IDER Cesar Vallejo

Objectifs:

Somos una institucion sólida, competitiva y confiable que brinda servicios sociales y economicos con prioridad a la poblacion rural y urbana excluida del Peru. El objetivo general del Area de Microfinanzas es: Contribuir a mejorar los ingresos prioritariamente de la población rural y urbana ... En savoir plus

Contexte et principaux défis:

- Ser una ONG líder en Microfinanzas a nivel de ONG en el Perú. - Impulsar el crédito rural. - Apoyar a la bancarizacion de las zonas y distritos mas pobres del norte del Perú. - Extender la atencion con 2 nuevas agencias en los prox 3 años. - Apoyar la p

Adresse:

Mza. LL, Lote 19, Urb. San Isidro

Trujillo

La Libertad

Peru

Téléphone:

044 20-6217

Email:

ider [at] idercv [dot] org

Site web:

www.idercv.org

Principales sources de financement:

Loans

Produits et Services:

Loans

Services Offerts:

Business Development Services

Health

Other

à la recherche de :

Loans in Local Currency

Loans in US$

% 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)
Femmes	1
Clients living in urban areas	2
Clients living in rural areas	3
Pescadores artesanales	4
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Génération d'emploi	2
Accès accru aux services financiers	3
Desarrollo de capacidades	4
Amélioration de la santé	5
Croissance des entreprises existantes	6
Egalité des sexes et autonomisation des femmes	7
Opportunités pour les jeunes	8
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ 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
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
Manualidades y artesanía.
+ Education services offered
Santé de base/éducation à la nutrition
Child and youth education
+ Health services offered
Servicios de prevención básica de salud, campañas de salud.
+ Women's empowerment services offered
Women's rights education/gender issues training
Crédito para mujeres emprendedoras.
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Crédito de S/. 300.00 hasta S/. 500.00, con tasa mínima y pago semanal.
+ 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)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
Desarrollo de competencias de los recursos humanos
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Qualité des données sociales collectées
Qualité du portefeuille
Cumplimiento de metas de colocaciones.
+ 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
Grameen Progress out of Poverty Index (PPI)

Partenariats

Current
Nom	Relation
COPEME	Network Affiliation
Oikocredit	Funding

MFI Report

Select i

Profil de Performance Sociale

Partenariats

En Bref

Contacts

Mises à Jour des Données du MIX

Partagez ce profil

Global Partners