance loans.
+ Voluntary insurance products offered
Voluntary credit life insurance
Voluntary life insurance
+ Other financial products and services offered
Remittances services
+ 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
Child and youth education
Formation à la sécurité et à la santé au travail
Reducing volunerability of the migrants both at the source and the destination.
+ Health services offered
Services médicaux de base
Managing a PHC with PPP model.
+ Women's empowerment services offered
Formation au leadership pour les femmes
Women's rights education/gender issues training
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	We develop a special product for the Ultra poors.
+ 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 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
Inclusion des communautés rurales/isolées
Inclusion des femmes
Qualité des données sociales collectées
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use
Participatory wealth ranking and informations collected at the time of joining to the SHG.