HOPE Ukraine

Objectifs:

We exist to help our clients and their families to grow spiritually, personally and economically by providing family financial services to them.
We care about the new generation of our country by supporting the development of “Tomorrow Clubs”.

Contexte et principaux défis:

Founded by HOPE International.www.givehope.org in 1998. We operate in 20 cities and towns of Ukraine.

Adresse:

Boryspilska, 9

Kyiv

02099

Ukraine

Téléphone:

+38 044 369 57 68

Fax:

+38 044 369 57 68

Email:

barkovua [at] gmail [dot] com

Site web:

www.nadezhda.com.ua

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

à la recherche de :

Equity

Loans in Local Currency

Donations

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1998

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)
+ Development goals (ranked by importance)
Croissance des entreprises existantes	1
Réduction de la pauvreté	2
Accès accru aux services financiers	3
Habitat	4
+ Poverty targets
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management	Unknown
+ 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
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
Education financière de base
+ Health services offered
+ Women's empowerment services offered
+ 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.
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
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
+ Poverty measurement tools in use